Need some advice on how to utilize my cc. Do not know how to fully utilize it. Holding a OCBC world mastercard (1.2% cash back unlimited) and Maybank petronas platinum visa card (points). Both cl is almost the same where Maybank has higher cl.

Which is should I focus on using the most? I always confuse. Cashback or points would be better.

OCBC - http://www.ocbc.com.my/personal-banking/Ca...mastercard.html

Maybank - http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards