Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsRecommendation for Credit Cards V3, Please post according to Format stated.
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 Aug 19 2015, 08:57 AM
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#1
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Senior Member
2,714 posts Joined: May 2008  
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QUOTE(victorywp @ Aug 17 2015, 09:35 PM) pbb charges 0.5% of your fd amount for stamp duty. means you need to pay at least rm170 upfront for a min rm34k fd (non-promo fd rate) before you start earning cb from this pbb vs. Wow, so much hassle just to get the card... I think the interest losses maybe even higher than the cash rebate earn..   |
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Aug 19 2015, 09:07 AM
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#2
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Senior Member
2,714 posts Joined: May 2008
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By the way, any suggestion on credit card to pay for TNB and Telekom, streamyx bills? Previously using Maybank2card, now looking for substitute.
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Aug 21 2015, 08:36 AM
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#3
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(karcity @ Aug 20 2015, 08:16 PM) PBB VS This one requirement too high, need 10k income per month |
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Aug 21 2015, 09:14 AM
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#4
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(karcity @ Aug 21 2015, 09:07 AM) How much is your bill payment per month? Lots of cards can use la.PBB VS is the most convenient one only. If you didn't meet the requirement, can use other cc. Eg.Hong leong Wise Gold. TNB amounting 400 ~ 500 2 house holdStreamyx about 250 2 house hold HL wise, I select petrol n groceries, already max out. besides even if I choose utilities, it is only apply to TNB, not streamyx |
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Aug 24 2015, 02:04 PM
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#5
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(karcity @ Aug 21 2015, 03:35 PM) Why not petrol and groceries use other card? WiSE card to pay TNB? Lot of cc give rebate to petrol and groceries My petrol usage is a lot, citibank + wise add up just nice. Groceries, I used it to top up TnG at Mydin, I cannot find any credit card which gives better value on grocerries. |
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Aug 25 2015, 08:28 AM
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#6
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(MohdPuskas @ Aug 24 2015, 09:54 PM) The best credit card for balance transfer purpose ? Aeon Credit card, 0% BT for 6 months  |
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Aug 26 2015, 12:28 PM
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#7
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(tuboflard @ Aug 25 2015, 09:13 AM) Well, if your spending is more than RM2K a month, HSBC Amanah? 8% on petrol and groceries on weekends. The effective cash back will never be 8% as it is cap at RM100 per month, the maximum can earn is 5% cash back and is restricted on weekend only.Cashback Category Cashback Rate Monthly Cap Spend Petrol, Groceries and Dining 3% RM100 up to RM2000 monthly on weekends only Petrol, Groceries and Dining 8% RM100 from RM2001 and above monthly on weekends only Overseas Spend 1% uncapped any amount in a single receipt Local Spend 0.2% uncapped any amount in a single receipt |
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Aug 28 2015, 09:00 AM
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#8
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(prototype @ Aug 27 2015, 12:16 AM) 1. Annual Income: RM60K to RM100K Bro, you are in the same situation as me. What I do is that I apply for Aeon Watami, 3% cash back on Unifi and TNB and for astro I use CIMB cash back rewards.... wondering if there is any other better options.2. Free Lifetime Annual Fee: A Must 3. Card required for: Cash rebate from bill payments to Unifi, Astro, TNB. 4. Existing credit cards if any: HLB Wise 5. Looking at CC from: PB VS.. but not eligible,,,, |
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Aug 31 2015, 09:36 AM
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#9
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2,714 posts Joined: May 2008
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QUOTE(lschia @ Aug 28 2015, 04:15 PM) how did you paid TNB with Aeon Watami? You can use UOB PayOnline portal, it accept any credit card. |
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Aug 31 2015, 09:40 AM
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#10
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(babygajah @ Aug 29 2015, 09:20 PM) 1. Annual Income: RM36K to RM60K Aeon Watami can cover everything except petrol with a cash back of 3% assuming you charged between RM3000 to RM4500 per every 3 months. Charged less no rebate while charge more, rebate is capped at RM1502. Free Lifetime Annual Fee: A Must 3. Card required for: Main Priority : Advance payment for reimbursable medical expenses e.g. medical checkups, specialist appointments, dental, spectacles, etc. Not-so-main priority : Cash back/rebate via petrol, utilities, groceries 4. Existing credit cards if any: Nil 5. Looking at CC from: Nil 6. Others: Referring to item #3, it's because I don't have medical card. But my company allows me to claim quite high amount of medical expenses. I've been using debit card for the past 4 yrs bcoz I had a bad history with CC & I learnt my lesson the hard way. I'm hoping I won't make the same mistake again. |
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Jul 14 2016, 08:19 AM
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#11
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(lawrencehl @ Jul 14 2016, 08:16 AM) Scare that forget swipe my vox card once per month.... Yuv Public Bank Visa signature need high income. For pbb visa signature Minimum annual incomeRM100000?  for VOX easy to hit, somethings just split your bills when shopping for grocerries, or paying utilitye and phone bills |
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Jul 14 2016, 08:28 AM
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#12
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(kelvinlzy @ Jul 13 2016, 08:57 PM) Any reason you want to replace UOB Vox? Use it once per statement month and you can easily get waived. So far other online cashback cards include CIMB CR (5%), PBB Visa Signature (6%), Ambank True Visa(3%) and Aeon Big Visa (2% + Free PPL access 6x per year) Care to elaborate more on Ambank True Visa (3%). I search their website didn't say anything about cash back or rewards.  |
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Jul 14 2016, 08:37 AM
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#13
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(lawrencehl @ Jul 14 2016, 08:29 AM) Did Cimb cr required swipe ? times to waived annual fee? CIMB cash rebate platinum don't have annual fee... so no need to worry about it. |
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Jul 14 2016, 08:59 AM
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#14
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(cybpsych @ Jul 14 2016, 08:40 AM) here Thanks so much for the details. Just finish reading it.http://www.truebyambank.com/Documents/TRUE...editCardTnC.pdf http://www.truebyambank.com/Documents/TRUE...editCardFAQ.pdf Compare with CIMB Cash Rewards, I think ambank is not so generous. Haha.. when you ffirst say 3%... I thought is something similar like WATAMI  but then only realize apply for limited online transaction. |
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Sep 13 2016, 08:15 AM
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#15
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Senior Member
2,714 posts Joined: May 2008
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Hi Sifus, which credit card is the best to paid TM bills, besides PB Signature, cannot meet the requirement :-(
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Sep 13 2016, 01:04 PM
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#16
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(fruitie @ Sep 13 2016, 11:01 AM) CIMB CR and pay using PosOnline, 2.12% service charge. Ok.. I will try with POS online as I have CIMb CR readily available.Is it confirmed that CIMB will logged this as internet transaction. Last time I try with UOB payonline, but it still put under telekom... maybe pos online will be different Keep finger crossed. |
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Sep 13 2016, 01:50 PM
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#17
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Senior Member
2,714 posts Joined: May 2008
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QUOTE(fly126 @ Sep 13 2016, 11:14 AM) If Your Petrol + e-Commerce + Auto Billing (Insurance, Utilities, Telco) Spend = RM 1000/month then, SBC JustOne Plat. is Your Card can Earn You up to 5% Cash Back. Thanks for your info... I read that there is a capping of RM12 for 1000 to 1499, so in total only get 1.2%? Pls Refer to Post #2281 for Details. https://forum.lowyat.net/index.php?showtopi...80&p=81544634&# |
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