if i'm looking for a card for cash back for basic spending (not petrol or groceries), which card is the best?

ocbc?

check out AEON Watami

application of new watami card is already suspended

so, is OCBC 365 MasterCard good enough? 1% of everything?

It has annual fee...have a look at OCBC GE card

only on retail spending, so no rebates for insurance?

http://www.ocbc.com.my/assets/pdf/Cards/tnc_card_ge2015.pdf

Clause 5 details the type of eligible transactions. It should come under (i) but maybe check with OCBC for confirmation. Do share with us the answer, I am looking at this card for insurance too.

1. Annual Income: 50-60k

2. Free Lifetime Annual Fee: Preferably, or can be waive.

3. Card required for: Insurance, petrol, phone bill, groceries, cash back, shopping discounts.

4. Existing credit cards if any: Public Bank Gold (auto debit for my insurance only) & Hong Leong Bank Gold (daily expenses eg : petrol, groceries, fb, phone bill auto debit)

5. Looking at CC from: Any recommendation that meet my above requirements

6. Others:

MBB ikhwan
HLB Wise

Hi, i need some recommendation for my first credit card.

1. Annual Income: RM42k

2. Free Lifetime Annual Fee: prefer free if posibble

3. Card required for: (Priority Wise) Petrol (fill at Petronas) , online purchase (google play/ steam) and easy pay (installment)

4. Existing credit cards if any: First Timer

5. Looking at CC from: CIMB petronas / CIMB cash rebate

6. Others: I dont care about point.

Petrol - Maybank Ikhwan MasterCard
Online purchase - CIMB CR or/and UOB VOX for transactions above RM 50. VOX you will just need to swipe once at any amount to avoid its monthly charges of RM 6.00 and can be used to pay for certain bills. CIMB CR is free for life but it has this 0.8% of cross border charges and most bill payments are not accepted.

Not sure about installment because I don't do installment.

Hi, I am asking for my dad.
1. Annual Income: Not sure, since he is doing his own business.

2. Free Lifetime Annual Fee: Not a must

3. Card required for: Petrol (above RM1k per month), Flight Tickets

4. Existing credit cards if any: Ambank Mastercard Gold

5. Looking at CC from: Any bank will do

6. Others: No reward points, useless for him.

Thanks.

WISE Card - Petrol at 10% rebates everyday use

Is flight tickets bought online or through office/agent?
If online, can consider VOX from UOB

if income is high, go for MBB Premier for air miles collection

Thanks for the recommendations. Usually tickets are bought online.

Is WISE card the better card for him compared to VOX card? Since he can hit 2k per month for just petrol alone.

Wise is for petrol. You can another Maybank Ikhwan MasterCard for petrol too but cash back only applies if pump on Fridays and Saturdays.

VOX is for online transactions, nothing to do with petrol.

1. Annual Income: RM33K - RM48k

2. Free Lifetime Annual Fee: a MUST for me

3. Card required for: Anything that can use card

4. Existing credit cards if any: Maybank 2 Cards, HSBC Amanah , RHB Travel Money

5. Looking at CC from: Citibank but banker dont wan to proceed my application as my basic / EPF deduction does not reach 36k/annum but my Gross yes

6. Others: Will Cancel RHB soon or just keep ? AF cant be waive, thats why looking for replacement of this RHB useless card

Have you tried Maybank Ikhwan MasterCard?

1. Annual Income: RM60K to RM100K (basic 60k, incentive uncertain)

2. Free Lifetime Annual Fee: Prefer free or waive-able unless I do utilize the benefits kao kao

3. Card required for:
Often spends on groceries/retail item (supermarket) (anywhere 5k-10k a month)
Dining or drinking ~ 2k
Petrol ~ RM500
Airticket (usually Airasia) ~ Let's put it at minimum RM1k a month

4. Existing credit cards if any:
Maybank2Card Gold
OCBC Titanium
Stan Chart Business Plat
Citibank Business Plat (cancelling it in 5 minutes)

5. Looking at CC from: Preferable not from Citibank (They spam too much with their insurances product)

6. Others:
I would love to have free access to airport lounge since I travel quite frequently but those card usually have higher than what I earn requirement (120-180k)
What is the best card I can get in rewards/benefit according to my spending behaviour? (All the card I am holding now are practically useless, all their benefits have been removed lol)

try these:
- HLB WISE (dining, grocery)
- HLB MACH (dining)
- MBB VS (Petrol, Grocery)
- AEON Big Gold (grocery, petrol, lounge)

Maybank Ikhwan looks good. Will apply for it. But for UOB VOX and CIMB CR...still can't decide which card to get. My utilities will be TNB and mobile and internet bills like Celcom, Dgi, UMobile and P1. I hought it'd be easier to go with CIMB CR since it's free without condition but saw in later post, you mentioned most bill payments are not accepted. Help?