HLB Wise (Petrol, Entertainment) & PBB Visa Signature (Online Transaction: Flight tix, Hotel Booking , Bill Payment & Dining).

This post has been edited by fly126: Aug 6 2016, 08:17 PM

UOB Vox - Online Spend

If You got income of Rm100k p.a, may consider....
PBB Visa Signature - 6% Cash Back on Grocery, Dining and Online Transaction.

This post has been edited by fly126: Aug 6 2016, 08:24 PM

Dining:
HLB MACH (5%, free AF with 12x swipes)

Online:
UOB VOX (5%, free monthly fee with 1x swipe)
HLB MACH (1%, free AF with 12x swipes)
CIMB Cash Rebate (5%)

Groceries:
Maybank Ikhwan Mastercard (5%)

Utilities:
CIMB Cash Rebate (autodebit required)

any credit cards that still give cash rebates or point for JomPay?

Eh like that let's say I swap dining, groceries, petrol or whatever to the Aeon card, then I pay via PosOnline with UOB Vox...so I get 3% rebate for everything?

Yes but does it worth for it? There are better cards for groceries, petrol and dining. Also VOX only gives you cash back of RM 50 which is RM 1k spending. I will not choose this option.

Ah I see. Make sense as well.

EDIT: But for other categories that does not fill petrol, groceries or dining could benefit from this 3% right?

This post has been edited by Duckies: Aug 8 2016, 08:20 AM

Perhaps it's better for me to post my requirement here so that others could help to suggest. I did a lot of searching and ran out of ideas.

1. Annual Income: > 36k but < 70k

2. Free Lifetime Annual Fee: Waived for first year or free for life

3. Existing credit cards if any: CIMB Cash Rebate, Maybank 2 card

4. Card required for:

(a) Petrol for work (Paid in counter cause the petrol station no card machine outside): 1k to 1.5k
(b) Petrol myself + parents: 200
(c ) Groceries: 200
(d) Utilities: 500
(e) Online shopping: 100-200
(f) Dining: 200-300
(g) Retail, shopping and others: 500

- Just applied for Citibank Cash Rebate for petrol and groceries for item (b). Still considering if there's a better card Was thinking Ikhwan but it's only for Friday and Saturday. I need to cover Sunday as well as my parents like to do groceries on Sunday.
- My next move is to get Public Bank Petron card for item (a) as it can rebate 5% up to max RM50 and can get the rebate eventhough it's paid through the counter and not the card machine in petrol station.
- Planning to apply for UOB Vox for item (d) and (e)
- No plan for item (f) and (g). Could get HL Mach for item (f) but not sure how good is the coverage.

This post has been edited by Duckies: Aug 8 2016, 08:51 AM

Guys, I'm new to credit card. What is cashback? Does it mean we pay less for each related transaction? Or is it some kind of reward that we need accumulate and claim later? Thanks!

all these credit cards management methods of saving/earning points, does it really make a significant for what it's time spent?

wouldn't it be less hassle to simply use the atm with debit cards facilities?

Cash back means cash given from banks. It will be offset from your statement. For e.g., your total statement could be RM 1k but your earn RM 50 cash back, so you will need to pay back to bank RM 950 only for your RM 1k purchase.

Think of this way, after all you will need to spend regardless you use cash, debit card or any credit card. Might as well just use the one gives better benefits?

Every month, I'm getting around RM 200 cash back from banks for things which I spend every month. It is not that I specifically spend anything additional to earn these cash back, effort and time spent is still the same. Plus, I get free interest period. Instead of deducting from my bank now, I may only need to pay my bill 22 days later or if I play with the statement date well, I only need to 52 days later. So, I can put in the money elsewhere or anything.

This post has been edited by fruitie: Aug 8 2016, 01:47 PM

may i ask to get this typical rm200 monthly cashback, how much monthly have u spent?

Less than RM 3k, I hardly hit RM 200 though. Probably I will need to rephrase it to RM150-180, sounds more reasonable for my case.

This post has been edited by fruitie: Aug 8 2016, 02:19 PM

Hi fruitie, do you have any card to recommend me based on my requirement above?

Since you are OK for first year waiver, then you can try UOB One Card.
Cash Rebate for petrol (Weekdays 2% / Weekends 5%)
- Capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month

Cash Rebate for AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant (Weekdays 1% / Weekends 2%)
- Capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month

HLB MACH is my pure dining card and so far it is serving me quite well. Refer to this thread's post #1 for some of the merchants which don't give cash back for dining: https://forum.lowyat.net/index.php?showtopic=2421215&hl=

UOB One is more or less the same as Citibank Cash Rebate except the max capped is higher.

Will get the HLB Mach

Any good card for retail shopping? Cosmetics or fashions from shopping mall..might not be from those franchise shops.

This post has been edited by Duckies: Aug 8 2016, 03:53 PM

I use my M2 AmEx Plat most of the time for TP, still not bad equals to 1.25%. If AmEx is not accepted, I have OCBC GE Plat which gives 1% for first RM 1k. I hardly shop every month and if I shop most of them accept AmEx.

Was thinking to use the Aeon > UOB trick to get the rebate if since my utilities and online spending can't get max 50 rebates

If you don't mind the hassle, you can.

Thinking of changing my credit card. Need recommendation.

Annual income: 84k
Free lifetime annual fee: yes
Card required for:pay utilities, groceries , dining and online purchase, petrol, airlines tickets
Existing card: maybank2card amex and mastercard
Looking at cc from: any but compulsory from islamic bank.