Maxis bill - HLB Wise?
TM Bill - VOX (yet to be verified)

Meaning other cc does not hv cashback for tmnet right, previously I'm using Maybank Amex. The only hope now is UOB VOX? Kesian sighh...

Looks like yes, no other cards have cash back.
Even VOX is yet to be confirmed as well, I can only know it on 30th Sept.

Ok thx, actually I'm asking on behalf of my friend. Will be looking forward for ur update on the 30th lol.

This post has been edited by szaku89: Sep 4 2015, 11:46 AM

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A must or there is a mechanism to waive the fee.

3. Card required for: Petrol, Groceries, Retail, Dining, Online transactions.

4. Existing credit cards if any: OCBC Titanium.

5. Looking at CC from: None.

6. Others: Looking for an alternative to my current Titanium. Will be my primary card if the benefits are good. Don't travel much so don't really care about World cards.

pbb vs for online, dining, grocery..
uob one for petrol..

Can I know which is the best cash back cc available out there?

follow d format given. there is no one card for all. depends on ur usage

Is it format as below?


1. Annual Income: around RM150k - RM200k

2. Free Lifetime Annual Fee: Yes

3. Card required for: List all your needs
Insurance - approx 7000 pa
Groceries - around 300 - 500/mth
Petrol - around 1000 - 1200/mth
Utilities & phone bill - around 1000/mth

Priority on cashback

4. Existing credit cards if any: SCB Visa Business Platinum

5. Looking at CC from: nil

Public Bank Visa Signature and Maybank Visa Signature. They should cover most of your expenses.
You can add Aeon Watami for insurance and other expenses.

All of these have annual fees, PBB VS and Aeon Watami only need to swipe 12x but MBB VS requires you to spend 50k per annum or you have to pay RM 550 + 6% GST. First year AF is waived for all.

This post has been edited by fruitie: Sep 6 2015, 03:51 PM

Thanks for the heads up, assuming standing instruction over insurance payment..does it consider 1 swipe every time the insurance company charge my cc?

Yes, that's considered as one swipe.

Am looking for some credit cards with high cash back quota per month.

Currently known to me is hlb wise which offer rm 100 cap

Of cuz unlimited ones are hlb essential, rhb biz platinum tat offer 1%.

Is there any other card that offer monthly cash back thta is more than rm 50.. ?

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Yes, preferred

3. Card required for:
utilities-maxis 150, streamyx 130, tnb 70, pba,
Takaful 500
Shopping - retail, departmental (mainly), online (rarely)
Travel (local hotel, flight, agoda)

4. Existing credit cards if any: cimb mc petronas, process of applying mbb ikhwan



6. Others: hlb essential can use for utilities?

hlb essential can use for utilities but 1% only. you may try aeon watami 3%. you may also convert your cimb mc petronas to cimb cr plat.

double post

This post has been edited by victorywp: Sep 7 2015, 10:25 PM

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: preferred

3. Card required for:
Mainly for petrol (shell/petronas)
occasional movie, utilities (maxis 118 , digi 50)

4. Existing credit cards if any: Fresh grad applying 1st credit card

5. Others: Prefer rebate for petrol
Thanks in advance.

uob one or mbb ikhwan

1. Annual Income: RM58K

2. Free Lifetime Annual Fee: Yes,preferred

3. Card required for:
Mainly for petrol,groceries, Celcom, utilities & Insurance

4. Existing credit cards if any: M2C

5. Others: Prefer on cashback card.

Thanks in advance.

1. Annual Income: RM58K

2. Free Lifetime Annual Fee: Yes,preferred

3. Card required for:
Petrol, groceries, phone - Maxis, utilities & Insurance

4. Existing credit cards if any: M2C (no longer able to enjoy cashback expect for dining)

5. Others: Prefer cashback card.