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Recommendation for Credit Cards V3, Please post according to Format stated.
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drbone
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 Oct 4 2016, 08:36 PM
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1. Annual Income: around 200K
2. Free Lifetime Annual Fee: A Must / Able to waive off
3. Card required for:
Petrol - above RM 500
TNB- above RM 600
Phone Bill - RM 200 (Celcom & Maxis)
Streamyx: RM 160
Makan - RM 500
Movie - RM 100
Groceries- like any typical family of 3-4
Wealth Insurance-RM 50K / yr
4. Existing credit cards if any: Maybankard 2 cards Platinum AMEX and MasterCard , CIMB Preferred MasterCard
5. Looking at CC from: As long as I can get maximum cash back
Any tips guys?
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drbone
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Oct 5 2016, 07:22 AM
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QUOTE(fly126 @ Oct 4 2016, 10:13 PM) i) PBB Visa Signature- 6% Cash Back on Grocery, Dining and Online Transaction ii) MBB Ikhwan Mastercard- 5% CB on Petrol, Groceries at Fri/Sat (you can Request Convert your M2C Plat. to This Card)iii) SCB Just One Plat.- Up to 15% CB on Insurance, Utilities, via Auto Billing » Click to show Spoiler - click again to hide... « It may NOT be the Best card but You can take a Look ...  HLB Mach- 10% CB on Movie, 5% CB on Dining Spend https://forum.lowyat.net/topic/2421215v) HLB Fortune - 1% Unlimited Cashback but, need min. accumulation spending RM2000/month to qualify CB capped at RM 5000 with Max.$50 cash back + Up to RM1,800 extra Real Cash Earnings on your card's anniversary. But, If you X Achieve (RM2K /monthly) then the CB burn off https://www.hlb.com.my/main/personal/cards/fortune-card Thanks so much fly126 |
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drbone
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Oct 10 2016, 12:32 AM
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QUOTE(snowswc @ Oct 9 2016, 07:58 PM) restructure my card spending pattern after getting a lot of Sifus here advice Online & Dining spent RM 900 > PBB VS = cash rebate RM50 max Petrol (RM 200>Aeon Big card) + Insurance (RM 600 Aeon big card) > Aeon (petrol 5% RM 10 rebate) + Yolo pay for Aeon card (online 6% - 2.12% = RM32) = Total 42 Touch n Go & Grocery spent RM 400> Lady's card (reload at Jaya Grover RM 40 cash back) bulk purchase > Standard Chartered Cash Back RM50 Ambank Infinite > PLL unlimited A little difficult to understand ur post. |
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drbone
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Oct 17 2016, 08:59 PM
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Reposting for further information:
1. Annual Income: reaching 200K
2. Free Lifetime Annual Fee: A Must / Able to waive off
3. Card required for:
Petrol - RM 700- RM 800
TNB- RM 800-RM 1000
Other utilities-RM 200
Phone Bill - RM 200 (Celcom & Maxis)
Streamyx: RM 160
Dining - RM 1000
Movie - RM 100
Groceries- like any typical family of 3-4, maybe about RM 1000
Wealth Insurance-RM 50K / yr which translates to RM 4166/month
4. Existing credit cards if any: Maybankard 2 cards Platinum AMEX and Visa, CIMB Preferred Visa Infinite, PB Visa Signature, MB Ikhwan Mastercard, RHB Premier Visa Infinite
5. Looking at CC from: As long as I can get maximum cash back, as of now I am able to max out the capped amount using PB Visa Signature and MB Ikhwan MasterCard . I am thinking about making use of benefiting from my HLA wealth insurance payment which is RM 50k/yr or RM 4166/month.
Any tips?
This post has been edited by drbone: Oct 17 2016, 09:54 PM
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drbone
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Oct 17 2016, 10:00 PM
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QUOTE(fly126 @ Oct 17 2016, 09:18 PM) HLB Mach (5% CB Dining, 10% CB Movie)HLB Fortune (Insurance) - 1% Unlimited Cashback but, need min. accumulation spending RM2000/month to qualify CB capped at RM 5000 with Max.$50 cash back, If you can NOT Achieve (RM2K /monthly) then the CB burn off https://www.hlb.com.my/main/personal/cards/fortune-cardFor HLB fortune, I will be losing money if I opt for monthly payment because the commitment comes to RM 4300 instead of RM 4166. Is there an option for me to reap maximum benefits from this card since I will be paying RM 50K? |
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drbone
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Oct 17 2016, 10:29 PM
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QUOTE(fruitie @ Oct 17 2016, 10:16 PM) Transfer your other transactions to this card to achieve RM 5k per month. So if I reach 5K/month for this card , would it be superior to PB VS and MB MasterCard Ikhwan? |
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drbone
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Oct 17 2016, 10:39 PM
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QUOTE(fly126 @ Oct 17 2016, 10:35 PM) Different Spending Range... Ok which card would be beneficial then for insurance payment of 50k/yr? 😀 |
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drbone
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Oct 20 2016, 12:18 PM
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QUOTE(fruitie @ Oct 20 2016, 11:16 AM) TNB, SAJ (if is available via online), you can try HLB Wise. Minimum spending of RM 2k for RM 100 cash back. You can add utilities and another category (e.g. groceries, petrol). Free category will be mobile which you can use for your U Mobile and Celcom. As for Astro, you can use CIMB Cash Rebate Plat. Telekom, no credit card gives direct cash back unless you use PBB VS but that requires minimum income of RM 100k per annum. You can pump into HLB Wise as well to make it achieve RM 2k spending per month or you will have to apply an AEON card and pay it via UOBPayOnline/TM Portal. Then, pay back to AEON via PosOnline using CIMB CR but you will be charged with 2.12% service charge. If you want to make your life easier, then just apply a HLB Wise and charge above to the card, you will be guaranteed with RM 100 cash back per month. Paying for Astro with CIMB CR will garner 5% or 2% CB? |
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drbone
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Oct 20 2016, 08:08 PM
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QUOTE(fruitie @ Oct 20 2016, 02:13 PM) So it's considered as e-commerce or online payment then. That's the only option which gives 5%. |
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drbone
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Oct 20 2016, 11:43 PM
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QUOTE(fruitie @ Oct 20 2016, 08:26 PM) But must pay via Astro Online Portal. Haha the more cards we have the more headache there is. |
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drbone
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Nov 3 2016, 11:31 AM
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Best way to get CB from paying for my CIMB CC? Possible?
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drbone
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Nov 4 2016, 07:07 PM
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Which card to use for monthly payment for Prudential insurance ? for CB purpose of course This post has been edited by drbone: Nov 4 2016, 07:11 PM |
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drbone
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Dec 14 2016, 08:27 PM
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QUOTE(fly126 @ Dec 13 2016, 09:09 PM) PBB Visa Signature: 6% Cashback On Grocery, Dining, Online Transaction (Pay your bill thru UOB PayOnline : TNB, TM) or (TIME dot com portal: pay Time Broadband) to Earn CB.+ It's a Lifetime Fee Waiver Card with 12x Swipes p.a. (a MUST Have & most Recommended) https://forum.lowyat.net/topic/3991972Others Petrol, Groceries CB Credit Card, MBB Visa Signature or MBB Ikhwan Mastercard or Citibank Cash Back or UOB One Card I would Said VISA becos got more promo than Mastercard Any other option for Streamyx payment using PBVS other than via uobpayonline or the TM portal? |
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drbone
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Dec 17 2016, 11:50 PM
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QUOTE(fruitie @ Dec 17 2016, 10:20 PM) Have you checked your CCRIS? What's the best way to check? |
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drbone
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Dec 18 2016, 12:22 AM
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QUOTE(sia1990 @ Dec 17 2016, 11:58 PM) Anyone? Is public bank visa signature the best card for me? The requirement for annual Income is higher. |
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