Petrol, Groceries: MBB Ikhwan Mastercard, Citibank CB Plat. or UOB One Card.
Dining: HLB Mach, UOB Yolo or MBB 2Cards

This post has been edited by fly126: Nov 14 2016, 11:51 AM

SCB cash back gold not bad ya

any recommendation for HL CC? i am planning to convert my wise gold to other card. Cashback will be prefer

Mach Card

HLB Fortune or HLB Essential or HLB Mach
Jz refer to the Post above Yours...

Thanks for the promot reply! Will check it

Thanks for the promot reply too! Will check it

1. Annual Income: RM42K +-

2. Free Lifetime Annual Fee: Yes!

3. Card required for: Priority wise Petrol about RM300+- (Pump mostly during weekdays, seldom pump on weekend), online/electronics purchase, dining and retail

4. Existing credit cards if any: Nil. I have only 2 debit cards

5. Looking at CC from: Any

6. Others: Preferably higher cash back

Thanks!

MBB Ikwan Petronas - 8% on Sat & Sun, 1% on weekday
MBB Ikwan Mastercard - 5% on Fri & Sat

Other cards that gives petrol cash back probably won't worth it imo.

HLB Mach - Dining
CIMB CR - Online purchases

This post has been edited by rapple: Nov 15 2016, 03:10 PM

CIMB Cash Rebate Mastercard (Petrol, Groceries, Online)
Citibank Cash Back CC (Petrol, Groceries)
HLB Mach (Dining)

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, online shopping

4. Existing credit cards if any: Nil.

5. Looking at CC from: any

Thanks!!

CIMB Cash Rebate.

1. Annual Income: RM80K

2. Free Lifetime Annual Fee: Any but prefer waiver

3. Card required for: Petrol, Retail, online shopping

4. Existing credit cards if any: Citibank PremierMiles, Citibank Gold, CIMB CR Plat

5. Looking at CC from: any

Thanks!!

I) Groceries & Petrol - MBB Visa Signature or MBB Ikhwan MC

II) Online - UOB Yolo (Annual Fee: RM95.40)
6% CB for Online Spend, 3% CB on Dining
However, Total Monthly Spend:
RM0 - RM499 = 0 CB
RM500 - RM799 = Max. Cashback Capped at RM 20
RM800 & Above = Max. Cashback Capped at RM 50
https://forum.lowyat.net/topic/4078891

III) Retail Spending:


This post has been edited by fly126: Nov 16 2016, 01:01 PM

Thanks for the information. Will check them out

1. Annual Income: RM240k

2. Free Lifetime Annual Fee: prefer anything with option to waive annual fee

3. Card required for: cash back for restaurants, pubs & bars, petrol, telco and utilities bills, minor grocery

4. Existing credit cards if any: MBB visa infinite, Alliance Visa Infinite, Citibank Cashback (not so good), HLB Wise (was my cash back card till oct 2016), HLB GSC Visa

5. Looking at CC from: Any bank

6. Others: I primarily swipe most using my MBB visa infinite so that I hit annual 50k spending to waive the annual fee. Have been using the MBB VI for 3 years and past 2 years able to hit the 50k annual spending limit. Past 2 years have also been using the wise card and has been consistently getting a monthly cash back of RM100. Basically looking to replace wise card after the terms and condition changed. Tried the citibank cash back but it seems really not that good. I am thinking that it could be very possible that wise card could still be the best cash back card in the market, trying to seek other opinions on what other options i got.

The expenditure for my cash back is roughly as below:

1. Restaurant - 400 to 1200 monthly (varies a lot)
2. Pub and bar - 300 to 800 monthly
3. Petrol - 300 monthly
4. Maxis - 300 monthly
5. Internet - 150 monthly (Time fiber)
6. TNB - 170 monthly
7. Grocery - 200 - 400 monthly

Dont think there will be a cashback card that can fit all in the list and provide cash back most effectively. But just need one cash back card that can gain the most effective cash back from a selection from that expenditure list.

i) PBB Visa Signature - 6% Cashback On Grocery, Dining, Online Transaction (Pay your bill thru UOB PayOnline : TNB, TM) or (TIME dot com portal: pay Time Broadband) to Earn CB.
https://forum.lowyat.net/topic/3991972

ii) HLB Mach - 5% Cashback on ALL Dining outlets: Restaurant, Eating Places, Drinking Places, Bars, Taverns, Cocktail Lounges, Nightclubs & Discotheques, Fast food Outlet (MCC 5811, 5812, 5814)
https://forum.lowyat.net/topic/2421215

This post has been edited by fly126: Nov 17 2016, 02:12 AM

Hi,

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back, Overseas Transactions, Groceries, Dining

4. Existing credit cards if any: MBB 2Card

5. Looking at CC from: CIMB Cash Rebate but open to other suggestions

6. Others: Looking for recommendations on whether I should switch cards or just keep with my MBB 2 Cards. I barely use the AMEX card anyways.

I) If you Seldom use your M2C why not Convert to MBB Ikhwan Mastercard to get enjoy 5% CB on Petrol & Grocery every Fri, Sat.
https://forum.lowyat.net/topic/4103568
http://www.maybank2u.com.my/WebBank/Conversion_new09.pdf

II) Get Yourself a HLB Mach to have 5% CB Returns on All your Dining treats. https://forum.lowyat.net/topic/2421215

III) I Believe currently AEON Gold / AEON BiG CC got the Lower or Better Foreign Exchange Rate compare to Other Cards + Yearly 6x free entry to the KLIA Plaza Premium Lounge.

& CIMB CR Mastercard is a Good Backup Card becos it's free for life got CB from Petrol, Groceries, Online, Auto Debit transactions...
It's Safe-Keeping good, No harm to have ... https://forum.lowyat.net/topic/3988506

This post has been edited by fly126: Nov 17 2016, 09:10 PM

Hi,

1. Annual Income: More than RM90K

2. Free Lifetime Annual Fee: A Must

3. Card required for: 5% Cash Back for Online, Dining, Retail, Auto Billling- Insurance, Mobile,

4. Existing credit cards if any: MBB 2Card

5. Looking at CC from: VIsa prefarable

6. Others: Mostly use MBB Amex if possible and for petrol.