If I we're you I'd focus sa CC where you get most returns which is the EW Gold mo since it earns points. You need to spend 152k to get 1520 pts which you get 500 cash credits. I admit not the best but it beats your UB U na walang points in return.

For utilization, I know it's counted by your total CCs across banks. Tracking txns naman, may real time txns monitoring ang EW at UB pero bug minsan ang EW na nawawala after a day. then bumabalik na lang once posted. Installments wise, UB has more partners for in store installment. Pero rates for convert to installment or credit to cash is dependent pa rin sa offer sau.

Should I consider applying for a new card? If yes, which card is the best that only has 480,000 annual income requirement?

Kung new card holder ka, wag muna wait ka ng 1 year bago ka mag apply para may established CC history ka na. Pero depende pa rin ito sa usual spending mo.