Maybank Ikhwan Master Card and Petronas Visa for petrol.
CIMB Cash Rebate for online.
HLB MACH for dining and movie.

Any cards that fit or almost fit into my category? 2/3 is also acceptable.

Thank you.

Well... CIMB CR has 2% of petrol cash back.
I rather have multiple cards to maximize my cash back rather than sacrificing on certain categories.
For Maybank Ikhwan if you use other brands than Petronas, then you can choose MasterCard for 5% cash back for petrol and groceries on Fridays and Saturdays.
If you use Petronas most of the time then choose Petronas Visa for 8% cash back on expenses in Petronas on Saturdays and Sundays.
If you find two Ikhwan cards are heavy, then choose only one.

What's the current best Mobile CB card ? I have been using HLB WISE but cancel it since Rm 2000 is kinda hard for me to achieve. I Use Citibank to Get Maxis 2% but for Celcom and Digi i am not sure which card offers CB. Anyone can advise ?

UOB YOLO and if you have at least 100k per annum, then PBB VS is a better choice as AF is waived with just 12 swipes.
UOB YOLO has AF and it's a new card, so not sure if UOB will waive it in second year. First year is free.

But YOLO need to achieve RM 500 in order to get CB. i prefer card with any condition.. Even 2% Cash Rebate will do

Then auto billing with CIMB CR for 2% and Celcom gives additional 5% discount if perform auto-billing. You didn't mention your expenses per month, from the way you described as if huge mobile expenses.

Anyway, one YOLO card seems to be insufficient for me. I wish I have more than one.
Earlier I thought I cannot achieve 800 per month for 6% cash back but it looks like it's easier than I thought. With UniFi bills and I'm an avid online shopper.

kindly follow template from post #2. it helps other ppl easier to recommend accordingly, e.g. annual income range, avg monthly spend, which category/type of spending (if any besides Mobile), what existing card you having now, what cards you're interested (i.e. what homework/research you've done but unsure), etc.

Hi guys, haven't been following on latest promo etc. Before this already have a good set of CC for my expenses but recently the perks of some card drop especially WISE so need some advice and what card to replace. Oh btw I'm only looking for cash back cards.

1. Annual Income: ~85k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (Shell), TNB payment and dining ... all 3 spending roughly RM400 for each category .. Prefer more than 3% la if not might as well i use my SCB and Alliance ?

4. Existing credit cards (if any):
*HLB WISE - For Petrol and TNB and DIGI ( I need replace this card - any card with 5% for petrol anytime anyday? )
*PBB Visa - For Dining ( I think I can move my TNB bills here coz 6% include for online payments right? Then I need another card for dining)
*SCB Master - For misc
*Alliance Unique- For misc
*HLB Essentials - For misc (yeah i have alot of misc like hotel and stuff, i travel for work quite abit)
*UOB one & Platinum - Is this any good now ? Havent touch this card for more than 1 year, UOB don't let me cancel =.= Every year say waive yearly fees.

5. Interested in CC from: Doesn't matter

6. Others: Nothing.

This post has been edited by GymBoi: Feb 2 2017, 11:08 PM

Hi, My annual income~50K,

need a credit card for once in awhile Online USD and POUND transaction. or any online shopping that support only credit card payment

annual fee: free or very low

how does the credit card interest work ? based on daily ?

This post has been edited by Pain4UrsinZ: Feb 2 2017, 11:49 PM

You already with PBB visa signature. So add-on with yolo. Get rid of that uob plat, get uob yolo?

Else HLB mach for dining, 5%... depends how you balance

UOB yolo or cimb. if you think you can hit the minimum spend then uob, if not cimb cash rebate

1. Annual Income: ~60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Decent rate when buying from Amazon, Ebay and mostly on online transaction. Also required for airport lounge

4. Existing credit cards (if any): UOB One card and UOB PrivMiles (Will cancel the UOB PrivMiles as the benefit of PPL getting worse)

5. Interested in CC from: CIMB Enrich Platinum, Citibank PremierMiles


I'm looking forward on getting points to convert to miles point as my UOB One card covers mostly on the daily usage.


This post has been edited by KahLooN: Feb 3 2017, 04:57 PM

60k can get premier miles? for KLIA you have premier miles... for klia2, kalau mau free, aeon gold or ambank?

CIMB Cash Rebate or UOB yolo for your online purchases.

The annual income might go higher, I just put an indicator for easy reference.

Oo looks good ... so I think my bills can go to YOLO for 6% and dining i use PBV 6% also ... Thanks !! Anything for petrol though ? Looking for something above 3% and for anyday (not limit just to weekends)

Mbb vs or citibank cashback. Whichever ngam you.

Mbb which card ah ? I looked at citibank, the cashback card cap rm20 for petrol only the shell card look amazing 8% but got min spend haha ... btw why cannot find UBO YOLO at ringgitplus? How to apply UOB YOLO ? Bank ?

MBB Visa Signature - 5% Cashback for all petrol & grocery (domestic only) for all days capped at RM88 per month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Ask them Convert/ Add on Your UOB One Card to UOB Yolo
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

Citibank-Shell Card


This post has been edited by fly126: Feb 3 2017, 09:40 PM

You are existing uob card holder. Just call in la. No need docs.

Like fly126 mentioned maybank visa signature. My previous maybe not clear enough. VS.

Ahhh wish i saw your reply 1st before calling UOB. I already called UOB just now to convert my card, they say cannot =.= On phone can only cancel, then need go bank apply YOLO ... wtf =.= If i knew this earlier I could have insisted ... maybe newbie on the phone zzz ... anyway .. too late ..

Wow that MBB card seems perfect for me .... that annual fee is kinda hardcore though since Im only using it for Petrol, but Maybank is quite linient in waiving the fees no? Can use the usual tactic "u no waive i cut the credit card lo?"

As mentioned above I need to apply myself .... what's worst, I need to reactivate my online banking also ... joker the guy on the phone zz ....