1. Annual Income: RM50K-80k

2. Free Lifetime Annual Fee: Yes

3. Card required for: List all your needs
Insurance
Electric bill and water bill

Priority on cashback

4. Existing credit cards if any: nope

5. Looking at CC from: unsure

so cool.. means no need worry about the 12 swipe la. Sure every month need pay bill

You know the answer. UOB VOX and pay via UOBPayOnline.
Also it is not accumulated on yearly basis, you will need to spend once every statement cycle else RM 6.36 will be charged to you on monthly basis.

This post has been edited by fruitie: Jul 28 2016, 11:46 PM

oh i just check the card on ringgitplus. The cashback not applicable for insurance and utilities. Like dat better get CIMB right cos no need worry about the swipe every month

Insurance, you can charge your card to AEON and pay via PosOnline and use any of your online transactions cash back cards.

Aiya, check out this thread's first post and see what we have tried so far: https://forum.lowyat.net/index.php?showtopic=3964961
CIMB CR is not a good card at all for utilities. If you can qualify for PBB VS then much better but unfortunately you only have the choice of UOB VOX for now.

This post has been edited by fruitie: Jul 28 2016, 11:50 PM

1. Annual Income: Around RM 30k

2. Free Lifetime Annual Fee: Prefer yes

3. Card required for: Petrol, Education, Cash Back/Rebate Only, pay bills

4. Existing credit cards if any: None

5. Looking at CC from: Any

Never apply a credit card. So I dun know much about this. All sifus help me pls thanks

can you enlighten me this method?

1) Charge all your general expenses to any of your AEON cards.
2) Pay your AEON card via PosOnline, it has AEON payment but comes with 2% service charge. Use cards which give online cash back like PBB VS, UOB VOX and CIMB CR.
3) Get your cash back. Usually it is 5%-2% = 3%, so you still earn 3%.

Great! Thanks so much!

1. Annual Income: RM60,000

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Petrol, Insurance, Phone Bill, Unifi

4. Existing credit cards if any: None

5. Looking at CC from: Any

1. Annual Income: Basic + fixed allowance: RM31k ; Include claim RM45k~50k

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Petrol, Phone Bill

4. Existing credit cards if any: None

5. Looking at CC from: Any

Only fixed allowances will be taken into account. Therefore your income (RM 36k per annum and below) only allows two issuing banks' cards.
Petrol - Maybank Ikhwan MasterCard (5% cash back on petrol and groceries on every Friday and Saturday, cap cash back at RM 50)
Phone bills - UOB VOX (5% cash back for online transactions, only RM 50 and above per transaction will be entitled for cash back).

Check out https://forum.lowyat.net/index.php?showtopic=3763581 and https://forum.lowyat.net/index.php?showtopic=3964961

What about Hong Leong bank WISE card?

It has annual fees and cannot be waived. So, if you are prepared then can apply. You will need to spend 10x minimum RM 50 to activate the monthly cash back.
It is my most used card as it has highest cash back.
https://forum.lowyat.net/index.php?showtopic=4012607

1. Annual Income: RM35000

2. Free Lifetime Annual Fee: Prefer yes

3. Card required for: Dining, Petrol, Shopping

4. Existing credit cards if any: AEON credit card

Please advise me which card is more suitable for me..thanks

This post has been edited by little_baby: Aug 5 2016, 03:19 PM

you can just change your insurance to quarterly method and this would be a smaller amount which you can charge to Aeon and then to your online cards (UOB, CIMB, PBB)

MBB Ikhwan MasterCard- Petrol, Groceries (5% CB on Fri/Sat)
HLB Mach - Dining, Shopping

i) MBB Ikhwan MasterCard - Petrol, Groceries (5% CB on Fri/Sat)

ii) UOB Vox- 5%CB, Good for Online Spend, pay Phone/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: Aug 5 2016, 04:01 PM

1. Annual Income: -

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Petrol(MUST), pay bills , flight tic , casual dining & entertaiment
4. Existing credit cards if any: CIMB Visa Infinite , PBB Visa Infinite
5. Looking at CC from: HLB Wise , Citibank

Please recommend CC for maximum cash back. TQTQ

This post has been edited by numblink: Aug 6 2016, 04:51 PM

Annual income:rm72000
Free lifetime annual fee: yes
Card required for:pay utilities, groceries , dining and online purchase
Existing card:nil
Looking at cc from:any

Please recommend cc for maximum airline.