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.

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

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.

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

Yes, that's considered as one swipe.

Yes, anyone can apply for this card.

If it is Aeon Supermarket should be included but if departmental store, no it is not.

What's the purpose you applied AmEx Platinum Credit Card? It has AF http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
Also it doesn't have cash back for anything.

1. HLB Wise gives 10% of cash back if you select groceries category, all days. AmEx Plat is not Treat Points (TP) but Membership Reward (MR).
2. Plenty of cards give premium lounge, to name some Aeon Gold (36k per annum income requirement), RHB Plat, AmBank Plat (60k per annum income requirement). I'm having Aeon Gold and AmBank Plat, I used to have RHB Plat but I see no purpose of it and I have terminated it. Aeon Gold's AF can be waived with 12x swipes per year, AmBank Plat is free for life, no AF. RHB Plat needs to spend 36k per year to waive AF but can be easily waived, when I requested to terminate it, they tried to retain me with 2 years free without paying any AF.

My question is, with 58k annual income requirement, Maybank allows you to apply for Plat level? They are kinda petty about this.

This post has been edited by fruitie: Sep 8 2015, 05:18 PM

If he wants to ask more about HLB Wise, he will ask further. I was trying to give him a comparison only.

For wedding banquet, you can apply for HLB Essential which gives unlimited 1% and Aeon Watami 3% per quarter but maximum up to RM 300 (RM 5k spending).

For groceries and petrol, others have replied you.

PBB Visa Signature, it has annual fees but can easily waived with 12x swipes per year.

MBB Visa Signature , it has annual fees but can be waived with minimum 50k spending per year.

The above two shall cover for dining, petrol, utilities and even groceries. Groceries are useful for TnG reload.

For insurance, you can try Aeon Watami. It has annual fees but can easily waived with 12x swipes per year.

The individual threads are in this section. All the above will have AF waived for the first year.

Well, nothing is really free these days.

Maybank Ikhwan is free for life, you can use it for petrol and groceries.

You may want to read first post for replacement of Maybank2Cards.

For PPL, you can try Aeon Gold, Aeon Big Gold, RHB Plat and AmBank Plat.

Well, I used to have RHB Plat and I have terminated it about a month ago because it has no benefits though it gives 4x PPL access per calendar year. On paper, you need to spend 36k per annum to waive its AF. However, when I requested to terminate it, the lady from retention department called and offered me free AF until 2018 if I'm not wrong. Anyway, I still proceeded to cancel it because it has no benefits and gave me the highest credit limit which will increase my credit exposure.

I also have the AmBank Plat which I find it more suitable for my usage as it also gives PPL access to some overseas PPL for e.g. Changi Airport and Beijing International Airport which I always frequent. It gives unlimited access but every access comes with a condition you will need to swipe 3x in overseas 60 days before/after your PPL visit. Yes, it's a free for life card.

If you want a hassle free card, you can try Aeon Gold which gives free 6x PPL for KLIA/KLIA2 per calendar year. To waive its AF, you only need to swipe 12x a year. Easy peasy. Moreover, it has one of the lowest overseas charges. Else, you can try the latest new card-Aeon Big Gold which has the same PPL benefit as Aeon Gold but not sure of its overseas charges.

Hope the above helps.

Yeah, just go for the one which you think is suitable and gives you freebies.
The only bad thing about AmBank Plat is if you are traveling within Malaysia, you can't use it well because can't swipe at overseas.

That's why I have the Aeon Gold just in case.

Oh ya, another thing with AmBank is it has RM 650 free cash back now if you swipe RM 1600 within 60 days and must also register a supplementary card when you sign up. Though it's first come first serve basis but the quota is still there. I got my card in July and only swiped RM 1600 in late August and I got the RM 650 two days ago.

This post has been edited by fruitie: Sep 18 2015, 12:14 AM

Alright, Aeon Big is not a too bad card as well.

No more Government Service Tax after Goods and Services Tax came effect on 1st April 2015. That's why it is better to get an AF free card or cards which their AF can be easily waived. AF is still applicable though.

Yeah, after this service tax is abolished, I have added quite a number of credit cards.
I have probably close to 10 credit cards now.

Anyway, it is subject to bank's approval ya.

I supposed yes.

I wanted to type 30 days but put it as 60 days.