Thanks. That's a great point; I never considered it because I live alone and spend next to nothing in supermarkets.

On the other hand, I have to travel a lot (both work and leisure), so I think the Maybank Horizon is a no brainer for me.

I think it's not just the hassle of an additional card. The added admin fees of converting miles from another card and spreading your miles may make the less used cards useless even if they have better rates for certain uses.