The best cash back and reward cc nowdays...pls suggest me

follow the format as page 1

there is no best cb/reward card. it depends on your need. so please follow the format in order for us to suggest to you.

1.annual income:60-80k

2.annual fees:free or waived by minimum swap

3:card required: groceries,shopping,petrol and bills.

4:existing card: cimbbank gold petronas mastercard,citibank gold cashback visa,citibank
business platinum visa

Recommended:
1. HLB WISE Card (RM50x10 swipe to qualify for 10% cash back)
2. MBB Ikhwan (free AF, but cash rebate for petrol and grocery on Friday and Saturday)

With these 2 cards, pretty much covered all your needs.

Hi

Kindly recommend any good cc to apply & where to apply in order to get the best promo or gift on the new application

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: free or with minimum swipe

3. Card required for: Insurance, hotel

4. Existing credit cards if any: PBB Gold Visa

5. Looking at CC from: Any which offer good reward points

6. Others: Monthly minimum spend ~ 5k.

Thank you.

PBB Visa Signature. Check their website for latest promo.

1. Annual Income: RM100K to RM150K (combined above 180k)

2. Free Lifetime Annual Fee: Min. spending conditions is fine

3. Card required for: I will include avg monthly spending on all categories:

Petrol: approx. 500 RM
Groceries: approx. 800 RM
Dining: approx. 300 RM
Utilities: approx. 400 RM
Phone/Mobile: approx. 400 RM
Online payments (overseas): 400 RM (using Alliance 0% spread condition)
Online payments (local): 300 RM

Insurance payments (general insurance): approx. 10000 p.a. (anual fees can only partially be spread by monthly installments)

Additional expenditures: approx. 2500-3500 monthly, can shoot higher for airtickets etc. (approx. to 10-25 k)

Looking for Cash Back/Rebate and / or AirMiles & Free Lounge Access

4. Existing credit cards if any: Alliance Visa Platinum (privelege, free for life), PB VS

5. Looking at CC from: Maybank VS but spending required too high

6. Others: Please be specific. Trying to max CB and Points for MAS miles redemption. We are not interested in islamic cards.

This post has been edited by PJusa: Jan 27 2016, 02:22 PM

check out the following:

1. PBB VS
2. RHB VS
3.. HLB WISE

you mean MBB VS? he is already holding PBB VS

thanks for the pointers.

1. got already

2. will check out RHB VS. since i have a HL with them I should be instant-approved. need to read the details but the free for life no conditions is not bad. the caps are very low and the tear-bases system also not so great. if i spend 3500 to get 6% (capped at 35 RM) i only get 1% CB. even i would max out all cats i only get 3,42857142857143% CB max. while not bad it might be too complicated. might be a backup card though.

3. WISE will be to complicated to monitor + the annual fee drags it all down.

Im using Maybank 2 card platinum, comfortable with it. However Maybank called to upgrade to Visa Infinite , should I accept

One of the thing that you need to consider is, VI comes with annual fee as opposed to MBB2 cards

Do you need the VI feature?

1. Annual Income: RM 33,000.00

2. Free Lifetime Annual Fee: Yes!

3. Card required for: Cash rebate for petrol, dining and shopping.

4. Existing credit cards if any: None.

5. Others: Please at least suggest two cards, 1 for petrol and another for shopping and dining that have high cash back respectively. Or all rounder card also okay

Maybank Ikhwan MasterCard then. The rest have AF.
HLB MACH card for dining and AF can be waived with just 12 swipes a year.
If you have at least RM 1k spending per month for other stuff, then can apply for Aeon Watami for general usage.

Also to note that for income below RM 36k, can only have two issuing banks' cards.

This post has been edited by fruitie: Jan 27 2016, 04:54 PM

you should imo

But according to a fews suggestions, 2nd year onwards annual fee applied

i guess it can be waived on certain amount you spend.. maybe you can call up CS to ask for more before you accept .. or ask from the person who call u

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: free or with minimum swipe

3. Card required for: Insurance, telco, gym, dining, ptptn loan ( recent), hotels

4. Existing credit cards if any: MBB dual Amex + MasterCard, aeon gold credit card! Citibank clear and cashback ( going to cancel it) hong leong essential ( going to cancel after revise cashback to 0.6% ) , mach hong leong ( chose savvy +dining)

5. Looking at CC from: Any card that gives high cashback without minimum swipes, going to start pay ptptn loan using cc, aiming for aeon watami but minimum rm3k per quarter, I'm not really high spender, looking for cc with lowest conversion if used overseas

6. Others: Monthly minimum spent Rm600

Thank you.