QUOTE(chris_xi @ Aug 6 2015, 10:53 PM)
1. Annual Income: RM36K to RM60K
2. Free Lifetime Annual Fee: not necessary if it can be waived with condition
3. Card required for: Petrol, Telco
4. Existing credit cards if any: Maybank 2 Cards Gold (RIP), Aeon Watami Visa, AEON New Gold Visa
5. Looking at CC from: not sure
6. Others: My main expenses now are Petrol and Telco. Followed by Pharmacy/Groceries. Maybank 2 Cards has been the only card for the expenses I mentioned but it's worthless now except for occasional Dining.
*Is there any more "hybrid" card besides Maybank 2 Cards (Points + Cashback) and AEON Watami (Cashback + Points) on the market?
Thanks a lot.
what's your average spend amount for each category: Petrol, Telco, Pharmacy, Grocery?
if you can accept HLB Wise's AF (year 2 onwards, year 1 is waived), then choose this card for Petrol+Grocery+Telco.
to tackle your Pharmacy (if Watson's)... HLB Wise (Grocery) -> Reload TnG @ Jaya Grocer (refer this
topic) -> Pay using TnG @ Watson's.