QUOTE(JamesBotak @ Sep 29 2016, 04:58 PM)
Since this is a CIMB thread, is it true then the card that I applied for is free for life?
This is the link to the card I have:
http://www.cimbbank.com.my/en/personal/pro...mastercard.htmlI just want to be sure that I won't be paying anything extra as in any fees besides the interest and everything written in the TnC.
The main reason actually is, I plan to use it to fill up for petrol since I've been using Petronas 99% of the time.
But I haven't started to use it because I feel like it's kinda hard to track how much of Petrol I have filled in for the current month.
This is my current situation: Each month I withdraw cash RM300 for Petrol and most of the time I use less than RM300 but since I can see the balance left, I don't feel worried. I know how much left and I can budget till the end of the month. Somehow after applying for this CC, I'm worried I might exceed the monthly Petrol allocation as I'm not sure how much I've used.
Do you know how I can track my budget if I use CC ? If I fill up Petrol, how long does it take to appear in CIMB Clicks?
Do I have to wait for the monthly statement to check how much I have used?
Sorry for the silly questions. I'm very new to this. I just don't want to get myself in debt.

1. Item 4 of the FAQ says no annual fee. Which means no annual fee. Don't worry.
2. Regarding budget. Why not you create a simple Excel sheet (see attached sample which took me 1 minute). Then can easily track

.
3. CIMB Clicks - Typically 1-3 days max to show up.
4. If you're REALLY super worried about exceeding, perhaps you check whether buying a Petronas Gift Card from Petronas qualifies for the cashback. Or you can self-experiment. For example, go to Petronas and buy a gift card for the lowest denomination (don't know how much this is) and pay using your Petronas CC. Once you've bought the card, call CIMB Customer Service and ask them to check your latest transaction and confirm if this will qualify for the cashback.
IF the Gift Card method works and you're really scared to use your CC, then you can just Reload RM300 monthly (or whatever amount you wish) into your Gift Card using your CC. Lock your CC up in a drawer, and just use your Gift Card for petrol.
I personally think that using CC is much much more convenient, but I have set out the above alternative for you to consider.
Attached image(s)