If you are new credit card user to public bank, you can opt for 12 months 0% BT with min 5k. Check out details at their website.

I only know if this one.


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1. Annual Income: RM80-100k

2. Free Lifetime Annual Fee: Preferably free. Don't like to call and ask for waivers.

3. Card required for: Petrol, Dining, Travel

4. Existing credit cards: CIMB Platinum, American Express Platinum, Ocbc GE Platinum (Had Maybank Petronas Platinum, just cancelled an hour ago due to bad service from branch and call centre)

5. Looking at CC from: Don't mind any.

6. Others: Self employed. Don't intend to ever owe anything to credit card so interest/balance transfer/etc not important.

Thanks in advance for recommendations, sifus.

This post has been edited by HarpArtist: Jan 17 2016, 05:41 PM

1. Annual Income: RM72K to RM84K

2. Free Lifetime Annual Fee: Preferably free. Don't like to call and ask for waivers. And it's not always guaranteed waiver nowadays

3. Card required for: List all your needs (spending as below)
Petrol - 200 monthly - Shell
Insurance - 1000 for whole family
Car Insurance - 600 annually
Utilities - 157.95 (unifi) , 250 (TNB), 60 (Telekom Phone), 105 (Astro), 150 (Maxis)
Groceries - 100
TnG - 220
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any: Citibank Gold (Currently on AF RM50 after call for waiver but failed, want to cut it already)
5. Looking at CC from: Any, as long as given me maximum cash back based on my current recurring expenses
6. Others: currently all transcation made via online banking. Don't intend to ever owe anything to credit card so interest/balance transfer/etc not important.

Can someone advise 1 or 2 good cash back cards on the above criterias. Thanks.

No more 0% BT 12 months with PBB.

Check out Balance Transfer Thread

or

click here to my Balance Transfer Plan 2016 Tutorial where I listed RHB 24 months effective interest 8.67% or Maybank 12 months with 3% upfront. 0% 6 Months only with Public Bank and AEON Credit. BSN got a 24 months too but I don't know how it works when it said 0% for first 12 months. Or HLB 6.99% reducing balance interest.

https://www.pbebank.com/images/New-Promo-860/3amazing.aspx
For NEW customer to PB, can apply 0% BT for 12 months. Mine already approved

hlb mach 5% for dining and aeon watami 3% for anything except petrol. both swipe 12x per year for auto af waiver. uob one for petrol but need to call for waiver.

aeon watami 3% for everything except petrol. uob one for petrol but need to call for af waiver.

You are right, my bad. Get RM50 free money somemore

I must go add the above PBB 0% BT to my Tutorial and of course give credit to you

hurtedheart - gave you credit at my FD Page/Post where I shared the 0% BT with all.

This post has been edited by Gen-X: Jan 17 2016, 11:09 PM

How about HLB Wise Card?

wise card has annual fee and it can't be waived even if you call to beg or threaten to cancel.

If one month can save 20 for wise, already worth it already. I have friends saving around 80 a month

1. Annual Income:RM 70k

2. Free Lifetime Annual Fee: Preferably free, if can call up to waived also can.

3. Card required for: Online Shopping transaction cash back

4. Existing credit cards: CIMB Cash Rebate Platinum, Citibank Cash Back Platinum, UOB One Card, Maybank 2 Cards

5. Looking at CC from: Any Bank will do

6. Others: Heavily use on online trasaction for shopping.


Thanks In Advanced.

Yes, if you can maximize then just apply it. We always maximize the cash back of RM 100 per month, no issue at all.

UOB VOX.

yes, if you are ok with their requirements to get the 10% then no problem. it's too complicated for certain people.

I got RM200 savings every month from wise. rm25 from uob one card. plus earnings from treats points from mbb. plus on n off cash back promotion from various bank.

Thank you so much bro.... I browse through BSN website, the BT program for 24month is like 0% for the 1st 12months and 0.375% monthly on 2nd year.. which brings to 4.5% annually... if i divide by 2 thats mean i'm gonna pay like 2.25% per year...

am i right to say, the BSN BT suits me better compared to PB 12months 0%.. since i'm targeting to complete within 18months...

Hi Tigerr,

Would like to know how you do so and advise on how to achieve that?

Petrol - 200 monthly - Shell
Insurance - 1000 for whole family
Car Insurance - 600 annually
Utilities - 157.95 (unifi) , 250 (TNB), 60 (Telekom Phone), 105 (Astro), 150 (Maxis)
Groceries - 100
TnG - 220

I heard from my ex-colleague, we're working near KL Sentral and they always went to Sam's to do payment, reload. I want to know how you save 200 a month.

Petrol - 200 monthly - Shell
Insurance - 1000 for whole family
Car Insurance - 600 annually
Utilities - 157.95 (unifi) , 250 (TNB), 60 (Telekom Phone), 105 (Astro), 150 (Maxis)
Groceries - 100
TnG - 220

Mind sharing how can I achieve based on above spending pattern?

For Wise and I noticed you are working in KL Sentral, great, because I work here too and you can always drop by Sam's Groceria to reload TnG and pay your bills. Remember to choose Groceries category.

For my Wise, I only choose utilities and groceries.
Utilities category is only TNB and Syabas. UniFi is not but you can pay in Sam's which I'm doing as well.

In short: UniFi, Telekom, Astro can be paid via ePay and TnG can be reloaded in Sam's. Split the payment to RM 50 per transaction and TnG not worth to split because each transaction incurs RM 0.53 of service charge. So, I always reload RM 100 or RM 200 one shot.

For Maxis, just use Maxis Pay and it will be under Mobile category and split into three payments.

This post has been edited by fruitie: Jan 18 2016, 12:08 PM