18

depending on your spending pattern..
sometime high CL very useful when the bank have promotion for 0% balance transfer..
then u can balance transfer from other bank cc, then keep the money in short term FD to earn some interest 

Soon the 5% CB from MBB 2card Amex will be taken away, i need to apply new cards.

Thinking to apply this card and supp 2 cards to my kids, and use it on grocery to get 5%CB max RM88 pm.
So wanna ask those who know this card,
If you set a separate credit limit to your supp cards, would the supp cards usage on grocery be included to calculate the 5%CB?

----------------------------------------------------------------------------
reason i asked is i found out the hard way for PBB VS supp cards,
, you set separate CL for supp card holders, their card usage not entitled for the  6% cash back at all.

It is tough to replace though. Anyway I am twisting my mind like Gen-X to find out which is now the best card in Malaysia.

what i know is:
the must have :

1)WIse card - good for many things, grocery, utilities, petrol etc,  you apply for spouse also, monthly can get RM100 x 2.
2) Watami - 3% CB, minimal spend RM3000 per quarter, max CB RM150 per Q.
Others:

1)UOB CB - 1- 5%, got cap got quota, me not planning to use yet, kind of complicated, ?CB not guaranteed.
2)MBB Ikhwan - 5% CB petrol grocery, RM 50 pm, good but only for Fri And Sat, not for me.
Another must have:

1)PBB VS - 6% CB max RM60 pm.  superb can pay bills online, get 6%.
2)MBB VS - 5% CB grocery and petrol max RM88 pm, and free lounge at airport.
Want more 0%BT, get this:
1)MBF Card
2)Citibank card
They regularly offer me 0% BT .

Extra:
AIA insurance- use PBB AIA card - 2%CB, max RM500 pa.
sorry my mistake. edited above

No way keeping so much cards just because of the PPL access. It's an extra for me BTW. My aim is on the travel insurance indeed. Covered up to 2m so I saved from buying travel insurance separately.

By splitting rm30000 to 3 bank's card, I'm getting ~rm2039.6 of cash back.
Using this card I got half of rm2000 only just to get the AF waived

yes..above 18years can have supplementary card..
you can have up to 4 supplementary card for free..

advise you set the credit limit so son wouldn't over spend..
set SMS transaction alert to RM1 so every transaction he making, you are aware of.. 

just call the bank and ask them to set all SMS transaction alert to RM1..
any transaction on all the card above RM1, you will receive the SMS..
that way you know where they shop or buy..

i not sure which one better for you...
does your son study oversea?
if yes then choose which card offer better exchange rate..

i did it via twitter where i tweeted @mymaybank asking how to do it. after tht they will DM (direct message) asking for my mobile and someone from Maybank CS team will call back, and there's reference number to keep track after x number of working days still no sign of SMS notification can call back quote reference number.

Time to say goodbye VS

mbb vi priority pass oso be discontinued after 1st March 2016 o.