A slight correction.
So from what fruitie posted above, you may (I am not sure, you got to go try it yourself) get 10% cash back with the HLB WISE credit card under the Groceries category for your Unifi, Astro and Touch n Go at Mydin, Jaya Grocer, Sam’s Groceria, Giant, Cold Storage and Tesco.

Bill payments can only be paid in Sam's Groceria. The rest cannot pay bill payments, only TnG at some of the outlets.
Sam's also can reload TnG.

Comprendo Sis, ONLY at Sam Groceria, must go fast fast edit my HLB post, haha. Thanks.

This post has been edited by Gen-X: Jan 20 2016, 12:05 PM

Refer to this useful thread: https://forum.lowyat.net/topic/3757650

Thank you sifu, I'm still an apprentice learning from master only

.. Opss uncle Gen-X, you over rated me. I felt paiseh for your credit. In fact I only realised the usage of BT (To earn extra $) after reading your article, thank you very much for the unconditional effort

aeon watami

Heard that aeon watami needs to use up at least 1k per month in order to get the cashback..

But if I'm not using that much for cc, any other options? Thanks.

min 3k spending in a quarter (3 months)

your petrol, ptptn, insurance, groceries, phone bill, unifi, and other utilities should be able to contribute 3k per quarter? no?

Petrol is not part of Watami's cash back.

Hi gen

its me again.
this time need recommendation for new card

1. Annual Income: RM90K

2. Free Lifetime Annual Fee: YES

3. Card required for:Petrol, Insurance, Groceries, Phone bill, Maxis Fibre, and other utilities

4. Existing credit cards if any: Maybank 2cards Gold(amex and mastercard), CIMB Visa Gold + Waived autoreload T&G(the mastercard petronas ive terminate it), Maybank Ikwan Platinum Mastercard (those 5% rebate for groceries + petrol on friday and saturday)

5. Looking at CC from: -

6. Others: Any great card that give cashback +++ and free airport lounge. free T&G autoreload too. do advise me if i should terminate my current CC

thanks

Bro, answering to your requirement where you specifically mentioned Petrol for weekdays, the AEON Watami recommended to you without any explanation is useless to you! Because even if you pump RM1K a month Petrol you will earn nothing with the AEON Watami.

For your petrol Everyday, you can consider Citibank Cash Back but after the first year, the annual fee may not be waived so be prepared to cancel the card.

Noted you got Maybank Islamic MasterCard Ikhwan, and if these two items add up to RM500 you are in luck. Check out my article on Hong Leong Bank Wise Visa and based on my examples and fruitie's tutorial, chose Petrol and Groceries as selected categories plus you get the bonus category for Mobile Phone Bill (not Telekom Landline) and you may just earn yourself 10% cash back for Petrol Everyday, Groceries Everday, Mobile Phone Bill, Unifi, Astro (if you have it) and even Touch n Go!

As for insurance, that one a bit tough to get more than 1% cash back if your monthly premium is like a couple hundred Ringgit. But if you don't mind getting another card, consider the FREE FOR LIFE OCBC Great Eastern MasterCard recommended by Devil4life in an earlier post and earn 1% cash back for up to RM1K spending a month.

As for PTPTN, if can use credit card for repayment directly, please let me know how you go about it. Of course there are ways you can utilize the benefits of credit cards to "indirectly" pay your PTPTN loan but the interest will be higher than the freaking low interest rate that PTPTN charges.

Bro, go click on the link to HLB Wise Tutorial I posted above. The card is not FREE as per your requirement, but the Effective Cash back after the second year is still higher than 5%.

As for Airport Lounges, click here to my Airport Lounge Page. FREE FOR LIFE with nominal requirement, AEON Gold which also allows you FREE makan at Green Market KLIA2. Also check out RHB World MasterCard and Visa Signature both FREE FOR LIFE once your income hit RM100K p.a.

This post has been edited by Gen-X: Jan 21 2016, 01:18 AM

What is the best cash back credit card for groceries shopping?

Need to note on the maximum cash back of Citibank Cash Back, only RM 15 for non-Plat and RM 20 for Plat version.

Good to know that OCBC GE Plat's requirement has dropped to 24k per annum only. When I converted my OCBC Ti to this card, it still required 60k per annum that time. Now it is an idle card for me, except that my monthly GE insurance is charged to this card.

Use credit cards with PTPTN is only limited to few places and at counter though I must admit I have not tried before.

It depends on your usage amount and income. Please refer to post #2 for template.

Details please, this is interesting. Counter at PTPTN HQ or where. In PTPTN website, it only states Debit Card.

Refer to the above post and also this: https://forum.lowyat.net/index.php?showtopi...post&p=77475730

Thank you thank you as many are like you.

Sis, go lah settle your loan and be debt free and write an article on it and be my Guest Columnist

You are welcome, I also picked up other people's posts only.

Sigh, I wish though. I don't have so much to pay off one shot.
My credit limit (one card) also not enough to pay off.

Moreover, PBB rejected my application and asked me to apply one year later. How to get their free 0% BT la.

Sis, I can tell you that even if PBB approve your application, it's a waste of time doing BT because they will give you pathetic Credit Limit.

wjleong15 - seeking your confirmation that you have been paying your PTPTN repayments with your HLB credit card,

Noted you mentioned One Point Service WP Kuala Lumpur in respect to PTPTN payment with credit cards in a previous post- where is this? Or were you referring to One Stop Centre in Sentul or Putrajaya or Urban Transformation Centre (Pusat Transformasi Bandar)?

And now that HLB Essential only offer 0.6% CB, what credit card you using?

cybpsych - any input on PTPTN repayments with credit cards from you is appreciated.

This post has been edited by Gen-X: Jan 21 2016, 09:07 AM

yeah, thanks for the correction. actually i copy paste his "card required for" part but forgotten to remove the "petrol" lol...
just wanted to highlight to him that ptptn, insurance, groceries, phone bill, unifi, and other utilities can easily hit rm3k per quarter.