First, you need to understand the needs of all people.
Some loves to convert points to Enrich Miles, shopping vouchers and etc.
Second, not every category has all those rebates you mentioned up there.
Third, you may argue 3% Watami covers most of the expenses but not all spends at least RM 3k per quarter.

Lastly, not many like to wait for rebate to get accumulated. One month later or next month also complained much!

This post has been edited by David83: Sep 15 2015, 09:52 PM

Don't forgot ...
Most of the 3, 5 or 10% Cash back CC do come with Annual fee+6% GST
While M2C or Islamic ikhwan CC is Lifetime Fee Waivers...

Watami free if swipe 12x/year. So one swipe/month also good enough.

Refer to my post's third point.

For a frequent traveller, TP conversion to EM comes handy to upgrade to business class and redeem free tickets. So, TP is useful for some but maybe not you.

This post has been edited by fruitie: Sep 15 2015, 10:10 PM

I am staying on Penang, there're NO Watami in My State...!!!

Be fair but you can still enjoy the cash rebate ma.

In some sense it is a junk card, but still, it can pay almost everything, as long as the merchant accepting it.
And redeem AeonBig gift card and use it on 28th you are getting rm110.25.

Was refering to the post need to pay for AF la.

Er, you got aeon in Penang right? Just go to their customer service counter and apply. No need for watami store. Not sure if you can apply from aeon big. If I am not mistaken can. (check again on aeon big).

Spend anything with Aeon watami except petrol and I forgot what, max RM1k/month and get 3% cashback. Easy to reach. Rather than use M2Card.

This post has been edited by Ramjade: Sep 15 2015, 10:26 PM

Just Received...
[QUOTE]RM0.00 Maybank:We are pleased to inform that your application has been approved.Thank you.[/QUOTE］
Finally,

My Ikhwan Card just been approved by Appeal to Slipt off 50%CL from M2C...

Btw, Im not Sure whether Aeon allow Me to apply Their Watami in Penang....

From what I know, one of the way to get a watami is like I said, go to their customer service counter and apply.

This post has been edited by Ramjade: Sep 15 2015, 10:45 PM

there's only ONE watami in the whole malaysia. meaning that there's onely ONE state have watami. but aeon watami cc own by many people in all other states. so, there should be no issue to apply for one in penang.

rm1k/month average (rm3k/quarter) is min to get 3%, not max. max is rm5k/quarter.

on paper, m2card amex for sure ranks the lowest. of course compare with others, even Mach or Ikhwan sapu amex.

however, 5% cb weekend dining and unlimited 5X TPs is still so-so OK la, not until "worthless junk"-level la.

i still used it for weekend dining (than using Mach) and pay TNB.


highly not recommended to be primary card; just treat it as 3rd/4th/5th card or use it as "reward" card instead

If one don't eat outside? TNB can be paid using HLB ise for maximum CB.

yeah, weekend dining use amex better compared to mach (if the merchant accept amex) because of the extra 5x tp. i also still using it to pay tnb because both of my hlb wise i also choose grocery and petrol lol...

Aiya, if we want to keep, then we keep la.
If you don't want, then don't keep la, if you have one la. We already stated our reasons and yet you still argue with us.
Whatever you mentioned, we know the cards in and out very well.
We also have other cards la.

This post has been edited by fruitie: Sep 15 2015, 11:25 PM

even better if dont eat outside.

adoi, u are thinking 1 card to cover everyone and everything meh? or 1 card for every type of payment meh?




again, on paper, every cards out there can cover everything. but in fact, it doesnt work that way la, there are many restrictions (e.g. income level, dsr, etc etc)

i would rather having less cards = less spending = less liability = better cashflow/lowest debt = more meaningful & quality life!

Not arguing. Just wondering why would one want to keep a card that is no longer competitive?

Reasons

Yes, I still miss the days I don't have any credit card.
No headache, just pay with cash.