1. Annual Income: > RM100K

2. Free Lifetime Annual Fee: Not a must, depends on benefits.

3. Card required for: Best all in one (too greedy?) Cash back, airmiles (bonus if have). Mainly used for Dining, Insurance payments (autodebit), Petrol, TNB, Maxis, Time Broadband, Online Transactions, Groceries.

4. Existing credit cards (if any): Maybank 2 Platinum, Ambank Visa Signature.

Was looking at the RHB Shell Chard, I think may be able to hit the monthly speed ≥ RM2500.
I will free up from the AMEX/weekend restriction. And allows for rebate from utilities and insurance payments, i think ?

Thanks for taking the time to reply ! Seems like there's no one-card-fits-all card for me, haha.
Just did a compilation of my expenses. Insurance is the single largest monthly expense for me, around 15-20% depending on the month. But still not sure if it warrants to get a card just for it.

Just realised Dining is not part of the CB. Hmm, will have to analyse again with the new info.

Thank you !

Hmm, what function is it under ? Is it just under "Pay Bills" ?
It works for the CB ? I always thought its similar to JomPay and that is not eligible right ?
Anyways, mine is Hotlink Postpaid, not sure can pay to "Maxis" anot. Even if yes, my handphone bill is minimal in the grand scheme of things anyways.