Lousy CC with a  Lousy Cash Back System but With MOST Dinning Privileges if Compare to Others...    
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

I cancelled my wise card this year after holding it for 1 year++. I agree with you that the cashback 10% is good with possibility to save up to rm1200 per year.

BUT, it's not so easy FOR ME to reach the full cashback every month due to a couple of reasons:-
- must have 10x rm50 swipe so always have to keep track of transaction count, split my grocery bills just to meet the 10x swipe. Go shopping almost one hour, then wait in line for anothert 15-20mins at Jusco, then have to split the bill. Sometimes see a lot of black face behind me when i split the bill 2-3 transaction.
- not all groceries got 10% cashback, if you see my transaction, if possible i try to stay away from jusco, giant and etc because really packed on weekend. So I like BIG grocer in publika and hero market in ttdi. No parking problem and got plastic bag on saturday with no extra charge. Go one utama on weekend is asking for suicide to me. lolol....
- Must also take note of your due date because the 10x must happen from the time payment cycle happen and not within calender month. So once payment for month made on due date, that is day 1 of the when they start counting the 10x swipe.
- not all bill payment can be done online pay from credit card - i cant quite remember if TM, syabas, astro and etc can be paid via online banking. With scb, i just go to one website, select all my biller and pay straight. Every month pay bill take me like 5 mins. Can download the estatement and file for safe keeping.
- i have to register to direct debit to credit card at maxis to enable payment via credit card.
So to me, the best card must be the one that is easiest to achieve based on your preference. So i reserve my comment to my preference and not for all ppl here.

Just sharing my feedback on the JustOne credit card and puzzling policies of StanChart Malaysia. I applied this credit card last year because I was attracted to the petrol cashback. Application was approved no problems with a limit of 6K which I found surprising given my Maybank cards which give me a limit of 40K. After a few months, got a letter saying the limit revised downwards to 4K which is less than the amount I was spending on the card. I heard SCB Malaysia was cutting back because the bank isn't doing well, so I didn't bother to make noise - so just spend on the other cards loh. Then last month,  got someone call from SCB asking me to spend more to qualify for some promotion they are running. So I told him how to spend more when you reduce my credit limit. I told him my monthly take home salary is a few times the credit limit. Even more perplexing is that my salary is banked in SCB each month. So I told him to increase the limit first, then I have no issue spending more on the card. Now just a few minutes ago, I received an SMS from SCB saying they reject the increase in credit limit. Sorry long story, just had to vent.