Info for credit card newbies:

1. Minimum income requirement to qualify for a credit card is RM24,000 per annum (effective from 18th March 2011). You must be able to submit proof of your income.

2. Minimum age to qualify for a Principal credit card : 21 years old. Supplementary cardholders: at least 18 years old.

If you do not/cannot meet the above requirements, then you are not qualified for a credit card. You still can go get a debit card and enjoy the convenient similar to a credit card.

3. If you are a foreigner or your income is from overseas (e.g. you work in Singapore), please refer directly with the bank if you are eligible for their credit cards

4. There is no such thing as the best credit card, it depends on your needs and each card has its own benefits.

5. For those earning less than RM36K, your credit limit should be 2X your monthly income in accordance to BNM guidelines. For those earning more than RM36K, the credit limit assigned to you is entirely up to the bank. With BNM latest guidelines, banks are no longer allowed to increase a cardholder's credit limit without his/her consent.

When choosing a credit card, below are things to consider

1. Free Lifetime Annual Fee - if the card does not come with automatic annual fee waiver, e.g. 12 swipes per year, then you have to waste time requesting for annual fee waiver yearly.

2. What is the main purpose of you getting a credit card? - Petrol, Cash Back/Rebate Only, Overseas Transactions, Golf, Installment Plans, Airport Lounge etc. Do some homework and you shall benefit from using the right credit card.

3. Convenience in making payment. You are to make payment before the Due Date or else you may be imposed Late Penalty Fee and Interest Charges.


For Recommendation - please post according to format in Post#2 below.


Actions required after you get your first credit card.

1. Read the Terms and Conditions of your credit card.

2. CLICK HERE and read this thread so that you won't be conned.

3. Call Customer Service (number behind your card) and request that your credit card sms alert default value to be set to RM1. Click here to the relevant thread.

4. Click here to read my article Credit Card Fraud Calls and Banks Default Value for SMS Alert in order to reinforce into your head so that you won't be conned.


Gen-X's recommendation for those new to credit cards and looking for cards to replace the once upon a time wonderful Maybankard 2 Cards AMEX:


Annual Income RM24K/year to RM30K/year.


UOB One Card:

Pros - good for Petrol as it earns you 2% and 5% cash back for all stations on weekdays and weekends respectively. However the cash back is capped at RM15/month, i.e. up to RM300 petrol. And if you pump at BHP, you get to earn SMART$ too PLUS BHP points.

Cons - No auto annual fee waiver (currently as of July 2015, first two years annual fee waiver). UOB revises the T&C of their credit cards very frequent.


CIMB Cash Rebate MasterCard:

Pros - FREE FOR LIFE, no whatsoever conditions. 5% cash back for Online Spending and 2% cash back for Petrol, Groceries and Utilities.

Cons - 0.2% cash back for other type of spending.


AEON Watami Visa:

Pros - 3% quarterly cash rebate on total retail transactions outside WATAMI with an accumulated spending of RM3,000 per quarter. Rebate is capped at RM150 per quarter. Annual fee waived with 12 swipes.

Cons - Petrol transactions are not eligible for the 3% cash back.

Click here to read my review of the AEON Watami Visa Credit Card.


Hong Leong Bank WISE Gold Visa:

Hong Leong Bank Wise Platinum Visa:

Pros - It earns you up to 10% cash back for Petrol, Groceries, Utilities and other categories.

Cons - The 10% cash back is only limited to 2 categories PLUS you must swipe a least 10 times where each swipe shall not be less than RM50. NO annual fee waiver.


Hong Leong Bank Essential Visa:

Pros - UNLIMITED 1% cash back. Annual fee auto waived with just 12 swipes.

Cons (contributed by zcs) - Petrol is not applicable for the 1% unlimited cashback. Besides that, minimum retail transaction of for this card in a month is RM100 in order to qualify for the cashback.


Minimum Annual Income RM30K/year.

Maybank Islamic MasterCard Ikhwan - for those who need a cash back credit card for Petrol and Groceries:

Pros - FREE FOR LIFE, no conditions whatsoever. You will earn 5% cash back for Petrol and Groceries every Friday and Saturday.

Cons - Supplementary cards are not entitled to the 5% cash back for Petrol and Groceries.

Click here to read my review of the Maybank Islamic MasterCard Ikhwan Gold and Platinum.


Maybankard 2 Cards -This is a combo package where you are issued an American Express and you can decide to partner it with either a Visa or MasterCard:

Pros - FREE FOR LIFE, no conditions whatsoever. The MBB 2 AMEX earns you 5X Treats Points everyday for any transactions which is like approximately 1.25% cash back when redeeming for cash vouchers. You will get additional 5% cash back for Dining only (effective 1st August 2015) with the MBB 2 AMEX on Saturdays and Sundays.

Cons - The MBB 2 Visa or MasterCard only earns you 1X Treats Points.


Minimum Annual Income RM60K/year.

Hong Leong Bank Wise Platinum Visa:

Pros - It earns you up to 10% cash back for Petrol, Groceries, Utilities and other categories.

Cons - The 10% cash back is only limited to 2 categories PLUS you must swipe a least 10 times where each swipe shall not be less than RM50. NO annual fee waiver.



Premier Credit Cards - Annual Income RM100K/year and above.

If you are looking for a card that gives you 5% cash back for Petrol and Groceries PLUS FREE 5X entries to Plaza Premium Lounges nationwide without any conditions, click here to read my review of the Maybank Visa Signature.

If you want 6% cash back for Dining, Groceries and Online Transactions, click here to read my review of the Public Bank Visa Signature. The annual fee is auto waived with just 12 swipes! It will soon also gives you 3X FREE entries to Plaza Premium Lounges nationwide without any conditions.

Above recommendations were extracted from my post at my man blog, for more info on other credit or debit cards that may be of use to you, please click here to my Recommendation of Credit Cards at my main blog.

If you are looking for Premier Credit Cards with good Enrich Miles and Krisflyer redemption - click here to Enrich Miles Thread and click here to my Comprehensive Review of The Best Credit Cards for Redeeming Frequent Flyer Miles where I have a summary comparing more than 20 credit cards.

If you are looking for a credit card for free access to KLIA & KLIA2 Plaza Premium airport lounge and airport lounges worldwide click here to that thread.

If you are looking for 0% Balance Transfer, click here to BT Thread. And if you are new to Balance Transfer, please click here to read my article Balance Transfer Plans - Facts You Need To Know before signing up for one.

If you are looking for cards that offers 0% installment plans, Maybank credit cards are accepted at many merchants where you can opt for Ezy Pay starting from 6 months and up to 36 months. However, once again, if you don't have savings please do not sign up for 0% Installment Plans because you will be in debt. And I advise you to go for shorter period. Click here to read my article 0% Installment Plans - It IS A Trap.

If you only pump petrol at Petronas, go to CIMB and Maybank websites and check out their Petronas credit cards.

Last but not least - the only thing that is of importance regarding credit cards is - DO NOT do apply for a credit card if you have no cash or savings to pay for your transactions. Credit card interest rate is very high and many go bankrupt because they have no discipline in controlling their spending. Always settle credit card bills in full monthly, never say just once, if you don't have money today in the bank to pay your credit card bills, what makes you think you will have enough money tomorrow to pay your credit card bills? DON"T be a slave to the banks.


Click here to test drive my Maybank 3 Cards GTR. FREE FOR LIFE AMEX + Visa + MasterCard

This post has been edited by Gen-X: Jan 3 2016, 10:56 PM

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM24K to RM30K or RM30K to RM36K or RM36K to RM60K or RM60K to RM100K or RM100K to RM150K or RM180K and above or leave blank.

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: List all your needs. Example Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , Golf, etc or Don't Know.

4. Existing credit cards if any: List them or Nil.

5. Looking at CC from: Citibank - Premier Miles

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.

By filling up the above, then others can make suggestion based on your needs. Actually, if you list out item 3, you yourself would most probably have answered your question above.


If you are really clueless on credit cards but at the same time want to own the Best Credit Card in Malaysia, click the link below and you'll be taught as to how you can optimize the returns from your credit card transactions by owning the best credit card to suit your spending pattern:


The Best Top 10 Credit Cards in Malaysia - Ultimate Showdown 2016



Want to know which credit card is the best for accumulating AirAsia Big Points? Click here and read my article The Best Credit Cards To Earn AirAsia Big Points and Fly For FREE.



Click here to my new Credit Card Tutorial 2016.

This post has been edited by Gen-X: Jan 8 2016, 11:19 AM

Very timely thread, bro Genx, with the recent spate of CB reduction.

Hey bro,

Thanks for the quick reply.

I was aware of the revocation of WISE gold card .. but somehow it's still available in product disclosure sheet on HLB website ..

I don't mind applying for another card for combo purpose ..

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: List all your needs (spending as below)
Petrol - 400 monthly - Petronas
Insurance - ( 150 Great Eastern + 1350/annum MLTT Hong Leong Assurance ) - paid by cash
Bike/Car Insurance - 400 + 500 + 250 - paid by cash
Utilities - 170 (unifi) , 40 (TNB) , (online)
Groceries - 100
TnG - 100 (auto reload via Zing )
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any: Maybank2card (Visa + Amex)
5. Looking at CC from: Maybank (priority) / CIMB (salary) or any.

6. Others: currently all transcation made during weekends (petrol + utilities)

This post has been edited by xalim: Jul 11 2015, 04:06 AM

1. Annual Income: RM50K

2. Free Lifetime Annual Fee: Yes/auto-waive with minimal swipes

3. Card required for: List all your needs
Insurance - 150
Online purchases - 100-500
Unifi - 170
Groceries - 150
Weekday makan - 400
Weekend makan - 300
Touch & Go - 200

Priority on cashback

4. Existing credit cards if any: nope

5. Looking at CC from: unsure

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: No

3. Card required for: (Priority Wise) Petrol (I pump at Caltex only if it makes a difference) , Unifi and Phone Bill, Education, Food

4. Existing credit cards if any: Nil

5. Looking at CC from: None at the moment. I saw CIMB Cash back cards for 5% and 2%.

6. Others: I dont really mind about reward points but hopefully cash back should be able to get some instant cash back upon using.

This post has been edited by ToiletMaster: Jul 13 2015, 01:27 AM

I'm looking for 1% unlimited cash back credit card.

Any recommendations ?

Hlb essential
*proof me if I'm mistake

This post has been edited by warningo0o: Jul 13 2015, 08:27 AM

i am currently using CitiBank Business Platinum. 1% unlimited.

In fact I need higher credit limit with 1% cash back.

Dont think essential can give me over 30k

you may consider cimb cr or uob one

CIMB's 5% cash back on online transaction. But anyone knows what defines online transaction?

Airlines, insurance, utility and mobile bill are excluded yes, but anyone knows how to check what is included under POSMODE 81? Online movie tickets? Lazada?

Thanks.

Yes to booking gsc online. I haven't tried tgv so cant give a confirm yes... but it should be. And yes to lazada.

To your and others benefit, best you refer to cimb thread below. Alot alot of ppl asked about lazada... I consider anything bought online as falling under that category... one gotta try as I dont think the regulars here know what is posmode 81 anyway.

You might need to look at HLB essential, uob one/citibank cash back

You might need to look at cimb cash back or uob vox for online, mach card/hsbc amanah card for makan?

I'm looking for a card for my wife. I already have MBB 2 Cards and currently thinking if I should opt for a supplementary card or apply a new card.

1. Annual Income: Around RM48k (income of wife)

2. Free Lifetime Annual Fee: Yes!

3. Card required for:
- 70% Petrol
- 20% Touch N Go
- 10% Online Purchases

4. Existing credit cards if any: None. However, me (as her husband) is having MBB 2 Cards

5. Looking at CC from: Any

6. Others: None

Thanks!

This post has been edited by Nation of Sensation: Jul 15 2015, 07:05 AM

I am looking for CC, please advice (I am foreigner)

1. Annual Income: RM 74K

2. Free Lifetime Annual Fee: Yes/auto-waive with minimal swipes

3. Card required for: List all your needs
Groceries : 500
Utilities(water/electric/internet) : 250
Petrol : 300
Phone Bill : 150
etc : 300


4. Existing credit cards if any: nope

5. Looking at CC from: Maybank or will consider others depend on benefit given

1. Annual Income: Around RM24k

2. Free Lifetime Annual Fee: Yes/No (if no below rm150)

3. Card required for:
- Petrol
- Bills
- Online or electronic purchase

4. Existing credit cards if any: None

5. Looking at CC from: Hong Leong Wise, CIMB gold

6. Others: i. I'm looking for flexi payment with 0% or low interest.
ii. Offers cashback
iii. 0% or below 3% balance transfer facility for 36/24months
iv. im getting 2 cards. 1 for the buying, and another for BT.

however i have a question. if i want to use the BT facility, do i need a card of that bank or i can just simply call and apply?

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs
TM & TNB & Syabas & Astro - 150-300
Groceries - 400
Dining - 200-400
Petrol - 300
Retails - 100-500

4. Existing credit cards if any: Maybankard2card, HLB Essential

5. Looking at CC from: Any

6. Others: Must have cash back.

citibank cash back, cimb cash back, hlb essential

there's no more HL Wise gold, only plat, so likely not qualified. CIMB cash rebate, hlb wise or uob one card. if you want balance transfer, mbb and aeon has good low/zero interest but 12 months and 6 months respectively. 24, 36m not likely unless promo or something.

you do need a card with the bank to transfer the balance over.

note of advice: relying on balance transfer is to purchase things is still not healthy financially. handle with care.

This post has been edited by adele123: Jul 15 2015, 04:11 PM

It seems the HLB Wise Gold is back.
I'm still reluctant to apply this card because I cannot achieve what it requires.

I see. but i guess at some point HLB gonna reduce that 10% cash rebate to a much smaller amount... doubt it will be around for long...

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Groceries, Dining

4. Existing credit cards if any: MBB2Cards, CIMB Cash Rebate

5. Looking at CC from: -

6. Others: HLB wise is not my choice as it needs 50 for each transaction and there is annual fees.

This post has been edited by xxawesomexx: Jul 15 2015, 04:17 PM

Hi,

All the sifus..i need to know whether taobao is consider online transaction? And i would like to know what is the card good for overseas transaction..i.e i just need to do taobao purchase with amounted RM 5K+ per month in RMB..

uob vox or cimb cr or public vs

if not mistaken, someone mentioned that taobao is under grocery category instead.

uob one, uob vox, cimb cr

you may pledge fd to get hlb wise.

cimb cr for petrol/bills/online and aeon cc for bt. you need to have cc of the bank for bt purposes.

cimb cr and aeon watami.

With the change in Maybank Treat Points system, my preferred combo is to complement the Maybank 2 Cards with CIMB Cash Back Platinum, and Maybank Visa Signature if possible. I put up a table to summarize recommended use of cards by transaction type based on my understanding (of having Maybank 2 Kad with CIMB Cash Back). My Credit Card Combo & Use Strategy

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Yes/waiveable

3. Card required for: List all your needs
Online purchases - 100-500
mobile 300
petrol 300-400
food 200
shopping

Priority on cashback

4. Existing credit cards if any: m2card gold, cimb cash back

5. Looking at CC from: uob1 card, maybank islamic ikhwan

How much FD for Wise? Thanks.

if taobao under grocery, i can use UOB test first.

so you found your answer in 3 hours.

no, you can't use uob to test because uob's grocery category doesn't based on mcc. it's only for tesco, giant, jaya grocer, cold storage, aeon big (for uob one but not uob lady's card). last time i tested at mydin and received 0.3% only.

Got a question for Hong Leong Bank Essential Visa. does it include any kind of expenditure? Like pay for insurance for example, can get 1% rebate?

Yup, 1% Unlimited CB with Any Retail Spend, the Only CON's: NO Cash Back on Petrol Purchase...
(Cash Back is subject to min. retail spend of RM100 /month)

This post has been edited by fly126: Jul 17 2015, 09:38 PM

Hi, i'm looking for a credit card that gives cash rebate for paying TMnet bills. Does CIMB cash rebate credit card or Hong Leong Wise credit card provide rebates for TMNet bills? Any recommendations? Thinking of Hong Leong Essential.. gives 1% cash back.

any recommandation for me？

get at least 2 cards to cover the bulk of your spending: mobile, petrol, and online purchases.

1) HLB Wise @ 10% for your mobile & petrol.
2) CIMB Cash Rebate @ 5% for your online purchases.

readup the t&cs for each card

This post has been edited by cybpsych: Jul 17 2015, 10:45 PM

you get nothing for using Wise card paying TMnet bills.

not sure CIMB Cash Rebate is good for TMnet bills as well. read it up here

1. Annual Income: >60k but <100k

2. Free Lifetime Annual Fee: I'm OK if it's waivable or can be waived with easy and achievable conditions.

3. Card required for: Utilities bills, petrol, shopping, groceries (for TnG purpose) and good cash back.

4. Existing credit cards if any: MBB2Cards Plat, CIMB Cash Rebate Plat, HLB MACH, OCBC GE Plat, Aeon Gold, RHB Plat and AmBank Plat.

5. Looking at CC from: Any bank.

6. Others: Must be easy to register its online portal. Actually, I will need recommendations to cancel some of my cards as well. Kinda find them useless. Please advise. I have in mind will be RHB Plat, I only have it for two months now but find it pretty useless as it doesn't have many promotions. Moreover, I applied it was for PPL which actually Aeon Gold and AmBank have covered. Though AmBank has conditions but it's not a difficult task for me especially it's a free for life card and offers unlimited PPL entries, so worth keeping.

This post has been edited by fruitie: Jul 17 2015, 11:00 PM

Thx for the info. Really appreciate it.

But sorry ya, just to clarify again, the "retail spend" of RM100/month is still quite unclear. Does it mean any kind of expense also count? Or does it mean have to spend at a retail shop or something?

Retail Spending (Transaction) = All Purchases of Goods or Services (including all the Billing, Insurance, Quit Rent (Cukai Tanah or Assessment Fee) Online Purchase also Consider as Retail Spending, when it's Charging Our Credit Card.

But, NOT with: ALL Cash Advances, Balance Transfer, Installment Payment Plan, other Credit Plan, Annual Fee & Charges...

Retail Spending (Transactions):
i) Local & Overseas Purchases
ii) Auto Debit / Recurring (Billing or Insurance)
iii) E-commerce / Internet / Online
iv) Mail Order / Telephone Order (MOTO)

NON Retail Spending (Transactions):
i) Flexi Payment Plan / Easy Payment Plan
ii) Balance Transfer (BT)
iii) Cash Advances / Dial For Cash (DFC)
iv) Credit Shield Plus / Card Protection Plan
v) Outstanding Balance / Finance Charge / Late Payment Charge
vi) Reversal on Transaction, Disputed / Fraudulent Transaction
vii) Card Replacement Fee / Annual Fee / GST, Other Fees & Charges

This post has been edited by fly126: Jul 18 2015, 10:24 PM

Wah super detailed. Damn pro la you bro! Thanks!!!!!

Sis, I think U should Reconsidered UOB 1 Plat. or HSBC Amanah (AF Waiver subject to 12X Swipes Only), (Not) again... Although You have these Cards before & Keep the RHB Plat. even though their Card Don't have many Promo compare to others But, sometimes RHB do Offered 0% BT, 0% Interest Free on Hospital Billing, Education(tuition) Fees to Cardholder & their AF quite EZ to Waive by Calling CS to Request...

This post has been edited by fly126: Jul 18 2015, 01:54 AM

You still remember I used to have these two cards. Are they really that good that worth re-applying again?
I had issue applying for UOB online account and I was asked to walk in to the nearest branch to get it fixed. In the end, I didn't manage to register for it and eventually cancelled the card.

As for HSBC Amanah, I registered and was told will be given with free tablet or watch which I didn't get it eventually. However, please put it aside besides this, if I'm not wrong it has a fixed management fees every month though I paid in full last time.

If you ask me, I would rather pick UOB One Plat rather than HSBC Amanah. Any other choices besides HSBC?

I wanna reduce my cards, so that banks won't see me as a high exposure customer. Though I do want to keep all if I have the opportunity, but I'm afraid that I will be rejected for those worthy cards later...

Thanks by the way.

As long those CC X have any AF or it's EZ Waiver, It's Worthy to have It ...

Just a Reminder:
Actual Management Fee (Islamic Bank) = Credit Card's Interest (Conventional Bank) Both are the Same by Different Name only...
If, You Settle Your Outstanding Balance in Full...There will be NO Management Fee (Interest) Charge on YOU...

As Just 1 left...
Citibank Cash Back Plat.
https://forum.lowyat.net/index.php?showtopi...post&p=72746938

Announcement: Revision Of Terms And Conditions, Benefits And Privileges For Citi Cash Back Card And Citi Cash Back Platinum Card Effective 3 August 2015
Source: https://www.citibank.com.my/global_docs/pdf/citicashback.pdf

This post has been edited by fly126: Jul 18 2015, 02:48 AM

No. I paid before every month for my HSBC Amanah, of course I paid full every month. Until the day I terminated it with no outstanding, I still got charged and called to scold to them. Then, only reversed the charges for me. Let me find back those posts, I asked before. It's around RM 1.xx every month.

Edit: I found out that it was for BT charges of 1.99%, I took it up for tablet which I didn't get it eventually. No, won't be returning back to HSBC unless really that attractive. Hate this bank and had bad experience with it.

OK, I will check out Citibank.

This post has been edited by fruitie: Jul 18 2015, 06:53 AM

1. Annual Income: RM60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: payment for Streamyx, electricity and mobile phone bill.

4. Existing credit cards if any: Maybank 2 Cards

5. Looking at CC from: Nothing specific.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.


Even though CIMB Cash Rebate MasterCard offers 2 % for bill payment, I do not really like the requirement of standing instruction. Is there any other alternative?


Thank you for the advice.

This post has been edited by kart: Jul 18 2015, 07:53 AM

fyi, citibank's autocredit the cashback upon reaching RM20 liao, not bad though

yeah, after they revised down the cap, they have to revise down the min autocredit amount too. otherwise it will take ages to achieve that. lol...

Any good card combination to get highest cash back instead of 1% unlimited ?

Alliance Bank You:nique Rebates MasterCard Credit Card? Found out this card can get up to 3% if spend for certain amount

This post has been edited by xalim: Jul 18 2015, 11:26 AM

Aeon Watami? 3% cash rebate every quarter but criteria is to spend at least RM 3k but capped at RM 5k that means you can spend more than 5k but the maximum cash rebate you can get is only RM 150.
All transactions are included except for petrol.

you:nique is tier based, you won't get full 3%.

double post

This post has been edited by victorywp: Jul 18 2015, 01:13 PM

Ya, I do Noticed that also...

SC bank gold cash back card...3.33% if spend 1500 each month. I am considering it now...

ringgitplus.com

For me it not worthy since my big purchased was on petrol and insurance. And this card excluded both of them.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate for Petrol, Online Transactions (Bills), Online Overseas Transactions (Online via Steam / etc.), Sometimes Physical Overseas Transaction (trips)

4. Existing credit cards if any: MBB2Card, Citi Clear Card.

5. Looking at CC from: No Idea

6. Others: I want to maximize the potential cash back per month. Previously I am able to achieve all of the above cash back categories with only MBB2Card but with the recent 1 Aug implementation (removal of 5% CB), guess I gotta need multiple cards to do the above. Monthly spending for above is usually within 800 ~ 1200 only. Some months the spending (Overseas) will exceed 5k, only for business trips. Breakdown of common expenses monthly:
- Bill ~250
- Petrol ~250~350
- other spendings are as-and-when (i.e. swipe on behalf) to achieve 1k cashback cap / business trip spendings.

This post has been edited by polarzbearz: Jul 19 2015, 12:59 PM

hlb not in my list since 50/transaction, for 10 transaction monthly.not under my spending yet

Based on your spending, you're potentially save 10% by using HLB Wise. Just make sure that each transaction is RM50 and 10 times

Hmm, the 10 x RM50 is the tricky part because certain months, the transaction qty is way below that number of usage/swipe

can breakdown ur bills?

u gotta sacrifice something to gain something lo.

e.g. petrol, pump rm50 each time. yes, it's tedious if u got big car u already hit 5-7 times of rm50 transactions dy.

bills, sure got mobile right? split it to multiple of rm50 payments (example: rm50+rm50+rm20 = rm120 mobile bill) or do a bit of overpayment (rm50+rm50+rm50 even if ur bill just rm120)

for 3rd category choose whichever suits ur need. some choose Grocery for its flexibility (e.g. reload ur TNG at mydin/jaya grocer), Utilities if u got huge tnb bills, or even F&B

This post has been edited by cybpsych: Jul 19 2015, 10:16 PM

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate for Petrol, Online Transactions (Bills), Online Overseas Transactions (Online via Steam / etc.)

4. Existing credit cards if any: MBB2Card, CIMB card

5. Looking at CC from: No specified yet

6. Others: Most of my cash back are due to bills and petrol. Every month I have at least 7 bills need to pay. Thanks!

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must - Ok to have waiver with conditions.

3. Card required for: Cash Back/Rebate for petrol, online transaction (bills), and retail shopping. Good reward point is acceptable, and free lounge access (seems impossible for my income?)

4. Existing credit cards if any: M2Card Gold & UOB One Classic

5. Looking at CC from: Any

6. Others: I want to cancel off my M2Card because Amex is not widely accepted in Kuching. It will be good if using Visa/Master. My expenses usually as the following below:
- Petrol RM200 - RM260
- StreamyX RM100
- Mobile Celcom RM45
- Groceries RM100
- Other retail purchases - Not fixed, can be more or less

Maybank Ikhwan should cover petrol and groceries

1. Annual Income: RM30K

2. Free Lifetime Annual Fee: Easy to waive

3. Card required for: Maximum Cash Back/Rebate

4. Existing credit cards if any: None

5. Looking at CC :

- Maybank Islamic MasterCard Ikhwan
- CIMB Cash Rebate MasterCard
- UOB One Card (easy to waive annual fee??)

6. Others:

I was planning to register 2 card CIMB for online transaction and either UOB or Maybank for petrol.

- UniFi > 400
- Petrol > 200
- Online Purchase < 100
- Shopping (grocery& fashion) /Cinema < 100

Does billing online consider online transaction for CIMB CC ?

Nope.

You made a good choice to go for CIMB Cash Rebate because it has 5% cash back for Lazada and App Store, besides it does have promos for these merchants on top of the 5%. So, please check out the website.

For movies, if you go to TGV, then can stick to your MBB cards.

Petrol, groceries, can try MBB Ikhwan and UOB One.

if don't want to have too many cc, just maintain your mbb2cards and sign up for cimb cr as it also covers petrol and grocery with 2% cb.

convert your mbb2cards to ikhwan

will treat points will be write after card conversion ?

Request to shift to Ikhwan.

just send in an email or call d cs to transfer d points.

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Online (steam), petrol, groceries, movies, dining

4. Existing credit cards if any: MBB 2 Gold & OCBC Titanium

5. Looking at CC from: Maybank Islamic MasterCard Ikhwan
CIMB Cash Rebate MasterCard

6. Others: Prefer cashback and reward point if possible

Plan to change MBB 2 Gold to Ikhwan and replace OCBC Titanium to another cash back card. Any other good cash back card good?

UOB One to cover majority of ur spending, then mbb ikhwan mastercard by converting from mbb2card.

lastly, CIMB CR.

UOB one card got annual fee?

yes but waivable.

Yes. May be waivable. I cancelled mine last month as they only waived half for me last year.

maybe depends how 'valuable' you are to them. lol

depends how you "negotiate" with them.

for public VS - insurance payment etc also entitles for 6%?

apart from MBB 2 cards, this is the second best cash rebate card?

is it safe to apply thru agent such as https://ringgitplus.com/en/credit-card/Publ...-Signature.html


This post has been edited by andyfriends: Jul 22 2015, 11:41 PM