1. Annual Income: RM80K

2. Free Lifetime Annual Fee: Preferred

3. Card required for:
Petrol => RM1600 - RM3000
Dining = RM1500
Toll (from tng) = RM500
Grabfood = RM300
Utilities = RM400
Shopping (Foreign currencies) = RM1000
Other local spending <= RM8000


4. Existing credit cards (if any): Ambank Enrich Platinum - (Rejected) Ambank Visa Signature

5. Interested in CC from: CIMB visa Infinite & RHB shell card or any bank etc

6. Others: Prefer if got Apple Pay for dining.

I think based on my spending habit better I apply for 2 separate cards. Maybe a cashback for the petrol/utilies/ewallets and then another points card for the rest of my spending.

I heard rhb shell card nerfed but still looks decent for me. My current enrich platinum completed butchered to the ground. SIFU here can recommend anything better ?