Thanks fruitie.. i will try buying etiqa insurance today...

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: any

3. Card required for: installment plan, online shopping from taobao, amazon and other.

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

main use for online transaction and installment plan.
pls recommend any bank card.
thx.

Online transactions - CIMB Cash Rebate, UOB VOX

Good luck and report back to the thread once you get cash back.

I have Citi Double Cash Credit Card: $0 annual fee. Earn 1% cash back on purchases, then an additional 1% back when you pay them off. Introductory APR of 0% for 15 months on purchases and balance transfers, and then the ongoing APR of 13.24% - 23.24% Variable . 3% foreign transaction fee.

thanks for the recommendation will do more research.

1. Annual Income: RM78k

2. Free Lifetime Annual Fee: Must can be waived.

3. Card required for: The lowest interest rate for Cash/Cheque on Call for payment duration around 2-3 years.
4. Existing credit cards if any: HLB Wise Gold

5. Looking at CC from: Nil

a credit call like this is not recommended as they are usually a lot higher than conventional personal loan. I would strongly advise to consider loan option rather than this. Another option is to consider using your existing card and Balance Transfer the credit to another bank card that offers 6 months or 12 months interest free installments.

if possible, try not to get in debt whenever you could.

since I don't get any recommendations, my question is
is HLBB Essential the best card for RM40,000 lump sum payment of PTPTN?
I will get back RM380 using this card..
Any other suggestions?

Well, there are few general usage cards like OCBC GE Plat (some said cannot be applied anymore) and Alliance You:nique, you may need to see which one works the best for you.

Try SCB Cash Back Gold & Alliance Younique card
http://youniquecard.alliancebank.com.my/Yo...bates_v1.0.html
https://www.sc.com/my/campaign/cashback-gold.html

Not groceries. Example like uniqlo, padini, h&m....

Hye i would like to purchase Samsung phone from retail shop..
I would like to know which card gives best cash back diskaun?

Btw Is this maybank card reliable with the lazada voucher


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1. Annual Income: RM30~

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Education, Cash Back/Rebate Only, Overseas/Online Transactions

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybank

6. Others: i would like to apply for my first credit card (to ease payments & booking online). which card would suit me most?

there is no 'Online' usage card from Maybank. But for petrol, you can consider Maybank Ikhwan card.

if you don't mind other banks, then UOB VOX and CIMB Cash Rebate card are good for online.

May I know what's the best cars for paying utility bills? Previously used mbb2card and not getting any cb until now with all my bills. Did a bit search and it seems that uob Vox was suitable. Does Vox give cash back for bills payments such as tnb and unifi?

Yes, provided you pay using UOBPayOnline. UniFi can also be paid with TM Portal or OCC Unifi, you can also get it.
Else, if your income qualifies for Public Bank Visa Signature is also another good card.

thanks for your reply. However, i checked from ringgitplus there is a quote mentioned 'However when we say online retail shopping we don’t mean bill payments or insurance premiums.'. Does this means unifi bills was not entitled for 5% cashback?

Check out UOB thread first post for those merchants we have tried and work. I have paid before both Unifi and TNB, no issue at all to get cash back on VOX.
Until one day it decided to close it.

Thinks for the confirmation, going to get one soon for my bills