Thanks you the info.... just read the posts. The Gold still mentioned in HLB website

https://forum.lowyat.net/index.php?showtopi...post&p=72746938

https://forum.lowyat.net/index.php?showtopi...post&p=72753914

1. Annual Income: ~ 50k

2. Free Lifetime Annual Fee: A Must

3. Card required for: cash back for utilities bills

4. Existing credit cards if any: MBB 2 card, OCBC titanium (to be cancel)

5. Looking at CC from: Maybank Islamic MasterCard Ikhwan Platinum/Gold (for petrol & groceries cash back)

6. Others: N/A

This post has been edited by patrickthissen: Jul 6 2015, 01:19 PM

Seeking for cards recommendation

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Preferably.

3. Card required for: Petrol, Education, Cash Back/Rebate, Grocery (Touch 'n Go reloads)

4. Existing credit cards if any: Citibank Clear (going to cancel soon), CIMB Platinum Mastercard (mainly just for duty-free alcohol purchases at airport), UOB Preferred Platinum Visa (staff - AF waived)

5. Looking at CC from: Looking for recommendations

6. Others: Looking for a good points program card for online usage and also a (separate) card for good petrol cash rebates (I am hitting ~RM600 per month on petrol)

This post has been edited by RedShirt: Jul 6 2015, 10:42 AM

Seeking for recommendations

. Annual Income: RM54000

2. Free Lifetime Annual Fee: yes

3. Card required for: List all your needs. Grocery like aeon, giant, and econsave. Dining. Education. Rebate for any transaction

4. Existing credit cards if any: HLB, OCBC (PREVIOUSLY BCZ OF THEIR 1%REBATE), PUBLIC BANK 2 CARDS (forced to take one more gold card after i sign spa)

5. Looking at CC from: looking for recommendations

6. Others: GOOD REBATE CARDS but not for fuel (i dont drive. )

You are on the right track looking at MBB Islamic MC Ikhwan.

If you don't mind cash back cards, then check out the FREE FOR LIFE Maybank Islamic MasterCard Ikhwan where it gives you 5% cash back for petrol and Groceries up to RM1K spending. Alternatively, if your Petrol combined with Groceries hit RM1K and it can be split to minimum 10 swipes and each swipe no less than RM50, check out HLB Wise Platinum where it gives you 10% cash back, and even after deducting annual fee, you'll still be getting 7.5% cash back.

For groceries if you can perform the purchases on Fridays and Saturdays, once again, look at Maybank Islamic MasterCard Ikhwan.

For dining, how much you soend? If a lot on weekends at places that accept AMEX, then the Maybankard 2 Cards is good.


TO ALL: Once again, if you guys are looking at cash back cards or for Airmiles and FREE entries to airport lounges, click here to my blog for my recommendations of credit cards.

OT: I was waiting for my EM to update my activities but until today not yet updated for my last month's flight to Munich.
Just called the CS and they said usually travelling in One World airlines takes longer time to reflect. I have to reply her email with my boarding passes and itinerary, luckily I still have them.

I saw 50% off to Beijing and the travelling period just suits me. God bless me to get one return ticket. Business class or not doesn't matter, at least economy class. Promotion ending 14.07.15.

This post has been edited by fruitie: Jul 6 2015, 08:34 PM

Need advise for the cash back best card for paying utilites, currently the best i discover is cimb cashback card with 2% cashback for utilities and HLB wise with 10% cashback for utiities.

Any other suggestion?

Sis, pray super hard for the next few days, you got 1 week for your prayers to be heard

Yeah lo, damn pressurized.
Every year must go to Beijing once.

Anyway, I don't want to go OT anymore.

1. Annual Income: RM100,000

2. Free Lifetime Annual Fee: yes i want, also for supplementary

3. Card required for: Grocery,Fuel, Shopping

4. Existing credit cards if any: Citibank cash back

5. Looking at CC from: Maybank/ Hong Leong

6. Others: I just want cash back, for me that is the real reward

I am getting around rm 60~80 cashback monthly from Citibank. (1 primary & 1 supplementary) .
The problem is Citibank has started charging me annual fee ( usually always gets waived). So am unhappy and afraid they will also charge annual fee for their cashback (i think around rm2xx).

kindly recommend, thank you

Maybank Visa Signature and Public Bank Visa Signature.
Of course you can have cards like UOB One, HLB Wise, HLB MACH and Aeon Watami.

This post has been edited by fruitie: Jul 7 2015, 10:59 AM

thank you
Will check em out

is there any other card that is similar to HLB Essential where they provide x percent of unlimited cashback?

I affraid Currently now just HLB Essential only...

This post has been edited by fly126: Jul 7 2015, 05:39 PM

Hi CC experts. I am interested in maximising cashback and would appreciate your feedback.

Currently using HLB Wise VISA for general, Maybank2kard AMEX Platinum for weekend and SCB Just One MCARD for petrol. Spending between 5K to 10K a month and maxing out the cashback ($100 + $50 + $50) each month.

It seems like Public Bank Visa Signature is the next best thing for me to get now. Got any other suggestions what is the next best card with the highest cashback that I should apply for? No annual fee please - unless the cashback is super good.

Yea. As expected. Thanks. I guess I will apply this card then

MBB VS

MBB Visa Signature got RM50K minimum spending to get free Annual Fees. 5% Cashback only applies to petrol and groceries - but I already get 10% cashback on petrol from SCB Just One card. Not as good as PBB Visa Signature for my situation. Thanks for the suggestion.

MBB has tied up with many shops/retails/restaurants for the discount whenever you use MBB card to swipe.