Which card got good rebate when purchase from NSK supermarket?

1. Annual Income: 38K

2. Free Lifetime Annual Fee: Doesn't care

3. Card required for: Mostly on Petrol, some groceries (Tesco, Aeon, Giant etc), bill payment

4. Existing credit cards if any: SC Visa Gold

5. Looking at CC from: Nil

6. Others: I just want to do RM5k BT from my SC CC. If you guys can list down the best BT is highly appreciated.

Maybankard?

Heard that also maybank got 0% interest balance transfer for 1 year. but i think got processing fee 3%.

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by ngaisteve1: Oct 2 2014, 02:32 PM

having promo now so no fees until 8 mar 2015 so apply today and another promo running currently is that both cards will get their service tax waived

This post has been edited by DarReNz: Oct 2 2014, 06:19 PM

which promo that will waive gov tax? i want to apply maybankard 2 gold but she said need gov tax rm50

maybank new cc app

you can check out the mbb2card thread.

wa waiting for this for years thanks man

This post has been edited by ngaisteve1: Oct 2 2014, 07:10 PM

Any good credit card which offer good cash back for education (diploma in college) fee? I saw HSBC got 20% cash back but promotion over already. If not, then I think I might use MBB 2 Gold.

u will get 2x points for that still equivalent to 0.8% cashback, if you still have titanium u can use it too for 1% cashback

Yeah but if I swipe on weekend, then i got another 5% cash back.

This post has been edited by ngaisteve1: Oct 4 2014, 05:46 PM

how many cards you're carrying now?

if got mbb2cards (monthly cashback max cap at RM50), then use it on weekend, of course provided your college accepts Amex too. if planning to get new mbb2cards now, still ok cuz got new signup promotion (shared by adele123 above)

try ask your college admin whether they accept multiple-cards combination swipes to make up RM6.1k college fee.

e.g.
since mbb2cards cashback capped at RM50 per month, that translates to RM1k swipe per month.
You still got remaining RM5.1k <-- for this remaining, swipe it with Aeon Watami card (cashback max capped RM150 per quarter = RM5,000 cumulative swipe amount per quarter)
The remaining RM100, just stick with mbb2cards to earn 2X points or if your college allow you to swipe remaining RM100 to next calendar month, lagi better cuz u get RM5 cashback instead.

Total cumulative cashback for RM6.1k swipe = RM200-205 with points from mbb2card+aeon watami

rough calculation only la, cuz excluding your other misc spending like groceries, petrol, bills, etc etc



btw, what is the college fee payment schedule like? RM6.1k per annum? per quarter?

need more study on your cards availability and the college fee payment schedule (distribution). then find the nearest available cards to best cater you.

wow totally didn't think for split charge technique to max the cash back

think it is possible, coz for college, they got nothing to loose.

this is a one time charge for a 8 month diploma course in natural health naturopathic college.

but confirm watami eligible to get max rm150 for education charge?

This post has been edited by ngaisteve1: Oct 4 2014, 10:30 PM

next question is does the college allow instalment payment?

since this is an 8-month course, say, split payment to RM3k + RM3.1K or max it out at RM5K + RM1.1k, per quarter each payment. Use Aeon Watami card instead.

this way you're expected to get RM90+93 or RM150+33 = RM183 total cashback.

Aeon Watami has low sign-up requirement too. however cashback per quarter is derived from approval date+3 months cycle, not calendar quarter. need to time your card application.


if it's too tedious, whack all in to mbb2card amex 5% RM50 cb+TPs or OCBC 1% unlimited cb (RM61 cashback). Both doesnt have annual fee and both have signup rebates which essentially free 1st year usage.

is mbb 12200points convert to money is RM48.8? 250 points = RM1?

no installment coz installment charge extra

u have to understand that MBB doesnt have direct points-to-cash conversion. having a 12200 points doesnt mean you can get back RM48.80 in cash/credit.

all have been discussed is about the equivalent value of the points in relation to the available vouchers for redemption.

lowest so far is 12,500 TP for RM50 shopping vouchers (Aeon, Metrojaya, SOGO, Parkson, Mydin, etc)

e.g. 12,500 TP for RM50 AEON voucher (recently reported here) <-- whereby RM1 value equivalent to 250 points.

refer this https://www.maybankard.net.my/catalogue.php?prodid=89 for MBB TreatsPoints shopping voucher redemption.


update:

if no instalment, the best is Aeon Watami.

1) Swipe RM6.1k lump sum. that'll max out RM150 cashback.
2) RM6.1k gives you 6,100 points (RM1 = 1 point). Aeon Card gives you cash rebate redemption from points, RM25 = 6,250 points. Refer here.
3) So, swipe another RM150 using Aeon Watami card to gain additional 150 points on top of 6,100 points = 6,250 points = RM25 cash rebate into your credit card statement. Also, you can BT from other cards to Aeon cards, cuz you get points too!
4) Total cashback/rebate = RM150 + RM25 = RM175 for the total swipe of RM6,250 = 2.8%

above just a suggestion

This post has been edited by cybpsych: Oct 5 2014, 05:38 PM

1. Annual Income: RM60K - RM80K
2. Free Lifetime Annual Fee: Preferably Yes, but if got fee, around RM150 is max (of course, lower is better)
3. Card required for: Usually for dining, some petrol, some online purchases (i.e. from eBay), occasional flight tickets & hotel stays.
4. Existing credit cards if any: Citibank Clear
5. Looking at CC from: no particular bank.. but I was looking at Citibank Cashback / Aeon Watami / Maybank 2 Cards / OCBC Titanium before this.
6. Others: Was thinking of moving to a cashback card, or a card with fairly good rewards points scheme. Usually my spending doesn't go above 1K though. Also would like it to be recognized internationally (which was why I opted for Citi in the first place).

This post has been edited by scy_krylief: Oct 5 2014, 10:49 PM

citibank cb mainly good for petrol, while aeon watami good if your spending above 1k/month. so you are left with mbb2amex 5%+5xtp (limited to weekends), while ocbc tmc 1% everyday. if you can wait to spend on weekends, then go for mbb2cards.

Hi, first timer want to apply cc,lots thing still unsure

1. Annual Income: how to see annual income?sales agent no basic, if based on commission up till now from Jan 2014 is >RM40K

2. Free Lifetime Annual Fee: A must I think, as getting cc just to keep for emergency use

3. Card required for: emergency use, but would be nice if have cash back/rebate/reward for all day(not only weekend) petrol, groceries, cinema, etc, and for car loan(next few months), if pay cc bill during the interest free period, is there any other fee other than the bill amount itself?

4. Existing credit cards if any: Nil.

5. Looking at CC from: preferably from maybank as own saving acc there and also seems only maybank have ezycash with 0% interest just incase emergency need cash(how fast is the ezycash?)

I'm working sales agent, no basic pay, no pay slip(only commission statement), no income tax also, will I be able to apply and get cc?

If I never use the cc, will I get charge?not really understand about minimum monthly payment.

Thanks!

you are a professional credit card user?

how much is your usage? If a lot a consider HLB wise card. Otherwise, Maybank 2 platinum is good

for online purchase can consider CIMB cash back coz any online purchase got 5% cash back.