Well, as said, using % will be more accurate.

This post has been edited by supersound: Jan 23 2016, 10:41 AM

No cash back but TP not sure, so you need to plan properly on petrol filling, but if your car petrol tank has 60l and you are travelling 400-500km, it should able to last for a week. If more than just too bad, then you need another cash back card to cover the "weekday" spending.

If for groceries, I don't see why can't hit rm50 X10 every month. Buying Milo 2KG + 200G softpack already rm31-32, buy 2 cartons already half done.
Now my house still got 6 cartons which bought at rm31(sure with cash back cards) and I'm selling it for rm31.50 each to coffee shops. This month will be stock piling sugar.
When your application fails, you need to know under what reason, is your DSR too high? My income only rm4000 now but credit card spending rm2819.

Well, I don't drink either, as I'm selling them off.
Out of rm2819 of spending, my true own spending not even reaches rm1000
Is all because OCBC reduce the cash back, MBB dual card revise the cash back, so I ended up with more cards as to cover other categories.

Coffee shops like those soft pack Milo very much.
Other groceries also can do, but so far I see Milo can move faster.

That if they are doing offer.

Normal price for 2KG softpack is rm34-37, with 200G free maybe rm38, Aeon even publishes the price at rm41
So when you get it during offer price at rm31-32, with 5% cash back, that's rm30.4. Trade it at rm31.5 you are making money already. Last month Tesco are offering rm31 for 2.2KG which I whack close to 7 cartons. Some I'm selling for rm31.4 and to some is rm31.6.
By maximizing your cash back cards, you can make some money, good enough to cover the fuel cost to supermarkets.

I always use 5% as benchmark, so nothing to worry about. Once MBB's VS in my wallet, I can spend more.

If you are using Platinum dual cards, suggest to apply for Ikhwan gold.

To be more precise, you will only get cash back if the terminal you swipe the card is registered under groceries.

You won't know, as Aeon sometimes do swap around the terminals.
For me, if know this will gonna to be happen, I don't buy from there, since their price never been cheap. Even it is cheap, stuffs will be gone with the wind fast.
Not to mention poor service comparing to other supermarkets.

Well, the time this out is too late already if it never mention supermarket:x

Tesco, Giant, Rapid(going to close down) or 99Speedmart.
Always have stock even during promotional period unlike Aeon, like Top selling for rm9.90, they only put up 30-40 bags

Not in my list anymore since it closed down in Seremban
That's the place I stock my Top detergent.

I know, but what to do. With lower price and combining with the cash back cards, we can save(for me is make money) more.

What's your income like? Or to be more specific, DSR high or low?

They only consider your basic, so it is much lower. Must know lower income only entitled for 1 card.

Basically M2C are 2 different cards, so the quota reached
My bad on rm36k and below entitled for 1 card only.
I don't work for Maybank, also, it is known that banks most of the time only consider basic, especially during current 1MDB condition.

Ikhwan basically are from islamic banking, so is different entity.
With HP loan he has, bank have all the rights to reject any other credit card applications.
Few years back you are right, fixed allowance will be considered, but not now.

Well, if bank really consider fixed allowance, getting a card are much more easier. But the fact(credit card and loan approval) state you otherwise