1. Annual Income: 100k

2. Free Lifetime Annual Fee: Yes

3. Card required for: petrol, groceries, celcom bills, unifi bills, insurance premium and online purchase

4. Existing credit cards if any: maybank 2 cards plat, HL Mach, cimb gold

5. Looking at CC from: maybank ikhwan mastercard plat

Please recommend me a card or 2 sifu~!

This post has been edited by h11g: May 20 2016, 03:20 PM

PBB Visa Signature- 6% Cash Back on Grocery, Dining and Online Transaction
MBB Islamic Ikhwan Mastercard - 5% CB for Petrol, Groceries Spend on Fri, Sat.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: No (if rebate worth for the annual fees)

3. Card required for:

- Petrol (300/month) - Maybank Ikhwan (Friday/Saturday) / AEON Big (Sunday)
- Groceries (400/month) - Maybank Ikhwan
- Insurance (600/month) - - CIMB Cash Rebate
- Utilities - Unifi, TNB, Astro (600/month) - CIMB Cash Rebate
- Mobile (85/month) - CIMB Cash Rebate
- Online Shopping (200/month) - CIMB Cash Rebate
- Others (500/month) - CIMB Cash Rebate

4. Existing credit cards if any:
- Maybank Ikhwan Mastercard
- NEW AEON Gold
- AEON Watami (replace by AEON Big soon)
- CIMB Cash Rebate
- Maybank2Card
- OCBC Titanium

5. Looking at CC from: Any cash rebate card other than currently holding

6. Others: since AEON watami is discontinued I have to switch my monthly expenses over for more cash rebate, looking for any cards that can benefit more on Insurance/Utilities spending. Just apply for HLB Wise & Essential last week but get rejected, was thinking to use HLB Wise mainly for Petrol & Groceries, then Essential for Insurance and others. Now I have no idea which card to replace it.

You bill payments can use UOB VOX.

PBB Visa Signature - 6% Cash Back on Grocery, Dining and Online Transaction
Alliance You:nique - for Insurance & Other Expenses It's Up to 3% CB, quite similiar with HLB Essential
http://www.alliancebank.com.my/younique

Maybe can consider Potong the Useless OCBC Tit. before you decide to get Extra CC...!

This post has been edited by fly126: May 23 2016, 12:28 PM

I suggest the Standard Chartered Just One Mastercard platinum card. Just need to put 2K a month on it to earn 10% on petrol. Sometimes when I top up TnGo at petrol stations, it qualifies for cash back too. Should be easy to get 2K on it with your home purchases - but first I suggest get the 10 transactions on Wise first.

He did not want a Petrol CC...!
He Need a card for his house renovation and house furniture Expenses.
FYI, Standard Chartered Just One Mastercard platinum card only earn CB on Petrol, Other Retail spend don't get any Cash-back...

Agree. The Just One is an indirect way of increasing Cash back for him. Just my suggestion, that's all.

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Good to have

3. Card required for: Frequent local traveller via Malindo or Fireflyz, good if can provide insurance so no need to buy insurance everytime

4. Existing credit cards if any:
Maybank Ikhwan Visa Petronas

5. Looking at CC from: Any

6. Others: -

1. Annual Income: RM33k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any (Islamic)

6. Others: 1 month payslip can apply?

I supposed you want a card which can buy flight tickets. UOB VOX then.

Cash back for? Please specify your potential spends.

Try with 3 months payslip will be better.

with 3 Month payslips better as a Proof of U already got a Steady, Stable Job with Fix Income...

MBB Islamic Ikhwan Mastercard- Lifetime Fee Waiver, 5% Cash-back for Petrol & Groceries on Fri, Sat.

This post has been edited by fly126: May 23 2016, 08:37 PM

sorry wan to ask is it every groceries shop also can?

bump you here instead.

what other cards you carrying?

i'd suggest HLB Wise but not sure if you have it or rejected before.

I never apply this car before, because it needs at least 10 transactions per month.

I have such amount of transaction to perform per month, but I have to utilize it at another credit cards which give more reward. (wise also got AF that cannot be waived, so i cant waste all my transaction in this card)

so besides wise card, what else I can use? so far i see the list, only UOB One and Citi cash bate card got rebate for telco(2%, not limited to recurring bill)

any else?more reward?

how much is your mobile/telco bills per month? which telco?

if on average >RM500, HLB Wise's 10% cashback suits you. worth the AF if you trying to max the card each month.
if on average about RM200, then Wise is definitely not suitable. use other cards with lesser benefits but convenience in paying the bills.

Thanks guys, appreciate your help and suggestions here!

It should on Any Grocer, if they Accept CC.

ya, around 100++ only actually, haha

all those card with retail spending cashback like watami, scb gold, alliance younique i will utilize it all at the start of the month,

so, i cant just put my spending in those retail spending rebate card since after capping, those cards are useless liao

so remain for the card has explicit rebate on telco spending.

In conclusion, i assume that only UOB one and citi cash back liao right.

if that's the case, either card would suffice.