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?

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

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...

NO rebate for spending above >2%. you should search the alliance bank credit card thread to understand the tier process. according to forummers, percentage is based on tier, so even if you spend RM3000, your rebate aint 2%, each block of the expenses multiplies by it's cash back rebate rate. so effectively less than 2%

For Dining, there's Maybank 2 card AMEX, but bear in mind many dining places do not accept amex.
HLB Mach for dining, but you need to choose the right category/package.

There's UOB one for petrol, phone bill. better than cimb.

Can try HLB Essential. Aeon Watami is limited...

A few you can try out and combine

Citibank Cash Back (or similar twin UOB one card) for petrol and maxis/digi/celcom, UOB Vox/cimb cash back for online shopping, HLB Essential for insurance, M2C for dining weekend but amex is a 'problem'.

This post has been edited by adele123: Aug 23 2015, 06:15 PM

[quote=Zavia/GenX,Oct 19 2015, 10:37 AM]
Recommend that you ask the same question here:

https://forum.lowyat.net/topic/3644347

[/quote]
Hi,

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must (as long as ada jalan to make it free ok)

3. Card required for:
PRIMARY: Free Airport Lounge Access
SECONDARY: Cash Back/Rebate, AirMiles, Overseas Transactions

4. Existing credit cards if any: UOB ONE, really need to change de as I hardly benefit from the cashbacks

5. Looking at CC from: Malaysia, non islamic.

6. Others: I use both Airasia and MAS airlines, monthly.

Question: So with the removal of RM50/cc (its been a while I looked into cc), can I get like 2 or 3 cards and stack up the multiple access to the lounges? And is there any negatives for having many cards, as long as I can pay on time what I spend.

[/quote]

Citi platinum. Unlimited access for lounge.

maybe this can help... but aeon at 0% is the best... though 6 months only...

citibank BT

If I rmb correctly, maybank has a ok rate for balance transfer for 12m and 24m

It's not 0% but better than getting charged 18%

Mbb ikhwan or uob one/citibank cash back

Maybank VS for groceries and petrol. 5% cash rebate is more direct than enrich points i guess?

For your purchase for your new house, I’m guessing plenty of big ticket items. Cards to suggest:

HLB Essential
Alliance Younique
OCBC 365 or OCBC World Master Card if you fulfill the min income requirement.

These cards give rebates but are tier basis

For solving part of your EPP problem, you can look at OCBC Silver/Platinum. It will auto convert your expenses into 6 months 0% instalment and also giving 0.5%. But it’s only for 6 months.

It would really depend on where you buy your appliances and which are the bank partners in providing the 0% EPP.

It is legit. Others on the forum have done it. Though i'm sure there's still some basic t&c one needs to fulfill.

For uob or citibank cards recommended the fellow forummer, they both have similar features/cash rebate but they do have annual fee. I recommend to apply first. use it for first year, if they don't waive, cancel. Apply the other banks.

These benefits won't last long, so enjoy while last. worry about the annual fee one year later.

Actually, given that insurance companies allow customer to payonline on their websitr one can test it out using the cards with online rebate as this is still new gateway or new payment method in a way. but most ppl do monthly autodebit hence testers are very limited.

This post has been edited by adele123: Oct 14 2016, 12:39 AM

According to their website, they do now.

To clarify, cause i went to GE website the other day. Saw the banner saying something about paying online, so i think is paying at their website.

try uob yolo (min spend 500 a month to get rebate) or citibank cash back

uob one card

alternative: cimb cash rebate

Pbb vs and mbb vs. These 2 covers alot of necessary expenses.