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Pumping Petrol with your Credit Cards, What cards reward you?
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koh_424
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Mar 10 2012, 01:56 PM
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QUOTE(cempedaklife @ Mar 10 2012, 11:59 AM) yeap..sorry...double checked my shell receipt..only 4 last digit is printed.. but for petronas printing name on receipt, i'm sure... MBB worry u forgot ur own name. But i feel happy with Citi Shell Gold Card.
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koh_424
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Mar 10 2012, 05:00 PM
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QUOTE(aeronic @ Mar 10 2012, 03:58 PM) do you maintain outstanding balances? if no, shell gold card is a stupid card if yes, then maybe a good card Outstanding balance? Normally i clear all the debt every month. Any problem with tat?
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koh_424
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Mar 10 2012, 05:31 PM
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QUOTE(aeronic @ Mar 10 2012, 05:25 PM) yes problem for you  in that case shell gold cashback card may not be giving the maximum cashback (in fact super super low cashback) - even if you use ONLY shell why not look at the other cards from other banks and get the citibank platinum cashback? this is something even i myself just found out. I just used tis card bout 8mths only. Mayb wait til it expire then ask for upgrade?
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koh_424
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Mar 10 2012, 05:36 PM
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QUOTE(aeronic @ Mar 10 2012, 05:33 PM) of course the choice is yours i am just helping to advise cause i had this card since 2009 that time this was the best cashback for shell but now some cards give you up to 10-15% this one gives you about 2% unless you have outstanding balances then it gives you 8% this makes this card one of the most stupidest cashback card in malaysia 2%? But i got 5% wo. Average monthly petrol spend also RM500+-. They rebate bout RM25+- also. Mayb u try to check with Citi?
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koh_424
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Mar 10 2012, 06:16 PM
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QUOTE(aeronic @ Mar 10 2012, 05:51 PM) impossible your 25 could be from your non shell expenses or last month's or are you sure you don't have overdue even a little bit? since i so kind, here's some stuff for you:   you know in simple england what that means ah? that means you isi minyak RM 500 and then eat dinner atleast RM300 then only they kesian give you 4% for your minyak only i.e. for the RM 500 and not the full RM800. that works out to be around RM 20. but you are losing out on the RM300 you spent. but if you don't spend that rm300, you only get rm10. as per aeronic's calculation, your effective rebates are only 2.5% But i really got RM20+- rebate every month wo.
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koh_424
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Mar 10 2012, 06:31 PM
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QUOTE(cempedaklife @ Mar 10 2012, 06:29 PM) maybe u got other expenses >1k swipe using that card? Nope. Mainly is fuel only & 1 installment cost RM 150 only. Dunno how they calculate also.
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koh_424
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Mar 10 2012, 06:44 PM
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QUOTE(cempedaklife @ Mar 10 2012, 06:35 PM) just realized we were talking to each other in another thread anyway, i'm not sure about any other cards, but i think u should get ocbc titanium. for 5%, with rm50 per month cap on: dining petrolbills/utilities groceries Yup. OCBC is kinda good in cash rebate.
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koh_424
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Mar 11 2012, 01:06 AM
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QUOTE(aeronic @ Mar 10 2012, 09:53 PM) just like we thought. yeah you don't know how they calculate, but me and some of the forumers do. the fact that you do not know how citibank comes up with the figure also tells me a lot about you  you are quite easy going with the banks one right? people well versed with cards such as gen-x can count up to ¢level one For u mayb is abit disappointed. But currently for me still ok la. I just use the card to buy petrol only.
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