It seems the HLB Wise Gold is back.
I'm still reluctant to apply this card because I cannot achieve what it requires.

1. Annual Income: >60k but <100k

2. Free Lifetime Annual Fee: I'm OK if it's waivable or can be waived with easy and achievable conditions.

3. Card required for: Utilities bills, petrol, shopping, groceries (for TnG purpose) and good cash back.

4. Existing credit cards if any: MBB2Cards Plat, CIMB Cash Rebate Plat, HLB MACH, OCBC GE Plat, Aeon Gold, RHB Plat and AmBank Plat.

5. Looking at CC from: Any bank.

6. Others: Must be easy to register its online portal. Actually, I will need recommendations to cancel some of my cards as well. Kinda find them useless. Please advise. I have in mind will be RHB Plat, I only have it for two months now but find it pretty useless as it doesn't have many promotions. Moreover, I applied it was for PPL which actually Aeon Gold and AmBank have covered. Though AmBank has conditions but it's not a difficult task for me especially it's a free for life card and offers unlimited PPL entries, so worth keeping.

This post has been edited by fruitie: Jul 17 2015, 11:00 PM

You still remember I used to have these two cards. Are they really that good that worth re-applying again?
I had issue applying for UOB online account and I was asked to walk in to the nearest branch to get it fixed. In the end, I didn't manage to register for it and eventually cancelled the card.

As for HSBC Amanah, I registered and was told will be given with free tablet or watch which I didn't get it eventually. However, please put it aside besides this, if I'm not wrong it has a fixed management fees every month though I paid in full last time.

If you ask me, I would rather pick UOB One Plat rather than HSBC Amanah. Any other choices besides HSBC?

I wanna reduce my cards, so that banks won't see me as a high exposure customer. Though I do want to keep all if I have the opportunity, but I'm afraid that I will be rejected for those worthy cards later...

Thanks by the way.

No. I paid before every month for my HSBC Amanah, of course I paid full every month. Until the day I terminated it with no outstanding, I still got charged and called to scold to them. Then, only reversed the charges for me. Let me find back those posts, I asked before. It's around RM 1.xx every month.

Edit: I found out that it was for BT charges of 1.99%, I took it up for tablet which I didn't get it eventually. No, won't be returning back to HSBC unless really that attractive. Hate this bank and had bad experience with it.

OK, I will check out Citibank.

This post has been edited by fruitie: Jul 18 2015, 06:53 AM

Aeon Watami? 3% cash rebate every quarter but criteria is to spend at least RM 3k but capped at RM 5k that means you can spend more than 5k but the maximum cash rebate you can get is only RM 150.
All transactions are included except for petrol.

Nope.

You made a good choice to go for CIMB Cash Rebate because it has 5% cash back for Lazada and App Store, besides it does have promos for these merchants on top of the 5%. So, please check out the website.

For movies, if you go to TGV, then can stick to your MBB cards.

Petrol, groceries, can try MBB Ikhwan and UOB One.

Request to shift to Ikhwan.

How is insurance part of these categories: Grocery, Dining and Online purchases?

Yes, it is a good card. MBB2Cards will be demoted soon, so I will say PBB VS and MBB VS are worth applying if your annual income is >100k.

I have never applied from RinggitPlus before but many of the forummers from this section have applied for the sake of free gifts.
I think so far quite OK, never really hear any bad complaints.

Though I'm a paranoid person, not too comfortable to expose my details to a third party....

Well, there are UOB One, Maybank Ikhwan and HLB Wise.

I don't think the utilities bills are part of online purchases unless you use online portal like UOB PayOnline to pay.

PBB VS thread has the list: https://forum.lowyat.net/topic/3606285

This post has been edited by fruitie: Jul 23 2015, 12:09 AM

MBB VS.

Well, use for first year first and see if there is better cards.
Else, you can try applying UOB One Plat, the AF is easily waived.

Like I mentioned earlier, you will need to use UOB PayOnline.
This is also mentioned in the thread: • UOB PayOnline (TNB, TM, SYABAS, DBKL)

I wish there is such thing.

Unlimited 1%, is this OK for you?
HLB Essential but with criteria, minimum swipe is RM 100 per transaction.

This post has been edited by fruitie: Jul 27 2015, 03:38 PM

Oh yeah, you are right.
This means the card is not too bad.

It was good previously but it will revise its benefits from 1st August onward.
The 5% weekend cash rebate is only applicable for dining via AmEx. Unless you dine a lot during weekends and those places accept AmEx, then MBB2Cards is a better choice.

But well, yet it still has 5xTP which gives about 1.25% return.

That said, your income is below RM 36k, so you are only allowed to have two issuing banks' cards. So, you have to prioritize your usage.
It is better to apply for cards which give you cash back now rather than points.

You can apply for Public Bank Visa Signature for dining, online, groceries and complement with Maybank Visa Signature for groceries and petrol.

Groceries and petrol will be solved with MBB Ikhwan and if get rejected then UOB One Plat.

For dining, I will suggest HLB MACH, all my dining spending are swiped with this card. RM 100 cash back per quarter, 5% rebate.

Have your income touched RM 100k? If yes, then apply PBB VS and MBB VS.

If not, then please refer to first post for some recommendations.

There is no SOP, so it depends on the bank, branch and even officer that your dealt with.

Some can be quick, some can take their own sweet time. Safe to say from application to receiving card, the most is around 1 month time (based on my own experience).