Noticed my petrol rebate drop from 5% to lower % recent month. So I called to hotline yesterday and been told the 900k term and condition. Totally sohai card, but nevertheless is still the highest petrol rebate card compare to others (Before that is OCBC). After using almost all CC, i can made a conclusion that all CC is 'cheating' by regularly changing T&C.

The HLB mostly a rubbish to me. Need to do 10 retail transactions with min RM50 each. I have to remember the 'algorithm' each time I spend just doesn't make sense to me.

Currently i own
Standard Charted 360' reward (rubbish), HLB Wise (Rubbish), HLB GSC (Rubbish), OCBC Titanium (Rubbish after 5% rebate retract), One card Titanium (the best among i owned, but the annual fee is rubbish), UOB platinum, Citibank clear card (Rubbush after it retract TGV ticket discount). Rightnow on the way call to each service hotline to cut it, might probably end up with OCBC only.

That's why i said most bank is cheating by changing T&C regularly.

Just now called to UOB to terminate my One platinum. High annual fee (They said max can get 50% reduction ony)+petrol rebate 900k cap (More worst now as the fuel price increase). Bye bye UOB, will never return.