Me too since my Wise card already cover petrol, mobile and grocery

Haha I already said i'm the last collected the rebate. A partial of my last transaction got rebate. But I wonder if anyone else get partial rebate for their last transaction. Care to share here? If yes, then we can complain because it's IMPOSSIBLE 2 person get partial rebate. My last transaction is 15th Mar 2014

15/3 already finished up uob's 5% cash back allocation? still have another half month to go without 5%?

looks like it's time to cancel uob cc...

only 15th but already finish allocation, sad.

No choice. Actually UOB One cashback credit card is the best petrol cashback in the credit card line, albeit some stupid limitation such as capped 45k. Even Hong Leong mach requires RM50 per transaction, and 10 swipes a month (every swipe RM50 above) to be entitled to 10%. Lousiest, you nid to swipe accurately RM500 coz the max cashback a mth is RM50. Citibank Shell credit card also pretty stupid coz only at shell and has a catch where other retail transactions determine your petrol cashback limit.

For those of us in the poor line, UOB is the best we can afford. CIMB Petronas Gold is better, however 5% on the 1st week and 2% for subsequent weeks. If you average out, you get lesser than 5%, around 3% max. UOB is good altho they don't rebate you after 45k capped, your average sure 3% (Based on RM150 per month, my car Perodua Viva). Added to the UOB Smart Cash 2% at BHP(after 30 April), cashback still consider higher.

As such, UOB is more efficient for those of us who don't own a big car and can't afford to pump full tank above Rm100 (split RM50-RM50 for 2 swipes)

but citibank cash back also 5% for petrol, similar to uob.

just that need accumulate rm50 to receive cash back.

UOB now has 5% cashback (first 20 days of the month i assume) + 5% smart rebate (capped at rm400 i heard) at BHP.. so it's still 10% cashback if u count carefully..
however the 5% smart rebate will be over after 30 april.. so till then.. earn as many rebates as we could

sometimes not easy to find bhp, but yeah 10% overall is good.

So, Which One Better...???
CT Cash Back Plat. OR UOB One Card & Which Card You Will Take... ???
I Would Like Know Also...

So, Which One Better...???
CT Cash Back Plat. OR UOB One Card & If You Which Card You will Take ... ???
I Would Like Know Also...

Sorry 2x Post
Edit Again ...

i would take citibank, because for petrol cash back it's better than uob for now.

how often would 1 pump bhp anyway? unless bhp is nearby.

Advantages of UOB One
1) CT Cash back does not reflect immediately on statements. UOB One card does

2) CT Cash Back Plat is 5%. For UOB One, if you pump at BHP, the average per month is usually 5.5% (3.5% avg + 2%) if you pump most before 15th and less after 15th.

3) UOB One got 10% (5+5) cash back at GSC 7 days a week. CT cashback don't have

4) Collectible Smart$ rebates are good since you can collect them. Good for future use at certain smart merchants

5) UOB One visa salary requirement 24k. CT CashBack 40k...stumbling block for new grads.

6) Low annual fee in case bank doesn't waive. CT Cashback RM195. If don't waive, you cry.

Advantages of CT Plat
1) Free complimentary insurance coverage. Very useful if card drops. UOB must pay for the insurance.

2) Reimbursement of money if product is unsatisfactory. Very good point.

3) 5% cash back petrol for all pumps. Useful. No nid hunt for BHP

4) Senheng gives up to 24 months 0% payment plan. UOB only 12 months.

5) Citibank got more merchant partners. Very good for discounts when eat out. Many places with Citibank logos. UOB very few.

For the month of March, it's up to 15th

this is not an advantage of ct plat. uob 5% cb petrol also for all pumps. additional 5% smart$ if you pump at bhp. after april back to normal 2% smart$ at bhp.

I Do Agreed with You Both...
As For for Myself even I Got Both Cards, I Prefer UOB More than Citi Coz UOB Credit Rebate to Us $$$ Masuk ke Account Every Month, as Citibank have to Wait the Cash Rebate Sampai RM50 baru Credit to the Account ...

This post has been edited by fly126: Mar 19 2014, 11:25 PM

Edited... Double Post


This post has been edited by fly126: Mar 19 2014, 11:13 PM

yeah, i have both too but cancelled citibank earlier bcs of this reason.

lol, always see you double post. don't cemas, be patient, tunggu a while... use smartphone at poor coverage area eh? i faced such problems too sometimes...

Have to On/Off again the Connection baru Boleh Guna...

Oh ya!! My bad my bad. Mistaken. Hahahaha then it's not an advantage.