CC indeed a good "tool" for smart consumer, spend less with its cashback feature and sometime discounts from merchant / bank...just spend within your limit, which you will be afford at the of the month.

decided to go for a CC, currently undecided between UOB One card and Maybankard 2 Card Gold

Go for MBB2Cards, 5%+5xTP weekend spending using AMEX, monthly expenditure up to RM1k

Yea but max RM50 cashback a month. Where as UOB is much much much higher cap.

That's why I'm undecided...

you can apply both cards.

UOB now got promotion, RM50 to waive the GST

wow this is a superb tool..

btw for the maybank.. the limit of RM50 is for overall right? and not individual category (ie. petrol, phone bills, etc)?

Yea UOB has the waiver... but i don't want to have both cards and not use either one...

If I get both ill have 3 cards ... I don't really want 3 extra cards in my wallet and only using one...

Also, the UOB annual fee is only waived upon a certain number of transactions.

unless I use the UOB for weekday and the maybank amex for weekends.

No, I mean I have done transaction with MBB Amex at BHP station before.

Yesterday used for UOB card

This is correct. Read the T&C or product statement closely and you will notice it says something like prompt minimum payments 12/12 months to get the Tier 1 (usually 15%) rate. Since you are new to the credit card, e.g. on the 3rd month, you can only meet maximum 3/12 months of prompt minimum payments, so how can you possibly qualify for Tier 1 rate?

it can be system error for amex on that day.

u can still use the amex card on weekdays to get 5x points

Public Bank Launched PB Visa Signature Credit Card

http://www.pbebank.com/corporate/cnt_press393.html

Any early birds?

have you checked this thread?
https://forum.lowyat.net/topic/3219080

Thanks sifu...

hi there,

i've been reading the threads and i've some basic info on the CC but i am can't figure(pricing comparison idiot) if which combination is better against my current CC.
please recommend if you will

Currently i'm holding CIMB direct access mastercard with RM16000 limit(no cashback only accumulate points, no AF), and normal alliance visa card(blue color, cashback and bonus point, got this because it comes with application of my housing loan, RM7000 limiit only, 12x swipes waiver for AF).

for CIMB CC, i used it as auto payment for my insurance and other installments...usually only RM200-500 per month), if there is some bigger amount purchase i will also use this because it has a higher purchase limit.

for alliance CC, i use it for petrol and online shopping plus other this and that because it has cashback...

i'm not a big CC user, usually my cards combined about RM1k-2k per month, with occasionally over RM3k(if any big purchase or traveling).

so currently with RM45k per annum income: should i consider:

1. maybankard - that comes with amex and master/visa
2. hongleong - that one with 10% rebate with selected categories

or any other better valued CC as per my usage pattern?

i'll cancel my existing cards if the above are better valued.

please recommend. thanks.

it would be best if you could get both but if you just need one perhaps you can check which suits your lifestyle more, another you could consider is aeon watami

you mean getting both hong leong + maybankard(2 cards) are better than the two that i currently having, correct?

i'm more swiping more on groceries, petrol, insurance and some online buying/intallment....

if getting both mean i wil have 3 government fee to pay right per year unless it can be waived = RM150.

for maybank 2 cards, you only need to pay one RM50 GST

yes it's just 2 service tax you need to pay but with 5x points for amex you just need to spend RM2000 a year to redeem back the RM50. As for hong leong the first year will be waived