1. Annual Income: RM100K to RM150K .

2. Free Lifetime Annual Fee: No .

3. Card required for: List all your needs. Cash Back/Rebate for dinner and insurance and/or Free LCCT Lounge Access

4. Existing credit cards if any: MBB 2 cards, ocbc titanium .

5. Looking at CC from: none

6. Others: i dont mind applying for 2 cards for the captioned benefits

pbb vs 6%
aeon watami 3%

i check there is no first year fee waiver...

Usually first year is waived for cards that have AF.

This post has been edited by fruitie: Jul 9 2015, 01:16 PM

Should i replace UOB One with CIMB Cash Back Gold? In view of there is AF applies for UOB One 3rd year and onwards.

This post has been edited by DT8: Jul 9 2015, 07:39 PM

after utilizing uob one for 2 years, maybe you should. perhaps something better will be out there in 2 years time

1. Annual Income: RM45K

2. Free Lifetime Annual Fee: Not important

3. Card required for: cash back / rebate for online payment for utilities, dining and petrol

4. Existing credit cards if any: M2C

5. Looking at CC from: HLB - Wise Card

6. Others: N/A

This post has been edited by tzxsean: Jul 9 2015, 11:16 PM

Bro, the HLB Wise is only applicable for 2 categories only. So better select wisely. And you need to swipe minimum 10 times where each swipe must not be less than RM50 (any category or outside the listed categories) in order to get cash back for the category selected. The HLB wise can be really good and one can earn up to 7.5% cash back after deducting the annual fee. However, sad to say that it was reported at HLB Wise Thread that HLB no longer issues the Classic Wise card but only the Platinum Wise. So I am not sure if they have lowered down the annual income requirement for the Platinum Wise card.

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