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

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eric84cool
post Sep 1 2015, 05:19 PM

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Joined: Jan 2003
From: Sing-a-poor / Kayell / Jay-Bee
1. Annual Income:

2. Free Lifetime Annual Fee: Could be either. Preferable Free For Life or min. swipe in order to waive AF.

3. Card required for: Mobile, Groceries, Dining, Utilities, Petrol, Insurance & retail.

4. Existing credit cards if any: MBB 2 AMEX/VISA, AEON MC, HL WISE

5. Looking at CC from: Unsure.

6. Others: I'm looking for a CB/Reward type CC that cover for my groceries, utilities, insurance & retail.

My current CC divided into following categories

HL WISE - Mobile, Petrol, Dining
MBB AMEX - TNB, Retail
MBB VISA - Retail that doesn't accept AMEX
AEON MC - For AEON store and PPL purpose.

Looking for CC that benefit me in the following categories.

??? - Utilities (TMNET, TNB)
??? - Insurance
??? - Groceries & Retail
CIMB Cash Rebate Platinum - Online ??

This post has been edited by eric84cool: Sep 1 2015, 05:35 PM
eric84cool
post Sep 1 2015, 05:50 PM

I'm BACK!!!
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Joined: Jan 2003
From: Sing-a-poor / Kayell / Jay-Bee
QUOTE(fruitie @ Sep 1 2015, 05:37 PM)
For dining, why don't you change to MACH. Then spare HLB Wise for utilities.
Well, the only trade off is 5% vs existing 10%. Unless you dine super a lot, else I think MACH is a better option or maybe even PBB VS.
At least your TNB is covered now by Wise.

TM - Yet to be verified for UOB VOX. I have already tried but the result will only know on 30th September. So not sure if that gives 5% rebate.

Insurance - Aeon Watami if your spending is at least RM 3k per quarter. If it is difficult to achieve, you can chunk in your TNB, TM, retail and other expenses here.

Groceries - You can add MBB Ikhwan, that also gives you another slot for petrol. Else, you can also add in MBB VS.

Since you didn't put in your salary information, I will assume it is RM 100k and above which you can qualify for PBB VS and MBB VS.
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i'm not qualify for the PBB VS. Checked but for MBB VS, need to spend big amount to get it waived so NO-NO.

Perhaps after look at your comment, I think I gonna combine my monthly essential expenses into

AEON WATAMI - TM, Insurance, Condo Maintenance, TNB into this card.

Now looking for one more card to cover for retail/online/groceries. icon_question.gif icon_question.gif icon_question.gif
eric84cool
post Sep 14 2016, 01:21 PM

I'm BACK!!!
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Senior Member
4,540 posts

Joined: Jan 2003
From: Sing-a-poor / Kayell / Jay-Bee
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.  nod.gif

Pls Refer to Post #2281 for Details.
https://forum.lowyat.net/index.php?showtopi...80&p=81544634&#
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Seriously not really a good card as it earns 1.2% to 3.4% based on spending range.
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