MBB's dual card need to pay 2 x rm50 GST now...

I apply for Gold card only.. not platinum...

Well, is up to you.
If this is your first card, total cash back will be < 8.25% if use it as primary card:sweat:
What is your total spending anyway? rm1000 and lesser?

This post has been edited by supersound: Oct 27 2014, 09:07 AM

hm.. why total cash back will be <8.25%??

My spending pattern per month as below.

RM240-400 petrol
RM120- Maxis Fibre
RM250- Utilities
RM100- Dining
Shopping/Groceries - Not frequent. Once a month?

Do you mind to analyse MBB dual card or HL WISE which is more suitable for me?

This post has been edited by kopiPeng: Oct 27 2014, 09:09 AM

Cash Rebate is 10%. but since most that comments here say AF not waivable, then you need to consider the fact that, AF is part of your cost. and nett cash rebate percentage should be nett of AF.

Based on your spending pattern, looks like wise card is not very suitable due to the terms and conditions. You need to fulfil 10 transactions of RM50 to get the rebate. You lose out on cash rebate if you swipe on non-rebate category.

looks like Mbb2card works better. Though I’m not sure how one pays maxis bill with amex, but that’s for you to find out. go through the t&c for Mbb2cards. Point to note is... you need to pump petrol during weekends.

or... citibank cash back card?

This post has been edited by adele123: Oct 27 2014, 09:50 AM

Fulfil 10 x RM50 transaction I think shouldn't be a problem.



Now let me breakdown the rebate. I going to take this 3 categories (Telecommunication, Petrol, Utilities)

Meaning to say I will get CashBack RM67 / month.

RM67 x 12month = RM804

RM804 - AF - GST = RM804 - RM160 - RM50 = RM594

Total CashBack per year I got is RM594.

Am not sure if its good enough. Any advise would be appreciated.

This post has been edited by kopiPeng: Oct 27 2014, 10:01 AM

hi folks,

What is the calculation date again? is from 28th - 28th of every month?

calendar month 1st to 31st posting date.

must remember utilities only cover electricity and water bills.

Why i call SA and told me different thing geh?

They want to make me cant receive rebate?

Okay. Noted

BTW.. where can I pay Electricity and Water bills online??

Let's say my electricity bill is RM240.

Can I separate 4 times (4 x RM60) to make payment??

many hlb cs is unsure about this product themselves.
you may try to call again and the next hlb cs will tell you a different story. lol...

yes, can and via uob payonline.

Is there any hidden/extra charges if i pay via UOB payonline?

no, it's free!

No

Awesome!! Cant believe there is free lunch on this world

Arggh... hopefully my HL WISE application will get approved.. *finger crossed*

Any tips / ways to increase my CC application success rate?

I asked the banker, whether put some Fixed Deposit will helps. She said NO..

whatever "extra" income you have, can attach the prove to strengthen your income part. all the best.

put more supporting documents, if you can.

for me, i submitted LHDN eFiling (Summary page), EA Form, EPF statement (machine-printed only), 3 months payslips. Settled everything in 1 week. Gotten the card the following week.

good luck!

I'm doing online trading.. how to prove my "extra" income??

Print my current account statement for them?? Please advise


Thanks for your tips bro!

But I haven't have any eFiling yet...

yes, casa statement is a prove too. but need to get ctc copy from a branch to prove its validity.