counting in the 0.2% is too complicated.
in summary to maximize the just one plat cash back
Spend 12 / 0.05 = RM240 in Petrol, eCommerce & Auto bill, spend 760+ in others for 1.2% ~ 0.8%
Spend 28 / 0.1 = RM280 in Petrol, eCommerce & Auto bill, spend 1220+ in others for 1.86% ~ 1.12%
spend 85/0.15 = RM567 in Petrol, eCommerce & Auto bill, spend 1933+ in others for 3.4% ~ 0%
1,000 to 1,499.99 -> 12/1000 ~ 12/1499.99 = 1.2% ~ 0.8%
1,500 to 2,499.99 -> 28/1500 ~ 28/2499.99 = 1.86% ~ 1.12%
Above 2,500 -> 85/2500 ~ 85/∞ = 3.4% ~ 0%
HLB Wise seems to have better effective rate but no rebate if spend rm2000 lower, just one plat got rebate even spend below RM2500
1)May I ask if spend total RM2500 on purchasing air ticket online and Agoda can entitle for the full RM85 CB?
2)If can't spend RM2500 monthly,but once in a while will have "others" spending around RM1933,anyway to deal with the auto bill debit part?