Just my opinion. Some people really like the OCBC Platinum Mastercard, my wife included  .

Whilst the 0.5% rebate isn't the most fantastic, the Auto IPP 0% interest split is super helpful with big purchases.

e.g.
Car suspension damaged by Pot Holes  + Worn Tyre RM 1,850. Paid with Plat Card and we only paid RM308.33 for 6 month

It also helped pay for my Wedding Dinner    as I split the total RM30,000 over 1 year! Essentially it costed me RM2,500 over 12 months (because of 50% deposit).  In terms of helping cash-flow, i don't think there is any other card that can do the same.

Having said that, you have to be very careful with a card like this because if you're the kind that only looks at minimum repayment ........