maybank2 cards, hlb wise and aeon watami

I see a lot of recommendation for maybank2 and uob one but maybank charges gst 100 annually and for uob 60 swipes r required? Any other card which don't require a lot of swipes with cash back? Also, for online paypal transactions in USD, does the bank charge under sell tt/od or currency notes?

aeon watami doesn't need a lot of swipes. but need to use min rm3k per quarter to activate 3% cb.

I wish I can Recommend a Perfect Card for You, but Sadly Nothing came with Perfect...
Reference:
1) Maybank 2Cards (Lifetime Fee Waiver) https://forum.lowyat.net/index.php?showtopi...post&p=68551797
2) UOB 1Card: https://forum.lowyat.net/index.php?showtopi...post&p=68505615
3) CIMB Cash Rebate MasterCard (Lifetime Fee Waiver)- 5% Cash Rebate on e-Commerce (online spend), 2% Cash Rebate on Petrol & Groceries http://www.cimbbank.com.my/creditcard/atta..._REVISED_V4.pdf
OR
4) Aeon Watami Visa card: 3% cashback per quarter spending need a min accumulated RM3k spending in the quarter, for you to get 3% cashback+ Annual Fee Waiver subject to 12x Swipes a Year https://forum.lowyat.net/topic/2664640
5) HLB Wise Card: with 10% Cash Back MUST have Min. 10x RM50 transactions per month to get 10% Cash Back & also, NO Annual Fee Waiver ($160-300) https://forum.lowyat.net/topic/3367769

This post has been edited by fly126: Oct 16 2014, 11:58 PM

fly126 I think u better put the max 30 for online transaction for cimb

Thanks for the Reminder already put in CIMB Cash Rebate MasterCard FAQ inside got Details of Max CB per Category...
http://www.cimbbank.com.my/creditcard/atta..._REVISED_V4.pdf.

I heard that UOB One Card has a capped limit of 900k and my mainly expenses are petrol. Is it true?

But then I pump at least twice a week. Afraid maybank2cards don't suit my need as only can pump on weekends.

While for Wise card, since there is NO annual fee waiver, and I need a supp card... the cashback might be very minimal.

May I know what will be the best option?

This post has been edited by fly126: Oct 16 2014, 11:07 PM

Should be around 400-800/mth... It depends

HLB Wise Pair Up with Petrol + ???
with,
Below 10 Categories:
1. *Mobile [Maxis, Celcom, Digi, U Mobile and YES]
2. Pharmacies [Watsons, Caring and Eu Yan Sang outlets]
3. Groceries [All grocery stores (MCC 5411)]
4. Petrol [At all petrol pump only (MCC 5542)]
5. Dining [All dining outlets (MCC 5811, 5812, 5814)]
6. Departmental [Parkson, AEON, Isetan, Metrojaya, Robinsons, Tangs, GAMA and Sogo outlets]
7. Book Stores [MPH, Popular, Borders, Kinokuniya, Times, Smart and BookXcess stores]
8. Utilities [Electricity and Water (MCC 4900)]
9. Entertainment A[ll cinemas (MCC 7832), Ticket Charge, Ticketpro, Red Box and Neway]
10. Travel [All airlines (MCC 3000-3299, 4511), hotels (MCC 3501-3999, 7011), tour packages (MCC 4722, 4723)]
* Bonus Category

CONS
- 10% Cashback only applicable to 2 selected categories + Mobile (by default)

Got to Plan your Expenses Carefully to Achieve Min. 10x RM50 transactions per month with 10% Cash Back as the Annual Fee($160) I think You still can Cover Up with Your CB

This post has been edited by fly126: Oct 16 2014, 11:30 PM

Let's say I spend 500 per mth ( within the category) with CB of RM50.

1yr = 600
Annual Fee = 160
Supp card = 80
GST = 50 + 25

So i only get CB of RM285

There is no perfect card

Edited 2x Post...

This post has been edited by fly126: Oct 16 2014, 11:38 PM

Edited...

This post has been edited by fly126: Oct 17 2014, 12:47 PM

Owhh I see.. Thx..

MY Best Option to You will be...

CIMB Cash Rebate MasterCard (Lifetime Fee Waiver)- 5% Cash Rebate on e-Commerce (online spend), 2% Cash Rebate on Petrol & Groceries
Although with less CB (Only 2% Petrol CB) compare to Other CC, but with Similar 2%CB on Groceries which's same with UOB. This Card is Free for Life with NO Annual Fee will help U Save More...I think It's still Ok as long as You still get Cash Rebate with Your Spending... http://www.cimbbank.com.my/creditcard/atta..._REVISED_V4.pdf

As for UOB 1 Card- No Guaranteed on Petrol CB maybe have to Pay Annual Fee for the Subsequent Years, It's a Disadvantages to U...

This post has been edited by fly126: Oct 17 2014, 02:55 PM

please recommend me a credit card with no annual fee and GST. need to sub it for my parent with minimal use.


thanks

Go open joint savings account with them and have them issued Debit Cards where you can "control" the damage by depositing only amount that is required.

af can be free for life, but gst is a must.
although certain banks willing to absorb the gst, but only for the first year usually.

I like hahahahah

None of the credit cards has GST free, so as per Gen-X's advice, get a debit card. Debit card has no GST.