Aeon BIG Visa Gold - PPL Access, Groceries, Petrol, Online spend.
You may apply or convert your MBB Petronas Visa to MBB Ikhwan MasterCard to enjoy more CB (5% CB for Petrol, Groceries spend on Fri/Sat).

Any good cards to :-

* annual fee waiver
* Cashback for online, bill payment, petrol & groceries

Currently using Maybank 2 cards, Citibank Cashback & Hsbc Amanah
Planning to stop citibank and hsbc and replace with someting that can suits the above...

kindly advice

MBB Ikhwan MasterCard, CIMB Cash Rebate MasterCard.

Transaction Mode = M, D, S and U

May I know how to check the transaction mode?

1. Annual Income: RM47K (still got OT)

2. Free Lifetime Annual Fee: A Must or can be waived with fair bit of spending

3. Card required for: Cashback, AirMiles, Overseas Transactions, Points, Free LCCT Lounge Access, Utilities, Groceries.

4. Existing credit cards if any: Maybank Gold 2 Cards, RHB Smart Value Card, HSBC Platinum

5. Looking at CC from: no specific preferences

6. Others: Trying to maximize cashback and get airmiles. Currenlty using all of my points from all 3 cards to convert to Enrich points. Also trying to get a card with better benefits to replace the HSBC/RHB card that I have. HSBC has been upgraded twice from Classic to Gold to Platinum. RHb has never been upgraded, just changed by RHB from the normal classic card that I used as my first card back in 2009. Never been offered by RHB. HSBC was automatically upgraded twice.

Thx for the input.

I forgot to put in that I do a lot of online spending (Lazada, flight tickets, Agoda). Would the CIMB rebate card be good for that?

I also just found out that I can link a non-Maybank credit card to Maybank2u.com. I want to link the AEON Big visa card, pay all my monthly bills with it, then use Pos Online to pay the AEON card.

Then split it and pay the AEON card twice using Pos Online. Using Maybank ikhwan and CIMB rebate cards to max out the cashback. Would this work?

*These are the transaction categories that would be define as eCommerce spend if they fulfil either one of the criteria
a. Merchant (card acceptor) city is indicated as eCommerce (Merchant City = eCommerce)

b. Electronic order though e-commerce / online ( POS Entry Mode = E-Commerce AND Card Holder Presence = Electronic Order)

c. Cards details are manually entered /not swiped AND transaction order is executed through secure code authorization (Pos Entry Mode = Manual Entry AND eCommerce indicator = Ecommerce)

d. Card details are manually entered / not swiped AND transaction is a standing order /recurring transaction ( POS Entry Mode = Manual Entry AND Card Holder = Standing Order / Recurring Transaction AND Pos Terminal Location = No Terminal Used)

Reference from SCB JustOne Plat. https://www.sc.com/global/av/my-jop-website...ment-300816.pdf

[quote=borneoman1,Sep 5 2016, 05:36 PM]
Aeon BIG Visa Gold - PPL Access, Groceries, Petrol, Online spend.
You may apply or convert your MBB Petronas Visa to MBB Ikhwan MasterCard to enjoy more CB (5% CB for Petrol, Groceries spend on Fri/Sat).

[/quote]

Thx for the input.

I forgot to put in that I do a lot of online spending (Lazada, flight tickets, Agoda). Would the CIMB rebate card be good for that?

I also just found out that I can link a non-Maybank credit card to Maybank2u.com. I want to link the AEON Big visa card, pay all my monthly bills with it, then use Pos Online to pay the AEON card.

Then split it and pay the AEON card twice using Pos Online. Using Maybank ikhwan and CIMB rebate cards to max out the cashback. Would this work?

[/quote]

No Idea with AEON Big linking thing at Maybank2U Perhaps other Forumer can help on this ...

Anyway, Most of the Online Spend eligible for CB but It Excluding Airlines (MCC 3000-3299, 4511), Insurance (MCC 5960, 6300), Utility (MCC 4900) and Mobile Bill Payments (MCC 4813, 4814).

You can refer to CIMB Thread for more Details: https://forum.lowyat.net/topic/3988506

This post has been edited by fly126: Sep 5 2016, 06:36 PM

linking 'other banks' card to m2u can, but your payees will be restricted to a small list. you can check M2u for more info.

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cashback, Free Airport Lounge Access, Utilities, Petrol, Groceries, Life/Medical Insurance bills.

4. Existing credit cards if any: CIMB Cash Rebate Platinum Mastercard, HSBC Amanah M-power Platinum Visa (to be cancel), Maybank 2 Card Platinum

5. Looking at CC from: Ambank, SC or HLB?

6. Others: To reduce number of cards, while getting the highest cash back efficiency.

Thank you.

I) PB Visa Signature - 6% Cash Back on Grocery, Dining and Online Transaction + 3x Complimentary PPL Access

II) SCB JustOne Plat.

OR
III) HLB Fortune - 1% Unlimited Cashback but, need min spending RM2000/month to qualify CB capped at RM 5000 with Max.$50 cash back, If you X achieve that then the CB burn off https://www.hlb.com.my/main/personal/cards/fortune-card

IV) SCB Cash Back Gold- Up to RM50 CB every month. https://www.sc.com/my/credit-cards/goldcard/gold-card.html

This post has been edited by fly126: Sep 6 2016, 02:15 PM

Which card offer unlimited cash back? With no monthly cap

i need recommendation of credit card for:
no income requirement
does not want to pay for annual fee
to accomulate travel miles

any suggestion?

I believe all credit cards are come with a minimum income requirement except debit card

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: A Must

3. Card required for : Utilities, Petrol, Travel(hotel n flight booking), Shopping

4. Existing credit cards if any: none

5. Looking at CC from: Any bank

6. Others: want to buy electronics from SenQ with installment plans.

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: Not necessary, example cb can cover

3. Card required for : Online Shopping like lazada, 11street

4. Existing credit cards if any: maybank2cards, uob and vox, wise, sc cb gold

5. Looking at CC from: Any bank

CIMB Cash Rebate Plat. 5% for online transactions but maximum only RM 30 which equals to RM 600 of online spending.

yalo, so maybe i apply for YOLO. but is there any better? how bout PB Visa signature 6%, what is the min income?

YOLO and CIMB CR are your only options.
PBB VS needs RM 100k per annum.

thanks for the recommendation.