apart from the road shows, you can check out ringgitplus.

Didn't get a rec last time, so posting again...

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must, or easy can get waiver

3. Card required for: Cash Back/Rebate Only, Groceries, Telco & Utility bills, Uber, Petrol, Retail Online/Offline, etc.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Citibank Cash Back Credit Card & CIMB Cash Rebate Platinum Mastercard

6. Others: Much prefer cashback, reward points can be extra. I don't drive a lot, just take Uber to and from work. I mostly cook at home, only dine out on weekends.

Summary of monthly spending:
Groceries-RM500
Astro-RM300 (pay online)
Uber-RM260
Utilities-RM200 (pay online)
Maxis-RM120 (pay online)
Petrol/TnG-RM100
Others (retail,online,going out weekends etc.)- RM500 - 700

Maybank Ikhwan MasterCard for groceries and petrol.
UOB VOX for utilities and Maxis paid via UOBPayOnline.
Check out this thread for TnG Reloads if you happen to be near to them, can use Ikhwan MasterCard to reload: https://forum.lowyat.net/index.php?showtopic=3757650
CIMB CR for Astro using Astro portal or you can use UOB VOX.
CIMB CR used to give cash back for Uber but these days hit or miss, so I assumed no more cash back.
CIMB CR and UOB VOX for online.

Others are too little for any general card. Just use any card which gives you some cash back or reward points.

Can use Aeon big card as general card and then pay the bill using uob vox? Is it worth the cashback?

This post has been edited by xxawesomexx: Jul 20 2016, 08:38 PM

Yes, you can. You can pay back using your existing CIMB CR too. You have to pay with PosOnline which charges 2% service fees. So you still earn 3%. However, the site doesn't seem to be stabilized recently.

Looking for good card to get at least 5% rebate for groceries and petrol on Sat or Sun. So far only notice Al-Ikhwan but it's for Fri and Sat only...

Currently using Wise but gonna reach 1 year soon...gotta cancel it cause don't wanna pay for annual fee for primary and subsidiary.

This post has been edited by Duckies: Jul 21 2016, 08:17 AM

it's MBB Ikhwan Mastercard NOT Al-Ikhwan 5% CB for Petrol, groceries spend on Fri/Sat

Ah sorry my bad. Any recommendation for petrol and groceries?

Also I like to pay bills online as well. Don't mind applying few cards for different purpose.

This post has been edited by Duckies: Jul 21 2016, 08:30 AM

UOB One Card, Citibank CB Card - Grocery, petrol

UOB Vox- 5%CB, It's Good for Online Spend, pay Utilities bill via UOB Payonline.
(MUST with a minimum spend of RM50 in a single receipt/transaction)
- Capped at RM1,000 Spend with Max. CB RM50 per month & Monthly Fee (RM6.36) will be Waived with 1x Swipe/month.

This post has been edited by fly126: Jul 21 2016, 08:46 AM

Oh nice recommendation for the UOB Vox since I did pay a lot of bills online! Does buying from sites like Lazada and 11 street counts as online spend as well?

Grocery and Petrol I will probably aim for Citibank. Let me check which 1 of them has free annual fee for life.

Need 1 more card for dining and shopping (clothes, make up and etc for my mom and sis). Any recommendation for that?

This post has been edited by Duckies: Jul 21 2016, 08:55 AM

Only Citibank Choice Card it's FEE FREE for Life

HLB Mach

This post has been edited by fly126: Jul 21 2016, 08:54 AM

Oh I see. But first year annual fee is waived right?

Hmm..HLB Mach..5% for dining and 2% on style. Is there any other cards?

I am thinking below combination
1. UOB Lady Card : Grocery = 10% rebate
2. HLB Wise : Petrol + Utility 1 + Maxis = 10% rebate
3. UOB Vox : Ultilite 2(TM via TM Portal / UOBPayOnline) + Internet (Time Fiber via UOBPayOnline) = 5%
4. Aeon Big (+UOB Vox/PB Visa Sig) : Insurance + Utility 2 + Internet + Food = ~3% rebate

Terminate : MBB2C
New : UOB VOX, PB Visa Sig, Aeon Big

Question : Any better option for item#3/4 which having better rebate from 3/5%

This post has been edited by tachlio: Jul 21 2016, 09:52 AM

1. Lady's card hit and miss. Only females can get it btw

Sometimes 23rd of the month still can get grocery CB while sometimes 2nd of the month already don't have.

Probably have a look for SCB Gold MasterCard, spend on shopping

Btw guys do u know if Public Bank Petron card can be used inside the counter? Or must pump outside 1?

For now I will get these:

UOB Vox: For my parents and my house's bills
Citibank Cash Rebate: For grocery and petrol

Cancelling: HongLeong Wise since need annual fee for second year

Still looking 1 more card for dining and clothes..so far got 1 recommendation -> HLB Mach.

Yes, check out UOB thread's first post to know which we have tried so far.

No, unless you can get PBB VS.

On another hand, if you have been getting RM 100 every month from Wise, what's the problem of paying AF? After all, it is really a good card. I have Wise along with VOX, MACH and Ikhwan MasterCard to name some.

No, but if you want to save your hassle, you can cancel VOX just stick to PBB VS. Easier maintenance.

Problem is I don't usually get that much rebate from Wise. Most of the time it's just 30-40 bucks monthly.

And I don't think I can get Public VS as my annual income is not as much as that.

Then, you are not maximizing the benefits of Wise. OK, it is wiser to cancel it.

If you cannot get PBB VS for dining, your only choice is only HLB MACH. My pure card for dining transactions.

Yea...1 more question. Do you know about PB Petron card? Do you know if it can be used in the counter or must pump outside like Wise?