Well, both have their own pros and cons. I have both to ease my life.
Honestly, most of my online purchases are charged to VOX rather than CIMB CR.

This is my own summary for these cards:
i) CIMB CR is a free for life card while UOB VOX is not, you will need to spend at least once per month (no minimum amount) to avoid RM 6.00 monthly charges.
ii) CIMB CR has no minimum amount for online transactions in order to be eligible for cash back but VOX requires you to spend at least RM 50 per transaction to be eligible for cash back.
iii) CIMB CR's maximum cash back for online transactions is only RM 30 (that means max spending for online transactions is RM 600) while VOX can be fully maximized at RM 50 (for RM 1k of spending).
iv) CIMB CR's has a fixed date of cash back crediting while UOB VOX sucks here and according to T&C, it is by 30th of the following month. Sometimes the VOX's system behaves while sometimes it doesn't. I'm involving BNM in this matter.
v) CIMB CR has cross borders charges (read here) while VOX doesn't have.
vi) CIMB CR's maximum cash back for online transactions is only 5% while UOB VOX is 5.3% (5% - online transactions + 0.3% retail transactions).
vii) CIMB CR doesn't give cash back for flight tickets while UOB VOX gives.
vii) CIMB CR doesn't give cash back for UOBPayOnline transactions while UOB gives (refer to first post of this thread).

So in conclusion, apply for both.

actually uob vox started out not that popular among us, as it exclude utilities payment too. but somehow someone started testing to pay via uobpayonline and later few more tested different utilities there, and then the rest becomes history. otherwise, uob vox will not be that good already if utilities are excluded.

i just used my vox for online purchase like lazada/11street/etc previously. but i will start to use it for bills via uobpayonline soon, now that many confirmed receiving cb from vox for utilities, and watami is dead.

Well, my main thing with this VOX is my spending of flight tickets which CIMB CR can't give me any cash back.
I hardly pay anything with UOBPayOnline using VOX.
It is just my backup card if my Wise is maximized and I will need to pay some bills urgently.

Actually I only started looking into this card when AmEx was basically dead since August 2015.

This post has been edited by fruitie: Mar 20 2016, 02:45 AM

1. Annual Income: RM120K
2. Free Lifetime Annual Fee: Yes if possible or below 300
3. Card required for: Petrol, utilities, insurance, cashbook (optional)
4. Existing credit cards if any: BSN Visa Platinum
5. Looking at CC from: None

HLB Wise
https://forum.lowyat.net/topic/3894494

you may also consider PBB Visa Signature.

Dead? Dead as in not good anymore or they no longer offer good cashback condition?

Not good and no longer offer good cash back.
Not good = TP entitlement will be revised again effective 15th April 2016
Cash back = Already reduced to only dining cash back during weekend effective 1st August 2015

Haha! No wonder they offer me now la. They offer me Amex with another card together after rejecting my application last year June during Maybank treats fair. Guess they are kinda struggling to get new customers since they have already revise their CB..

1. Annual Income: RM120K
2. Free Lifetime Annual Fee: Yes if possible or below 300
3. Card required for: CASHBACK for general purchases, dining & other
4. Existing credit cards if any: Using WISE for petrol + groceries
5. Looking at CC from: Anywhere

HLB Essential, Alliance You:nique or SCB Cash Back Gold for general usage & HLB Mach for Dinning

May also consider PBB VS for grocery, dining and online expenses.

Hi guys, I'm planning to apply Maybank Islamic MasterCard Ikhwan for petrol usage and HLB Mach for dining.
Annual Income : RM28k
Does that meet the min requirement?


This post has been edited by Nando's: Mar 21 2016, 04:08 PM

yes for HLB(24k), no for Ikwan(30k)

CIMB Cash Rebate for petrol. 2% but it is everyday, unlike Ikhwan.

Already applied but for reason unknown, my application got rejected. Didn't bother to appeal.

Thanks for the recommendations, just to be sure, so there's no
straight up 1% Cash Back card out there without stupid minimum spending rules?

Last times got, skarang dah tiada liao

HLB Essential: https://www.hlb.com.my/main/assets/files/ne...and-updates.pdf

Alliance Younique card http://youniquecard.alliancebank.com.my/Yo...bates_v1.0.html

SCB Cash Back Gold: https://www.sc.com/my/campaign/cashback-gold.html

Alternative...
OCBC Great Eastern MasterCard (No cap on rebates)
* 1% rebate on first monthly spend of RM1,000
* 0.5% rebate on subsequent spend above RM1,000
OR

If U are a Business Proprietor,
RHB Platinum Business Credit Card
* Cash rebate of 1% for retail charges (except for Petrol, Government, Cash Advance & Charity transactions)
http://www.rhbgroup.com/products-and-servi...ess-credit-card

+ Do check on PBB Visa Signature - 6% Cash Back on Dining, Grocery, and Online Transaction with 6% cash rebate is capped at RM50 per month per principal account.
https://forum.lowyat.net/topic/3818277

This post has been edited by fly126: Mar 22 2016, 11:11 PM

1. Annual Income: RM55k
2. Free Lifetime Annual Fee: Yes if possible
3. Card required for: PTPTN & Insurance (700~1k monthly)
4. Existing credit cards if any: Maybank2cards, HongLeongWise
5. Looking at CC from: Any

Thanks in advance!

HLB Essential, Alliance Younique card
https://forum.lowyat.net/index.php?showtopi...post&p=79216158

This post has been edited by fly126: Mar 22 2016, 06:48 PM