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.

We actually can use cc to reload touch and go? Where? I mean other than u have mentioned above

1. Annual Income: got revised to RM39.2K, is allowances counted as income as well? If yes, then RM43.2K

2. Free Lifetime Annual Fee:  Preferred None or Lowest Possible.

3. Card required for: Recurring [Fuel (Petronas / Petron / Shell), Bill (Unifi, Digi, Celcom), Secure Parking, Real-Debrid,  Google Play, Insurance AIA (Every 6 months), Spotify], Installments Plan, Cash Back & Rebates.

4. Existing credit cards if any: MBB 2 Card

5. Looking at CC from: HLB Essential? OCBC Great Eastern? CIMB Cash Reward Platinum?

6. Others: It will be my secondary card. Ikhwan got rejected.

I remembered a senior recce me CIMB CR Platinum before this when my income is RM36K annually, would it be the same now? Please advise. Appreciate it lots.

1. Annual Income:

2. Free Lifetime Annual Fee: A Must or by calling them but if possible free. Too lazy

3. Card required for: utilities, Pharmacy and others

6. Others: Im using HLB Wise and I'm happy with it. the 3 categories are phone, groceries and fuel. Want a second card for all the others expenses especially utilities.

Thanks

1. Annual Income:  RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Online transaction cash back

4. Existing credit cards if any: M2Card, cimb cash rebate

5. Looking at CC from: Any

6. Others: Currently capped at RM600 for 5% cash back, this will entitled to get RM30 cash back (Max), any other card that offer higher cash back than cimb cash rebate? I just wanna know

1. Annual Income:

2. Free Lifetime Annual Fee: A Must or by calling them but if possible free. Too lazy

3. Card required for: utilities, Pharmacy and others

6. Others: Im using HLB Wise and I'm happy with it. the 3 categories are phone, groceries and fuel. Want a second card for all the others expenses especially utilities.

Thanks

PBB VS and pay your utilities via UOBPayOnline.
Since you don't indicate income, I will assume it's more than RM 100k per annum.

thanks for ur advice. i learnt a lot from reading ur other posts in here.   is there anything other card that i can benefit from utilities also pharmacies?? is this the highest cash back for online transaction?? good idea on using uobpayonline.

HLB Essential 1% unlimited, now as of 1st Feb, reduced to 0.6%.

Further details in HLB website.

old news

Yeah, so far that's the highest for online at 6%. You can also get 5% from UOB VOX for UOBPayOnline.
For pharmacies, I can think of HLB Wise or just simply apply Aeon Watami for general purpose. It gives 3% cash back per quarter with minimum spending of RM 3k per quarter.

i remember u using uobonline for ur utilities.can u use it for unifi? coz i saw under communication its telekom and tmnet. Not sure.

1. Annual Income: RM50K

2. Free Lifetime Annual Fee: Yes/auto-waive with minimal swipes

3. Card required for: List all your needs
online shopping(e.g lazada....)

Priority on reward point, it is good if point are nvr expired.