More or less the same, if local spending.
Overseas will be different on the conversion rate.
Not to mention sometimes MC cannot be used in certain places.

Got difference? I never notice.

No fixed spending pattern?

Sorry, should be the amount spent.

Most of the time they will charge 5% or rm50 from the purchase price.
That's for shops that selling cheaper.
Some are giving "0%" but the purchase price are higher.
Conclusion : no 100% answer for this, you need to survey.
Like last year I bought a Marantz AVR 5007 for rm2300 from Desa with 0% easy payment plan since I'm helping them to clear the junk.
Other places are selling for rm3*** that have to pay rm50 fees.

It is an useless feature and will bring chaos for those that having bad financial plannings.

Your income too low, so stick to your current card will be better.
If you can spend rm1000 sharp every month and pay on time with still have balance of rm1000 after all expenses, then only consider other cards.

If you think the credit card is use now, pay later, AKPK's door will be opened for you soon
The right way to use credit card is, if you are going to spend rm1000 next month, this month you shall have saved rm2000

Get HLB's STUPID card for your petrol, groceries and mobile. But must spend minimum rm985 to rm1000 to get maximum cash back. If you can't archive this, then other cards.

he boody card that having all sorts of T&C to prevent you from getting cash backs.
And with AF + GST, it is still 8% of cash back if you swipe rm985-1000 on the selected 2+1 categories
Last year for gold card, you still need to pay rm160 of AF and rm50 of service tax. Now is rm160+9.6.