Annual Income: RM42k

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Mostly used for shopping but not often, but usually it's a big sum. hope can get a good cash back or bonus points to redeem stuff

5. Looking at CC from: no

6. Others: got mbb 2 cards

hmm... not sure which to get. HL Bank Essential credit card or alliance unique credit card?

bro fly126, still undecided on which to take

HL Bank Essential credit card or alliance unique credit card?

urm, for petrol cash back i have my citibank to cover for it. my purpose for this card is sometimes i would use a big sum to purchase something but not very often. for example... thinking of getting a proposal ring with this new card. so thinking which cashback rebate is better for it.

but the card u recommend has a cash back cap at 50 per month for spending over 1.5k

thanks... seeing the rebates... i think i might go for alliance bank unique as the diff is only by 0.1% with hl bank essential.

and alliance unique have 3% rebates if u spend over 3k where hl bank essential required you to spend over 5k to get 1% rebate

[quote=fly126,Nov 23 2016, 12:39 PM]
[quote=danes007,Nov 23 2016, 12:16 PM]
Hi there,

1. Annual Income: RM36K to RM50K

2. Free Lifetime Annual Fee: A Must/ Call & Waive at least

3. Card required for: Petrol (Shell or all petrol station), Phone bill ( U mobile), TM bills, occasional domestic travel (hotels).

4. Existing credit cards if any: None

5. Looking at CC from: Open for suggestions

6. Others: Looking to get some free gifts / vouchers when apply.

Thanks in advance


i) CIMB Cash Rebate Mastercard
* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES)
* 2% CB for Petrol, Groceries
* 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month) NO CB on Flight Tickets Booking
* 0.2% CB on Other Retail Spend
With Total Maximum CB capped at RM50/month
https://forum.lowyat.net/topic/3988506

ii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat.

[/quote]


Bro Fly126,

I mostly use this card for online spending like lazada, 11street, taobao and other online merchant and also retail outlets spending.

Which card do you advise me to go for?

Standard chartered cash back ? or Alliance unique card? Cimb cash rebate? UOB YOLO card?