No such thing. I always overpaid to my cc bill. Example if they need RM 17, I mostly just direct transfer RM 20..

Which bank has the best cashback?
HSBC? Citibank?  There's also this new bank called Mach by Hong leong bank. I was approached by their promoter in Giant yesterday and she gave me cash bank on the spot.

I spent nearly RM200 for my weekly grocery, they asked for my receipt and they gave me RM8 in cash!

I'm not a mach customer and I actually used another bank's credit card to pay then, but they told me they are trying to create awareness about their double cash back.

So anyhow I've checked out their website and oso a thread in Low yat about the cc and it seems very good and reasonable. But how does it compare with other banks? I currently have HSBC card. Thanks for your advice.