2025 first pay budget review

M,31, married with 1 kid. First pay in 2025. Getting RM9k Net.

|net salary|9000|100%|

|travel savings|1000|11.11%|

|emergency savings|1000|11.11%|

|rent|1600|17.78%|

|maid for baby|880|9.78%|

|car loan|700|7.78%|

|car maintenance + petrol|300|3.33%|

|gym membership|220|2.44%|

|shopping + phone bill|300|3.33%|

|baby supplies|200|2.22%|

|food|2500|27.78%|

|groceries|300|3.33%|

Please review my spending budget and advise how I can do better?
a) I currently save around 22% of my monthly pay, is that a good percentage?
b) How can I maximise the interest on my savings? Now I just park them in GX Bank pockets, which has a low return.
c) Should I be investing some of my savings into low risk investment? any recommendations?
d) Any cashback credit card that I should apply for? Currently I spend on debit card mostly.
e) For car petrol, is there any loyalty program/app out there that I should be aware of? Currently I just use debit card and probably missed out on a lot of potential benefits