1. Annual Income: RM45K

2. Free Lifetime Annual Fee: Depending on cash back amount.

3. Card required for: Paying Petrol, Mobile Plan, etc for Cash Back.

4. Existing credit cards (if any): Nil.

5. Interested in CC from:

6. Others: Cashback or attractive rewards

What about HLB Wise and Mach?? For HLB Wise, my phone plan is already RM200 per month and petrol might also reach 300. Dining could exceed RM500 too. Mach can be use once the Wise card reaches RM2k, with RM100 CB fully utilize. Is this okay?

PBB Quantum looks like a decent card, but given max CB is capped at RM30, wouldnt that make HLB Wise a better card for me (After annual fee deduction, rebate would be around RM75/month.)? Sadly I have no utilities bill to pay because Im staying in a condo right now and the utilities are paid to the management office. I only need to pay for phone bills, petrols and likely dining/groceries (est RM1k+). These 3 categories allow me to max the rebate for Wise @ RM100 (with minimum spending of RM2k).

I plan to pay everything with one single card to maximize the CB. Once I reach max CB rebate of RM100 (with RM2k spent) for HLB Wise, I figured I could use Mach since there is no minimum spent to earn CB. I dont see myself spending more than RM2.5k each month hence other card options doesnt look appealing to me. Does this sounds like I am able to fully utilized both HLB Wise and Mach?

I believe after paying everything, I would be able to spend RM2k. Most likely I would use WISE to pay for dining since it is 10% compare to Mach 5%, but I love watching movies in the cinema during the weekend, and that combining with TGV Loyalty card and 10% CB looks like a steal.