1. Annual Income: <90K
2. Free Lifetime Annual Fee: Yes. But also ok for easy waiver annual fees.
3. Card required for (Average Monthly payment)
Petrol RM 303
Phone RM 70
Dinning RM 338
Groceries RM 43
Insurance-AIA RM 978
Cinema RM 27
E-Commerce RM 80
Other RM 749
4. Existing credit cards if any: Citibank CB Platinum, Maybank 2 GOLD Card, OCBC Titanium
5. Looking at CC from: Any bank
6. Others: No

This post has been edited by Jeff-Yong: Sep 10 2016, 11:21 PM

I) HLB Mach (Food /Dining, Cinema)

II) CIMB Cash Rebate Platinum MasterCard (Petrol, Groceries, Online)

III) Maybank Ikhwan Mastercard: 5% CB on Petrol, Groceries spend at Fri/Sat. (You may Convert your M2C to This card to enjoy more CB)

IV) Public Bank-AIA Visa Gold Credit Card (2% cash rebate on AIA Insurance Premium)

If You got income of Rm100k p.a, may consider, PBB Visa Signature - 6% Cash Back on Grocery, Dining and Online/E-Commerce Transaction... Currently the BEST Card

P.s You also can check on SCB JustOne Plat. It may Suit Your NEEDS...
https://forum.lowyat.net/index.php?showtopi...post&p=81544634

This post has been edited by fly126: Sep 11 2016, 01:52 AM

Hi all, please help to recommend:-

1. Annual Income: RM70K

2. Free Lifetime Annual Fee: Preferably

3. Card required for (Average Monthly payment)
Petrol RM 300-400
Phone RM 170
Insurance RM 1500 (Half-yearly)
Cinema RM 30
Other (Dining, Grocery, Entertainment etc) approx RM 700

4. Existing credit cards if any: UOB One Card, Just One Platinum

5. Looking at CC from: Open for suggestions

6. Others: Plan to cancel the UOB One Card

Thank you..

I) HLB Mach (Food /Dining, Entertainment)

II) Maybank Ikhwan Mastercard: 5% CB on Petrol, Groceries spend at Fri/Sat.

III) Citibank CB Plat. (Petrol, Groceries, Phone bill, Pharmacy)

1. Annual Income: Leave Blank

2. Free Lifetime Annual Fee: A Must, can be with no condition or with 12x swap, as long as free AF

3. Card required for: Highest Cashback for general expenses, anything can be swipe using credit card

4. Existing credit cards if any: Already have existing card with online cash rebate and WISE but need to cancel wise soon.

5. Looking at CC from: No idea, currently looks like Hong Leong Essential provides highest cashback of 0.6% for general transaction.

6. Others: Current plan is to apply AEON and see, since i have online cashback, i can use the AEON credit card to swipe for any transaction, then use the online cashback card to pay for AEON credit card, this is what I found out what I can do for now, looking for any other additional feedbacks.

i) HLB Fortune - 1% Unlimited Cashback but, need min. accumulation spending RM2000/month to qualify CB capped at RM 5000 with Max.$50 cash back, If you X Achieve (RM2K /monthly) then the CB burn off https://www.hlb.com.my/main/personal/cards/fortune-card

ii) HLB Essential
• 0.6% unlimited cash back on insurance transactions Or Other retail transactions, NO CB for Petrol
• 0.6% cash back on RM5,000 spend (tier 1)
• 1% unlimited cash back on subsequent spend (tier 2)
https://www.hlb.com.my/main/assets/files/ne...and-updates.pdf

iii) Alliance Younique - Up to 3% Cashback

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

http://www.alliancebank.com.my/younique

This post has been edited by fly126: Sep 12 2016, 01:03 AM

Edited 2X Post.

This post has been edited by fly126: Sep 12 2016, 12:12 AM

cool..didn't know about the Allianz Younique...

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: A must

3. Card required for: Mainly for petrol spending at BHP station (About rm200 month), some online transactions

4. Existing credit cards if any: Nil, just started

5. Looking at CC from: UOB One card, UOB VOX card

I dont really spend so much monthly, looking at the BHP monthly cashback, seem like the most cashback I can get per month is also about RM10 only, cause i pump on weekdays, and there is annual fee as well.

So, do you guys think the UOB VOX card would be more suitable for me? since the annual fee will be waived if i swipe once a month. I get smarts cash rebate of 2% on BHP petrol, I also get 5% cashback on online transactions

Or is there any other card you guys would recommend me?

Thanks

UOB VOX has been discontinued. Replaced with YOLO now.

1. Annual Income: Any card

3. Card required for: Looking a card to replace Wise HLB. Don't think can reach 2K for groceries n petrol.

4. Existing credit cards if any: PB Signature(utilities,Phone bill, dining and online) and CIMB visa infinite (others)

5. Looking at CC from: any bank

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.

So the best cash back card for grocery, petrol and telco would be MBB Visa Signature?

MBB Visa Signature
If cant spend more thn 50k a year, thn annual fee would be RM 550.

MBB Ikhwan Mastercard
For Friday and Saturday only.

Citibank CB Plat would be
5% for Petrol
2% for grocery
2% for telco


Seems like nowadays card all revise to have lesser cash back benefit.

Else like Wise spend up to 2k, RM100 cap cb, effectively would be js 5%.
SCB OnePlat up to highest gap of cash back, effective cash rebate also js about 3%.

All encourage ppl to spend more thn the "to be rabate amount", thn effective cash rebate is actually lower thn marketed % of cash rebate. :/

Okay, better thn nothing, but js yet nt as good as old era. Dont blame me posting this. lol

This post has been edited by OldKidz: Sep 12 2016, 04:12 PM

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

1. Annual Income: >120k

3. Card required for: Looking a card to replace Wise HLB. Don't think can reach 2K for groceries n petrol.

4. Existing credit cards if any: PB Visa Signature(Utilities, online expenses, dining), MBB 2 Cards Platinum (misc) and HLB Wise Card (Petrol, Grocery, Mobile)

5. Looking at CC from: any bank, mainly could replace wise card

6. Others: monthly < 2k for credit card expenses

So, You Decide to take which CC... ????

Thanks for suggestion earlier, I guess MBB Visa Signature for 11 months, thn would see got a better one appear or not around 11 months later.

Hi Sifus, which credit card is the best to paid TM bills, besides PB Signature, cannot meet the requirement :-(

CIMB CR and pay using PosOnline, 2.12% service charge.

If Your Petrol + e-Commerce + Auto Billing (Insurance, Utilities, Telco) Spend = RM 1000/month then, SBC JustOne Plat. is Your Card can Earn You up to 5% Cash Back.

Pls Refer to Post #2281 for Details.
https://forum.lowyat.net/index.php?showtopi...80&p=81544634&#

This post has been edited by fly126: Sep 13 2016, 11:27 AM

Are there any free for life credit cards that are good for retirees, 65 yrs above?