what i know is:
the must have :

1)WIse card - good for many things, grocery, utilities, petrol etc,  you apply for spouse also, monthly can get RM100 x 2.
2) Watami - 3% CB, minimal spend RM3000 per quarter, max CB RM150 per Q.
Others:

1)UOB CB - 1- 5%, got cap got quota, me not planning to use yet, kind of complicated, ?CB not guaranteed.
2)MBB Ikhwan - 5% CB petrol grocery, RM 50 pm, good but only for Fri And Sat, not for me.
Another must have:

1)PBB VS - 6% CB max RM60 pm.  superb can pay bills online, get 6%.
2)MBB VS - 5% CB grocery and petrol max RM88 pm, and free lounge at airport.
Want more 0%BT, get this:
1)MBF Card
2)Citibank card
They regularly offer me 0% BT .

Extra:
AIA insurance- use PBB AIA card - 2%CB, max RM500 pa.
sorry my mistake. edited above

Suggest to cancel all MBB cards if you think their CS are very bad.
If were to say MBB are bad, PBB and HLB are worst in banking industry.