Generally, the reward system RM1 = 1 reward point comes out to be approximately 0.5% or less in returns when we redeem the points, that is why some cards give 0.5% cash back instead of points.

So for cards offering 5X, it will definitely be better than cards offering 1X points.

And thank you for reading my articles.

1. OCBC for Petrol (and if your petrol bills do not add up to RM1K, charge some utility bill to it) Monthly rebate RM50. Annually cash rebate RM600. Also Rm50 GST waived.
2. Alliance Bank Platinum credit card if you got monthly insurance or any other monthly expenses that is not chargeable with Amex card. Cash back applicable up to usage of RM5K where you get RM68+/month. Annually you'll get back more than RM800. On top of cash back, Alliance do reward you evergreen unlimited reward points RM1 = 1 point for local transaction.
3. Charge the rest into Maybankard 2 American Express and get 5X Treats Points equivalent to 2.5% return (better than Alliance) and maximum RM600 cash back annually if you spend RM1K every month on either Saturdays or Sundays.

From 3 cards above, possible max CASH back around RM2000 per year with RM7K monthly spending. Yet to even include Alliance reward points and Maybank Treats Points.

Your HSBC use when you get discount at merchants only, hahaha

Most supp card should be entitled to same reward point and cash back scheme . What your supp spend on? Best I suppose is the Maybankard 2 American Express where you'll be guaranteed 5X Treat Points. Go to Places that accept AMEX thread to get an idea where it is accepted.

No, the RM50 is shared. For groceries, the AMEX is accepted at most hypermarkets/supermarkets. Hospital such as Sime Darby and Pantai too. Shopping depends lah, yes she still need a Visa or MasterCard.

My wife hold supp cards as follows: Amex Gold Charge Card, Maybankard 2 Plat cards, UOB Plat, Direct Access World MasterCard and Visa Infinite.

She has her own Alliance Plat MC, Maybankard 2 Platinum cards (yes, she has both supp and principal, long story but if you interested in it, click here to read about it) and recently Citibank PremierMiles (so that she gets her own Priority Pass for airport lounges worldwide). She also has Alliance Debit card which gives her 2% cash back. She only uses her own cards to go buy stuff that she doesn't want me to know off e.g. jewellery, hahaha

yah, I know, gerardling call me crazy and someone else mentioned about fetish for credit cards  The list above only part of my cards, click here and here too too see all my cards.

HSBC does have its benefit tho, like if you book hotel thru Agoda you get 10% discount. And some merchants do give discount. Go to HSBC thread and click on the links I posted to check out the merchants offering discount with HSBC card.

1. OCBC for Petrol (and if your petrol bills do not add up to RM1K, charge some utility bill to it) Monthly rebate RM50. Annually cash rebate RM600. Also Rm50 GST waived.
2. Alliance Bank Platinum credit card if you got monthly insurance or any other monthly expenses that is not chargeable with Amex card. Cash back applicable up to usage of RM5K where you get RM68+/month. Annually you'll get back more than RM800. On top of cash back, Alliance do reward you evergreen unlimited reward points RM1 = 1 point for local transaction.
3. Charge the rest into Maybankard 2 American Express and get 5X Treats Points equivalent to 2.5% return (better than Alliance) and maximum RM600 cash back annually if you spend RM1K every month on either Saturdays or Sundays.

From 3 cards above, possible max CASH back around RM2000 per year with RM7K monthly spending. Yet to even include Alliance reward points and Maybank Treats Points.

Your HSBC use when you get discount at merchants only, hahaha
0% installment, go check the merchant where you want to purchase the stuff accept what card and then go apply that card. No point I tell you go get Maybankard 2 Cards and the merchant don't accept Maybank for 0% installment. But I think most merchants accept Maybank cards for 0% installment.