Need some suggestion / insight from you guys.

Current income = 40K
Spending on cc / month = RM1000

Breakdown of credit card and usage

OCBC: insurance of RM450
MBB2C: odd purchases, average of RM100 / month
AEON Big gold: daily usage of RM300
Citibank: no use

With SST coming, need to trim down the credit cards. First to go is definitely Citibank. Now i'm in dilemma of cutting MBB2C or OCBC.

While MBB2C rebate is higher, due to my spending nature, very difficult to use it unless i have big purchases and it happen to accept AMEX during weekend, quite hard to justify keeping it when the SST is RM50.

On the other hand, OCBC's benefit is crap, but the 360 account is giving me saving rate of 1% higher than FD, and i have 10K cash inside that account.

Any suggestion for what card to keep / trash / apply / consolidate?

because ocbc 360 account give extra 1% interest if card spend more than 500/month.

1. Annual Income: 60K
2. Free Lifetime Annual Fee: Yes, or easy to reach like 1 swipe per month
3. Card required for: general use, with lounge access
4. Existing credit cards:
- M2C AMEX
- UOB World : plan to cancel in 2026, once the 3 years AF waiver period is up.
- Alliance VI : applied back in april. plan to cancel once i receive promo gift.
- Alliance VCC : earn point by reloading tng > convert point to tng. any better use beside one-off purchases?
5. Interested in CC from: aeon gold, for easy to reach AF waiver and lounge access.

looking for general daily use card with lounge access to replace nerfed alliance VI. spending that new card will cover

groceries : 500-1000
utilities : 300
insurance : 500
dining/others : 500