From the thread i read it seems wise card not good to pay utilities, so my plan for MBB amex is to use it for weekend petrol and maybe my TNB bills.  Question is how to pay TNB on weekend with MBB amex?

For wise card i plan to take mobile + dining + either grocery or dept.  You mention something bout buy aeon voucher to qualify for 10% cash back.  Is that under dept or grocery option?  I very much like that, I like to buy metrojaya/isetan and parkson voucher too.  But grocery i usually shop at either jusco or big c at mid valley, or NSK at kuchai lama or my neighbourhood market Sri Kota mart.  I work in KLCC, so very close to maxis tower.  You mention about paying all maxis bills at the kiosk is best way?  Since i have like close to RM300 for maxis (150 handphone and 150 home fibre), so i can make like 6x payments of RM50 at the maxis kiosk every month?  The online easypay is not qualified for home fibre rebate right? So kiosk is the way to go?

Why not much ppl choose dining for wise card? I go pub a lot, sometimes dine around restaurant in KLCC for lunch.  I suppose that is best category for me.  Is there only specific restaurants that qualify?  Does pub qualify?  Hope you can help shed some light.

Last but not least, should i go for wise gold or platinum?  What difference?

since ocbc no more 5% rebate.. i am planning to get another card to replace it.. any recommendation?

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Bill Payment, Cash Back/Rebate, dinning

4. Existing credit cards if any: ocbc titanum, scb platinum, citibank platinum

5. Looking at CC from: maybank2cards, uob one

6. Others: Dining, Movie

I have a huge sum of utilities bill to pay.. major sum goes to mbb amex, was wonder is there any better option?

1. Annual Income: 100k

2. Free Lifetime Annual Fee: No

3. Card required for: Prefer good cash rebate than mbb amex 5x tp.

4. Existing credit cards if any: OCBC (Maxed out)(Going to stop soon). HLB Wise (Maxed out). UOB One (Petrol, Maxed out). MBB2AMEX on Utilities

5. Looking at CC from: Missed out RHB Visa Signature which give 5% unlimited for online transaction

6. Others: Recommendation pls

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Not necessary but best if got

3. Card required for: Cash back for petrol and dining on weekdays

4. Existing credit cards if any: Maybank2kad, OCBC Titanium, Standard Chartered Business Visa Gold, Standard Chartered MasterCard Gold, Citibank Rewards Platinum, Citibank Clear

5. Looking at CC from:

6. Others: Basically I'm looking for the alternative for OCBC Titanium

Basic salary Rm 2700 + Rm 800 unfixed allowance, after deduct all net pay Rm 2 800

Just use for petrol, what is the best credit card should apply ?

But you need to mention the spending cap for petrol category on UOB ONE Classic/Platinum.

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: if got

3. Card required for: Bill Payment, Online transaction, petrol

4. Existing credit cards if any: RHB Travel Money , UOB One( just cancel due to annual fees cant waived ) restrusture Outstanding payment.

5. Looking at CC from: MBB,Citi,CIMB or u recommend but no HLB

6. Others:

for my income i only can hold 2 cards. so means i have to settle my UOB outstanding first for CCRISS to clear this account or i can start apply for second card now?

4 years ago, I learned a lot from this forum, and was happy with my combination of credit cards. Until the OCBC Titanium changing to 1% unlimited. I am now thinking to plan again the use of credit cards.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (Mobil/Esso/Petron):~RM450, Maxis bill:RM150, dining:~RM200-400, groceries, utilities bill

4. Existing credit cards:
(1) OCBC Titanium for dining, groceries, and utilities bill,
(2) UOB One for petrol,
(3) Standard Chartered Visa Gold for any expenses if OCBC and UOB exceed the monthly cash back cap,
(4) CitiBank AirAsia for TGV

5. Looking at CC from: MayBank 2 Card, HLB MACH, or other suggestion to replace my current OCBC Titanium

6. Others: It's been some time that I have not study about credit cards. I think I need to revise it.

any credit card agent here? my boss wants to apply the card.

1. Annual Income: 30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: cash back or good reward points on groceries, bills, or pettrol.

4. Existing credit cards if any: Citibank Clear

5. Looking at CC from: Any with better rebate
Thank you!

1. Annual Income: 80K

2. Free Lifetime Annual Fee: A Must!

3. Card required for: Emergency cases, or maybe when i have one will use strictly for petrol (so i guess need card that offer petrol CB).

4. Existing credit cards if any: None

5. Looking at CC from: Any with that suit me. For now im doing everything by cash, and if payment need via card, i use my MBB debit card.

thanks..! seems 1 is good since no annual fee, but not sure bout 2.. i'll pass 3 and 4..

1. Annual Income: 31K

2. Free Lifetime Annual Fee: Must have or waive-able

3. Card required for: Groceries, Dining, Shopping, Movies, Petrol (in priority order)

4. Existing credit cards if any: None

5. Looking at CC from: Maybank and Citibank

Still jumping around these 2 company. Would like to have an in depth comparison. Cash back, reward point and offers when going shopping and dining.

wow, thank you for such a detailed reply. So factoring in all the benefits, MB2K would be better? I've looked around the Internet and most are stating MB2K to be the best choice. But my colleagues however suggest that citibank is better with their promotions and offers, keeping me right at the fence at the moment. Thank you again for your time and insight.

What's the best general use supplementary card? Since Maybank2 card's RM50 weekend rebate is shared with principle.

OCBC Ti no longer applies. I believe UOB also shared right? Thoughts?

Any credit card got cashback for paying insurance premium, home loan, or car loan one or not? haha seems like can be a new attraction to ppl.

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM 30 - 36 k

2. Free Lifetime Annual Fee: Yes. If possible.

3. Card required for: Petrol, Telco, Dinning, Insurance (Prefer: Cashback)
4. Existing credit cards if any: OCBC-TMC

5. Looking at CC from: Any

6. Others: Preferable cash back almost same with OCBC-TMC

My monthly usage approximately RM500-1000 range depends.

Most of the usage on petrol roughly RM200-300. Telco RM 200. Dining Rm50-100 (Sometimes don't have)
Insurance RM130 per month and another is annually RM2700.

Need a replacement roughly.. Going cancel my TMC soon due to 1%     

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Either Yes or No

3. Card required for: Movie and Petrol

4. Existing credit cards if any: Nil.

5. Looking at CC from: HLB CC but not sure which 1 is better .

6. Others: Please be specific. Example: Failed few time and wanna try again c can pass or not =( i am in 24k annual but still failed but now i got car loan on MayBank .

Victorywp

TGV ah ? I hope can be GSC since I go TGV or MBO most of all movie . only very2 few in my life going MBO and TGV . Any more suggestion ? Thank for reply .