Affin would be better as the cap is larger than UOB one but UOB works for any petrol.

Example on 1000 petrol usage, 500 on BHP and 500 on Petron.

Currently I have PB Petron Visa gold.

It will give 2% for 500 bucks spent, therefore 10 bucks rebate. None for BHP

For Affinbank BHPetrol 'Touch & Fuel', it's 2% on weekdays so 2% for 500 bucks spent,
therefore 10 bucks rebate. None for Petron.

For UOB One Card, 2% for weekdays but only 6 bucks cap. 5% for weekend but only on weekend and capped at 15 bucks.

Therefore, BHP seems better as it has 2% on weekdays but also 10% on weekends but still couldn't utilize the usage of both Petron and BHP

CIMB could rebate on both BHP and Petron but only 2% rebate, therefore 10 bucks rebate also.

Citibank Cash Rebate is 5% but on petrol it's capped on 15 bucks only

This post has been edited by Duckies: Oct 29 2016, 07:37 PM

Dear kart,



Maybe SCB Gold Cash-Back Mastercard will ngam Your Needs, Up to 5% CB with RM1500 Spending/ Month (Excluding Petrol & Insurance)...

How $$$ is your monthly Expenses...??? You may consider Consolidate all your Expenses into THIS Card + it's an EZ Fee Waiver CC Compare to HLB Wise...

https://www.sc.com/my/credit-cards/goldcard/gold-card.html

This post has been edited by fly126: Oct 30 2016, 01:30 AM

Please help, thanks.

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Shopping (online and offline), Overseas Transactions.

4. Existing credit cards if any: HLB supplementary card

5. Looking at CC from: Dunno.

6. Others: Too poor for MBB (where the salary goes), where it appears the income requirement is at least RM2,500...?!

This post has been edited by synical: Oct 30 2016, 01:06 AM

CIMB Cash Rebate Platinum MasterCard

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Broadband (Maxis), Mobile (U Mobile) Overseas Transaction (few thousand a year)

4. Existing credit cards if any: Citibank Choice

5. Looking at CC from: any bank

Appreciate if someone can suggest me a card that match my spending pattern as above. Thank you!

This post has been edited by fchp: Oct 30 2016, 07:35 PM

try uob yolo (min spend 500 a month to get rebate) or citibank cash back

1. Annual Income: RM100k up

2. Free Lifetime Annual Fee: Auto waive/need call

3. Card required for:

a) Tesco/Jusco
b) CB
c) Airport lounge/oversea spending
d) Utilities payment TNB/Unifi

4. Existing credit cards if any: No

5. Looking at CC from: No preference

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: Prefer if free or can be waived with condition

3. Card required for: Online purchase, oversea usage

4. Existing credit cards if any: None

5. Looking at CC from: Don't know

6. Others: I am 29 this year and I never had a credit card, I want to apply one. I do not have any loan. ptptn debt cleared few years ago. Already applied CIMB and Maybank recently but both rejected. Can anyone help?

HLB Essential : unlimited 1% for spending > 1%

Can we use Essential card to pay PTPTN at PTPTN office and still get cashback ?
ANyone can confirm this. Thanks.

Try UOB, HLB, RHB, these Banks are more lenient compare to MBB or CIMB...
Reason of CC Rejection
https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html

I actually think you should check your CCRIS record from Bank Negara. You'll have better idea what is being assessed to determine your approval for credit card applications.

1. Annual Income:

2. Free Lifetime Annual Fee: no (possible if waivable)

3. Card required for: grocery, petrol, mobile, dining, online, insurance, premier lounge, (the more the merrier?)

4. Existing credit cards if any: wise, maybank2cards amex

5. Looking at CC from: pbb visa signature

6. Others: cancelled my wise due to change of tnc, finding card to replace wise card, most spending on grocery, petrol, mobile and dining. but notice pbb visa signature card qualify mobile online payment as online spending.

tq, pls advice

Definitely PBB VS is a Must have if your got income of RM100k p.a
If Not you can consider on...
I) MBB Ikhwan Mastercard (Petrol, Groceries)
II) Citibank Cash-Back Platinum (Petrol, Groceries)
III) HLB Mach (Dining, Groceries, Online)

This post has been edited by fly126: Nov 2 2016, 10:48 AM

Please advice, thanks.

Annual Income = 30K

Free Lifetime Annual Fee = Must

Card requirement = Petrol- 300, Groceries- 500, Mobiles- 150, others- 300

Existing card = ocbc titanium

Looking at cc from = not sure, hoping for recommendations

Others = cancelled wise card due to new requirements.


Thanks for any recommendations.

MBB Ikhwan Mastercard or CIMB Cash Rebate Mastercard

First RM5k is only 0.6%. After RM5k only 1%. For insurance is flat 0.6%.

I saw the TnC from essential, it stated excluded govermment payment.
Also got some info from other thread, some PTPTN terminal machine has MCC 9399 (Government Services, not elsewhere classified)
But some has other MCC code, guess have to do some experiment to find out the office machine's MCC

Best way to get CB from paying for my CIMB CC? Possible?

Nope, only AEON can be paid with 3rd party channel.