1. Annual Income: RM65K

2. Free Lifetime Annual Fee: Yes. Acceptable if can be waived with easy and achievable conditions.

3. Card required for:, Cash Back/Rebate FOR Petrol and utilities bill

4. Existing credit cards if any: Maybank2card

5. Looking at CC from:

6. Others: No.

1. Annual Income: RM 72k

2. Free Lifetime Annual Fee: Yes

3. Card required for: List all your needs (spending as below)
I m looking for card with Cash Back

4. Existing credit cards if any: Maybank2card (Visa + Amex), Citibank platinum card

5. Looking at CC from: whichever can offer the unlimited cash back, i m looking at absolute value but my spending varies from time to time.

6. Others: Currently all transaction made during weekends (petrol + utilities)

Thank you for the help!

I wish there is such thing.

Unlimited 1%, is this OK for you?
HLB Essential but with criteria, minimum swipe is RM 100 per transaction.

This post has been edited by fruitie: Jul 27 2015, 03:38 PM

I thought it is minimum RM100 per month?
source

Oh yeah, you are right.
This means the card is not too bad.

although you are under rm100k pa, but you may still try for pbb vs, especially if you have existing loan with pbb. otherwise can also go for cimb cr plat.

convert your mbb2cards to mbb ikhwan and pump petrol on friday/saturday for 5% cb. get yourself a new aeon gold cc for 6x free ppl access.

if you can achieve rm50 x 10 times a month, go for hlb wise and choose petrol and utility categories.

why you copied exactly what am1031 posted? or you are the same person having 2 accounts? so i just quoted below for you again.

1. Annual Income: RM 72k

2. Free Lifetime Annual Fee: Yes

3. Card required for: utilities bill payment

4. Existing credit cards if any: Maybank2card, OCBC Ge, CIMB cash back,MACH Hong Leong

5. Looking at CC from: UOB Vox card / Hong Leong Wise Card

6. Others: pay for petrol and utilities replace MBB2card

Thank you for the help

of you can meet the rm50 x 10 times, can go for hlb wise 10%. otherwise set standing instruction for your utility bills under your cimb cr 2%. last choice will be to pay your utility bills using your ocbc ge for 1%.

Thanks! Different person but I find what he looking for is exactly what I'm looking for too.. so copy & pasted it instead of reinventing the wheel Alright will look into PBB VS.

**PBB VS is not eligible for petrol cashback is it? I only see groceries, dining and online transactions in their website.

This post has been edited by Jordi: Jul 28 2015, 09:01 AM

yeah, petrol is not included. for petrol you may want to apply for uob one (2%+2% on weekdays at bhp; 5%+2% for weekends at bhp; for non-bhp just minus out the behind 2%)

Thank you for your recommendation

just check on PBB VS, seems the CB got cap at RM 60. https://ringgitplus.com/en/credit-card/Publ...-Signature.html if i spend 10k, also rm 60 although the 6% is high.

Anybody use Alliance bank credit card? https://www.alliancebank.com.my/CashBackRat...rs#platinum-tab I found this, does this mean if the spending >5001, will eligible for unlimited 2% cash back? if yes, then this is something not bad. any 1 can share?

This post has been edited by am1031: Jul 28 2015, 11:18 AM

NO rebate for spending above >2%. you should search the alliance bank credit card thread to understand the tier process. according to forummers, percentage is based on tier, so even if you spend RM3000, your rebate aint 2%, each block of the expenses multiplies by it's cash back rebate rate. so effectively less than 2%

1. Annual Income: RM36K to RM60K
2. Free Lifetime Annual Fee: A Must (or auto waived with condition)
3. Card required for: Petrol ~RM500, Groceries ~RM250, Dining ~RM300-600, and other. Cash Back is priority.

4. Existing credit cards if any:
HLB Wise for petrol, dining & mobile to get 10% cash back.
Standard Chartered Visa Gold for insurance.
Citibank Cash Back, UOB ONE, OCBC Ti, for dining and other.
My partner has Maybank2Card and UOB Lady.

5. Looking at CC from: Maybank Islamic MasterCard Ikhwan, HSBC Amanah MPower Visa Platinum, CIMB Cash Rebate Platinum, or any suggestion
6. Others: I am looking for credit card with high cash back to replace OCBC Ti and Maybank2Card.

if you want straight forward and unlimited cashback, go for ocbc ge card.
first rm1k = 1%, subsequent 0.5%.

1. Annual Income: RM 32k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Mostly for petrol and shopping

4. Existing credit cards if any: No

5. Looking at CC from: Any bank that can give best advantage (cashback or point)

Looking for my first CC,,,,,,,,



Thank you for the help

have housing loan with PBB easier to success getting the PBB VS ? I have 2 house loan with PBB oh...

This post has been edited by ronron: Jul 28 2015, 07:04 PM

yes, there are few successful cases already with one of them only earn 60k pa also got it.