Sifu, want to replace current c.card (point based) to cash rebate. Please advise 2 best options that could save up most $$ based on below criteria: Many thanks.

Monthly auto-billing:
- TNB: RM200
- MAXIS: RM250
- AIA Insurance: RM350
- ALLIANZ Insurance: RM250
- Prudential Insurance: RM210

Quarter auto-billing:
- AIA Insurance: RM300

Yearly auto-billing:
- AIA Insurance: RM1200

Monthly card usage:
- Petro: RM500
- Giant, tesco, or jaya: RM500
- Shopping & dinning: RM500
- General retail: RM500

1- Annual income: >RM200k
2- Free lifetime annual fee: Free/Waived
3- Card required for: local & oversea spending
4- Existing credit cards: CIMB platinum