hi, can you elaborate more on the 'Emergency payments for the car and house stuffs'?

Hi, you did not mention much about your spending pattern. Looking at you want cash back and reward points, there is no other better card than Maybank 2 cards (amex + visa/mastercard). You get 5% rebate for weekend spending (capped att RM50 per month), and 5x points everyday using amex. Free for life.

Yup, monthly RM50 only. That is why most of us here usually have OCBC ti which gives another up to RM50. However, you mention that your spending usually less than 1k, thus getting just one card is sufficient for the moment. Take note that amex is not as widely accepted as mastercard/visa. OCBC ti gives 5% for all utility, groceries, dining and petrols. 1% for others. Your call.

add: you may wanna have a look at UOB one card and Hong Leong Mach for comparison too.

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Added on July 29, 2012, 3:31 pmIf you mostly spend on weekends, Maybank 2 cards Amex would do you good whereby you can get cashback up to RM50 monthly. The only setback is, the acceptance is not as wide as mastercard/visa. You get 5x points everyday too.

Another option is the OCBC Ti which offers up to 5% cashback for all dining, petrol, utility and groceries. 1% for others. No reward points though.

Maybank offers more promo and discount compared to OCBC, but still cant compete Citibank or standard chartered here.

This post has been edited by Human Nature: Jul 29 2012, 05:50 PM

Maybank 2 card + OCBC ti would be a good start. You may read up on several prior posts for the benefit of both cards.

As for the electronic gadgets, you may look at Mach by Hong Leong which offers:
- 2% Cashback on Tech stuff including: Machines, IT Hypermarket, Epicenter and so much more (MCC 5045 and 5732) - capped at RM100(? unsure)
http://forum.lowyat.net/topic/242121

ps/ not to be busybody, but your estimated expenditure is that high?

This post has been edited by Human Nature: Jul 30 2012, 09:18 PM

Why dont you post according to the format first, so that we can give a better recommendation.

I would recommend you to have a look at Mach by Hong Leong for its Savvy package:
- 2% Cashback on Health & Fitness: Celebrity Fitness, Fitness Concept, True Fitness, Fitness First, GNC's, Watson's and Guardian
- 3% Cashback on Mobile: DIGI, Celcom & Maxis
- 2% Cashback on Groceries: Giant, Tesco, Cold Storage, and many more (MCC 5411)

Not sure how high is your gym membership bill to benefit from the 2% cashback.

If your gym accepts amex and you can meet the requirement, i would definitely recommend maybank 2 cards for its 5% cashback, cap RM50 (weekends) + 5x points (everyday). Read up more on this card.

As for the CIMB touch and go, annual fee is waived, no swipe condition but i dont see any reason why you want this card.

This post has been edited by Human Nature: Jul 31 2012, 03:14 PM

if its not listed as the accepted gym, then no point dy this Mach card.

While it is convenient to have card tied up with saving account, you can also make IBG to pay other cards from your CIMB account at a minimal fee.

I think lets wait for Gen-X to come and give his recommendation

Have a look at Maybank 2 cards whereby its amex gives 5% rebate (cap RM50) on weekends and 5x points everyday. No annual fee.

This post has been edited by Human Nature: Aug 3 2012, 10:57 PM

OCBC ti gives you 5% rebate for grocery, dining, petrol and utilities, 1% rebate for others (cap RM50), but no points. Annual fee is waived for 12x swipes. It is a mastercard so its acceptance is wider than maybank 2 amex

may i know what do you need the uob one card for?
maybe cancel it, replace with mbb2 + ocbc ti combo. haha crazy idea

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Added on August 4, 2012, 12:17 amand petrol too

This post has been edited by Human Nature: Aug 4 2012, 12:17 AM

uob one gives 0.3% for insurance, so it gives u RM12.60 rebate in one year, 1% OCBC ti gives RM42. Not so significant if you wanna compare insurance only

hehe, no idea what is that. anyways, we have presented 2 choices to you OCBC ti or maybank 2 card. maybe you can list compare and see which one benefits you most, based on your spending pattern

i would suggest take the ocbc ti first as it suits your spending pattern. only consider to add another card when your expenses increase.

True, since this is the first CC but gotta keep trying. OCBC ti is worth it. IF kena rejected several time, then no choice.

Yes, the MBB2 card is something like a package. You get 2 cards, Amex + Visa or Amex + Mastercard. Only need to pay RM50 GST once (annually) for this package. Find out more from the Maybank 2 cards thread.

This post has been edited by Human Nature: Oct 9 2012, 01:33 PM

can find more comments here: http://forum.lowyat.net/topic/1833032

Get the following combo:
- Maybank 2 cards AMEX gives you 5% cashback for weekend (cap RM50 monthly) + 5x points everday. Annual fee waiver. The visa/mastercard gives one of the best foreign transaction rate. If your wife qualifies, get her to sign up as another principal instead.
- OCBC Ti mastercard gives 5% cashback everyday (cap RM50) for dining, groceries, utilities and petrols. 1% for others. Annual fee waiver with 12x swipe.

If you dont get specific benefit from the HSBC classic, can consider to terminate it already.

This post has been edited by Human Nature: Oct 14 2012, 12:56 AM

it means the ceiling, maximum amount of cashback.
you cant, it comes in a 2 cards package but you only need to pay GST once. most of us here usually just keep the visa or mastercard in the drawer

The idea is to keep your cards secure and never let anyone use it.

Dont let the name and perceived status of the card distract you. What is more important is, how are you going to benefit from the card, any card? Go through the list of benefits and so on and decide yourself whether you willing to have the card in your stable or not.

I recommend the maybank 2 cards.
5% cashback (max Rm50 per month) for weekend transactions for AMEX.
5x points everyday for AMEX
Note, AMEX is not accepted as most petronas stations.
The visa/mastercard gives competitive overseas exchange rate.

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Added on October 22, 2012, 11:50 pmhttp://forum.lowyat.net/topic/2434771
sse first page for more info

This post has been edited by Human Nature: Oct 22 2012, 11:50 PM