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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

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fly126
post Jan 20 2017, 02:38 PM

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QUOTE(boyzai07 @ Jan 20 2017, 12:41 PM)
1. Annual Income: RM48K

2. Free Lifetime Annual Fee: With condition (eg.12 swipes)

3. Card required for: Cash rebate (petrol, telco bill, groceries)

4. Existing credit cards : Maybank2cards

5. Interested in CC from: Citibank, UOB, Maybank or any other banks.
Thanks.
*
i) CIMB Cash Rebate Mastercard
* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES)
* 2% CB for Petrol, Groceries
* 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month) NO CB on Flight Tickets Booking
* 0.2% CB on Other Retail Spend
With Total Maximum CB capped at RM50/month
https://forum.lowyat.net/topic/3988506
OR
ii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat.
ejan_
post Jan 20 2017, 04:19 PM

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if we link CC with paypal, is it consider online payment? if yes, which card offer best rebate?
eagle008
post Jan 20 2017, 05:19 PM

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Joined: May 2012
1. Annual Income: RM80k to RM90k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Utilities - Insurance RM1K, Phone RM100, Unifi RM190,
Petrol -RM700

4. Existing credit cards (if any): Citi cash back platinium, MBB Duel Card

5. Interested in CC from: no idea.

6. Others: -
fly126
post Jan 20 2017, 07:23 PM

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QUOTE(eagle008 @ Jan 20 2017, 05:19 PM)
1. Annual Income: RM80k to RM90k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Utilities - Insurance RM1K, Phone RM100, Unifi RM190,
Petrol -RM700

4. Existing credit cards (if any): Citi cash back platinium, MBB Duel Card

5. Interested in CC from: no idea.

6. Others: -
*
Standard Chartered JustOne Platinum MasterCard Credit Card

user posted image

» Click to show Spoiler - click again to hide... «


https://forum.lowyat.net/topic/4095341
fly126
post Jan 20 2017, 07:44 PM

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QUOTE(ejan_ @ Jan 20 2017, 04:19 PM)
if we link CC with paypal, is it consider online payment? if yes, which card offer best rebate?
*
YES... nod.gif

I) CIMB Cash Rebate Mastercard (Free for Life)
5% CB for Online Spend Max CB capped at RM30 /month, but NO CB on Flight Tickets Booking
https://forum.lowyat.net/topic/3988506

II) UOB Yolo (Annual Fee: RM95.40)
6% CB for Online Spend, 3% CB on Dining
However, Total Monthly Spend:
RM0 - RM499 = 0 CB
RM500 - RM799 = Max. Cashback Capped at RM 20
RM800 & Above = Max. Cashback Capped at RM 50
https://forum.lowyat.net/topic/4078891
IF
Your Income is RM100k p.a, you may try to apply PBB Visa Signature. It give 6% CB on Groceries, Dining, Online Spend (Max. CB $50) + It's a Lifetime Fee Waiver Card with 12x Swipes p.a.
https://forum.lowyat.net/topic/3991972

This post has been edited by fly126: Jan 20 2017, 07:53 PM
SUSsokiahlee
post Jan 21 2017, 10:44 AM

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From: KL/PJ
Travel card. Citibank won.
Cash rebate. Uob & citibank

All less than 10% cash back. So sad, even petrol has capping. Bank wants to slaughter your money.

Now they open 'water tap' to lure more customers in.
fruitie
post Jan 21 2017, 11:42 AM

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From: KUL
QUOTE(sokiahlee @ Jan 21 2017, 10:44 AM)
Travel card. Citibank won.
Cash rebate. Uob & citibank

All less than 10% cash back. So sad, even petrol has capping. Bank wants to slaughter your money.

Now they open 'water tap' to lure more customers in.
*
Er.. Which travel card and why Citibank?
Which cash rebate card for UOB and Citibank?
myrancid
post Jan 21 2017, 01:24 PM

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QUOTE(sokiahlee @ Jan 21 2017, 10:44 AM)
Travel card. Citibank won.
Cash rebate. Uob & citibank

All less than 10% cash back. So sad, even petrol has capping. Bank wants to slaughter your money.

Now they open 'water tap' to lure more customers in.
*
Why Citibank? Did I miss something ?
fruitie
post Jan 21 2017, 01:26 PM

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From: KUL
QUOTE(myrancid @ Jan 21 2017, 01:24 PM)
Why Citibank? Did I miss something ?
*
My first time seeing this as well. laugh.gif
hurtedheart
post Jan 22 2017, 08:58 PM

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QUOTE(fly126 @ Jan 20 2017, 07:44 PM)
YES... nod.gif

I) CIMB Cash Rebate Mastercard (Free for Life)
5% CB for Online Spend Max CB capped at RM30 /month, but NO CB on Flight Tickets Booking
https://forum.lowyat.net/topic/3988506

II) UOB Yolo (Annual Fee: RM95.40)
6% CB for Online Spend, 3% CB on Dining
However, Total Monthly Spend:
RM0 - RM499 = 0 CB
RM500 - RM799 = Max. Cashback Capped at RM 20
RM800 & Above = Max. Cashback Capped at RM 50
https://forum.lowyat.net/topic/4078891
IF
Your Income is RM100k p.a, you may try to apply PBB Visa Signature. It give 6% CB on Groceries, Dining, Online Spend (Max. CB $50) + It's a Lifetime Fee Waiver Card with 12x Swipes p.a.
https://forum.lowyat.net/topic/3991972
*
Does the 12X swipe include balance transfer?

chrisderick88
post Jan 22 2017, 09:15 PM

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Joined: Nov 2013
2. Free Lifetime Annual Fee: yes (or call up cancel)

3. Card required for: Cash rebate for ONLINE

4. Existing credit cards : CIMB cash back platinum

5. Interested in CC from: UOB YOLO card

Basically I need anohter card for online spending. CIMB cash back platinum offer 5% rebate capped at RM600, which is not enough for me. I do a lot of online retail spending (small amt but stack up a lot). YOLO sounds ok - about 6% rebate with T&C. Is there any other card I've missed that offer online spending rebate?

Thanks guys!
soyabean123
post Jan 22 2017, 09:17 PM

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Joined: Dec 2013
1. Annual Income: RM43k above

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash Back for dining, applicable for all outlets

4. Existing credit cards (if any): At the moment 'No'. Planning to apply Ambank Carz credit card soon for petrol usage only

5. Interested in CC from: Any

6. Others: Seeking for a CC with highest cashback meant for dining and no annual free
fruitie
post Jan 22 2017, 09:31 PM

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Joined: Sep 2005
From: KUL
QUOTE(soyabean123 @ Jan 22 2017, 09:17 PM)
1. Annual Income: RM43k above

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash Back for dining, applicable for all outlets

4. Existing credit cards (if any): At the moment 'No'. Planning to apply Ambank Carz credit card soon for petrol usage only

5. Interested in CC from: Any

6. Others: Seeking for a CC with highest cashback meant for dining and no annual free
*
HLB MACH for dining. Free AF with just 12 swipes per year, first year is free AF.
On another note, why AmBank Carz for petrol? You have to leave outstanding balance just to get that little cash back. Not worth for it at all. Try applying Maybank Ikhwan MasterCard and Visa Petronas instead, free AF. You just need to pump on Fridays-Sundays depending on which card. Head over to Ikhwan thread.
soyabean123
post Jan 22 2017, 10:18 PM

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QUOTE(fruitie @ Jan 22 2017, 09:31 PM)
HLB MACH for dining. Free AF with just 12 swipes per year, first year is free AF.
On another note, why AmBank Carz for petrol? You have to leave outstanding balance just to get that little cash back. Not worth for it at all. Try applying Maybank Ikhwan MasterCard and Visa Petronas instead, free AF. You just need to pump on Fridays-Sundays depending on which card. Head over to Ikhwan thread.
*
Thanks for the recommendation.
I pump petrol mostly on weekdays compared to weekends. And I travel a lot too, average 80-100km per day. Usually I pump petronas/petron/bhp, while others very rare. I choose ambank carz because of the high % cash back. Monthly spending about rm300+- for petrol solely. Please share with me if you have better suggestion of CC that can benefit me more than ambank carz can provide smile.gif
fruitie
post Jan 22 2017, 10:25 PM

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From: KUL
QUOTE(soyabean123 @ Jan 22 2017, 10:18 PM)
Thanks for the recommendation.
I pump petrol mostly on weekdays compared to weekends. And I travel a lot too, average 80-100km per day. Usually I pump petronas/petron/bhp, while others very rare. I choose ambank carz because of the high % cash back. Monthly spending about rm300+- for petrol solely. Please share with me if you have better suggestion of CC that can benefit me more than ambank carz can provide smile.gif
*
AmBank Carz only gives higher cash back if you don't pay full every month, you will be penalized with interest though.
Ikhwan cards are good for you, at least you can pump during weekends and last you few days during weekdays. Then, if you really want, UOB One Plat with AF though, first year is free. Citibank Cash Back also with AF but first year is free.
Or 2% CIMB Cash Rebate plat, no AF.
fly126
post Jan 23 2017, 01:29 AM

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Joined: Jun 2012
QUOTE(hurtedheart @ Jan 22 2017, 08:58 PM)
Does the 12X swipe include balance transfer?
*
I don't think so... sweat.gif
https://forum.lowyat.net/index.php?showtopi...post&p=83463007
fly126
post Jan 23 2017, 01:38 AM

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Joined: Jun 2012
QUOTE(chrisderick88 @ Jan 22 2017, 09:15 PM)
2. Free Lifetime Annual Fee: yes (or call up cancel)

3. Card required for: Cash rebate for ONLINE

4. Existing credit cards : CIMB cash back platinum

5. Interested in CC from: UOB YOLO card

Basically I need anohter card for online spending. CIMB cash back platinum offer 5% rebate capped at RM600, which is not enough for me. I do a lot of online retail spending (small amt but stack up a lot). YOLO sounds ok - about 6% rebate with T&C. Is there any other card I've missed that offer online spending rebate?

Thanks guys!
*
IF...
Your Income is RM100k p.a, you may try to apply PBB Visa Signature. It give 6% CB on Groceries, Dining, Online Spend (Max. CB $50) + It's a Lifetime Fee Waiver Card with 12x Swipes p.a.
https://forum.lowyat.net/topic/3991972
fly126
post Jan 23 2017, 02:03 AM

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Senior Member
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Joined: Jun 2012
QUOTE(sokiahlee @ Jan 21 2017, 10:44 AM)
Travel card. Citibank won.
Cash rebate. Uob & citibank

All less than 10% cash back. So sad, even petrol has capping. Bank wants to slaughter your money.

Now they open 'water tap' to lure more customers in.
*
Citibank or UOB Cards got Annual Fees + GST punya... sweat.gif

I rather get:

AmBank VISA Infinite Card /AmBank World MasterCard be my Travel CC,
• Free-For-Life, NO conditions attached
• Unlimited lounge access without condition
• Complimentary Hilton Premium Club Membership Card
(Note: Membership is automatically renewed annually with just a min retail usage of RM30,000)
•Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles)
http://www.ambank.com.my/eng/cards/visainfinite

As for Cash Back CC:
PBB Visa Signature -6% CB on Groceries, Dining, Online Spend It's a Lifetime Fee Waiver Card with 12x Swipes p.a. or MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat or CIMB CR Mastercard becos Its Free for Life.

Free is the BEST, Anything Free is Good. tongue.gif

This post has been edited by fly126: Jan 23 2017, 02:39 AM
imnotabot
post Jan 23 2017, 07:34 AM

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QUOTE(soyabean123 @ Jan 22 2017, 10:18 PM)
Thanks for the recommendation.
I pump petrol mostly on weekdays compared to weekends. And I travel a lot too, average 80-100km per day. Usually I pump petronas/petron/bhp, while others very rare. I choose ambank carz because of the high % cash back. Monthly spending about rm300+- for petrol solely. Please share with me if you have better suggestion of CC that can benefit me more than ambank carz can provide smile.gif
*
How about Maybank Ikhwan + AEON BiG Classic/Gold + CIMB CR? The first gives you 5% petrol cashback on Friday and Saturday. The second gives you 5% on Sunday only. The third gives you 2% cashback on any day. If you pump full tank on Sunday night and can survive until Friday, then you can easily get 5% for the entire month by timing your fuel ups. But if you fail to do so, at least you'll get 2% cashback from CIMB CR.

Maybank Ikhwan and CIMB CR has no annual fee. AEON BiG Classic/Gold does have an annual fee, but it can be automatically waivered with 12 swipes in a year.

This post has been edited by imnotabot: Jan 23 2017, 07:50 AM
xbotzz
post Jan 23 2017, 07:51 AM

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Hi Team,

Sorry for the lazy way to drop the question here.

What card gives the best % rebate for these below since the Posonline case is being dragged for sometime;

- All other adhoc payments beside the norm, groceries, petrol, bills
- Direct/Auto Debit facilities such as gym memberships/insurance

I got a feeling we might be looking at 2-3 separate cards to get some rebates from the above.

Thanks
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