Hi all, please help to recommend some cash back credit cards based on the following information:-

1. Annual Income: RM54K - RM65K

2. Free Lifetime Annual Fee: Preferably (don't mind to pay AF if the benefit outweighs the cost)

3. Card required for: TNB, Astro, Unifi, Petrol, Dining (main expenses, in particular order)

4. Existing credit cards if any: M2C, HLB Wise

5. Looking at CC from: Open for suggestions

6. Others: N/A

Thank you!

TNB, UniFi can try paying with PosOnline via CIMB Cash Rebate.
Astro can pay at the Astro portal using CIMB CR.

Petrol - Maybank Ikhwan MasterCard.

Dining - HLB MACH.

Why not just use payonline directly to pay TNB and Telekom bill for direct online cashback? Instead of using posonline?

any cards good for petrol cashback?

This post has been edited by hwachong: Sep 7 2016, 10:17 PM

CIMB CR doesn't give cash back for UOBPayOnline.

Ahh.. but visa signature I think recognize as online transaction right?

Looking around also... Maybank AL ikhwan I think giving 5% for petrol on Fridays and Saturdays...

Which VS? PBB VS? Then, yes.

Yes... pbb vs... thanks for the info... strange why one bank recognizes as online transaction while the other bank does not....

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: No

3. Card required for: online purchase, tm & streamx bills, telco reload

4. Existing credit cards if any: uob one & VOX

5. Looking at CC from: any

6. Others: VOX no more online CB T.T

CIMB Cash Rebate then.
TM, Streamyx can use PosOnline and pay via CIMB CR.
Telco reload, can buy from Lazada, Qoo10 and earn some free vouchers and Shopback. Not much choice.

1. Annual Income: >RM100k

2. Free Lifetime Annual Fee: Yes & No

3. Card required for: TNB, Astro, TM Streamyx, Unifi, UMobile, Online Shopping (Lazada, Booking.com, Taobao), Petrol

4. Existing credit cards if any: PBB VS, VOX(gone Soon), Wise(Gone Soon)

5. Looking at CC from: any

6. Others: PBB VS now will be mainly for Grocer, definately gonna max out that 6%

CIMB CR for everything except for petrol. Petrol you can try Maybank Ikhwan MasterCard.
TNB, TM, Streamyx, UniFi = Pay via PosOnline using CIMB CR
U Mobile - Maybe can buy reload cards from Lazada, Qoo10 to pay your bills using CIMB CR?

Option 2, you can rearrange your usage again using your existing useful PBB VS.
TNB, TM Streamyx, Unifi - PBB VS using UOBPayOnline
Astro (Astro Portal) - PBB VS
U Mobile - PBB VS
Online Shopping - PBB VS or CIMB CR (if you want to additional card for this purpose)

Groceries and petrol - Shift to Ikhwan MasterCard

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: Yes & No

3. Card required for: Petrol (400/monthly), insurance 550 monthly, phone bill 200 monthly, groceries

4. Existing credit cards if any: Wise(Gone Soon), UPB privi miles, cimb petronas

5. Looking at CC from: any

6. Others: no

Petrol, groceries - Maybank Ikhwan
Phone bill - CIMB CR using PosOnline
Insurance - General cards like You:nique, SCB Gold (You can find out these cards, I'm not an expert in this area).

Thanks for the details analysis... and suggestion

CIMB CR is only RM30 capped right?

TNB, TM Streamyx, Unifi = Around RM900 Monthly
UMObile - RM50 only.. hehe
Online Shopping - Depends, can manage, allocate RM500 per month.

Goceries - RM1k
Petrol - RM500

CIMB CR is only RM 30. You can apply supplementary cards as it has separate cash back quota by default. Just like your PBB VS, also can apply for supplementary cards as you can request to have separate billing hence separate quota.

CIMB CR does give 2% for petrol and groceries though, maximum cash back is only RM 20 for combined categories.

There is no wonderful world. You need to learn to give and take and let go some.

areankim,

TM Streamyx is for office use ?
Unifi sure available at residence.

haha paying for my parent's house...

Err.. Any reason why you asked this question in this thread?
Never mind I don't need to understand but this is Recommendation Thread ya.

This post has been edited by fruitie: Sep 8 2016, 12:24 AM