Well, if you do have overseas transactions then I would suggest you keep MBB Petronas since it is free and has the lowest rate for overseas transaction. I regret cancelling my MBB Petronas as now Alliance Visa overseas rate is high.

As the the other cards, cancel all and get OCBD Titanium 

Cancel UOB One Plat as OCBC Titanium better as gives 5% at all petrol station, groceries store and for dining.

Cancel HSBC Premier if you have it because you deposited FD with them. There are better rates from other banks for up to one year tenure (for comparison, RM200K you can get RM1500 extra interest a year). However before you cancel HSBC Premier, go apply for CIMB WMC using your HSBC CC. If you did read previous posts, with HSBC CL of RM30K, you can qualify for CIMC WMC.

With CIMB WMC cancel your CIMB Petronas as CIMB WMC got better offer. With OCBC Titanium you get 5% rebate for all petrol stations so no need CIMB Petronas.

Citibank Signature - well this is SG card? Guess you would want to keep it.

Actually since you are overseas, the OCBC Titanium is the best for you since the rebates are based on MCC codes (which are assigned by Visa and Mastercard). I can attest to getting rebates for dining, petrol and groceries overseas

Just have to do proper spending planning to not charge more than RM1k to the card from January onwards (@ RM50 rebate, card pays itself by the first month) which is usually quite simple due to the foreign currency rates.

Currently I am tracking my spending to make sure i don't spend more than RM2k on 5% rebate categories and likewise on the 1% rebate general items every month. Total Rebate after 2nd month of usage -> RM235++

Are you sure OCBC 5% rebate is not entitled for overseas spending?

Think you did not read my post correctly. OCBC is not attached to merchants. I was getting 5% rebates for overseas groceries, petrol and dining. So yeah I've tried it 

Your gain or loss whether you believe me or not.

But sometimes you do know these bank employees do not understand their card product very well right ? HSBC Group released a statement a year or two ago that USA is the first country where it offers a World MasterCard follow by Japan and Australia. They do plan to roll this card out in all other countries but thus far there is no news on this. Australia was the last addition to their list of country that offers World MasterCard from the HSBC Group, if my memory serves me correctly.

And yes, HSBC Holdings has indeed signed up to offer World MasterCard from MasterCard Worldwide but Malaysia is not yet in the list it is offering this type of card.

For the very first year, you don't need to fulfill the requirement of item (1) or (2) as long as you are able to show proof of an annual income of RM72,000. However for second year onwards, you must fulfill the requirement of either (1) or (2), or else a heavy penalty will be charged.

At 0.5% only, there are better cards to consider like HSBC Amanah Plat  (0.5% normal transaction, 1% overseas transactions).

thanks for the additional point info, i'm not aware about this....
by the way, about the DA World...what is your main reason for holding it?

Wondering, whats the best card to hold on to if most of my transaction are international transaction?

SCB VI 

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Added on November 16, 2010, 8:52 am
Add in the unlimited lounge visits 

Since you are already an existing HSBC Premier holder, just go ahead and place RM250K with SCB to upgrade to  Priority Banking 

Erh........ move it around from month to month? 

With Alliance Bank Visa rate now comparable to other cards, I reapply for MBB Petronas Plat Visa last week and today called up CS and was told application has been approved.

So anyone here knows if get 2X for overseas spending with MBB Petronas Card?
SCB VI also issued to people having loan with SCB.

As for SCB 1 year FD, there's no promotion rate and rate lowest (unless opt for the weird 5 years FD tenure where interest rate is changeable). For 1 year FD better go deposit with another bank and get extra RM2500 cash and free gift too. 

Unless one goes overseas often, what other better benefits does SCB VI offer over other Plat cards?
OCBC Titanum offers 1% cashback for general transactions, so how is above 1% of importance?
got the email too, but since it only up to Dec 2010, lazy to go and change auto debit to OCBC.
just got my OCBC Titanium statement today too. Unlike AMEX Gold CC where it list down the merchants where we get extra 3X points, OCBC doesn't breakdown the cash back. Got charged interest of RM221.09 and noted there was a reversal for the same amount. Next month got to fast fast do BT to DA and enjoy another 6 months 0% interest. Got max cashback of RM120  Last month miss the max cash back by RM20.

Thanks for info above.

I was in Singapore on 6 Oct where I posted earlier Alliance Visa 2.44297, OCBC 2.41113 and DAWMC 2.41121. Based on this, I would be paying RM30 more for every SG1K using Alliance.

Based on your info above, MBB 2.42 and OCBC 2.45, MBB is cheaper by RM30 for every SG1K compared to OCBC or convert to Ringgit, savings of 1.23%. Considering my transactions where OCBC and DA rate almost same, MBB rate still beats my DAWMC even taking into consideration of the extra 1 reward points for overseas spending which gives equivalent to 0.5% "cash back".

Therefore if compared Alliance to MBB based on above data, the difference may go up to RM60 for every SG1K.

Anyone have comparison of rate for EON Bank with others? May consider EON Signature where it gives extra 1% for overseas spending in addition to 2X reward points.

I am interested to know the exchange rate for Standard Chartered Priority Banking VISA Infinite. If the exchange rate is more or less the same as OCBC's or DA's, then it is very worth to use it overseas due to the 5x Choice Points 

Citibank never persuaded me to retain their card. I cancelled three Citi cards already.
Giant, Gold, Shell Gold.