Wah, got an algebra problem to solve, hahaha. Look like my examples in Earn Pocket Money with CC did not cater for your case.

Petrol get UOB One Card. If go Guardian, Watson, Caring and GSC also charge to this card. Go check out UOB SMART$ Cash merchants to see if you patronize any and earn extra in addition to the cash back.
Food plus Telco just slightly above RM1K, if can squeeze below RM1K, then OCBC Titanium good for just these 2 items.

Gym, haha, just like what I mentioned in my article on 5Bs.

So we have remaining Gym and Insurance RM300 and Balance RM1260. Insurance if GE look into OCBC GE card.

Option 1 - HLB Essential you get 1% cash back, so for RM1560 you only get back RM15/month
Option 2 - Alliance Platinum Debit Card or Premier Debit Card where you get 1.5% and 2% cash back respectively.
Option 3 - the 42% Balance see if any card get gives you discount at places you transact. E.g. you only buy clothes at FOS, CIMB gives you 10% where RM200 you get RM20 better than 1% cash back from HLB, Or you shop at MidValley, Isetan, Parkson then get HSBC Visa Signature where you can get 5X Points (but then again many shops at MidValley and 1U accept AMEX too).

Seriously, if the places you patronize accept AMEX, even on weekdays you get 5X TP equivalent to 2.5% return which is better than any other credit card. On weekends you can get 5% cash back which may come in handy. Go check out Places That Accept Amex Thread. There are many places that accept AMEX including clubs. MBB 2 Amex 2.5% even better than Citi CB and UOB 1 Card at Pharmacies. DiGi, CElcom and Maxis accept AMEX ( so that you have more for your OCBC TMC).

This post has been edited by Gen-X: Oct 11 2011, 10:43 PM

Did Maybank2kard capped it at rm50 per month?

Which one of below didn't capped?
Uob 1
Ochs ti
Maybank2kard

all have max cashback per month.
uob max cashback is based on categories, while mbk2 and ocbc are combined.

only hlb essential is unlimited, but just 1% cashback.

Sorry im not very clear what does it mean by combined.

Based on my below spending Average 3K per month
30% from Foods, 10%Petrol, 8% Telco, 10% Gym&Insurance, 42%Others.

Is it possible to go for 1 CC and rebate of RM150 per month?
If yes which will be the recommended?

ocbc give 5% rebates for petrol, dining, groceries and bills, also 1% for others.
this rebates are combined for max rm50/month. not 5% max rm50 and 1% max rm50.
means, if u swipe rm5k on others category, u already max out the cashback.
another simple calculation is if u swipe rm600 for petrol + rm400 on bills then u already max the cashback quota.

same goes with maybankard 2 amex, 5% is combined for all 1st rm1k transaction on sat & sun.

while uob got cashback for petrol and groceries category (each rm30/month), the rest are unlimited.

if ur 1 CC is between UOB One, OCBC Titanium, or Maybankard 2 AMEX, then the answer is NO.

for rm3k/month spending, u should get all that 3 cards u ask. with proper planning, u can get cashback rm150/month from the 3 cards

---

Added on October 13, 2011, 4:54 pmothers than those 3, 1 cc that can get rebate of rm150/month is hong leong essential, coz the card offer 1% unlimited (if, swipe rm15k/month)

This post has been edited by erry-: Oct 13 2011, 04:54 PM

Thanks Erry.

I just want to clarify that UOB 1 Card only caps on petrol and groceries.
Meaning i might be able to get rebate of RM150 per month provided i swipe more on other categories.

welcome.

yes u can reach rm150/month with uob but for other category, u only get 0.3%

if petrol & groceries are enough for u with uob, then go for hlb essential, 1% unlimited.

or if u prefer prepaid (got money 1st then swipe), go for alliance debit plat, 1.5%, max rm90/month (rm6k).
no gst, annual (atm) fee rm12 only, but this card cannot use for online transaction.
additional note: to get this card, u need to deposit rm20k with alliance (but can withdraw later)

btw, for uob, petrol is good, but groceries just 2%.
while amex (weekend) and ocbc (anytime) give 5%.
if u shop for groceries only on weekend, better go for amex, coz u also got 5x points.

spend ± rm3k/month (as u stated before), better uob + amex.
use uob on weekdays and amex on weekend.

but, if u swipe at places not supporting amex, then either:
uob + hlb essential, or
uob + alliance plat debit (just must deposit money 1st la).



This post has been edited by erry-: Oct 14 2011, 10:14 AM

u must have following cards
1. MBB 2 AMEX
2. OCBC titanium

Choose either one
1. HLB essential
2. UOB one card

30% from Foods - use AMEX
10%Petrol - Use AMEX, OCBC titanium and UOB one card
8% Telco - use OCBC
10% Gym&Insurance - use OCBC titanium or HLB essential card
42%Others - if shop accept AMEX, use it or else use HLB essential card

if shop accept AMEX and u max the rm50 cash rebate already, just use AMEX. u get 5x treatpoints which is much better than 1% cash rebate

This post has been edited by gerrardling: Oct 14 2011, 09:47 AM

ok its not wrong for u just want to use uob and get rm150/month, but we recommend u to get cashback as high as u can.

this thread is about recommendation right?

even use 2 credit card need to pay 2x gst, the cashback can still cover it

i think it make sense.
I will go for it then. Thx

I don't think Maxis can pay by AMEX online?

you can try on the autodebit

yah, most of my DiGi, Maxis and Celcom bills autodebit with MBB 2 AMEX but two autodebit with OCBC TMC.

TM doesn't allow autodebit for OCBC right?

TM allow autodebit with OCBC, but make sure you apply it at TM, no at OCBC.
( due to some claimed autodebit for TM apply through OCBC are not received 5% cashback.)
I have 2 TM's autodebit via OCBC.

all this time i go to kiosk on weekend early morning, easy parking, 5%

Just started working, planning to apply one cc for convenient
1. Annual Income: ~40-50k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate
4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Maybank


6. Estimated Spending per month with the card: Less than RM1K

hi sifus!

need some advise on choosing the right credit card for me.

Below is the details....


1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: prefer the free fee. but acceptable annual fee is ok for me

3. Card required for: Petrol, Hotel, Shopping, Paying bills, etc

4. Existing credit cards if any: This is my first time

5. Preferred Bank or Considering CC from banks: Any

6. Others: I travels a lot (around malaysia only)

7. Estimated Spending per month with the card: RM1K to RM5K


thanks in advance! cool.gif

1. Annual Income: less RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, Don't Know.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: List the Banks or List the card(s): No.

6. Others: Please be specific. Example: Looking for Maximum benefit card

7. Estimated Spending per month with the card: Less than RM1K


thnx

i would recommand on maybank 2 card since maybank is your preferred choice already
but you will need to provide at least 2 pay silp for the application

uob 1 card would be suitable for you with cash back feature + smart cash for participate outlet

you can considered on uob 1 card or maybank2card if your spending almost at the weekend since maybank2card amex gv you 5% cash back at weekend + 5x TP