instead, maybe can purchase aeon voucher using your ikhwan for 5% instead of using aeon gold.

1. Annual Income: RM36K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: i use (rm 200- Petrol) , (rm300- Groceries) , (rm-rm500- online shopping) and *(rm4500- pay bill), (rm300-others).

4. Existing credit cards if any:ambank carz, hsbc visa platium, hong leong sutera visa platium.

5. Looking at CC from: CIMB Cash Rebate Platinum MasterCard & hong leong wise or other better card.

6. Others: Please be specific: prefer cash back then reward points. i spend money on weekday only.


*for 3house billing.
Big brother please recommend. tqvm.

This post has been edited by lowyatloon: Apr 19 2016, 07:43 AM

I have been doing that all the while, buy aeon vouchers on Sat then use it on Sun. Only do this if you are sure that the terminal they use is under Supermarket and not Departmental.

Correct, can double check the MCC at the MCC thread.

Something just came across my mind, if shop at Aeon/Aeon Big, might as well use New Aeon/Aeon Big card respectively, then use PBB Vs/UOB Vox/CIMB Cr to pay back via Posonline, the effective cashback might be more than Ikhwan 5%. Also save the hassle of just going there to buy vouchers/gift cards.

If already own PBB VS might as well just use it for the voucher. Still a safer method than posonline.

This post has been edited by Human Nature: Apr 19 2016, 10:08 AM

Seem that No Waiver on HLB Wise...

UOB Vox - Paid your Billing or Utilities via UOB Payonline
Maybank Ikhwan - Petrol, Groceries

Maybe can also consider HLB Essential for Others Usage

This post has been edited by fly126: Apr 19 2016, 11:39 AM

bro fly126, still undecided on which to take

HL Bank Essential credit card or alliance unique credit card?

She is sis

How much do you spend every month? Do some calculation first, if effective rebate >0.6% then choose You:nique, if <0.6% choose HLB Essential.

Hi all, need advice on any new credit cards is good now. can be redeem point or CB. Currently using MBB cz to collect point only.

1. Annual Income: RM78K

2. Free Lifetime Annual Fee: waived

3. Card required for: insurance, groceries, unifi, maxis, petrol, online shopping, ultilities

4. Existing credit cards if any: maybank 2 cards, ikhwan platinum MBB

6. Others:

HLB Wise is great. but any 2nd card can recommend for higher cap/month. my monthly bill rm 4500, use hlb wise pay tnb rm50x10 time= rm500, still have rm4000 left. please... online search a lot but dont know which is suitable. how about CIMB Cash Rebate Platinum MasterCard?

This post has been edited by lowyatloon: Apr 19 2016, 12:21 PM

Perhaps a 2nd Wise card from spouse/family members? Also, you only pay RM500 using Wise? What about the rest RM500? For other categories?

Take Alliance You: nique Better, becos HLB Essential NO Petrol CB
As,
HLB Essential ( I got it)
• 0.6% unlimited cash back on insurance transactions Or Other retail transactions but No CB on Petrol
• 0.6% cash back on RM5,000 spend (tier 1)
• 1% unlimited cash back on subsequent spend (tier 2)

This post has been edited by fly126: Apr 19 2016, 12:37 PM

Thanks for reply.
I pay rm50x20time get max cap rm100(10%), still left rm3500 to earn more cash rebate. U are right, maybe can apply another 3 or more card for hlb wise. Haaaa

I also looking for higher rebate cc for online purchase. Any suggestions?

PBB VS (6%) if your annual income is RM100,000, else UOB Vox (5.3%) or CIMB Cash Rebate Plat (5%).

Ok pun...

CIMB Cash Rebate Platinum MasterCard you can Get,

2% CB on Utility, Mobile Bill Payments via Standing Instruction (Auto Debit)
2% CB for Petrol, Groceries
5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month)
0.2% CB on Othera Retail Spend

With Total Maximum CB capped at RM50/month

http://www.cimbbank.com.my/content/dam/cim...July%202015.pdf

urm, for petrol cash back i have my citibank to cover for it. my purpose for this card is sometimes i would use a big sum to purchase something but not very often. for example... thinking of getting a proposal ring with this new card. so thinking which cashback rebate is better for it.

For me I chose SCB Cashback Gold. You may check it out here: https://www.sc.com/my/credit-cards/goldcard/gold-card.html

This post has been edited by kelvinlzy: Apr 19 2016, 02:44 PM

but the card u recommend has a cash back cap at 50 per month for spending over 1.5k

Like that, You should get HLB Essential Easy -peasy, hassle free...

This post has been edited by fly126: Apr 19 2016, 04:01 PM