Standard Chartered Cashback Gold (PTPTN) & HLB Essential (Insurance)

This post has been edited by WhitE LighteR: Mar 22 2016, 07:07 PM

I afraid only HLB Wise will suit U Best

Excellent suggestions! I think I'll go with Mach for the 6% dining,
and go with Alliance You:nique for Rest and IT purchases (buy one PC already 2-3k)
Thank you Fly!

Mach for dining is 5%;
PBB VS for dining is 6%

Oh right, thanks for pointing that out, Is there a cap for Mach? PBB VS is capped at RM50 rebate which is only a spending of RM833.

MACH is capped at RM100 per quarter.

This post has been edited by laymank: Mar 23 2016, 11:05 AM

Hello guys, please recommend me a credit card.

1. Annual Income: RM28k

2. Free Lifetime Annual Fee: Yes (if possible)

3. Card required for: Petrol, groceries, cashback/rebates

4. Existing credit cards if any: -

5. Looking at CC from: Any

Thanks in advance

UOB One, CIMB CR or HLB Wise.

1. Annual Income: RM130~k
2. Free Lifetime Annual Fee: Yes if possible or below 300
3. Card required for: CASHBACK, POINTS and PRIVELAGES for overseas spending. Access to premium lounges at airports will be a plus.
4. Existing credit cards if any: HSBC MPower Platinum
5. Looking at CC from: Any banks

Thanks in advance!

This post has been edited by Aztec: Mar 23 2016, 07:07 PM

please beware that younique is tier based

spend 1k = 1k * 0.5% = 5, effective 0.5%
spend 1.5k = 1k * 0.5% + 500 * 1.5% = 12.5, effective 1%
spend 2.5k = 1k * 0.5% + 1k* 1.5% + 500 * 3% = 35, effective 1.4%
spend 3k = 1k * 0.5% + 1k* 1.5% + 1k * 3% = 50, effective 1.67%
spend 5k = 1k * 0.5% + 1k* 1.5% + 1k * 3% + 2k *0.3% = 56, effective 1.12%

Good example!

Suggest you go for,

1. PBB Visa Signature (cashback, points, campaign for overseas spending and 3x PPL access, AF waive with 12 swipes)
2. RHB Visa Signature (5x PPL access, free for life without condition, lousy cashback but got lah)
3. PBB WorldMaster (since you are new to PBB, you can get life time waiver)

Asked this before, but the previous recommended card Watami no longer available. So looking for another card for insurance payment (with cashback). Any suggestion?

HLB Essential

1. Annual Income: RM100k - 180k
2. Free Lifetime Annual Fee: Yes if possible
3. Card required for: Anything NOT utilities, grocery, dining, petrol. ~20k spending per annum
4. Existing credit cards if any: PBB VS, Maybank Ikhwan
5. Looking at CC from: HL Visa Infinite

Hi, I am looking for a "Everything else" card that is not covered by my existing card.
My dilemma is I am not sure if i should find a enrich miles card or a unlimited 1% card. My annual CC expenditure is not that much that I will accumulate lots of miles and I am scared that it will expire before I have enough to claim.

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

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

It doesn't really sound like you need more credit card, to be honest.
If you travels, maybe can consider those cards that give you Plaza Premium Lounge free access without condition, such as RHB VS.

1. Annual Income: RM100K +/-
2. Free Lifetime Annual Fee: Essential (cheepo me)
3. Card required for: something that compliments my MBB 2 card platinum
4. Existing credit cards if any: citibank platinum mastercard/ just approved (5 mins ago) MBB 2 Card platinum
5. Looking at CC from: any bank.

Is it necessary for me to get a Mastercard? Basically, I will be canceling my Citibank platinum card soon.

1. Annual Income: Around 27K

2. Free Lifetime Annual Fee: Must Free or Easy Waive

3. Card required for: Petrol, Online Shop, Cash Back, Dining.

4. Existing credit cards if any: None.

5. Looking at CC from: No CitiBank, HLB.

Petrol + Grocery
- MBB Ikhwan
- AEON Big

Online
- CIMB Cash Rebate
- UOB VOX

Dining
- HLB MACH (which you don't want)