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.

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

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

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

It's additional feature to convert your GE premium to IPP without charges. Other than that, remain same.
Nope, no additional 0.1% rebate.

I think i ask the question before but i cant find my post =___=

1. Annual Income: <30k

2. Free Lifetime Annual Fee: depends, if not high its ok

3. Card required for: dining mainly, grocery second (of just dining also can)

4. Existing credit cards if any: No

5. Looking at CC from: anybank recognize worldwide since i plan to buy online with cc

dining = estimated should be around rm400 max per month for both dining and grocery.

online purchases is vary, sometimes i buy a lot, sometimes i buy less :|,i guess around average RM200 per month

Hi do u think cimb gold will suit my needs?1% seems no diff lololol

the dining discount seems higher, although i dont think there is grocery cash back or anything

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.. ><

aeon watami apply to all insurance company ? what is the rebate ?

3k per q... i cant meet this as my monthly AIA DD is around RM500, about RM1500 per q.

any other cc that i can take advantage from with AIA monthly DD ?

i know OCBC offer 1% cash rebate but try to earn more than that.

e.g on watami aeon card :-

1st month spend 1K
2nd month spend 1K
3rd month spend 1K

add up 3K per q, so qualify for 3%, the 3% cash back will be 3% over 3K spend = RM90 ? or cap at certain amount ?

1. Annual Income: below 22k

2. Free Lifetime Annual Fee: A Must.

3. Card required for: petrol priority SHELL bcoz of travel alot

4. Existing credit cards if any: none

5. Looking at CC from: maybank if possible or other

6. Others:dont have any commitment on any bank..my bro said need to have commitment coz later easy to approve any loan.

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).

you are a professional credit card user?     

Going to cut my HSBC card. My husband was primary card, and im holding supplementary. Is using the card since more than 5 years. My husband already cut his last week due to the card been misused for unapproved online transactions. Immediately go to bank to cut. Now looking for a new card.

1. Free Lifetime Annual Fee - preferable. OK if the bank free waiver for min 12 swipes per year as well.
2. Purpose of the card - online transactions, utility, dining, insurances, etc EXCEPT for petrol and groceries as we are holding HLB Wise card for 10% cash back for these two categories.
3. Does not looking for those travel or enrich programme cards as we hardly fly with those. Usually fly with budget airlines.

Reading at the first page, looks like Maybankard 2 AMEX is good for local daily transactions? Any advise?

aeon watami? where can i read for more info about that. thanks!

1. Annual Income: RM24K - RM30K
2. Free Lifetime Annual Fee:Yes
3. Card required for: use for dining, petrol, oversea vacation and booking, oversea online shopping
4. Existing credit cards if any: none
5. Looking at CC from: none
6. Others: If have cashback or rebate would be good and preferably easy to pay back (use online banking & no need to go to specific bank)