Given the amount of 10k a month, which is huge, you can try aeon watami 3%, but only minimum 3k spend per QUARTER, rebate up to RM150 which means up to RM5k spending per quarter. (which is still far from what you spend.

Else you can go for HLB Essential or OCBC Great Eastern. UNLIMITED 1% cash rebate. More straightforward.

If by local pharmacy you mean, Watson, Guardian, Caring, Citibank Cash Rebate/UOB One gives 2% rebate, uncapped.

Thanks

If u holding hong leong bank credit card, just apply for another 2 supplement card. Spend Rm1,800 witihin 60 days get rewarded with a cabin bag. But promotion end on 15 march

anybody using Diners Club credit or charge card? seem like DC is not popular in Malaysia

Some of the credit card offer annual fees waiver with minimum swipes, but does online transaction count as "swipe"?

Apologies if this question sound redundant, never used any card before so please enlighten, thanks in advance

yes, online transaction counted as swipe too.

guys, how much can you request to increase on your credit limit if monthly gross 5k? for Maybank.

how much ur current limit now? 15k?

Is your pharmacy located within a supermarket, i.e. Caring in Tesco, etc?
if so, you can try Maybank Visa Signature, it gives you up to RM88 cash rebate every month.

Annual fee and the RM50 GST charge are two different things. After 1st April, there is no longer RM50 GST charge. 6% GST will be imposed on the annual fee but since your card is free for life, there will be no charge imposed.

Hi all,

I am looking to apply for a new credit card, HLB Wise card but I already have an existing credit card from UOB. Should I cancel the existing card to increase my chances ?

not necessary. unless you have low annual income with high commitment.

Only can use in caring pharmacy within supermarket? How many % off? My pharmacy is a small shop in Penang but their price is normally cheaper than big chain pharmacies. I guess there's no any card available for small pharmacy store right?

because if the pharmacy is parked under 'grocery', then your card will earn you cash back, i.e. AMEX Card 2, or other cards that offers cashback with grocery.

unless the small pharmacy you mentioned accepts amex 5%+5xtp, otherwise, your other choices may be aeon watami for 3% or ocbc ge 1% or hlb essential 1%.

for him to buy 10K per month pharmacy goods, I am assuming he is eligible for MBB Visa Signature, that offers 5% cashback for groceries, up to RM88 per month cap.

it's pharmacy not grocery lol... there are many cc for grocery but not for pharmacy.

ah! that's too bad.

Perhaps HLB Wise? But need to make sure the MCC code falls under Pharmacy category.

question

salary 100k per anum
ctos clean
ccris clean
1 secured card with pbb (pledge fd for it) 0 balance

what are chances of securing another cc unsecured ?
where can i get one approved quick ?
any advice much appreciated