i think you can just apply for aeon watami as it suits your spending pattern more. 3% rebate for all your expenses except for petrol.

3% also applies to insurance?
my main CC usage is on petrol, groceries and insurance....

Yes, it is applicable for insurance BUT not for petrol. Click here to my article AEON Watami - Hybrid Credit Card that Earns You 3% Cash Back and Reward Points.

Seriously, if you can pump petrol and do your groceries on Saturday and Sunday, best you go get Maybankard 2 Cards where you will earn a total 7% cash back equivalent every month. Click here to my article The Best Cash Back credit Card Combination and I will show you which card is best for those spending less than RM1K/month to up to RM7K/month.

TO ALL:

Recently I published two articles:

If you are looking for cash back credit card and earning RM100K/year, click here and read my article Public Bank Visa Signature - another Fantastic Cash Back credit card.

I also updated my article on Balance Transfer showing current 0% and different types of BT Plans, click here to my article The Best Balance Transfer Plans 2014.

This post has been edited by Gen-X: May 16 2014, 10:48 AM

i usually spend about RM1k for my CC,some time less sometime more...

however, about RM350/month is for 2 different insurance premium.

since insurance can't use amex(i read from some posts),
maybe i can combined aeon watami to auto charge the premium and some weekdays dining to aeon watami, and the rest(petrol, groceries, dining etc) use maybank amex card mostly for the weekend 5%....

hence, the above could be my best choice?

thanks for very helpful insights everyone

sounds like a good plan. very similar to my set up

Finally applied (again) for credit cards. This time I lowered my expectation and just went for Citi Clear Card and Maybank 2 Gold. Hopefully now either will come to fruition.

hi, i would buy my first car soon. I want to apply for credit card just for fill in petrol (due to no cash or etc). Which cc will u suggest to me? and easy to pay back. Points/reward or cash back is better? my gross is rm3.7k, nett 3.3k per month

MBB2Cards will suit you best!

Can explain why? It is points or cash back?

You earn both points and cash back. Click here to read my review of the Maybankard 2 Cards.

Go to Petrol Thread and you will know if you combine the Maybank 2 Cards AMEX with Petron (previously Mobil/ESSO), you will earn up to 8.5% in cash back!!!

Thank you for your advice...i take the card just for buy the 1.3K phone, i think nobody will use 1.3K CASH to make the direct payment unless they rich enough. Instead of using 0% monthly payment installment plan which default offer by phone shop, i choose to clear the 1.3K balance in 5 months and plus the benefit of new card application cash rebate, in the end i clear the balance faster than installment plan and the extra charged amount not more than it. I know the risk of bill snowball, that why i keep tracking the outstanding balance and interest rate they charge to me.

after swipe for the installment plan, keep the card in the drawer and need not to care about the interest rate

so u suggest to me to apply for mbb2 american express or mstercard/visa?

When you apply for MBB2, you will get 2 cards. One is American Express, the other is a choice of Mastercard or Visa. Bear in mind, you will only get 5 % cashback on weekend only on your AMEX card ! So it is best you fill up full tank on weekend and do so every week . If not, you will only get Treatspoint with a value of 2% of your transaction only. BTW, keep the Master/Visa in your drawer, the benefit is poor.

All sifu, i got some questions on my citibank credit card bill.

1. what is the meaning of late charge fee of RM10 they charged on me?

2. What is the meaning of finance charges on my bill?

Thank you.

1. Late charge fee or late payment charge is a fee you have to pay if you do not pay your minimum on/ before the due date.

2. Finance charge is the interest the bank charge you for any balance you carry forward on your card account.

can I pay my car installment using amex? which one should i choose between mstercard and visa?

Nope...
You Can't Used Credit Card on Bank Loan or Car Loan Related Payment

Thanks!!

Hi guys, any advised time to call CIMB CS for CC related inquiry? Tried to call many times today but been put on hold.

CIMB sending me my newly applied CC, so far received all the related document like pin number, introduction etc but the mail with the card is yet to arrive.

Thx