That's what I did... let's see if I can get RM188 or RM150 .... I do prefer RM188 though

I use wise for mobile,groceries & travel... m2card amex platinum on weekend until maximum (i.e rm1k+rm1k)
the rest will be using m2card amex reserve + VI

If you autodebit your insurance premiums, you might want to consider Watami card.
3% cashback, on condition that you swipe at least RM3k every quarter.

I only buy insurance twice a year for my 2 cars...so I prefer to use either m2c amex platinum for 5% CB or m2 card premier for enrich miles (rm2.25 for 1 enrich miles)

however I'm still considering to get PB VS for dining and some online transactions that can't be done by m2card amex ..

yeah, i agree with your planning with these 4 cards. they are the best package covering all the major categories with 10%, 6%, 5%+2%, and others at 3%. great!

What about your medical or life insurances?

covered by company..but thinking of buying for my kids..

You should indeed, everyone should have their own medical cards.
Medical costs these days are just too damned ridiculous.
My company also covers my medical insurance, but the thing is, chances are you won't be working for the same company forever, and even if you do, when you retire at age 60, you'll have zero insurance coverage then, and it will be unthinkably expensive to start buying insurance when you're 60.
Maybe I'm paranoid, but I'd just rather err on the side of caution.

does this card earn Cash Back for other transactions besides dining, grocery and online transactions? If no, what is the point of minimum CL RM30K since the cash back is capped at RM60. CL RM2K is enough, hahaha.

Okay you do earn 1 VIP Point, but I bet the returns will be less than 0.5% for cash vouchers. Therefore this is not competitive compared to say OCBC Titanium Mastercard which you give you1% CB.

And one only earns 1X Point for overseas transactions. This is really a joke for a so called Premier credit card.

I can tell you PBB will terminate or revise the 6% CB in less than 2 years just like what OCBC did for their Titanium MasterCard. This is because no one here in LYN CC Section is so stupid to go use the card for any other reason except to earn the RM60 monthly CB (max spending RM1K/month). Well, maybe those who want the free local airport lounge access can go use it at McD when overseas (and earn 6% CB too), hahaha

This post has been edited by Gen-X: May 10 2014, 01:37 AM

Still thinking if I should pledge 30K for the card. I have Mach that covers 5% dining, CIMB CB Plat for 5% online purchases and I don't really do grocery at all. I think it's better off putting my money in BR FD for better returns.

yeah, it's true about what you said.

lol, that's a good idea. but which overseas mcd accept cc payment? sorry, usually i use cash as i thought they were the same like malaysia (cash only). lol...

I went business trip to Norway, no need to change money, everywhere accept credit card, best example, go public toilet also can swipe credit card..it's a credit card swiping paradise.. haha

You can choose not to jump company. Sometimes money is not everything.
20 years ago people also don't have medical card, but why they have lesser sickness?
Is our current lifestyle that makes us sick.

I am waiting for the (rumor) new OCBC card to see whether it has better cash back features. Currently all my non-weekend, non-amex dining go to Watami card for 3%. So the 6% here doubles it.

The lounge access is less attractive with the swipe condition.

chinaman company must have done their due diligence. haha

wow, go public toilet also can swipe cc? lol... fully understand now... thanks!

In developed countries, nowadays people don't even have cheque book or cash in their wallet as most use Debit Cards. The Wave Feature is handy but like I said, better get RDIF blocking wallet.

As for McD, no need go very far, McD SG accept CC/DC. However, I would suggest you get a PIN number if you really want to use your CC overseas for small purchases or at Self service counters.

My smallest ever trnx on my CC was a S$1.40 for a cup of soya bean at Mr. Bean. S$7 is all it takes to visit PPL. Good try

SG McD accepts Nets Flashpay (a SG payment network) not Visa/Mastercard credit card as i know