I thought the process is automated whereby petrol has a special code. The moment u pump petrol baru masuk that code

1. Annual Income: RM60K to RM70K

2. Free Lifetime Annual Fee: A Must or if the bank allow to waive yearly after reviewing (if it's really that good CC)

3. Card required for: List all your needs (spending as below)
Petrol - 400 monthly
Insurance - 450 Monthly
Car Maintenance - 1500 yearly
Dining - 300 a month
Utilities - TNB 400 a monthly, UNIFI 300 monthly, Maxis 300 monthly
Groceries on weekend about 200-300 per month.

Required : Looking mainly for Cash Back/Rebate Card

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybank /CIMB/ Citibank and open to others

Noted and thanks

Free for life option :

1. MBB Ikhwan - 5% for Petrol and Groceries during Fridays / Saturdays.

2. MBB 2 cards - 5% for Dining on Sat/Sun

Not-so-free option :

1. MBB Visa Signatures ( 70k PA ) - 5% for petrol and groceries all day long. ( Note that AF : 500 is waive-able upon spending of 50k PA. )

2. HLB Wise - Quite hard to explain but can cover most of your needs if you plan your swipes. ( 50 swipes * 10 per month + AF of 180 ( so far not much report of waivers ) ) Please head to the Wise thread for more information.

3. UOB One - 5% petrol on weekends. 2% on weekdays. ( AF free for 1st 2 years, after that it's probably a useless card )

4. UOB Vox - For online utilities payment of your TNB and Unifi ( 5% off )

5. Aeon Watami - 3% quarterly rebate for anything except ( Petrol ).

6. Standard Chartered Cash Back Gold - Tiered Cashback but achieving RM 888 per month would get your an effective 3% CB. There's T&C to this so please head to the SC thread for more info.

Overall -

There's no one card to cover all. You need multiple cards.

1. Aeon Watami to cover for insurance and car maintenance.

2. Groceries/Petrol on MBB Ikhwan / VS

3. Utilities on UOB Vox.

4. Dining on MBB 2 cards if you want.

Thank for your swift reply.

Im considering MBB 2 card platinum and MBB Ikhwan. is it okay?

Apply Ikhwan 1st.

Coz approval rates for Ikhwan is very bad.

And you don't have cover for your insurance if you don't get watami.

To add on, your insurance is only RM 450 per month which is RM 1350 per quarter. In order to get cash back for Watami, the minimum spending of RM 3k per quarter is required. So you still need to chuck in your other spending (excludes petrol) here to get the cash back.

Oic. how about utilities?

Wahh.. so bad?

Any idea to get both card?

anything but petrol.

What is best internet cash back card?

Internet best cash back? I assume you meant online transactions. CIMB CR, UOB VOX and PBB VS.

0.5% Pbb is not attractive

It's Public Bank Visa Signature. (6%)

Visa Signature la. 6% cash back, highest for online transactions.

What are the conditions to waive the annual fee CIMB World Mastercard?
Anyone can list down the pros and cons of this credit card?
I would like to apply this card in order to enjoy the discount of 15% to purchase liquor/spirit at Eraman KLIA/KLIA2.

CIMB normal WMC/VI annual fee is waive for life

http://www.cimbbank.com.my/en/personal/pro...ional-golf.html

1. Annual Income: Around 80K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol

4. Existing credit cards if any: none

5. Looking at CC from: Any

Free for Life No Annual fee Maybank Islamic Ikhwan CC, 5%Cash Back on Petrol, Groceries on Fri & Sat.

1. Annual Income: Around 36K

2. Free Lifetime Annual Fee: Free or auto waive with minimum swipe

3. Card required for: Petrol, telephone bill, insurance & cash rebate

4. Existing credit cards if any: none

5. Looking at CC from: Any