cimb cr plat or uob vox or ocbc ge card.

1. Annual Income: RM50K to RM60K

2. Free Lifetime Annual Fee: Preferably no.

3. Card required for: Petrol, Bills, Grocery, and once in a while in watson/guardian.

4. Existing credit cards if any: M2Cards Gold(rebate too little now), CIMB CR Gold(given free for mortgage loan but mainly use for GSC.

5. Looking at CC from: HL Wise card(but the condition of spending 10 times > rm50) or Mach

6. Others: In the past, swipe almost everything with M2Cards Amex.

Hi guys

I have 2 cards right now:

1) MasterCard Ikhwan for weekend cashback 5%
2) MU Card for TreatPoints and alcohol purchase which is haram under Islamic card

I need a card that can gimme cashback for
1) Weekday petrol
2) Digi and TNB expenditure.

Mind helping with recommendation?

Thanks

Hi,

Alcohol is no problem. As they track based on MCC code. So eg, if you buy alcohol in Tesco, it will go through and count as groceries.

Weekday petrol - MB VS, HLB Wise, CIMB CR
Digi and TNB - HLB Wise, PBB VS Aeon Watami (must spend RM3000 in 4 months to get cashback)

Er.. One quarter is three months not four months..

fyi, alcohol/pork/non-halal items were usually separated at different section in a hypermarket. although it's all tagged under grocery category, but it shows as non-halal in your receipt. it depends on mbb islamic to take action or not.

Since I already have the HLB Wise and Aeon Watami, I'm thinking of HLB Essential as it has 1% unlimited rebate.

Hi,

Can help me?

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must or Can be Waived

3. Card required for: Approx. Petrol (300), Groceries (500), Insurance (300), Utilities (300), Dining (300)

4. Existing credit cards if any: Maybank Gold PETRONAS

5. Looking at CC from: Citibank, HSBC, Hong Leong or recommend me

6. Others: Please be specific. Payment prefer by online. Looking for Cash Back benefit only.

Thanks

p/s: I requested Maybank card recently but got rejected few times. They don't want to give any reason.

HLB Wise.

But annual fees are a little hard to waive.

UOB ONE also can try. 2 years free, at least.

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Preferably yes.

3. Card required for: Online purchase through taobao - RM 3k-5k per month in RMB.

4. Looking at CC from: CIMB rebate/UOB Vox/etc..

This post has been edited by HellDevil: Aug 3 2015, 01:30 PM

CIMB CB / UOB Vox is good.

If you are a heavy user, CIMB supplementary card's CB is separate from the main card.

You could use it to get more CB compared to Vox in that sense.

That's if my memory served me well.

Side note : CIMB are known for cross border charges.

That aside, free lifetime annual fee, preferable no?

Anyway, as said by chiahau, VOX seems to be better. I have CIMB CR too and I have applied for VOX, once it is approved then I will cancel my CIMB CR.

Thanks. Both also capped at RM50 right?correct me if I am wrong.

Yes, capped at RM 50.

Else, take HLB Essential, unlimited 1%.

Sorry, that is typo.

yea, i almost forgot cross border charges. But is it all the CC also will charge this fee?

Is there other alternative CC other than this 2 cards fall under online category?

Not all banks have but CIMB definitely has.

I have recommended unlimited 1% - HLB Essential.

Yes. Ambank true credit card. 3% cashback. Capped at rm30. No admin charges.

You can consider AEON Watami 3% cashback. One of the lowest forex rates

This post has been edited by Ramjade: Aug 3 2015, 02:01 PM

I read somewhere that UOB VOX will only pay cash back if transaction is > rm50? Also need to swipe once per month?

Yes CB only if >=RM50. Swipe a month to avoid AF.

Both capped at 50 = Yes

But as for Cimb, the cash back for your supplementary cards are seperate from your principal card.

Thus theoretically, you could get more cashback if you split your transaction over 2 supplementary card with Cimb rather than just flat RM 50 with UOB Vox.

And the Vox have a monthly fee, if you don't swipe it at least once a month