if you spend a lot on petrol and can fulfill the requirements of HLB Wise Card (10 transactions of min RM50), it does give you more rebates (10%).

but with mbb2card, well it's 5% on EVERYTHING on WEEKENDS only. really depends on your spending pattern.

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'.

Maybe not one credit card. But combination of mbb2card and citibank cash back plat should do it. Mbb2card only weekends... Then weekdays you can use citibank. Please take note of t&c of the cards.

Also maybank visa signature but you didnt mention your income but the two above should do it for 1k.

Or only mbb2card but you can only pump during weekends and not all petrol station accepts amex

This post has been edited by adele123: Sep 25 2014, 08:47 AM

eh, i forgot wise card cause i always thought the requirements are annoying. but 1k is a huge a mount. you can simply swipe 10 times > RM50 every month.

Note citibank shell is restrictive. you need to spend on other things as well. effective rate of cash back is actually not that high.

so you can consider
1) wise card
2) maybe a 2nd like mbb2card or citibank cash back plat.

edit: i didn't recommend uob one because since not too long ago, uob one has this pool limit on petrol cash back. alot of forum-mers complaining in uob thread not getting cashback. so, it's NOT GUARANTEED cash back anymore.

This post has been edited by adele123: Sep 25 2014, 09:01 AM

based on response on wise card thread, no annual fee waiver. but use first la, when 2 months (not 1 month because the rebate calculated is based on previous month) before anniversary then you consider whether you want to renew. DO NOT take wise platinum or you will pay more annual fee for no reason.

even taking into account the annual fee, effective cash back from HLB wise card is still the highest. (1200-160)/12000=8.67% (assuming you spend RM1000 per month and RM100 Cash Back Per month)

remember t&c for wise card. RM50 x 10 transactions per CALENDAR month. check wise thread for other info.

MBB2Card (though min income requirement is 30k, B1 F1 Thursday TGV, RM10 before 6pm TGV)
CIMB Cash Back Gold (petrol 2% guaranteed, GSC discounts and RM10 tix too) vs UOB one card (petrol 5% not guaranteed)
Citibank Clear Card (B1 F1 Friday GSC, TGV, Cathay. RM10 before 6, Sat, Sun, Pub Hols)


This post has been edited by adele123: Sep 25 2014, 10:12 AM

Mbb2card? I use amex at watson/guardian. If you are referring to these type of pharmacy.

Wise card if you can fulfill the t&c. Wise card has pharmacy category too.

My logic is... Aug rebate will be reflected on sept 28. then september you won't use it fully, just use it to use up august rebate. so i was thinking 2months before, should be last month of full usage.

This post has been edited by adele123: Sep 25 2014, 08:56 PM

Hlb wise card. Like i mentioned. But must fulfill wise card t&c.

MBB2Card for Petrol and Utilities.

For 0% instalment plans... instead of JUST getting the cards that are tied to merchants, one can make use of 0% Balance transfer

balance transfer

and also cards like this:

ocbc silver mastercard

or just apply from 2 banks?

uob vox?

mbb2card?

cimb cash rebate? (but got crossborder transaction fee but there's RM150 sign up bonus now. minus of GST you still have RM100)


This post has been edited by adele123: Sep 30 2014, 05:39 PM

maybank new cc app

you can check out the mbb2card thread.

Actually, mostly never check with the signature at the back of the card. If you want to let your partner use, just sign only. I mean, it's not exactly 'right, but sometimes, the actual person cant be present and the card gives the most benefit...

Yes, i've done it before. Many times, when i have to.

Just a thought, why not consider maybank ikhwan mastercard instead? In terms of benefit it is better than the amex version, plus mc is more widely accepted.

Or hsbc amanah mpower? Or both(one maybank whether amex or master, one hsbc). At least you get your petrol rebate instead of just points.

MBB2Card
OCBC Mastercard (Silver)

If Maybank rejects you (min income issue), UOB one card.

HL Wise, Citibank Cash Back/Uob One card, Aeon watami

This post has been edited by adele123: Nov 7 2014, 05:14 PM

for some (if not most/all) of the bills you have listed, you can just do your payment during weekends via M2U using your MBB2Card. you should check out the info on MBB2Card thread.

On top of the other 3 mentioned, there’s also aeon watami.

MBB2Card

then maybe UOB One Card. if you can fulfill the spending requirements, HLB Wise.

OR… You can apply, get the RM300 petrol voucher from ringgitplus, and then… use the card few times… and stop using it. The main purpose being the voucher, not the credit card. If the main purpose is the credit card, then… this one is not the one.

Suggest ocbc titanium... Oh wait not open for application now... Ocbc great eastern... Also unlimited 1% on all transaction.

There's also hlb essential. 1% unlimited except petrol

actually... 1st year waived, can cancel before 2nd anniversary...

i think the best choice is maybank2card but... you don't want it.

Alternatively,
cimb cash rebate, no annual fee. with rebate for online, grocery, petrol but at 5% 2% 2%

This post has been edited by adele123: Dec 2 2014, 03:28 PM