UOB One card. If you have achieved 30k per annum, then can also add in Maybank Ikhwan.

I guess, it's better you fill in the template posted in first post.

This post has been edited by fruitie: Aug 1 2015, 10:31 PM

It depends. CIMB CR has no minimum transaction unlike VOX which is RM 50 in order to get cash back.
CIMB CR offers 2% cash rebate for standing instruction for certain bills.

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

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.

Yes, capped at RM 50.

Else, take HLB Essential, unlimited 1%.

Not all banks have but CIMB definitely has.

I have recommended unlimited 1% - HLB Essential.

Maybank 2 Cards Premier. Thread: https://forum.lowyat.net/topic/3135958

How much are you expecting? Most of the banks give RM 50. That's also most of the banks are revising the benefits, enjoy while you can.

Else you can see HLB Wise but you will need to swipe RM 50 x 10 to activate cash back.

This post has been edited by fruitie: Aug 8 2015, 02:09 PM

If unlimited then 1% lo, HLB Essential.

You are not their only customer. Most of the users pay in full and on time, basically they don't really earn a lot.

You can try MBB Visa Signature, income requirement is 100k per annum. It gives 88 bucks cash back.

FYI, loans cannot be paid with credit cards.

Yes, but one month you can get RM 88 assuming you fully utilized it.

For VOX to pay UniFi is still unverified yet, suggest not to recommend things which are not confirmed yet. So far verified is for Streamyx but not UniFi.

For insurance, can try Aeon Watami.

I'll prefer to try and verify rather than taking words of CS.
Sometimes I think we are more well-informed than the CS.

Can't blame him la. That's the range given in second post.

You were the one missed it.
Let me rephrase, he did nothing wrong. This is based on second post template, the range is from 60k-100k. He jut put it. 70k-80k also within 60k-100k right?
How would he know so much of things?

This post has been edited by fruitie: Aug 17 2015, 11:00 AM

You can try UOB One Plat for 2% groceries.
Or apply MACH and choose TrendSetter package for dining - 5%. Then change your HLB Wise package from dining to groceries.
You have to weigh which is more useful to you.

That's a much better idea.

Post as per template in first page.

Online purchases - CIMB Cash Rebate Plat, UOB VOX
Dining - HLB MACH, HLB Wise, MBB2AmEx

For dining, why don't you change to MACH. Then spare HLB Wise for utilities.
Well, the only trade off is 5% vs existing 10%. Unless you dine super a lot, else I think MACH is a better option or maybe even PBB VS.
At least your TNB is covered now by Wise.

TM - Yet to be verified for UOB VOX. I have already tried but the result will only know on 30th September. So not sure if that gives 5% rebate.

Insurance - Aeon Watami if your spending is at least RM 3k per quarter. If it is difficult to achieve, you can chunk in your TNB, TM, retail and other expenses here.

Groceries - You can add MBB Ikhwan, that also gives you another slot for petrol. Else, you can also add in MBB VS.

Since you didn't put in your salary information, I will assume it is RM 100k and above which you can qualify for PBB VS and MBB VS.

This post has been edited by fruitie: Sep 1 2015, 05:37 PM