wait, if i'm not mistaken, this 5-years free annual fee is for UOB Preferred Platinum, not UOB ONE Platinum?

oh ok. dont know regarding this promo.

coz i'm using 'old' uob one plat. i get free for life w/o any conditions (got b&w).

uob pref plat already terminated in june.
actually also want to terminate this uob one, already called, then the next few days (early july) they add extra benefits, so call bank and cancel the termination, got free gst waiver if swipe 3 times, and still can use this 'old' card.

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.

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

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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

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

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

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

rm2000 TNB, get MAYBANKARD 2 AMEX and signup for autopay.

confirm 10k points per month, which u can redeem rm50 voucher (parkson/mydin/sogo) or on-the-spot @ maybank center (rm50 caltex/petronas, rn10x5 carrefour, etc).

for TM, just use ur current OCBC Titanium (since TNB no longer pay with it).

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Added on October 21, 2011, 4:41 pmMAYBANKARD 2 AMEX, 5% but only on weekend ~

or, HLB Essential 1% anything everyday ~

This post has been edited by erry-: Oct 21 2011, 04:41 PM

* complimentary golf only if u bring 1 member and paid for it.

its better called buy 1 free 1

i never play golf with client or coz of biz. all this time just to have fun with fren

not just weekend, even weekdays also cannot use amex @ tnb!

yes only autopay.
and yes no weekend guarantee.

but in barlogteoh case, the tnb bill is rm2k/month. doesnt matter for weekend cashback coz already get 10k points which equal to rm50 redemption ~

u choose card bcoz of their design?

guardian, maxis, digi - maybankard 2 amex is better

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Added on October 24, 2011, 10:50 amand yes they have uob one classic. see here - http://forum.lowyat.net/index.php?showtopi...post&p=45958382

This post has been edited by erry-: Oct 24 2011, 10:50 AM

actually to get rm50 voucher, the points is between 9,300 to 11,000. or like i mentioned before, can also redeem carrefour rm10x5 (rm10 = 2,000 points).

no, u cannot pay bill onl via amex

again, no. tnb only accept visa & master. amex can only use with autopay

go for maybankard 2 amex + ocbc titanium then cancel those 3 cards

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Added on October 24, 2011, 4:25 pmmaybankard 2 = free for life
ocbc = free if swipe 12x/year + free rm50 bonus usage if swipe rm10k/year

This post has been edited by erry-: Oct 24 2011, 04:25 PM

less?

i think, many people use amex (at least, here in lyn).
coz on weekend u get 5% on top of 5x points.

rm50 max for all categories

many with even more than twice with no loan also rejected twice ~

maybe ocbc really target cust for 36k range.

if earned twice, trice, then go to other card type or other bank lah.

so they wont get clean (no outstanding) cust. more profit

no prob with ccris also they didnt accept

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Added on October 25, 2011, 9:22 amagain, maybe, ocbc already check the history with current credit cards, never have outstanding?

This post has been edited by erry-: Oct 25 2011, 09:22 AM

actually u just get rm88 upon credit card approval (gold). the remaining rm50 is given upon completion of 3 retail transactions within 45 days from credit card approval date.

pls do note that the card have annual fee, which is rm175/year.

also, this additional rm50 cashback only for online application.

so, not worth?

with rm40k p.a, its hard to get good 'oversea travelling' card

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Added on October 25, 2011, 4:37 pmother card that meet ur salary usually offer 2x points for oversea spent, but ur amex gold is already 2x on everything.

so i dunno what to suggest anymore

This post has been edited by erry-: Oct 25 2011, 04:37 PM