My wallet always has more Cards than pieces of money available...

Credit card is definitely better, provided you pay all bills in time. First thing to do on first day of the month --> Pay CC bills (even though due date in the middle month). Make it a habit and you'll reap the ''bonus'' of having it. I've saved constantly more than rm 600 every year for using appropriate credit cards =)

5k for 2 years?

Why so desperate on that 5k? urgent use? does its loan and interest rate justify its value?

I've experience in borrowing personal loan, and that's almost 2 years ago, for purpose of house furnishing (that time don't want to touch reserve fund, house empty no furnitures...after most money gone for renovation.. )
Total = 20k; Tenure = 3 years; Rate (special promo rate)= around 4% pa

It really depends on what is the purpose of getting personal loan. Personally I wouldn't recommend it, unless ur situation justify its use.

Just remember the cap of rebate. Once it's max up, put aside and use another card