It requires 8 RM 50 swipe right?

Online transaction valid also?

instead, maybe can purchase aeon voucher using your ikhwan for 5% instead of using aeon gold.

Correct, can double check the MCC at the MCC thread.

bro fly126, still undecided on which to take

HL Bank Essential credit card or alliance unique credit card?

HLB Wise is great. but any 2nd card can recommend for higher cap/month. my monthly bill rm 4500, use hlb wise pay tnb rm50x10 time= rm500, still have rm4000 left. please... online search a lot but dont know which is suitable. how about CIMB Cash Rebate Platinum MasterCard?

Thanks for reply.
I pay rm50x20time get  max cap rm100(10%), still left rm3500 to earn more cash rebate. U are right, maybe can apply another 3 or more card for hlb wise. Haaaa

I also looking for higher rebate cc for online purchase. Any suggestions?

urm, for petrol cash back i have my citibank  to cover for it. my purpose for this card is sometimes i would use a big sum to purchase something but not very often. for example... thinking of getting a proposal ring with this new card. so thinking which cashback rebate is better for it.

but the card u recommend has a cash back cap at 50 per month for spending over 1.5k

thanks for the infor but however i called alliance younique, insurance no cash back only for retail spending!

even if check on the website, is stated for all retail spending only. no insurance n petrol is mentioned on it.

If that's the case is PTPTN loan repayment counted as retail transaction too? 

haha
i plan to apply cc
because i lazy every time i pump petrol need bring cash out
and i do onsite a lot
travel need pump petrol
if use debit
the petrol on hold me rm 200
pbb debit card on hold me rm 400 haven return me yet
thats why plan to get cc

To all sifu out there.

I wanna check. I'm holding Maybank dual card, HL Wise and AEON Watami. And I'm loving it. but then Watami is history now.

What is the next good credit card for cash back on big amount transaction? (e.g: Annual Insurance premium etc.) - Watami served me well for the past 1 year plus. Now looking for alternative for it.

Thanks in advance.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Both ok.

3. Card required for:
Cash Back (YEAH!!!)

4. Existing credit cards if any:
HL Wise, MBB Dual, AEON Watami

5. Looking at CC from: No preference.

Anyone use to follow Genx blog? Since he retire, got any other similar ones ?
It was very educational his tips..
Thank you.

Since mainly general expenses,

1. AEON Big Gold
2. UOB VOX
3. MBB Ikhwan Master

  use VOX to pay AEON expenses via POSOnline for online cashback. 

i applied but unsuccessful

sorry but what is pledging FD?

put money into FD (fixed deposit) and used as collateral ("pledging") to apply credit card.

this method is not recommended:

1) you need substantial amount of money for FD placement, usually min RM10k
2) e.g. RM10k FD cannot be used in case of emergency.
3) remove the FD, card is canceled.

wow so many risk, much dangerous.. nvm, i'll just wait until i am eligible

Try Aeon Credit Card, especially if you purchase groceries from Aeon. 2% rebate for online if not mistaken.

UOB One Visa card, 5% rebate for petrol on weekends, another 3% if BHP.
Online shopping can use OCBC Blue/Pink Mastercard 1% rebate

Good to have one Visa one Master, in case the system is down etc.