which means left 2.88%

Better than nothing.

since going to say good bye to WISE, i think Yolo will be a good option for utilities. ( if payonline friendly )
waiting u guys to test it out..

Thanks, thinking maybank Ikhwan with PBB VS, how about insurance, any bank give 1% rebate unlimited?

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.

For insurance, currently I am paying using Hongleong Essential at 0.6% unlimited (note that not only insurance, basically everything). Would be great if someone here can suggest a better card for insurance

1. Annual Income: RM80K

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol (RM300), Mobile (RM400), Dining (RM200), Online shopping (RM200), Groceries (RM100).

4. Existing credit cards if any: HL Wise (cutting soon), UOB VOX (cutting soon), MBB 2 cards.

5. Looking at CC from: Any bank

6. Others: Cash back is priority.

I) RHB Business Plat.- Unlimited 1% CB (except for Petrol, Government, Cash Advance & Charity transactions)

II) SCB JustOne Plat. - Up to 15% Cash Back on Insurance via Auto Billing.
https://www.sc.com/global/av/my-jop-website...ment-300816.pdf

III) HLB Fortune or HLB Essential

This post has been edited by fly126: Sep 9 2016, 08:30 PM

i) SCB JustOne Plat., Pls check on Post #2341 for Details...
https://www.sc.com/global/av/my-jop-website...ment-300816.pdf

ii) Maybank Ikhwan MasterCard - 5% Cashback on Petrol, Groceries Spend at Fri/Sat. (a MUST have)

iii) CIMB Cash Rebate Mastercard or UOB One Card or Citibank CB Plat.

This post has been edited by fly126: Sep 9 2016, 08:53 PM

1. Annual Income: RM50K

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol (RM300), Mobile (RM200), Dining (RM200), Groceries (RM200), Insurance (RM400)

4. Existing credit cards if any: HL Wise (planning to cut since cant meet new tc), MBB 2 cards.

5. Looking at CC from: Any bank

6. Others: Cash back is priority.

Same as above...
Pls, refer to the post above u for your CC Recommendation, tq

Any method to pay GE insurance online using HL Wise card? Else I need to look for a replacement card liao

Why online? Can auto-debit right? It still works the same. Mine is auto debit every month even though not using Wise to auto debit it.

With auto-debit, I cannot control when to pay, not able to spread out all the premiums over the 12 months. If manual pay, i can pay earlier or later as some month has multiple premiums to pay and some month none at all.

Just read the terms.. you forgot to stress the important point that the 15% CB is only if you spend more than RM2500 per month on that card..
If spend less than RM1000, get 0.2% XD, though should be quite easy to spend RM1000 after including insurance, can get 5% not bad

Do I entitle for the cash rebate if i use CIMB Cash Rebate mastercard to pay for my phone bill online every month. Entitle for the 5% online cb or the 2% mobile cb ???

Or 2% cb mobile only applies if i do standing instruction only?

2% mobile cb with SI only. 5% online cb excluding mobile bill payments.

read and search more here https://forum.lowyat.net/topic/3988506

cimb mastercard platinum cb got 2% if subscribe to standing instruction....or you can use HLB Mach savvy package for mobile bill payment to get 3% cb...

1. Annual Income: <RM90K

2. Free Lifetime Annual Fee: N/A

3. Card required for:
Wise replacement due tat Sam Grocer no longer accept credit card for ebill and Wise changing terms as well.
Grocery spending about RM 250
Petrol spending about RM 250
Phone spending about RM 50

4. Existing credit cards if any: Maybank2Card, SCB CB Gold, Wise, Watami, UOB Yolo

5. Looking at CC from: See Point no.3

Many thanks!

MBB Visa Signature or MBB Ikhwan Mastercard or Citibank CB Plat.