I'm considering to apply a credit card for airasia big point collection. Currently found 2: Citibank Airasia Platinum visa vs Alliance Bank Visa Platinum. It appears that Alliance Visa has better redemption rate (3000 points to 1000 BIG points) over Citibank Visa (2000 points to 500 BIG points), and Alliance Visa has AF waiver for minimum annual spending of RM5000.

Need suggestion on which card to get and if there's any other cards that have better offer. Thank you!