My thoughts exactly.
I do not think there is a "better" card, just which card suits your lifestyle the best.
For me, Watami for insurance premiums, Wise for petrol, dining and mobile, and MBB2 AMEX for everything else including groceries, which I only do on weekends.

If you autodebit your insurance premiums, you might want to consider Watami card.
3% cashback, on condition that you swipe at least RM3k every quarter.

What about your medical or life insurances?

You should indeed, everyone should have their own medical cards.
Medical costs these days are just too damned ridiculous.
My company also covers my medical insurance, but the thing is, chances are you won't be working for the same company forever, and even if you do, when you retire at age 60, you'll have zero insurance coverage then, and it will be unthinkably expensive to start buying insurance when you're 60.
Maybe I'm paranoid, but I'd just rather err on the side of caution.

What?!
You can swipe your credit card to access public toilets???
How much do they actually charge to use the public toilet?

True, but sometimes it's not really up to the employee, haha.
Some companies have no choice but to downsize their workforce due to financial difficulties.