thank you for reply.
I did some basic calculation.
- Groceries $500 (PBB VS 6% = 30.00)
- Petrol $250 (AEON BIG 5% = 12.50)
- Maxis (mobile) $250 (PBB VS 6% = 15.00)
- Dining $100 (PBB VS 6% = 6.00)
- Insurance $600 (NIL)
- TNB $100 (Yolo 6% = 6.00)
- Syabas $50 (Yolo 6% = 3.00)
- Astro $100 (Yolo 6% = 6.00)
- TM Streamyx $60 (Yolo 6% = 3.60)
Total cash rebate = 82.10
If I use WISE, I can get RM100. After minus WISE annual fee 13.33/month, I can get net 86.67.
WISE give me higher cash rebate amount and easier for me to pay the CC debt to only 1 bank. Plus I can pump petrol whenever my car run out of fuel.
Any other combination can give me better cash rebate? I don't mind hard work a bit in order to get better rebate.
p/s: I am not sure YOLO treat utiltities bill as online bill payment and can get 6%? I just assume I can get the 6% and calculate the possible amount. Please correct me if got any YOLO expert here.
check post #1 for YOLO features. note the cashback tier and min spend. List of eligible transactions are in post #1.