You can use UOB PayOnline portal, it accept any credit card.

Aeon Watami can cover everything except petrol with a cash back of 3% assuming you charged between RM3000 to RM4500 per every 3 months. Charged less no rebate while charge more, rebate is capped at RM150

1. Annual Income: RM30K to RM36K(Not include fixed allowance)/ RM36K to RM60K (With fixed allowance included) [Not sure whether fixed allowance should be considered in the min. annual income or not and it's gross income right? ]

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Best if Cash back/rebate. Need for petrol, groceries, restaurants and insurance(if have extra cash back).

4. Existing credit cards if any: Nil(first CC).

5. Looking at CC from: Any card that fits me currently looking on cimb cash rebate mastercard and uob vox/one

6. Others: have m2u and cimbclicks

Thanks in advance.

PS: I currently only have 2 months payslips.

This post has been edited by imationyj: Sep 1 2015, 01:11 PM

mbb ikhwan or cimb cr plat or uob one.

maybank ikhwan for groceries and petrol
hong leong mach for dining
hong leong essentials for for everything else

I have applied for the cimb cr plat online through cimbbank.com.my. If want apply through cimbclicks, it shows that I need to have min annual income of rm60k. and i have only uploaded my 2 months payslip for them. Will they proceed with the application without my IC uploaded yet?

before proceeding, they will call you to get those missing documents that they needed.

This post has been edited by victorywp: Sep 1 2015, 05:13 PM

1. Annual Income:

2. Free Lifetime Annual Fee: Could be either. Preferable Free For Life or min. swipe in order to waive AF.

3. Card required for: Mobile, Groceries, Dining, Utilities, Petrol, Insurance & retail.

4. Existing credit cards if any: MBB 2 AMEX/VISA, AEON MC, HL WISE

5. Looking at CC from: Unsure.

6. Others: I'm looking for a CB/Reward type CC that cover for my groceries, utilities, insurance & retail.

My current CC divided into following categories

HL WISE - Mobile, Petrol, Dining
MBB AMEX - TNB, Retail
MBB VISA - Retail that doesn't accept AMEX
AEON MC - For AEON store and PPL purpose.

Looking for CC that benefit me in the following categories.

??? - Utilities (TMNET, TNB)
??? - Insurance
??? - Groceries & Retail
CIMB Cash Rebate Platinum - Online ??

This post has been edited by eric84cool: Sep 1 2015, 05:35 PM

For dining, why don't you change to MACH. Then spare HLB Wise for utilities.
Well, the only trade off is 5% vs existing 10%. Unless you dine super a lot, else I think MACH is a better option or maybe even PBB VS.
At least your TNB is covered now by Wise.

TM - Yet to be verified for UOB VOX. I have already tried but the result will only know on 30th September. So not sure if that gives 5% rebate.

Insurance - Aeon Watami if your spending is at least RM 3k per quarter. If it is difficult to achieve, you can chunk in your TNB, TM, retail and other expenses here.

Groceries - You can add MBB Ikhwan, that also gives you another slot for petrol. Else, you can also add in MBB VS.

Since you didn't put in your salary information, I will assume it is RM 100k and above which you can qualify for PBB VS and MBB VS.

This post has been edited by fruitie: Sep 1 2015, 05:37 PM

i'm not qualify for the PBB VS. Checked but for MBB VS, need to spend big amount to get it waived so NO-NO.

Perhaps after look at your comment, I think I gonna combine my monthly essential expenses into

AEON WATAMI - TM, Insurance, Condo Maintenance, TNB into this card.

Now looking for one more card to cover for retail/online/groceries.

Groceries - Ikhwan
Online - Can try CIMB CR or VOX. I prefer VOX but VOX needs to have minimum spending of RM 50 for cash rebate. VOX can be used to pay flight tickets and get rebate but CR cannot.

Hi , would like to seek some recommendations .

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: waived

3. Card required for: mostly for retail shopping, petrol , travel , oversea spending

4. Existing credit cards if any: Nil.

5. Looking at CC from: Nil

6. Others: I'm currently working sg , i need a CC that can have cashback and as i travels a lot , hope can find some CC with tickets discount

so far do u guys know which company approves that incomes from sg?

thanks !

This post has been edited by xdd1987: Sep 2 2015, 10:57 AM

Me too looking a rebate card to cover retails and online. For groceries may go for MBB Islamic MasterCard Ikhwan, giving you 5% rebate on Friday and Saturday transaction.

I have the Maybank 2 cards AMEX.

Applied for and got the Maybank Ikhwan credit card as a replacement for the AMEX card due to change of conditions of use. Ikhwan is similar to the AMEX.

Pros: NOT AMEX, MASTERCARD I think. More widely accepted. Valid for 5% cashback on petrol and groceries on Fridays and Saturdays.

Cons: No or minimal Treatspoints.

Re: Acceptance of Maybank AMEX cards. I was told that you can try the merchant's credit card terminal with the Maybank AMEX card IF the card terminal was issued by Maybank. It MAY read your Maybank AMEX card. But have to ask and try, so a bit of hassle.

Known fact and tried and tested - Sushi King accepts Maybank AMEX credit cards, so when dining out on weekends, that's a choice.

This post has been edited by tuboflard: Sep 3 2015, 06:54 AM

Can someone start a thread on DINING with MAYBANK AMEX cards so that we know which establisments (preferably nationwide outlets) we can use the card at during weekends?

Confirmed Maybank AMEX can be used at:-

1) Sushi King
2) Secret Recipe

Well maybe can start posting at existing thread "Maybankard 2 Gold & Platinum Cards V15"? I believe most of the dining places can be cash rebated, I recently got my cashback from
1. Ichiban Boshi @ Pavilion
2. Chili's Grill & Bar @ KLCC

currently we are reporting at this thread: https://forum.lowyat.net/topic/3532126

Dear Sifus.. i am looking for an additional card for cash rebate since MBB2Card has revised their CB policy.

1. Annual Income: RM36K to RM60K.

2. Free Lifetime Annual Fee: No (Provided my expected CB amount can cover the AF)

3. Card required for: Cash Back!! My monthly spending trend would be:
Utilities (TNB, Unifi) - RM400
Mobile (Maxis) - RM250
Petrol - RM300
Groceries/Dining - RM300

4. Existing credit cards if any: MBB2Cards

5. Looking at CC from: Any

6. Others: I was using MBB2Cards all these while and able to achieve RM50 cash back every month.. but last month i only got RM8+ CB for dining.

hlb wise, aeon watami, uob one, mbb ikhwan

May I know what is the best cc for maxis bill and TMnet bill? Cashback cc. Tq.