Minimum income RM100k/annum and maximum rebate RM60 per month, equivalent to RM1000 spend?

sorry but what is pledging FD?

Care to elaborate more on Ambank True Visa (3%). I search their website didn't say anything about cash back or rewards.

currently using HLB Wise card, any advantages to jump over to CIMB card?

avg. mthly

petrol - rm250
TNB - rm230
Astro - rm220
insurance - rm350
celcom - rm150
unifi - rm150

Do I entitle for the cash rebate if i use CIMB Cash Rebate mastercard to pay for my phone bill online every month. Entitle for the 5% online cb or the 2% mobile cb ???

Or 2% cb mobile only applies if i do standing instruction only?

mean 5%-2.12% = 2.88% for tnb and unifi bill that pay via pos on9

Good day ladies & gentlemen,

Any advice to optimize cash backs & cards offering 0% balance transfer?

My data for consideration of the above:
1. Annual Income: paiseh to share exact, just enough to get Visa Signature / Visa Infinite / etc. but cut-up/rejected i hardly use those facilities

2. Free Lifetime Annual Fee: Yes please - even if not auto waive, call to waive like Citi is ok

3. Cards required for:
Major monthly expenses, in sequence of high-to-low total average monthly, charged to cards are:
a. Tesco & Giant groceries
b. Online shopping (mainly Tesco again)
c. Insurances
d. Mobile telecommunication bills
e. Utilities - TNB, TM/UNIFI, IWK, etc
f. Petrol

4. Existing credit cards if any:
a. MBB DuaCard: Amex + Visa - mainly earlier for the weekend cash back, now zzz

b. Citi Cashback - 2% groceries + mobile telcos EXCEPT Celcom (Citi killed cash back for Celcom payments a few months back)

c. PB Visa Signature - online spending 6%, groceries (miserably up to total RM60 cash back only)

d. CIMB Cashback - online spending 5% (miserably up to RM30 cash back only) + groceries 2%

5. Looking at CC from:
anything to optimize
a. insurance cash back (not the miserable 0.2%) or point to vouchers equivalent %
b. often offered 0% and >=12 months (lazy to track 3-6 months) balance transfers

6. Others:
no CCRIS issues + consistent / good repayer, thus getting a card isn't an issue.
just unsure what's good out there WITHOUT severe parameters like HLB's Wise or something - crazy, track how many transactions & must be more than $xx...
urgh
simplify + long term

Which card is suitable for utilities to replace my Wise card? Currently also have PB VS but using that mainly for groceries

what is your best credit card combination?

mine shown below:
PBB VS > Petrol and online (6%)
Lady's card (GF) > Groceries  (10%)
SC cash back > retail purchase (5%)
Ambank Infinite > PLL unlimited

cancelled Vox & Wise card.

According to their website, they do now.

Wanna get recommendation on getting a cash back cc for petrol of between rm200 to rm450 a mth at any brand of petrol station and anywhere, cash back rate at least 5%

According to my research, Citibank platinum cash back card wud meet my needs but I nd to apply for support card as the petrol spending is at family level. I m ready to cancel the card if af is not waived for principal and supp card after a year of usage.

Reason for not getting maybank vs is to leave it for d next yr if I ever cancel Citibank platinum cb card. Another promo cc wud b aeon cc which offers 5% cb on petrol until 15 Nov 2016.

Not using scb just one plat bcoz effective rate is only 3.4%. Not interested in uob one card bcoz it is 2% weekday n 5% weekend.

Pls kindly confirm or advise a better cb cc for my petrol if members here have better suggestion that cn meet my requirements.

Which card to use for monthly payment for Prudential insurance ? for CB purpose of course

What the best card for paying bills and get some rewards points and etc.

Is maybank 2 card still the best option.

haha really? i heard Maybank Ikhwan is good for petrol?
maybe can try in the future when i got a car