CIMB CR for? If you meant for utilities bills then can forget about it. There's no rebate except for Astro I think.

My Amex was always maxed for TM bills only. I have HLB Essential (for all other spendings) & 2 Wise cards (for petrol & groceries/TM & Syabas ). So pretty much covered already. Aeon Watami (scared cannot hit and also hard to monitor, monitoring Wise card (me & wife's) already make me .

Ambank True sounds good, will get more info on this card. but webpage mention nothing about 3% http://ambank.com.my/eng/cards/true

It was mentioned at True Visa Credit Card

Scroll all the way to the bottom. Another good thing is the True card does not have admin charges for oveaseas usage. (buy online from oveaseas also counted)

This post has been edited by Ramjade: Jul 27 2015, 12:20 AM

Check out this site http://www.truebyambank.com/trueproducts/Pages/index.aspx

How did you use WISE for TM? What about TNB?

i reloaded my tng cards rm1k (rm500 x 2) just now using amex too at mydin (max rm500 per time).

I was looking at the wrong site.
I'm more interested in the savings account. Anyway, thanks for the link.

The answer to your query is at question 14 of the FAQ. It states out the MCC, utilities, insurance, mobile payments are not included.

This post has been edited by fruitie: Jul 27 2015, 12:28 AM

Sorry , typo there. Wise for TNB

Sorry , typo there. Wise for TNB

Their True saverd account also better than M2Savers. 2.8%. The only downside is max 3x/month withdrawal (includes IBG to their TRUE Transect account/ IBG to another bank/atm withdrawal)

But if you IBG with their True Transect account, there is no RM0.11 charged. BUt not sure if they charge for IBFT

With proper planning, you can maximise te True Savers Account.

I do not know if there is another savers account which can give so high interest which allows you to withdraw.

Yes, I'm having MBB Savers account now. Maybe will shift it here. Let me study further.
I guess this should stop here. Way out of topic. Sorry, guys!

Guess some things are too good to be true.

Other cards might be able to give cashback too, but the appeal of the M2 Amex was that it's very simple. All transactions on weekends. That's it. We just need to find merchants who accept Amex. Sigh. (Damn this is akin to a terrible breakup! )

Because of no more 5% CB for all transactions on weekend..forced to apply UOB One as a replacement for my usage..
And Amex will be use for only dining..since UOB One dining no CB..
Not very bad news..but more cards in wallet..

This post has been edited by Lineage: Jul 27 2015, 07:45 AM

For most of the time, I'm using AMEX to pay utility bills. Even help paying other people's bills. And I get cash for this(5% and TP I keep). Then only I spend on other places. Those were the days

So what card are you going to use to replace Amex for paying your utility bills?

Public Bank's VS
But still waiting for approval.

5x reward points yes. But I forsee myself using Amex much lesser going forward, not many places accept Amex too. There're many more card offering much better perks out there.

10% Petrol, dining & telco bill - Wise (might be changing Wise category from Petrol to Groceries as I will be using lesser Petrol later months)
2% Utilities (auto debit) & 5% Online purchases - CIMB Cashback
5% Petrol & 2% Groceries - Citibank Cashback

1.25% Amex.. Hmm.. maybe can use for Guardian & Watson. But then I can reload my TnG at groceries place and use TnG to pay for it.

This post has been edited by CalvinCLK: Jul 27 2015, 11:15 AM

agree, 5X is nice, but you cant cash it out immediately/to next bill... the TPs are useless until you reached a certain redemption points.

Ya, that's a point too. Plus it comes with expiry date (3 year).

for Guardian, there's 15% discount if using CIMB cards. not bad mah load some of your purchases in Guardian so that you dont have to go there for few months at least until some (new) cards give better rewards for Pharmacy

This post has been edited by cybpsych: Jul 27 2015, 11:20 AM