Hello sifus, I currently have Maybank Ikhwan Plat Amex Credit, Maybank Cashback Gold Amex Credit, and Maybank FC Barca Plat Visa Credit.

My monthly spending is around RM 4.5K, my 6-month median cashback:
1. From the Ikhwan Plat Amex - RM 50 a month
2. From the Cashback Gold Amex - RM 29 a month
3. From the FCBarca Plat Visa - RM 11 a month

Do I start optimising for airmiles at this spend level - assuming I fly overseas 1-2 times a year; one of those to Africa (usually Johannesburg, SA) via Emirates, the other a random holiday with no set airline (I'd stick to one airline if my CC gives miles for it) - or just stick to cashback? Therefore, should I continue keeping these 3, or are there other options that would be better? (Eg. Consolidating / switching to a different card)

This post has been edited by KaiHD: Jun 14 2025, 05:49 AM