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Recommendation for Credit Cards V3, Please post according to Format stated.
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Hellkite
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 Jul 27 2016, 03:28 PM
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Getting Started
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1. Annual Income: RM80K.
2. Free Lifetime Annual Fee: Preferable.
3. Card required for: Cashback (must)
Mainly used for general expenditure like insurance, condo maintenance, kids daycare..
4. Existing credit cards if any: Maybank 2 cards, Pbb & Maybank visa signature, cimb cash rebate Mastercard, Alliance younique
5. Looking at CC from: Any
6. Others: Looking to maximize my cashback for general spending since the alliance younique rebate is approaching max every month and I foresee more general expenses coming in the near future. My other cards already give me cashback on petrol, groceries, utility and telcos bills etc. Need this recommendation for spending on the other categories since no more OCBC titanium unlimited 1% cashback.
Thanks.
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Hellkite
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Jul 27 2016, 10:23 PM
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Getting Started
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QUOTE(fly126 @ Jul 27 2016, 04:02 PM) Thanks, I guess that's the best alternative for a cashback card for general expenses. Will probably get the hlb fortune card since the bonus element makes it higher than 1% cashback. |
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Hellkite
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Jul 28 2016, 04:01 PM
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Getting Started
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QUOTE(laymank @ Jul 27 2016, 10:43 PM) if you don't mind a bit of hassle, but will get you 3% on general spending, please consider UOB VOX also to complement your CIMB CR. Then also get AEON credit card. Spend with AEON card, use POSOnline to pay your AEON card with UOB BOX/CIMB CR which gives you 5%, while POSOnline will charge you 2%. But with the above combination, you will be limited to RM1600 (1k from VOX, 600 from CIMB CR) spending for maximum cashback from the 2 cards. Thanks for highlighting that combo. Yes, I did consider it but my transactions like insurance tend to be large and lumpy and higher than the RM1600 limit. Will be too much of a hassle. |
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