I just published my article titled Credit Card Effective Cash Back Rate. In this article I compared the Maximum Effective Cash Back Rate you can earn with the Maybankard 2 AMEX versus OCBC Titanium MasterCard versus Hong Leong Bank Wise Visa. Plus also if you are thinking of getting the CIMB Cash Rebate Platinum credit card to earn 5% cash back from online transactions, you won't want to miss this article.


In order to optimize the returns from our credit cards usage, we have to use the right card at the right place and time. There are so many credit cards out there, and if you are clueless, check out my articles below and maybe you can earn yourself some pocket money.

New 2013 Credit Cards - credit card review of the CIMB Cash Rebate Back Platinum, Citibank Prestige MasterCard World Elite, Citibank PremierMiles AMEX, Hong Leong Bank Wise Cash Back, RHB Visa Signature and versus the Standard Chartered Bank WorldMiles MasterCard.

If you are new to credit cards, Click here to my Credit Card Tutorial Page. After finishing this FREE tuition, you'll be an expert on credit cards and you might end up collecting cards like me (click here to see my card collection) to optimize our returns

Hotel Online Room Booking with Credit Cards - some of our credit cards offer discount when we use them to book hotel online via 3rd party sites. But is the discount really good? This article will show you that you need to always compare the prices at check out and not at the front page.

Maybank Visa Infinite - The Best Credit Card for Overseas?

Maybank 2 Cards Premier(American Express Reserve and Visa Infinite Combo) - Comprehensive Review

Click here to read my article titled - The Best Credit Card in Malaysia - Is There Really One?

For your own good, you must click here to read my article on Credit Card Fraudulent Charges and SMS Alert AND click here to Suspicious Telephone Calls on CC matters Thread.

To read my review of the Maybankard 2 Cards, click here. The Maybankard 2 AMEX rewards you UNLIMITED 5X Treats Points everyday PLUS 5% cash back on Saturdays and Sundays. You can get this MBB 2 Card within 2 hours if you go apply at Maybankard Centre at 1U (New Wing), Gardens (near Robinsons) and KLCC (Lower Ground). Please note not Maybank branch. And the most complete guide to Maybankard 2 Cards is right here in LYN - click here to Maybankard 2 Cards Thread and read page#1.

And if you want to convert your credit card's reward points to Enrich Miles, click here to read my article My Son Is Going to The USA Again on Business Class. With credit cards offering 5X points, we can earn Enrich Miles faster. But more importantly, what is the conversion rate of our reward points to Enrich Miles. And in this article I will show you for local usage it is the Maybankard 2 Cards Gold and Platinum and for overseas MBB Visa Infinite rate is one of the best in town.

Click here to me article titled The Best Cash Back Credit Card Combination where I will show you how to optimize cash back returns for increments of RM500 spending a month.

And click here to read my review of the Maybank Islamic MasterCard Ikhwan Credit Card which is FREE FOR LIFE and gives you 5% csah back for petrol.

And to see my list of The Best Top 10 Credit Card in Malaysia 2015 - click here to my Credit Cards Ultimate Showdown 2015

This post has been edited by Gen-X: Nov 6 2014, 01:40 PM

And this is the one issued to the Main Character in my upcoming action thriller article to be published in couple days time



P.s. fruitie if you want me to delete the above photoshop image please let me know as I took the liberty to go modify it without your permission.

This post has been edited by Gen-X: Oct 21 2013, 01:06 AM

I'm pleased to present my article titled China Mission Armed with Debit Cards for Cash Withdrawals (click here).



If you regulars here find the characters familiar, well, it is no coincidence and no prizes as to who they are

The article is about debit cards linked to Savings Accounts to enable us to withdraw cash from overseas ATMs. The format adopted for this article is similar to my favorite TV series 24 Hours; and it is freaking long. So if you don't have the time to waste, just read the Conclusion (can even skip the Introduction).

P.s. for actual accounts of the story, it can be obtained at this link >>>> https://forum.lowyat.net/topic/596980/+40

MilesAndMore, what you think of the contents, accurate? Or you just headed to the conclusion too hahaha. Interesting that zenquix mentioned that 2015 we need PIN to use our cards, that's one a big headache for me as I don't have or forgotten the PINs for my credit cards.

Looking for a card with following features?

1. You spend your money overseas (online or in person) and want 5X reward points.
2. You want the Priority Pass Membership Card for FREE entries to Airport Lounge.
3. You are into Enrich Miles for FREE Malaysia Airlines ticket.
4. Free For Life or with Auto Annual Fee Waiver mechanism.

Well, I just published an article comparing Alliance Visa Infinite, MBB VI and UOB VI. However before you read my article please be warned it is a freaking long winded article.

Visa Infinite - Alliance vs Maybank v UOB

I am pleased to announced that I have published my third Credit Card Ultimate Showdown - The Best Top 10 Credit Cards in Malaysia 2014.

In view that Maybank Treats Points now have validity period of 3 years like most banks, I have included a new category for my evaluation, i.e. timeless evergreen reward points.

Another new category is for Enrich Miles where we get "FREE" Malaysia Airlines ticket (excluding surcharges and taxes) from our credit card usage.

A total of 22 credit cards were evaluated and reviewed plus one special evaluation in the conclusion.

Please click on the link below to find out the TOP TEN CREDIT CARD in Malaysia for 2014:
The Best Top 10 Credit Card - Ultimate Showdown 2014

I had 7 cards in my Top 10 2011 & 2012 list. Now I only have the 4 cards in the 2012 list (could have 1 more but terminated the HLB VS). So yes, the list is getting more exclusive for me too And luckily for me too that I have the TOP 3 No.1 cards, hahaha.

This post has been edited by Gen-X: Oct 29 2013, 03:32 AM

Previously in my article My Son Is Going to The USA Again on Business Class, I have shown that we get equivalent cash back up to 19.19% and 12.33% when we redeem Malaysia Airline Business Class ticket using the Enrich Miles converted from the Treats Points earned with the Maybank Visa Infinite and Maybankard 2 Cards respectively.

MAS is currently have a promo and so is Enrich Miles offering 50% discount until 8th December 2013. With the Enrich Miles 50% discount, the equivalent "cash back" we earn from using the Maybank Visa Infinite and Maybankard 2 Cards increases to 30.88% and % respectively. To learn more about how to maximize utilizing your credit cards Rewards Points, click on the link below:

Enrich Miles Sale Is Fantastic With Maybank Visa Infinite.

MilesAndMore - check out my new Citibank Australia Platinum Credit Card



The annual fee of AUD199 will be waived as long as I have CitiGold status.

To read in detail how I got "lucky" getting the Citibank Oz Platinum credit card, click here to read my article Citibank CitiGold Debit Card and FREE Platinum Credit Card and Term Deposit Promo, at my Melbourne Victoria Australia blog.

I did not need to submit any proof of income too. However, the Credit Limit assigned to me is lower than all my Malaysia credit cards (except for OCBC TMC which I had previously I requested it to be lowered from the original CL).

FYI, the article above also touched on how to get perpetual higher interest rate from online accounts where we get introductory bonus interest rate for 3 to 4 months only.

Bro the Gold card is an ATM and Visa Debit Card! Is to identify CitiGold customers worldwide.

This post has been edited by Gen-X: Dec 9 2013, 10:36 PM

I suddenly remembered and want to share with you guys that we can get 10% discount with Agoda every Wednesday with our VISA credit card(s). This 10% promo on Wednesdays only will run until 15 January 2014 for hotel room bookings up to 30 April 2014.

This is one of those rare occasion where our Maybankard 2 Visa beats the AMEX

Click on the link below to my Wordpress blog for more info on the 10% discount with Agoda using of VISA credit card:

Get 10% Discount for our Hotel Rooms with Agoda and Visa every Wednesday.

When I am in Australia, I have no problema getting sms alert with Maxis for my MBB, UOB and Alliance VIs. As for the charges, I got no idea since I never check my Maxis bills since they are auto debited. Also no problems getting OTP for M2U.

This post has been edited by Gen-X: Dec 19 2013, 10:30 AM

Yes Bro, transaction alert since I mentioned MBB, UOB and ABB Visa Infinite.

My mistake on OTP for M2U - don't need one. But I do get OTP for my MBB Visa Infinite for Internet Transaction and even Maybankard 2 AMEX Safe Key for booking Air Asia when I am in Australia.

You should be able to receive the OTP for your baking account as long as you got roaming. Bro, usually I tear off my Telco bills, too bloody thick to keep them, so can't check for you. But I guess it should not be more than RM1 per sms.

This post has been edited by Gen-X: Dec 19 2013, 11:58 AM

Yesterday I presented a Christmas gift to my readers and those active in the OCBC TMC Thread. However like any gift, it may or may not be useful or what you want, but it is the thought and effort that counts, hahaha.

So, if you want my Christmas gift too all, then click on the link below to receive it

The Best Cash Back Credit Cards - How To Earn Money From The Right Credit Cards for Up To RM7K Spending per Month.



From my article, you will note that the Alliance Bank Debit Cards are really good for those who spend above RM2K/month, to earn more from cash back.

I also just posted at FD Thread that - Alliance Bank is offering 3.45% 6 Months straight forward Fixed Deposit Promo without the stupid CASA thingy. Promo ends 31 December 2013.

So maybe it is a good time now for you to go get either the Alliance Platinum or Premium Debit Card and earn 1.5% and 2% cash back respectively.

And if you are going for the Alliance Premium Debit Card, might as while get the Alliance Privilege Banking Visa Infinite which is FREE FOR LIFE and you get UNLIMITED entries to Plaza Premium Lounges worldwide too. If you got time, click here and read my article on Maybank, UOB and Alliance Bank Visa Infinite.

I just published an article on overseas transactions comparing my Maybank Visa Infinite vs Alliance Bank VI vs UOB VI. From my findings, my Visa Infinite conversion rates are like more than 3% above Visa's rate and that would make it above 4% over the spot rate. But with the 5X reward points, I get like 2% cash back with the MBB VI and ABB VI but not the case for the UOB VI.

The article also includes a sample calculation as how to determine one's credit card overseas conversion fee over Visa's.

And I also included overseas transactions shared by ronnie, bear bear and parsona with their RHB Visa Signature, AEON Gold and AEON Watami respectively. And those of you who do no visit the Foreign Exchange Rate Thread will be shocked to see AEON cards exchange rate.

Click here to read my article The Best Credit Cards for Overseas Transactions 2014

This post has been edited by Gen-X: Jan 3 2014, 01:26 PM

Outstanding Balance is a debt, unless you want to have bad credit history, better you go settle your debt.

Nowadays, max cash rebate you can get from government agencies bills is 3%, and that's with conditions.

If your Assessment bill is less than RM1K semi-annually, it does not make sense to go get another credit card because after deducting RM50 GST you ain't getting much in cash back or maybe nothing.

However, if you do spend like more than RM1K/month consistently, and need a replacement card for your OCBC Titanium MasterCard, click here to read my article titled The Best Cash Back Credit Card Combination 2014. You will note in this article that the AEON Watami is good for those who spend RM3K per quarter and Alliance Debit Cards may just be what you are looking for.

If you have the Maybankard 2 Cards - the AMEX does earn you 5% cash back on weekends and many local council do accept AMEX. Check with yours.

This post has been edited by Gen-X: Jan 5 2014, 11:35 AM

Don't know which state you at but in Selangor one can use Visa or MasterCard to pay for quit rent.

I haven't been to Melaka PTD offices for years so don't know. But if you go to PTD offices in Selangor, can pay quit rent with credit cards at the cashier. But you are right, quit rent small amount for residential so may be waste of time to go there.

Birthday

BNM, go to link below, read b00n's post

https://forum.lowyat.net/topic/741069

The time has come once again for me to show off My Credit Cards and Debit Cards Collection for 2014 plus bore you with my other bragging rights. If you want to see my credit cards collection, click on the link below:

My Bragging Rights and My Credit Cards 2014

In my article, I have announced that his is the last time I'll be posting my cards collection as I don't think I'll be able to qualify for any more Premier Credit Cards.

In this article, besides posting my entire active cards collection, I also did a brief review on the Alliance Platinum Visa, Alliance Visa Infinite, CIMB Visa Infinite & World MasterCard, Citibank Platinum Visa, Hong Leong Bank Platinum MasterCard, HSBC Visa Signature, Maybankard 2 Cards, Maybank Visa Infinite, OCBC Titanium MasterCard, RHB Platinum Visa, UOB Preferred Platinum Visa and UOB Privilege Banking Visa Infinite, as to how they benefited me.