so... Already tak Laku...

For insurance, which card offer good cash rebate?

Get the Maybankard 2 Cards - the AMEX earns you 5% Cash Back on Weekends and 5X Treats Points Everyday. It is FREE FOR LIFE

If you spend substantial sum overseas and want to get FREE Business Class ticket, then get the Maybankard Visa Infinite and earns yourself 5X Treats Points Overseas. And for places that do not accept AMEX, the Maybankard VI earns you 2X Treats Points. However, please note that the annual fee is only waived with RM50K spending a year.

Click here to read my article in regards to 5X Reward Points with Visa Infinite for overseas spending. In this article I compared Alliance Bank Visa Infinite versus Maybank Visa Infinite and UOB Bank Visa Infinite.

If you want Enrich Miles, the best credit card is Maybankard Visa Infinite where you earn 1 Enrich Mile for every RM0.90 spent overseas.

For example, until 8 Dec 2013, Enrich is having 50% discount. One only needs 27500 Enrich Mile to redeem for a Business Class ticket to London. So with Maybank conversion rate of 4500 Treats Points = 1000 Enrich Miles, you need 123,750 Treats Points. But with 5X Treats Points for overseas spending, you only need to spend RM24,750.

The cheapest raw fare (i.e. exclude tax and surcharges) to London on 28 March 2014 with MAS (based on today's promo price) is RM7,321. Therefore you are like getting 29.57% (7321/24750) cash back!!!

If you not into Enrich Miles, well, you need the same redemption Treats Points for both MBB2 AMEX and MBB VI to redeem for RM50 cash voucher.

This post has been edited by Gen-X: Dec 6 2013, 05:37 PM

Hi, I'm looking for a good cash rebate card with free annual fee... currently using Citibank Cash back and OCBC titanium. But gonna cancel my citibank since they don't allow me to waive the annual fee. OCBC now offer only 1% rebate instead of 5%.

I usually use my card for petrol, phone bill, and dining... any recommendation? Thanks!

you could go for maybank2 gold or platinum cards

This post has been edited by DarReNz: Dec 7 2013, 12:22 PM

currently holding 2, maybank 2 card + hsbc amanah.

looking to get card for dining / pretol

cos, i use amex on weekend for paying off monthly bill which is amounting rm1k already... lolxxx

petrol pump on weekend using hsbc amanah 5%

so... need a card for dining everyday

1. Annual Income: RM80k to 120k

2. Free Lifetime Annual Fee: if available

3. Card required for: Benefits(e.g airport lounge) and discounts(dining/shopping).

4. Existing credit cards if any: Maybank2card, HLB Wise , public bank(planning to cancel)

5. Looking at CC from: Any banks

Do not need another cashback card.

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Education, Cash Back/Rebate for retails/groceries

4. Existing credit cards if any: Nil.

5. Looking at CC from: OCBC Titanium MasterCard for cash back for retails/groceries and UOB ONE Card for petrol.


what u guys think?

Alliance Platinum CB - Unlimited Free entry to KLIA Premier Lounge, the CB however is unattractive as it is tier-based. Is one of the cheapest card to maintain that come with complimentary lounge access in KLIA. (12 swipes a year for annual fee waiver)

AEON Watami - 3% rebate capped at RM150 (RM5k spending) quarterly, minimum 3k spending quarterly to be eligible. No category crap like other cashback cards.

OCBC now only 1%, get M2Kard for weekend spending 5% rebate. Can also consider Watami as my recommendation above to soven.

but i dont like the fact i must spend only on weekends. i spend on weekdays too.
watami must spend at certain location for 3%? as my place dont have all those big brands around

Yes anywhere as long as the card is accepted, also a good backup to M2Kard Amex in the event that Amex is not accepted

Only conditions is rebates only kick in with minimum 3k spending quarterly and with this you only get rebate every 3 months.

This post has been edited by bearbear: Dec 9 2013, 03:19 PM

Maybank2 Gold vs UOB One basic, which is better?


PS: Already have UOB One basic and OCBC Ti on hand, but Maybank called me to offer me the gold card. Thinking to terminate either one here.

This post has been edited by DT8: Dec 10 2013, 03:17 PM

Anyone??? I intend to keep 2 cards only, OCBC Titanium vs Maybankard 2 Gold vs UOB One classic?

If I were you, I'll keep all three. Why? Because all 3 are not even perfect cards to use. It just compliments each other.

MBB2 AMEX: weekends and AMEX accepted merchants
UOB ONE: 5% rebate on petrol with spending cap and good to have if you have maxed out the quota on MBB2 AMEX
OCBC Ti: 1% of unlimited cash rebate regardless of any day and category. Good to use if you have maxed out the quota on MBB2 AMEX and don't want to get the petty rebate of 0.3% from UOB ONE on other swipes such as dining

Maybank 2 Card is FREE for Life with 5x Treat Points + 5% Cash Back on Weekend Spend (2 Amex)- A Must Have CC...
UOB One Card - 5% Off on Petrol + Others Rebate the Annual Fee Usually can be Waive by Calling Customer Service if Use the Card Frequently & Retain as a Good Paymaster to Them ...
OCBC Tit. - Free For Life with 1% UNlimited CashBack

Actually, U Should Keep All 3'CC...& the OCBC Tit. as Backup

This post has been edited by fly126: Dec 10 2013, 11:24 PM

Hi all,

I'm still doing some research on finding the next best card to compliment and backup my Maybank2Card after OCBC Titanium has changed to 1% unlimited.

Mainly spend on petrol, utilities and mobile.

I'm looking at HLB WISE card (with the above 3 categories as choice) to cover the weekday. Any better card?

As for other expenditure... I may stick with OCBC Titanium card if I spend more than RM 5,000 (to cover the GST RM50) or else use Maybank2Card's Visa for it, to save on the GST (since it's mandatory for me) and the points it's equivalent of 0.5% right?

This post has been edited by shawnk: Dec 11 2013, 02:40 PM

If for petrol, utilities and mobile, we can use MBB 2 AMEX maybe except for water. The 5X TP is way better than then OCBC 1%.

For petrol, the UOB One Card is good as you earn 5% cash back. However, it is only good for up to RM300 worth of petrol per month. So if you pump more than RM300 but less than RM600, then maybe the no auto annual fee waiver Citibank Cash Back is good if you can get the second, third and fourth years annual fee waived.

AS for the wise card for Petrol only, good if you can like pump RM50 10 times in a month.

You may want to consider reading my articles below where I touched on HLB WISE.

New Credit Cards in 2013

Effective Cash Bacjk Rate From Credit Cards. Is this article I will show you why you should not get the HLB WISE Platinum.

Thank you Gen-X. I have read them (very informative!) and I think it's still best for me to apply for the WISE classic to complement my M2C based based on my spending pattern.

May I have some advice?

A) I'll be traveling to oversea next year for 1 month. Still thinking which card I should apply to buy flight ticket and travel. Any thought?
B) Which card is good for electric bill, DIGI, Maxis and etc? Last year, I was using OCBC Ti. Since no more offer, want to switch this as well.

Since you have OCBC TMC, I believe you shuold be able to qualify for Maybankard 2 Cards where the annual income requirement is less.

With the MBB 2 AMEX you can earn 5X TP for your air tickets purchase plus 5% cash back on weekends.

MBB2 AMEX is also accepted by TNB, DiGi and Maxis.


To ALL:

Please use the format in Post#2 when posting