I am using the combination of Maybank Visa, Master and Amex. I use Amex whenever possible especially for petrol since it is 2x TreatPoints. Any place that does'nt accept Amex then I use either Visa or Master. A spending of RM4000 through Amex gives me 8000 points which I can change for RM50 Parkson voucher, and spending of RM8350 gives me 16700 points to redeem RM100 Jusco voucher.

I also have Public Bank Visa for backup when Maybankards are rejected for unknown reasons since I have never failed to settle in full, but RM4000 only rebate me RM12. So far when the Annual Membership is charged to my Maybankards, I just need to give them a call and they will waive it, no questions asked.

Previously I had Citibank also, but the service become lousy and arrogant, I asked for waiver, not given or given with all sorts of conditions, so I terminated.

You can reload TNG using CC Visa or Master at the Damansara, Subang and other big PLUS centres. Note that not reloading at the toll lanes though. I refuse to apply Zing for my Maybankard because of the RM2 service charge, instead I prefer to stop by the PLUS centre beside the Damansara interchange and do a manual reload using CC. May be inconvenient for those not using the highways frequently.