I) HLB Wise Card
You can Enjoy 10% Cash Back Everyday with Your Spending from the 10 Categories as Below:
1. *Mobile
2. Pharmacies
3. Groceries
4. Petrol
5. Dining
6. Departmental
7. Book Stores
8. Utilities
9. Entertainment
10. Travel
* Bonus Category
But...
- RM10 Switching/Subscription fee if you want to change category
- 10% Cash-back only applicable to 2 Selected categories + Mobile (by default)
- Need Min. RM50 spending per transaction to Enjoy 10% Cash Rebate & the Cash Back Capped on $100 Every Month
https://forum.lowyat.net/topic/2760395
OR
II) HLB Mach Card- Annual Fee Waiver Subject to 12x Swipes a Year
You can Enjoy Cash Back Everyday with Your Spending from the 12 Categories as Below (Get 1 for Free...12 All's from Movies to Dining):
1. Movie -10% All Cinemas
2. Music & Events - 3% Ticket Pro , Air Asia RedTix...
3. Nightlife - 2% All Bars & Nightclubs
4. Dining - 5% All Dinning Outlets
5. Style - 2% Uniqlo, Cotton On, Forever 21, Zara, Topshop...
6. Groceries - 2% All Grocery Stores
7. Departmental - 2% Parkson, Tangs,Metrojaya, Isetan...
8. Health & Fitness - 3% Fitness Concept, Fitness First, Guardian, Watson....
9. Mobile - 3% Maxis, Digi & Celcom
10. Tech - 2% All IT Stores
11. Travel - 1% Air Asia
12. Online - 1% All Online Spend
But...
Need to pay RM5 Subscription Fee every 3 months to enjoy additional categories of Cash Back of the Card Or Cash Rebate of 0.2% will be Rewarded on all other purchases as above mentioned+  Also NO Rebate on Petrol...  
For Details: http://forum.lowyat.net/topic/2421215

Watami is good for the first RM1,666 a month where u get 3% Cash Back every quarter.  Also, u get Points to redeem  AEON Vouchers based on ratio of 250 points to RM1.00 Cash Voucher.  However, except for seected campaign, Petrol is not counted as Retain Spent.

Wise is good only if u can fulfill their T&C, which is min 10 swipes of RM50 each per month and u spend a lot in the Cash Back categories.

UOB good and easy with no complicated T&C. 

Petrol gets 5% - but there is a cap
Telco gets 2% - but there is a cap
Hypermarket - also gets 2% but with cap

So, it really depends on your Spending Pattern.

Don't forget Alliance Platinum.  For RM5K spent a month, your cash back is RM68 + RM20 in cash vouchers.

I tried switching from my UOB One Card to HL WISE Card, tot i can enjoy the 10% cash rebate on Mobile, Petrol and Dining.

Ended, some month i get the rebate some month i ended ZERO. The criteria for 10 x RM50 is difficult leh.

One of the month, i got 9 transactions......didn't realise i need to spend 1 more time to get the cash rebate.

HL Wise manager, if you see this message.....please remove this troublesome criteria. Or else, i will divorce you during my first year anniversary with you.

Life is already stressful, and this card give me more headache. I better stick back to my UOB One Card. At least i don't have to do tracking.

if you spend less than rm 500/month then it will be a lil hard

Let me try to answer my own question.
After reading Gen-X wonderful analysis on best cash back credit card, I think the best combination for me is the MBB2 Amex + Alliance Hybrid Premium Debit card.

I thought of OCBC Titanium, but if I can get 2% from Alliance debit card then why do I need to keep OCBC Titanium?
I thought of HLB Wise, but I don't think I can swipe RM500 on the selected categories. Heck... I don't even think I can swipe 10 times RM50 to qualify for rebate.

Appreciate feedback on my analysis.

Hi all, do any bank credit card provide 0% easy payment for all or any purschase? Thank you.