Shopee Coins normally expire in 3 months. If 5000 coins/month, you need to spend RM200 (monthly average) at Shopee. At this moment Free Shipping Vouchers are very limited if you don't use ShopeePay e-wallet. A lot of offers are also limited to ShopeePay. So I still prefer using other CC to top up ShopeePay.

For dining, Contactless and Entertainment, PB VS, PB QV, HLB Wise, RHB VS and some ewallets may give better rebate % at this moment.

For other transactions, if 1% return, good for insurance but limited to RM5000 per month, alternative to OCBC Titanium or HLB Essential.