[Hi,

If I wish to apply credit card for monthly petrol RM100 only , shopping estimate RM50 only, e-commerce with hotel booking and e-ticket (overseas), and travelling may be once a year.... which card is suitable for me?

my salary < RM 40k.

Is it ok if I use Maybank 2 card (amex n mastercard) n combine CIMB cash rebate gold card?

Amex = use weekend on petrol and shopping.

Weekday = use CIMB ...

Travel use either CIMB or Maybank master card or maybank debit card.......(transaction charges = 1% ) , Amex 2.5% so better don't use right.....

Hotel & airline booking use CIMB /mastercard??

Example if I need to pay RM3000 permonth for online transaction.

a)If use Amex pay all Rm3000, cash rebate =RM50, rewards points = 15000,right?


b)If book hotel use Amex pay RM2000, cash rebate = RM50,rewards points = 10000
Then use CIMB CC (mastercard) pay RM1000, cash rebate = RM30,no rewards points??

Actually I am newbie to cc, is CIMB CC 5% cashback only apply to weekend? If e-commerce also apply to weekend ,then at least more optional.

Thanks

hi,
so,actually i was thinkg to apply both mbb n cimb .(free annual frees)
n now cimb apply online can get rm150 rebate.after minus Gst still hv rm100.

btw, if the min payment per month stated is rm50. is it mean if i only have outstanding Credit <rm50.00. then i cannot clear my credit balance until accum credit till > rm50.00.
then,they wil charge interest?
thks

Hi,

So, example, if I get statement date on 30th Sep. I need to pay by latest 20th Oct , in order to get free interest.

And,
a)For MBB 2 gold
>Minimum monthly paymentRM25 or 5% of outstanding amount

--> as long as I make transaction > RM 25 per month, and pay within 20days from statement date, I should be free interest and can use online Maybank2U to pay.

And MBB can used treat points to offset GST = rm100 per year.

which means for light user CC (just for petrol and light shopping) , still no win or lose.



b) For CIMB cash rebate gold card

Minimum monthly payment =RM50

---> so, I have to make transaction > rm 50 per month, in order to get interest free.

And, I have to spend at least RM1000 per year for online purchase (in order to offset GST RM50/year)

Thks

Hi,
ok. Tks

Hi,

OK. noted. thks a lot