if refer to their website, there is no such promo (1st year annual fee waived)

correct!

now,

if the place u went support amex, and u do ur shopping/groceries/petrol on weekend, then go for m2.
else, ocbc ti.

easy ~

if the place u eat support amex, u should apply maybankard2 amex, get 5x points, about 2.5% cashback (later when u redeem shopping voucher).

if not, then better ocbc, can get 1% (compare to maybankard 2 master/visa which only give 1 point)

but since u already have uob one card, i'm assuming ur petrol is with that card.

so for normal spending, get alliance debit plat mastercard. at least no gst

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Added on October 25, 2011, 5:24 pmrefer here (lazy to copy paste again. haha)

This post has been edited by erry-: Oct 25 2011, 05:24 PM

here the list, based on conversion rate ~

1. rhb travel money, min rm24k p.a, free 1st year then rm70.

rm1.75 = 1 enrich miles (for airline tickets, travel packages and duty-free purchases, where rm1 = 2 point)
rm3.5 = 1 enrich miles (for normal spending, where rm1 = 1 point)

the conversion rate is 1750 points = 500 enrich

2. american express. rm2.8 = 1 enrich miles

the conversion rate is 5600 mr = 1000 enrich miles, and amex swipe rm1 = 2 mr.

-----> 2a. gold credit card, min rm60k p.a, free for life.
-----> 2b. gold card, min rm48k p.a, free 3 years then rm238.
-----> 2c. plat credit card, min rm60k p.a, free 1st year then rm800.

3. cimb enrich master. rm6 = 1.5 enrich miles, oversea rm4 = 1.5 enrich miles.

-----> 4a. plat, min 100k p.a, free 1st year then rm388 (waived if spend rm100k/year @ 50% if rm50k/year).
-----> 4b. gold, min 60k p.a, free 1st year then rm168 (waived if spend rm50k/year).

4. citibank premiermiles visa. min rm60k p.a, free 1st year then rm600. rm3 = 0.73 enrich miles.

the conversion rate is 1 premiermiles = 0.73 enrich, and this card is rm3 = 1 premiermiles

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Added on October 26, 2011, 5:15 pmbtw alliance conversion rate is normal (same with other bank), rm6 = 1 enrich miles (6000 = 1000).
while hlb rate is 7000 = 1000.

This post has been edited by erry-: Oct 26 2011, 05:15 PM

welcome.

oh yeah no wonder i feel like missed something, its maybankard 2 amex! haha

btw, conversion rate for mbk2 is 7000 tp = 1000 enrich.
to get 7000 tp, must swipe rm1400, so the ratio is rm1.40 = 1 enrich

my list is based on 100k p.a income as PJusa stated, both mbb card need rm240k p.a and scb for priority banking cust only

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Added on October 26, 2011, 10:51 pmyes u can use mbk2 amex at petrol station on weekend and get the 5% cashback too

This post has been edited by erry-: Oct 26 2011, 10:51 PM

hehe ok. he should stated rm240k and above, easier

go for mbk2 amex.

u just need no spend rm1400 to get 1000 enrich

yes mbk2 visa or mastercard can just leave in drawer @ home.

i also use alliance plat for place not supporting amex for cashback

maybank will give u, probably master. but mbk2 need rm30k/year. good luck

bsn many2 branches?

no offence, but then, bsn cashback only 0.5% while maybankard 2 is 5% and uob also 5% (for petrol)

maybank visa petronas is 5x tp @ petronas.

but better go for uob one card, 5%