Another way is to apply for it using the "pledge FD method". Basically it means you can't withdraw the FD as long as your credit card is active. Anyway, you don't have to do that yet. Make it your last resort

For your case, you have to choose petrol and utilities, so total cash back will be about rm65(if not mistaken Maxis fiber is rm0 cash back). Total monthly spending is rm1000(assuming your grocery spending rm130). 1 year is rm12000
rm65*12=rm780, after AF and GST, your cash back are only rm570 or every month rm47.5. So your cash back only 4.75%

As for MBB's dual card calculation, most of your spending can be swipe using AMEX, so every month should able to hit rm50 max cash back(must swipe on weekends only).
Again, total spending rm12000, with 5X TP you are getting 60000pts a year and you can use 50000pts to change cash vouchers(AeonBig can get rm210), you said before GST of rm100? Ok, rm210 cash voucher use rm100 to pay GST, you still have rm110. rm110+rm600(weekend cash back), every month about rm59. In actual, you are getting 5.9% of cash back, with balance of 10000pts of TP that valid for 3 years, so on third year you are getting another rm210.
And M2U interface are very easy to use, 1 account you can do most of the transactions. With WISE you need to register another account.

Which is the better first card for you? Guess my explanation will says MBB.

Maxis Home Fibre is under mobile category if pay via http://pay.maxis.com.my

Okay bro. I will try to use this if they dont approve. Thanks!

Yeap. If not choice then I will need to use this method.

Thanks for your detailed breakdown and analysis bro! Kudos to you!

But one thing I dont like about MBB 2 cards is only can use on weekend for cashback...

And I'm pumping BHP petrol. And if not mistaken most BHP dont accept amex card? I'm not sure thou. Can someone clarified on this?

Thanks for your input bro!

If use this method, can I separate 2 times (RM60 + RM58) to pay a RM118 maxis fibre bill??

This post has been edited by kopiPeng: Oct 27 2014, 01:20 PM

Yes of course.

Not just BHP, most of the petrol station(especially smaller scale) will reject AMEX, this issue already came out before on newspaper. Visa/master are charging 2-3% while AMEX charging freaking 4.5-5% from merchant. The outcome still unknown(but heard that Visa/Master willing to charge 1% only).
Yup, that's the setback on AMEX, before I get MBB, I'm using OCBC.
Another card you may consider is HSBC's, also on weekends only
Guess you need to have a strategy to get the most from the cash back. Like my WISE I'm using it to buy Milo and sell back to coffee shops

If not mistaken so far I know Shell accepting AMEX card. But I dont pump shell. because bad FC for me

My main purpose of getting a CC is to pump petrol and rebate on petrol. Therefore I would choose to go for WISE. because still lots of place dont accept AMEX and only weekend have CashBack which is quite frustrated for me.

Anyway, thanks for your sharing and analysis. I'm really appreciate.

I would go for MBB 2 Cards as an alternative if I dont get approval from HLB.

The wise card, as the given name, is for the group of ppl who can micro manage the usage and fully utilise the benefit. Me myself is taking the exactly 8.75% CB (x3 cards) without fail for more than a year. With the rich information given in this thread, it's should be sufficient for you to maximize the benefit as well. Wonder why there is still so much complaint

Yup, you know your spending the best.
Indeed AMEX are sort of "balia" card in malaysia.
For me I got no issue on using AMEX since I have both MBB and WISE, combine both of them are still the best way to get the most out of my spending. WISE for groceries, petrol while AMEX for others.

True bro, Must learn from sifu2 here liao

Yup. WISE + MBB is a great combo! Will definitely use this 2 as my primary card if I have more spending power/commitment

HLB Wise 8.25% (Annual fee + GST) MBB2Amex 6.58% (GST) PBB Visa Signature 5.98% (GST) Aeon Watami 3.4% (No annual fee, GST waivable)

Those are basic effective cash value rebate (including reward points), have not taking into account those ongoing promotion.

Good luck digging from banks

btw.. i just saw this Clause in the application form.

Monthly Statement I need to pay RM5 per request??

That means if they mail the statement to my home I need to pay RM5/month?!!

This post has been edited by kopiPeng: Oct 27 2014, 04:24 PM

I suppose that's mean additional monthly statement.

Owh... okay.. Glad to know that. Sorry i'm paranoid

hi, may i know online shopping such as ebay, lelong, lazada & etc is fall on which category? tq

supposed "online" category but some online sites did appeared as "grocery" category.

Confirm categorized as groceries (tested)
AEON supermarket @ Bukit Mertajam
PASARAYA WONDERFUL @ Bukit Mertajam


Also, see from previous post someone mention Tesco eShop categorized as groceries, anyone confirm it ?
And keep seeing you guys mention about Merchant category code, MCC. Where you guys got the code ? Mind to teach more ?
Thanks in advance

just like you, we also based on trial and error...

"online" falls under which category below?