Announcement - For the benefit of those who are new and/or clueless about credit cards, I am presenting a complete revamped Credit Card Tutorial for 2016.

And the FREE courses are as follows:

Prerequisite to take the course: Life – Pay Now With Credit Card Earn Later OR Save Now For Retirement.

CC 101 – Introduction To Credit Card 2016 (to be published on 5 January 2016).

CC 114 – Credit Card Interest Rates (scheduled on 6 January 2016).

CC 118 – Benefits of Credit Cards and Choosing The Right Credit Cards Based On Your Spending Pattern (scheduled on 11 January 2016).

CC 164 – 0% Installment Plans with Credit Cards – It Is A Trap (scheduled on 13 January 2016).

CC 201 – Credit Card Fraud and Bank Value for SMS Alert (scheduled on 15 January 2016).

CC 254 – Balance Transfer Plan (scheduled on 15 January 2016).



Click here to be directed to my Credit Card Tutorial Page and bookmark it.

This post has been edited by Gen-X: Jan 3 2016, 11:06 PM

where is your 2016 showdown?

Bro, you mean Episode II right? It is scheduled for 18 January 2016 at GenX GenY GenZ Dotcom, click here to see announcement.

Since I published my Best Top 10 CC for 2016 at GenerationsXYZ Blogspot back in October and revised in November 2015, there have been some revisions made to some credit cards, e.g. CIMB, RHB & UOB. But the cards where I recommended in the Conclusion are still the best cards to have

This post has been edited by Gen-X: Jan 4 2016, 01:06 AM

For insurance & other general spending, HLB Essential 1% cashback for unlimited spending (min spending of RM100 per month) or AEON Watami 3% cashback for spending between RM3k to RM5k per quarter.

Yes, as long as it is min RM100 together with other spendings per mth. The catch is when your spending is RM149.99 the cashback is still RM1

So AEON Watami - 3% cash back (min: 3k, max 5k which translate to RM150 max for each quarter)

HLB Essential 1% flat/month- minimum requirement RM100 per month.

Yes. Both af waived with min 12 transactions annually.

I don't dine out most of the time, mostly on Fuel, groceries (food & baby stuff), travel..Maybank Ikhwan is the best perhaps?

Which card can use to pay ptptn and get cashback.hehe

HLB Essential.

Can use credit card to pay PTPTN?

Yes, apparently for PTPTN only.

what do you mean "PTPTN only"?
through PTPTN E-FES?

This post has been edited by ckuanglim: Jan 6 2016, 01:35 PM

In the sense that PTPTN is a loan and can be paid with credit cards. No loan can be paid with credit card.
Not sure because I haven't tried before. I guess it is possible or just walk in to the nearest PTPTN.

so we can pay PTPTN using any credit card through PTPTN counter?

I supposed so. It is better you ask shamsay.

I saw the visa/master decal at PTPTN UTC Johor

1. Annual Income: RM38K to RM40K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol, Groceries, Dinning, Online Shopping.

4. Existing credit cards if any: NIL.

5. Looking at CC from: NIL

6. Others: I want cash back only and no reward points.

Please !

Thankss

Maybank Ikhwan, Maybank2Cards, HLB MACH, CIMB CR and UOB VOX.
Maybank Ikhwan - Petrol, groceries
Maybank2Cards, HLB MACH - Dining
Online shopping - CIMB CR and UOB VOX

aeon watami for everything except petrol
mbb ikhwan for petrol

This post has been edited by victorywp: Jan 6 2016, 07:20 PM

1. Annual Income: RM32k

2. Free Lifetime Annual Fee: Yes!

3. Existing credit cards (if any): CIMB petronas (petrol only)

4. Card required for: Cashback on shopping and Dining

5. Another question: is there any other CC that is better than CIMB petronas for petrol?