Aeon gold - 5% capped rm25. no min spend.
CIMB petronas infinite - 5% dining n grocery capped rm50. require statment balance min 4k. dinig included Pub MCC 5813

DSR too high........... you can just calculate it. monthly payment (home n car loan, PTPTN, PL), add total credit card monthly payment divide with your income.

i got more than 100%, meaning all my income not sufficient to pay my monthly bill. actually is the 0% BT, i took the money and put somewhere.
with high DSR meaning you already in deepshit, then how can a bank approve your loan to pay loan.

this will help some, just pay all your credit card before end of the month, so it will show all CC with 0 outstanding balance at criss report.

for muamalatCC, as read the comments is FB, you can only own 1 cc. who have own more than 1 muamalat cc here?

then need to choose wisely, 5% wave CB or 8% POS CB.
but for 5% wave still have no info yet it is applicable for rm250 n below transaction.

shall learn from experince, skip the online and get agent to do it.
also hope to see some respond on the 5% wave CB condition from approved user.