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 Recommendation for Credit Cards V3, Please post according to Format stated.

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MeToo
post Oct 1 2015, 10:35 AM

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QUOTE(cybpsych @ Oct 1 2015, 10:24 AM)
this is the proper topic to ask.

if your car dealer can accept credit card (i guess for downpayment, not to service hire purchase), then choose those with unlimited cashback.

if i'm not mistaken, HLB Essential (1%) or HLB Fortune (1%).
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Essential monthyl CB capped at RM50... but the yearly target is interesting... if I swipe 70k.. looks like I will be getting RM50 + RM880 (annual milestone bonus).

Cant find if Essential has any cap... hmm.gif
MeToo
post Oct 2 2015, 11:19 AM

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QUOTE(fly126 @ Oct 2 2015, 01:57 AM)
HLB Essential should be 1% Unlimited CB, No Cash back on Petrol
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Sorry I mean the Essential CB is capped at 50 which is kinda low, the yearly target etc was referring to Fortune card blush.gif
MeToo
post Oct 2 2015, 11:24 AM

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QUOTE(fly126 @ Oct 2 2015, 01:51 AM)
Annual Income: RM32,400 OR RM324,000...??? hmm.gif  rclxub.gif

IF with Annual Income:  RM 324,000 = Maybank 2 Cards Premier https://forum.lowyat.net/topic/3135958
OR
Ambank World Mastercard/Visa infinite https://forum.lowyat.net/index.php?showtopi...post&p=76555929

BUT,
If You Only Earn RM32,400 p.a = HLB Wise, Which's Good for Utilities Payment https://forum.lowyat.net/topic/3590192
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Maybank 2 Premier... is there any advantage of getting the 2 cards instead of just the Visa Signature from Maybank?

The Visa Signature (which I just got approved) is 5% CB for Petrol/Grocery (CB Capped at RM88), 5x free lounge , Annual waiver if RM50k spent, and 5x TP for overseas spending.

Seems to be the better option all around? (Ofcourse I have the PB Signature as well to complement it)
MeToo
post Aug 10 2016, 10:46 AM

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Um... my previous post got deleted cause wrong section i reckon... oh well..

I need help to indentify the best value card for points/cashback

I'm going to swipe around 80~90k in about 1 month's time,

thats just enough time for me to apply a new card..... should be able to qualify for almost any "normal cards" as usually the income requirement only goes up to 250k... pls no Amex Centurion la sweat.gif

I'm aiming for the best return in bucks... be it in points or Cash Back (preffered).

It will be a one use card... i will probably cancel it afterwards.

Currently I have CIMB WOrld, PBB Sig, HLB Wise, AMB Infinite, MBB Sig, MBB Amex

Thanks for help! thumbsup.gif

This post has been edited by MeToo: Aug 10 2016, 10:48 AM
MeToo
post Aug 10 2016, 12:15 PM

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QUOTE(fruitie @ Aug 10 2016, 11:19 AM)
I can think of HLB Essential and HLB Fortune.

HLB Essential: https://www.hlb.com.my/main/personal/cards/essential-card
0.6% cash back on first RM5,000 spend (tier 1)
1% unlimited cash back on subsequent spend (tier 2)
Enjoy automatic annual fee waiver with a minimum of 12 retail transactions or RM8,000 retail spend a year.

HLB Fortune: https://www.hlb.com.my/main/personal/cards/fortune-card
1% Real Cash Earnings on your purchases*

Whether it's shopping, dining, petrol or anything else, you will earn 1% cash for every Ringgit spent. E.g. RM100 x 1% = RM1. Spend more, earn more.

Real cash earning is awarded to the cardholder based on the total posted Ringgit amount of retail purchases (local and international) charged to the card, including supplementary credit card(s). In the event posted transaction falls on statement date, the transaction will be calculated for real cash earnings in the following month.

*Real Cash Earnings will only be credited upon meeting the minimum threshold of RM20 and capped at a maximum of RM50 calculated on a monthly basis.

The interesting part about this card is this:
user posted image

For more information, you can refer to the link.
Enjoy automatic annual fee waiver with just a minimum of 12 retail transactions or RM8,000 retail spend a year.

But you will need to keep Fortune card for a year to get the bonus as it is calculated on annual basis. smile.gif
*

Good feedback bro!! notworthy.gif

Looking at this Fortune seems to be fit my requirements better...

But I have to hit the 108k within the year.. which is 90k on a swipe + say 20k on my insurance.. 2 swipe and I hit the 108k. Which gives me RM50+RM50+RM1800 = RM1900 Total CB (after a year...) (nett CB 1.76%)

The Essential will nett me : RM900 + RM120 (only 0.6% CB for insurance) = RM1020 immediately (nett CB 0.95%)



Now... wonder if the FOrtune will allow me to convert to installment at 0% interest.. and if so will it register as monthly purchase so to repeatedly get the RM50 cap per month... hmm.gif

This post has been edited by MeToo: Aug 10 2016, 12:18 PM
MeToo
post Aug 10 2016, 02:36 PM

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QUOTE(fruitie @ Aug 10 2016, 12:47 PM)
I'm not bro la. You gotta check if insurance is allowed and consider installment as purchase.
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Insurance should be in, cause in Essential its specifically mentioned insurance only 0.6% instead of 1%, but will double check.


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