Petrol and groceries: Maybank Ikhwan MasterCard. 5% on Fridays and Saturdays.
Or
Petrol: Maybank Ikhwan Visa Petronas. 8% on Saturdays and Sundays for Petronas only.

TnG: Where do you intend to reload? I'm not sure if Penang has a lot of places to reload with CC. You gotta check from this thread: https://forum.lowyat.net/index.php?showtopic=3757650

Bills: Which bills? If phone bills, may consider UOB YOLO.

Online shopping: UOB YOLO, CIMB Cash Rebate

Dining: HLB MACH

Or an all rounder card - SCB Cash Back Gold. Spend RM 1.5k and get RM 50 cash back. However, petrol is not part of the cash back category.

Good luck in choosing.

Dan Lain2 General CC...

I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

III) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

IV) OCBC 365 Mastercard: 1% CB on 1st RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending, & also Good for PTPTN.  
http://www.alliancebank.com.my/younique

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30