Thanks sifu for the recommendation,will go search for the detail ltr~

Make sure amway accepts AMEX. .

from what i know, amway only accept visa/master

Yes u r right..i will look for a visa master which have cash back on purchase~

aeon watami (visa) 3% quarterly rebate capped at rm150 on any purchase except petrol.

OCBC Titanium 1% cash back

1. Annual Income: 66k

2. Free Lifetime Annual Fee: Yes and No (depend on estimate total annual saving)

3. Card required for: (monthly basis) (all this expenses occurred on weekend)
Fuel pump Shell RM1xx
Grocery in Aeon/Giant/Tesco: RM3xx
Entertainment like Cinema TGV: RM1xx
Buy apparel in Mall: RM1xx
Insurance MC Prudential: RM2xx
TM Unifi: RM150
TM Streamyx: RM88
Sesco (sarawak electric bill): RM2xx
Reload Umobile online: RM28

Total expenses estimate around RM1.5k

4. Existing credit cards if any: Nil

5. Looking at CC from: Any

6. Others: I have existing expenses that occurred monthly, I want to find a CC that provide highest rewards (either cash back or points) in % of monetary value.

This post has been edited by David900924: May 24 2014, 05:19 PM

MBB2Cards will suit you best for the first RM1000, next RM500 a little bit tricky...LOL


This post has been edited by Petro-Canada: May 24 2014, 07:10 PM

if possible, get cards from 2 different banks: HLB Wise and Maybank2Card.

best is HLB Wise Gold (10% on 3 categories, any days, monthly max cap RM100), you can use them on your expensese highlighted BLUE above. Just split the swipe/purchase to RM50 each and you hit 10 times of RM50 transaction to "activate" the cashback. Those highlighted above may already hit 10 times.

HLB Wise tricky to manage since it's MCC dependent, but once adjusted your spending behavior/location, it'll be all right.

next seconday card is Maybank2Cards Gold/Platinum (5% weekends, monthly max cap RM50) for those highlighted ORANGE. swipe TGV over-the-counter (amex), subjective to your type of apparel purchase but H&M (selected outlet)/Uniqlo accepts Amex. Unifi/Streamyx via M2U (charge to Amex card when pay bill). Shell/Aeon/Giant/Tesco all accept amex. buy voucher at umobile counters @ Sunway Pyramid/BTS or reload pin @ Tesco using Maybank2card Amex.

Amex 5% weekend cashback is simpler to manage, as long as amex is accepted, you'll get the cashback.

umobile reload, can get better cashback if use HLB Wise, next is Amex. SESCO/prudential insurance, not sure. someone reported SESCO payment doesnt accept amex.

you can also maximize HLB Wise at Tesco to buy prepaid reload (if you didnt choose Grocery category) and pharmacy @ Caring. read this thru


just general suggestion. do study each card's benefits and T&Cs to be eligible for the cashback, and also some suggested transaction cutoff (e.g. HLB Wise at 26th since some posting may be few days late. if you ngam-ngam hit 10x, you'll lose the cashback if 1 last transaction posted to next month)

This post has been edited by cybpsych: May 24 2014, 07:25 PM

Thanks for the write up, i will do some homework to see if it is worth to get 2 CC since I have to pay annual fee + GST for HLB. RM150+50 rite? BTW for SESCO and Prudential, I always made payment via M2U. but too bad they don't include Majlis Perbandaran Sibu and Majlis Bandaraya Kuching Selatan.

HLB Wise Gold's annual fee = RM160. waive condition is subjective, so just assume you had to pay it.

if you can consistently getting cashback every month, you've covered the AF in 2 months time. the rest of the year, 10 months free for you to reap the cashback benefits.

need more work, spending arrangement and behavior, but the benefits are worth it. no easy money, but it's there

even with maybank2card amex, there is no limit on spending category but still need to "hunt down" your frequently-used merchants whether they accept amex at all based on majority of your bulk spending (groceries and petrol), you're safe


there is another card with slightly lesser cashback % is Aeon Watami Visa card. 3% cashback per quarter spending. Just need a min accumulated RM3k spending in the quarter, and you'll get 3% cashback. since it's capped at RM150 per quarter, max recommended spending is RM5k (3% of 5K = RM150).

you're already spending on average RM1.5k per month (~RM4.5k per quarter with ~RM135 cashback). Though lower cashback %, it's easier to manage with this card first. There are some rebates during signup and annual fee waiver is pretty straightward (1st year free, 12 time swipe per year for subsequent years' waiver) <-- this is a good card to start with.

This post has been edited by cybpsych: May 24 2014, 10:22 PM

Hi guys, need help here from sifu around here on the best cc for me. I am sole proprietor that open up a restaurant.

1. Annual Income: >RM80k-RM100K

2. Free Lifetime Annual Fee: Preferable yes

3. Card required for: Need to use it to buy equipment, raw material to be used in restaurant: per transaction:> RM500.00/week. Fuel, bill. Its is good if can have 0%installment scheme.

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

6. Others: Any idea of separate card (preferable from the same bank, easy to make payment), that can use to differ from business and personal purchase. Any good free supp card?. Not really keen into golf stuff, but sometimes do travel to oversea.

I live near Aeon Tebrau Johor. great suggestion. but can it use online like maybank2u? to pay utlities. I will like aeon since Amex is a headache coz not all retailers accept it.

1. Annual Income:RM36K to RM60K

2. Free Lifetime Annual Fee: must

3. Card required for: Cash Back

4. Existing credit cards if any: Maybank2kard

5. Looking at CC from: preferable banks which are recognized in overseas?

6. Others: I am using maybank 2 card, but recently kinda get frustrated over the fact the cashback only available on weekend, and many people aren't accepting amex

Looking to switch to other cc for better cash back opportunity.

This post has been edited by akira de aimbuster: May 25 2014, 10:26 PM

go for aeon watami at places doesn't accept amex but take note for the 3% quarterly cash back u need to spend min 3k in 3 months

1. HLB Wise - 10% rebate for grocery capped at RM100

2. Maybank2Kard - The Amex entitle you for 5% rebate on any transactions on weekend

3. AEON Watami - 3% rebate every quarter (3 months), minimum spending 3k in a quarter, max 5k as rebate capped at RM150/quarter

Thank you for your advice, but it is very likely for me to spend under 3k in 3 months

can go for OCBC Titanium or HL Essential with 1% cashback

Hi sifus, newbie here looking for a simple credit card.

1. Annual Income: 60k - 100k

2. Free Lifetime Annual Fee: Preferable yes

3. Card required for: Petrol, online purchase, food...

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

6. Others: My main bank is CIMB so dunno if it'll be easier to pay back using CIMB.

I) Maybank 2Cards (Currently the BEST Card U can have Now)
It's FREE for Life NO Annual Fee with a Treat Point (Basis) on 3 Years Lifespan Period
*The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, & 1 statement.
*Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.
*5x Treats-Points for every Ringgit spent on Maybankard 2 American Express Card and 1x Treats Point on Maybankard 2 Card.
* 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Card member) per month
+ Used the Treats Point to Offset Yearly GST or Enrich Air Miles Redemption... Although the Treats Point come with 3 Years Expiration Period
https://forum.lowyat.net/topic/3140027

II) CIMB Cash Rebate Platinum MasterCard (Free 4 Life)
*5% Cash Rebate on e-Commerce spend
*10% unlimited Cash Rebate on retail interest charged
*2% Cash Rebate on Groceries and Petrol
*2% Cash Rebate on Mobile & Utility Bill Payments (via Standing Instruction)
*0.2% unlimited Cash Rebate on other retail spend
http://www.cimbbank.com.my/creditcard/atta...mber%202014.pdf

This post has been edited by fly126: May 27 2014, 05:27 PM