Hi guys ! please recommend

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Yes (also ok for minimum swipe)

3. Card required for: Cash Back, Miles or/and Points

4. Existing credit cards (if any): Standard Chartered Simply Cash (terminating soon), Maybank Manchester United, CIMB e Credit Card

5. Interested in CC from: Public Bank or Hong Leong Bank

6. Others:

I want to get the best out of either miles/points or cashback credit card from either PB OR HLB. Only want to get to these banks because of 0% EPP for big bike purchase + support Samsung Pay. Also bonus if bank do frequent offers e.g free or discount at F&B.

Extra information:
Im replacing Standard Chartered - Simply Cash CC and will terminate due to shitty apps and annual fee. I have used UOB/Citibank Cashback CC in the past but sadly had to terminate due to no Samsung pay support. On the side, I also use CIMB e Credit Card (to utilize points on 28th) and Maybank Manchester United for backup as its the most convenient in term of banking + apps.