We can't have both conventional and Ikhwan cards, right?

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Crazy high credit limit means how much?

I hardly see such generous CL given by MBB. You must be having super high income.
Every time I ask for CL increase, they gave me 5-10k increase, I don't know how long to reach 120k.
Even when I got my M2Premier, I have to submit income documents to get CL increase but I didn't. I will apply for increase in Oct after collecting three payslips with latest salary.
Conversion definitely but you will lose your conventional cards. Try splitting CL first before converting.

not everyone is the same.

sometimes, higher CL helps in emergency situation or ad-hoc need to spend large amount.

a decent, comfortable high CL is good as backup (assuming your finance health is good too)/
absurbly-high CL is a very very niche requirement to some. 

banks giving their credit services is a balancing act. they want your business but dont want risky ones. if they want your business, they only willing to accept certain risk (hence the Credit Limit). that's the max exposure they willing to take against the individual based on records.

if you "behave" they trap you with more CL. banks are betting on your human nature i.e. to spend 
high or even low CL, one must not forget to service the repayment promptly. that's the general rule to have good records.

same like IRL, if i borrow money from you and drag the repayment for monthsssssssss, sure you will "mark" me as bad borrower   just that i cant impose interest onto you 

Income is basic requirement to determine the credit limit. But I believe banks look into spending and repayment behaviour. If someone spend a lot and/or owe a lot, some banks will increase and give very high and generous credit limit to encourage spending more.

In my own experience, HLB increases limit very fast and high. MBB gives reasonable high credit limit in the beginning, but they will monitor spending, they won’t increase credit limit easily. But they will give a temporary 1-3 months increase in credit limit if you have a valid reason.