Apr 20 2014, 12:56 AM
QUOTE(propusers @ Apr 19 2014, 11:34 PM)
Hi all experts in credit card, need you all advice... I got WISE + OCBC currently.
WISE
- petrol + groceries + mobile. Can swipe more than 10x RM50 easily every month.
- Average RM750 for these 3 categories monthly.
- Average cash back RM75 per month.
OCBC
- TNB RM120 monthly
- SYABAS RM60 monthly
- TMNET RM60 monthly
- ASTRO RM80 monthly
- Insurance (personal + family) RM620 monthly
- Others expenses which not fall in WISE categories = average RM100 monthly
- Cukai pintu RM300 half yearly.
- Average cash back RM11 monthly
Total cash rebate = RM86 monthly.
Any suggestion to have better cash back? Any better credit card suit my spending pattern?
Thank you.
Seems like what you spend using OCBC is around 1k per month, which you can consider watami cc, 3% for min RM3k spending per quarter.WISE
- petrol + groceries + mobile. Can swipe more than 10x RM50 easily every month.
- Average RM750 for these 3 categories monthly.
- Average cash back RM75 per month.
OCBC
- TNB RM120 monthly
- SYABAS RM60 monthly
- TMNET RM60 monthly
- ASTRO RM80 monthly
- Insurance (personal + family) RM620 monthly
- Others expenses which not fall in WISE categories = average RM100 monthly
- Cukai pintu RM300 half yearly.
- Average cash back RM11 monthly
Total cash rebate = RM86 monthly.
Any suggestion to have better cash back? Any better credit card suit my spending pattern?
Thank you.
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