Why do you need this card anymore? It is worthless junk now. Except if you eat outside every weekends.

1.25% compare to 3%, 5% and 10% CB cards?

This post has been edited by Ramjade: Sep 15 2015, 09:44 PM

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

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

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

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

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

Reasons

Well seeing that I don't own one yet, I would actually prefer discipline with multiple low limit cards for different needs = decrease liability (low CL + discipline) = maximum cashback from bank = more savings = more meaningful & quality life!

Ya I know one man's meat is another man's poison.
Cause :
1. Having so many cards make purse/wallet bulky. Cannot add new cards with more benefits.
2. Let maybank amex userbase drop. So maybe they will come out with something to increase target. If nobody cancel, target maintain, maybank won't introduce new CB cards. Banks are always chasing targets. Like I always say, always maximise the bank. Why should one let the bank maximise you? Already most people are paying loans to the bank. Why want to let them "bully" you by having miserable 1.25% CB?

I have read that and I find it nonsense. Recycling old post into a new post. No new info if one have been following his blog. Some old things. M2C for dining + MIC for petrol and groceries. Nothing on utilities and other stuff.

Well thanks to Maybank removing CB, I found the cards needed for my future use.

This post has been edited by Ramjade: Sep 15 2015, 11:52 PM

I know it won't cover everything that's why I am always on the lookout for cards to cover the uncovered stuff.

Thanks for the advise. Don't worry I won't. I always set a target for my monthly spending. I will NOT spend more than that target. So CB to me is just bonus. (You have no idea how frugal I can be). Just pay online transfer money to the CC no only right?

Well if no new cards are introduce and no changes are made, here is a rundown of cards I will use
HLB Wise + Maybank Ikhwan + UOB VOX/Ambank True CC. I don't dine outside, I don't buy those expensive clothes, shoes, bag or anything fancy (again I am an extremely frugal guy). So the 3 cards will be more than enough for me.

Actually, I already PM him, but no reply.

Er, is for online purchase. AmBank True Card 3%CB, no overseas charge unlike CIMB CB CC. Free for life. UOB Vox 5% but do not know how much the bank charge for forex exchange. Then need to swipe every month. I don't shop every month.
Cannot afford MVI or M2AMEXP So that is the next best thing.

This post has been edited by Ramjade: Sep 16 2015, 12:21 AM

HLB Wise, Maybank ikhwan, Aeon watami.

M2C still got cashback but only for dining on weekends. There is also effective CB of 1.25% (exchanging TP for vouchers) but you are better off with the card I mentioned. So if you don't eat outside a lot, better cut the card. Free up some space. Why want to keep a near useless card?

If you are from KL, use HLB wise, select mobile (already selected) + groceries + another one up to you. You can pay TM at Sam grocer (there are other Sam grocer in malaysia), top up TnG there as wel.. It is counted as groceries and will earn you 10% CB. But to activate the CB, need to swipe 10xRM50. Refer to HLB thread for more info. Ikhwan for backup in case HLB wise CB limit is reached. You can use ikhwan to get 5% CB on petrol and groceries on fri and sat. Aeon watami 3% but must spend about RM1000/month for 3 months. Refer to their respective threads for more info.

Average is about min rm1k

1 quarter = 3 months. Spend of Rm3000 in 3 months = Rm1000/month

This post has been edited by Ramjade: Sep 17 2015, 08:23 PM

I did la

Don't worry. You can use HLB Wise to buy voucher 10x RM50 voucher to get RM50 CB. Maximum CB is RM100 (spend RM1000). Refer HLB wise thread for more info.

He is saying ikhwan only limited to petrol and groceries. Guess he want a card able to give more.

Well look at it this way, who ask you to spend more than the voucher? By buying say 10 x RM50 vouchers, you still have room for spending another RM500 (max cashback on 3 categories you selected is rm100 = Rm1000 of spending)

Once you swipe 10 x RM50, anything after that will be given cashback provided is inside the 3 category. To maximise your CB, swipe the 10 x RM50 only for the 3 items you selected.

So say your groceries bill is RM90, pay RM50 using that voucher, pay the balance RM40 with your credit card. (you still have still get CB on that RM40. There are so many ways to earn CB with HLB wise. Petrol, paying TNB and water bills,(you can swipe rm50 at petrol station, split your TNB and water bill into RM50 and pay via uobpayonline. Of course you can only pick 2 category as mobile is already selected by default.

For more info, refer to Hlb wise thread.

There's also PB Visa Signature if your salary is >rm100k/year 6% CB.

This post has been edited by Ramjade: Sep 18 2015, 07:54 AM

That's ks. Didn't know can do that. Will keep in mind for future post.