aeon watami 3% quarterly rebate. minimum must achieve rm3k total transaction in a quarter to activate the 3% for that quarter.

Hello,

1. Annual Income: RM30K to RM36K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Installment with zero interest (home appliance), Petrol, Cash Back/Rebate, Pay Bills (via online), Grocery, Cinema (seldom).

4. Existing credit cards if any: Nil.

5. Looking at CC from: Not sure

6. Others: New house moving in. Need installment with zero interest for refrigerator and washing machine.

Thx..

mbb2cards or aeon cc or hlb wise

Hello,

1. Annual Income: RM24k to 29k.

2. Free Lifetime Annual Fee: a must

3. Card required for: paying insurance of around rm600 a month and various small daily usage

4. Existing credit cards if any: Nil.

5. Looking at CC from: Not sure

6. Others: looking got cc with most discount in insurance from great eastern

Thx..

:respect

aeon watami cc

take note that you have to spend rm3k in each quarter meaning in 3 months to get RM90 cash back, if you spend less that that you get nothing so this has to be your primary card

max cash back you can get on this card each quarter is rm150

with your rm600 per month, your one quarter will be rm1.8k.
you just need to spend another rm1.2k (every quarter) on anything to achieve the minimum rm3k to activate your 3% quarterly cash back.
it will not be hard for you since this is your only cc.

hi... it will be hard for me to get another rm400/month into cc as my other spending that can cramp into cc is only around rm50/month. thanks

otherwise you may try ocbc blue/pink with 1% on any thing, any day and any amount.

ohh now i understand dy..
the rm100 is one time payment only?

annually

Sorry, off topic. RM600 a month for insurance? for someone who earns less than 3k a month, that's a lot of money. please tell me you are paying insurance for other people, that makes sense, otherwise, are you sure you want to dump 25% of your income to insurance and barely have enough savings?

Insurance should not be counted as your 'savings'.

That was my first thought as well...
Even I'm earning more (around 2.5x more) but I only pay RM 250 per month for my insurance to complement the insurance I have from my current company. RM 600 is a lot actually.

yeah, that's a lot...

but surprisingly my own insurance is around rm850 per month (since at least a decade ago until now) when my annual income was just around rm24k that time...

thanks for the advise. it was for whole family😃 thanks for the advise thou. so... ocbc blue/pink for 1% anything eh?

yes, 1% for any thing at any time without any limitation and requirements or hidden terms & conditions.

after visit ocbc website, it seems great eastern mastercard is better than blue card? as they are both 1% but ge mastercard have free ipp

yeah, it's better only if your insurance is ge with premium more than 2.2k each to be converted to ipp. not only free ipp but you will also earn additional 0.1% rebate if not mistaken.

It's additional feature to convert your GE premium to IPP without charges. Other than that, remain same.

Nope, no additional 0.1% rebate.

between uob one and hlb wise card which is easier to use ? noob friendly.

for noob friendly, of course is uob one. but must take into consideration that uob petrol rebate is based on 900k monthly allocation on first-come-first-serve basis. usually the allocation is finished by 13th of a month. after the allocation finished, any further petrol transaction will be 0% cash back.

as for hlb wise, you need to maintain minimum swipes of >rm50 x 10 times (posted in a calendar month) in order to activate the 10% cash back. if fail, your whole month's transaction will be 0% cash back. but there is no allocation, meaning that you will confirm to get 10% cash back on whatever you swipe in the categories which you have chosen.