yeap this is if you are a petronas fan

a bit costly ><'''''
for uob one card.. the cashback...
am i need to apply for the cashback?
or it will auto-deduct?
i am quite confused on this.. ><

auto-deduct but there is an allocation of rm900k (fcfs) for petrol cashback.

hi all sifu, which cc can get more cash back for petrol? i spend around 1k everymonth for petrol

This post has been edited by napoli26: Sep 25 2014, 08:38 AM

Maybe not one credit card. But combination of mbb2card and citibank cash back plat should do it. Mbb2card only weekends... Then weekdays you can use citibank. Please take note of t&c of the cards.

Also maybank visa signature but you didnt mention your income but the two above should do it for 1k.

Or only mbb2card but you can only pump during weekends and not all petrol station accepts amex

This post has been edited by adele123: Sep 25 2014, 08:47 AM

thanks for ur info, how ab uon one and hlb wise? last nite i check online, citibank shell if i use 1k, cash back rm30?

HLB wise is also a good choice but you need to fulfill the terms and condition to make 10x RM50 transaction before you can enjoy the 10% rebate.
The HLB wise rebate RM 100 max
citibank shell rebate too little and only lock on to shell station.
UOB one card got quota, once monthly quota hit, then no more rebate

eh, i forgot wise card cause i always thought the requirements are annoying. but 1k is a huge a mount. you can simply swipe 10 times > RM50 every month.

Note citibank shell is restrictive. you need to spend on other things as well. effective rate of cash back is actually not that high.

so you can consider
1) wise card
2) maybe a 2nd like mbb2card or citibank cash back plat.

edit: i didn't recommend uob one because since not too long ago, uob one has this pool limit on petrol cash back. alot of forum-mers complaining in uob thread not getting cashback. so, it's NOT GUARANTEED cash back anymore.

This post has been edited by adele123: Sep 25 2014, 09:01 AM

the True about Citi-Shell Card, You Won't any CB Below RM300 on Petrol Spend...
https://forum.lowyat.net/index.php?showtopi...post&p=68613397

How about Citibank Cash Back platinum is Good you can Earn Up to 5% Petrol Cash Back
https://forum.lowyat.net/index.php?showtopi...post&p=70332817

Thanks all sifu, i think i will go for hlb wise, i need to spend atleast rm250 per week for petrol, but annual fee for wise can't waive?

This post has been edited by napoli26: Sep 25 2014, 09:37 AM

guys kindly help. Currently i have citibank clear card on my mind, and also UOB one card

1. Annual Income: RM20K to RM30K or RM27K

2. Free Lifetime Annual Fee: NO

3. Card required for: List all your needs. Petrol/General Purpose, Movies

4. Existing credit cards if any: NIL

5. Looking at CC from: -

6. Others: Reward Points

based on response on wise card thread, no annual fee waiver. but use first la, when 2 months (not 1 month because the rebate calculated is based on previous month) before anniversary then you consider whether you want to renew. DO NOT take wise platinum or you will pay more annual fee for no reason.

even taking into account the annual fee, effective cash back from HLB wise card is still the highest. (1200-160)/12000=8.67% (assuming you spend RM1000 per month and RM100 Cash Back Per month)

remember t&c for wise card. RM50 x 10 transactions per CALENDAR month. check wise thread for other info.

MBB2Card (though min income requirement is 30k, B1 F1 Thursday TGV, RM10 before 6pm TGV)
CIMB Cash Back Gold (petrol 2% guaranteed, GSC discounts and RM10 tix too) vs UOB one card (petrol 5% not guaranteed)
Citibank Clear Card (B1 F1 Friday GSC, TGV, Cathay. RM10 before 6, Sat, Sun, Pub Hols)


This post has been edited by adele123: Sep 25 2014, 10:12 AM

My income is RM40k per annum.

Which credit card can give me 5% cash rebate or above in petrol . Pharmacy. wit no minimum spending? OTHER THAN UOB ONE CARD.

Citibank cash back raise their requirement, need RM 60k per annum.

Mbb2card? I use amex at watson/guardian. If you are referring to these type of pharmacy.

Wise card if you can fulfill the t&c. Wise card has pharmacy category too.

hmm is it 2 months ? u spend in aug, u will get cb in sep so just need one month only without spending then when u cancel the card

This post has been edited by DarReNz: Sep 25 2014, 09:35 PM

My logic is... Aug rebate will be reflected on sept 28. then september you won't use it fully, just use it to use up august rebate. so i was thinking 2months before, should be last month of full usage.

This post has been edited by adele123: Sep 25 2014, 08:56 PM

But,the cash rebate only on weekend lo... got daily basis wo ?

Hlb wise card. Like i mentioned. But must fulfill wise card t&c.

what do u mean by use it to use up aug rebate ?


ok i think i understand what you mean so if u stop spending and you get the extra rebates in the following month you would be thinking it's wasted so you just have to spend that exact amount and it has to be outside your category then ?

This post has been edited by DarReNz: Sep 26 2014, 05:29 PM

Dear Gen-X / Guys ! need your precious advises.........

my current situation.......

* MM2H expat [ jobless ]

* Got local & overseas Rental income.

* Own stay Condo at KL for permanent address.

* maintaining savings & property loan account with SCB & UOB for 3 years.

* primary intention to fly back home around 6 to 8 times a year.



1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: AirMiles preferably MAS + KL Living expenses.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybank - Maybankard 2 Amex, Visa infinite, Citibank - Premier Miles, OCBC - Titanium Mastercard.

6. Others: I am a foreigner + freehold property investor.