then you shouldn't put 60k-100k.
anyway, you have some choices depending of your monthly expenses in each category. you need to check your priority to maximise your cashback.
mbb ikhwan, cimb cr plat = af free for life
uob one, aeon watami = af can be waived
hlb wise = af covered by high cashback

Petrol - Ikhwan MBB

Online - UOB Vox or CIMB CR

Dining - HLB Mach/Wise or MBB Amex

Insurance - Lump to Aeon Watami if huge amount

Broadband / postpaid - HLB wise if you plan to mix it up with dining and etc.

Or you can get a MBB VS for higher capping of petrol and PBB Vs for online. Best combo already.

Both can be obtained via FD if you are interested.

You were the one missed it.
Let me rephrase, he did nothing wrong. This is based on second post template, the range is from 60k-100k. He jut put it. 70k-80k also within 60k-100k right?
How would he know so much of things?

Thanks for the replies. Yeah I just followed the template given by genx. Don't fight lol. Anyway, I'm interested with obtaining pbb vs via FD. I do have some FD...how is that done?

Thanks for the replies. Yeah I just followed the template given by genx. Don't fight lol. Anyway, I'm interested with obtaining pbb vs via FD. I do have some FD...how is that done?

omg, i have to read 3 times only understand that your "apple" means "apply". at first, i thought got apple iphone as free gift for new sign up. lol...

ehhh... define "genius"... haha

Can, gt tenancy agreement and even bank statement to support tat it being banked in monthly... can give a try perhaps... as the pbb vs 6% seems a good deal which wise 10% is complicated thn MBB2card no longer good...

my bad, amended, any advice upon it? hehe...

pbb charges 0.5% of your fd amount for stamp duty. means you need to pay at least rm170 upfront for a min rm34k fd (non-promo fd rate) before you start earning cb from this pbb vs.

Wow, so much hassle just to get the card... I think the interest losses maybe even higher than the cash rebate earn..

My Ikhwan card application was rejected. I don't have Maybank2card. Can suggest a card for groceries?
I have HLB Wise for petrol and dining.

My Ikhwan card application was rejected. I don't have Maybank2card. Can suggest a card for groceries?
I have HLB Wise for petrol and dining.

Uob or watami which offer 2% and 3% with condition

You can try UOB One Plat for 2% groceries.
Or apply MACH and choose TrendSetter package for dining - 5%. Then change your HLB Wise package from dining to groceries.
You have to weigh which is more useful to you.

Thank you very much for the suggestion. I got UOB One. Need to calculate the rebate whether worth to get MACH.
I have a new idea: let my wife to apply for a HLB Wise to cover groceries and utilities.

Possible with 3rd credit card below annual income of 36k? having uob one & vox now. Feel like getting WISE HLB

Possible with 3rd credit card below annual income of 36k? having uob one & vox now. Feel like getting WISE HLB

u can have credit cards from 2 institutions if i'm not mistaken. uob one and vox should be considered as 1 institution

u can have credit cards from 2 institutions if i'm not mistaken. uob one and vox should be considered as 1 institution

yes, uob one and uob vox considered as one as they share cl too. so you may go for another like hlb wise although your annual income below 36k. of course also depends on your dsr.

I am just wondering that UOB One have 2% rebate on Unifi/Telekom?

I know there is 2% on Maxis/Digi/Celcom only.

My Ikhwan card application was rejected. I don't have Maybank2card. Can suggest a card for groceries?
I have HLB Wise for petrol and dining.