but u need to offset the rm50 per year GST, so u need to use ur card often to utilize it, else cannot cover. If u are already using a big amount, then some other card might be more relevant ie. Wise, UOB one card depends on ur usage. titanium is good if u use damn big amount, cos 1% uncapped, u swipe 100k per year, can get 1k rebate lolz.

Actually, if you use this card just to be able to 'cover' then you're wasting the difference. Better to use another card that gets better rewards. What's the point spend RM5000 here to 'cover' RM50 when you can pay the RM50 yourself and gain RM90 worth of points from AMEX?

Of course, in that situation better cancel the card =) which i think a lot of people will be doing.

Bos, if your monthly 1% CB is more than RM50, that means you're spending more than RM5K a month. In that case, you're better off with the Alliance Platinum as you get a tier-CB of up to 2%, capped at RM5K.

So, if u do spend RM5K a month, your CB with Alliance Platinum is RM68.71 in Cash and you can redeem about RM20.58 in cash vouchers. Total cash equivalent is RM89.29 compared to Titanium of just RM50. But Alliance Platinum CB is capped at RM5K a month.

You can also split your spending to the first RM1,667 to AEON Watami where you can get back RM150 every quarter (or equivalent RM50 per month) and charge the remainder (RM3,333) to Alliance Platinum where u can get RM35.39 in cash (combined is RM85.39) and cash vouchers of about RM13.70.  Total cash equivalent is RM99.09 compared to just RM50 for the Titanium

You should refer to Gen-X blog as he has outlined the best CC Combination for monthly spend of up to RM7K a month.