Just wanna ask sifus here.

I've always been against CCs. Why? Coz I don't like to live on other peoples' money, per se.

But then I read on the positives of a CC, the rebate, cashback and whatnot.

Am I right by thinking that I should get a CC coz I can get cashback and rewards. And at the same time I can still pay the amount on time without any charges, therefore, I'd be making a saving and getting rewards.

Hmm.. thanks for any feedback.

Lol. That's mighty reassuring.

I'm not too well versed on some perks and rewards. But for example when some say "X% cashback (per month)", and "zero monthly/annual fees for X times swiped a month".

What I was always worried about was the monthly/annual fees, I know it is small but I don't want to be paying for something I won't be using.

But recently I think, I can always use it for petrol payments (2 times a month minimum). So the other may be used for say, online purchases.

Maybe I need to sit down with Banks and see what they can offer.

Anything I should take note of when considering a particular Bank's CC offering?

Thanks alot bro.

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

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

That's why I'm undecided...

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.