1. Annual Income: RM60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: payment for Streamyx, electricity and mobile phone bill.

4. Existing credit cards if any: Maybank 2 Cards

5. Looking at CC from: Nothing specific.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.


Even though CIMB Cash Rebate MasterCard offers 2 % for bill payment, I do not really like the requirement of standing instruction. Is there any other alternative?


Thank you for the advice.

This post has been edited by kart: Jul 18 2015, 07:53 AM

1. Annual Income: RM60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: payment for Streamyx, electricity and mobile phone bill.
Occasional pharmacy purchase, but not frequent.
Grocery and petrol transactions are now paid with Maybank Islamic MasterCard Ikhwan Card.

4. Existing credit cards if any: Maybank 2 Cards, Maybank Islamic MasterCard Ikhwan Card.

5. Looking at CC from: Perhaps Hong Leong Wise Card.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

I just want to make sure that Hong Leong Wise Card suits my purpose well. Of course, other suitable credit cards can be proposed as well.

For online transactions, which card is better? UOB VOX Card, or CIMB Cash Rebate MasterCard?

For this comparison, please exclude PBB Visa Signature Card, since commoners like me are not eligible for it.

At a glance, UOB VOX Card is better and more versatile, since it offers cashback for air ticket purchase and bill payment. One drawback is that minimum spending is RM 50, but this is not a major issue.

For CIMB Cash Rebate MasterCard, it does not provide cashback for air ticket purchase. It also mandates that the bills are to be paid via standing instruction (less flexible, and we cannot choose payment amount), and gives lower cashback (2 %).

I hope that the experts can shed some light on this, and provide unbiased and fair comparison.

This post has been edited by kart: Nov 15 2015, 09:12 AM

1. Annual Income: RM60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: Preferable. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: Dining. Occasional purchase of pharmacy (in Caring and Guardian), and clothing (Uniqlo and H&M).

4. Existing credit cards if any: Hong Leong Wise Card, Maybank 2 Cards, Maybank Islamic MasterCard Ikhwan Card.

5. Looking at CC from: None.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

Thanks.

Thank you, fly126.

As mentioned by the experts here, we cannot use credit card to reload BIG Prepaid MasterCard.

Thus, I have to rely on the combination of AEON Credit Card plus Online Cash Back Card, so that I can gain cashback on miscellaneous purchases which are usually not given cashback by other credit cards.

I am currently undecided on which AEON Credit Card or AEON BiG Credit Card that I should choose.


1. Annual Income: RM 60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: Preferable. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: Dining, clothing (Uniqlo and H&M), and other miscellaneous purchases which are not given cashback by other credit cards.

4. Existing credit cards if any: Hong Leong Wise Card, Maybank 2 Cards, Maybank Islamic MasterCard Ikhwan Card, UOB VOX Card.

5. Looking at CC from: AEON Credit Card or AEON BiG Credit Card.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

Thanks.

1. Annual Income: RM 60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: Preferable. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: Grocery, Departmental, Mobile Phone Bill Payment, Petrol, Dining and Pharmacy.

4. Existing credit cards if any: Hong Leong Wise Card, Maybank 2 Cards, Maybank Islamic MasterCard Ikhwan Card, UOB VOX Card.

5. Looking at CC from: None.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

7. Cards to be cancelled: Hong Leong Wise Card and UOB VOX Card (to be cancelled, if there are better credit cards)

Thanks.

This post has been edited by kart: Sep 22 2016, 10:17 PM

Is there any suggestion for me?

I can replace UOB VOX Card with CIMB Cash Rebate MasterCard.

But, what about departmental spending (such as in Aeon Departmental)?

Thank you very much as always, fly126.

My primary concerns are departmental spending (in Aeon Departmental), and payment for Maxis bill, which were performed, using WISE Card. If I am to cancel WISE card, I am unsure which card to replace WISE Card.

Correct me, if I am wrong. The 2% departmental cashback for Mach Credit Card is not given based on MCC Code 5311. Aeon Departmental is excluded from the list of eligible merchants, for Mach Credit Card.