Hmm but the SCB cap for CB a bit confusing hmm

Hmmm this is good for all transaction without cap hmm is there other nice no cap or high spending CB card? Or cards that good for big purchase in general.

OCBC titanium look interesting but online purchase only.

HLB Fortune - 1% Cash Back but need minimum spending RM2k to qualify CB this is a Good card if you could spend at least RM2000 but capped at RM5K (RM50 cash back), that one needs to spend at least RM 2k per month and it will not be accumulated. If cannot achieve then CB burn.

https://www.hlb.com.my/en/personal-banking/...rtune-card.html

hmmm interesting... thanks for the tips

hi, i'm thinking of having a credit card for easy of payment on a couple of occasions/needs. it's also for my ccris/ctos good record.

1. Annual Income: RM26.1K

2. Free Lifetime Annual Fee: A Must have.

3. Card required for: petrol, monthly grocery shopping, occasional online purchase (lazada/shopee/etc)/eat out/hotel/flight bookings.

4. Existing credit cards (if any): Nil.

5. Interested in CC from: Nil.

6. Others: Don't want troublesome card. Want hassle free one. I would spent based on the money i have.

This post has been edited by Invince_Z: Mar 20 2018, 09:56 AM

CIMB Cash Rebate https://www.cimbbank.com.my/en/personal/pro...mastercard.html

Yeah... JustOne card have specific categories and tier spending for higher cashbacks.
SCB Cashback card is much simpler though, at least for me. To maximize cashback for large amounts, you might need combination of multiple cards.

This post has been edited by putra23: Mar 20 2018, 10:57 AM

hmmm sounds troublesome... so the best I could do is with 1% with the Amex cash back credit card hmmm.... what about points? any good card with points? HSBC VS? but only Citibank, Amex and Alliance bank got evergreen points

for big amount expenditure, HLB Fortune will be the champ, since there will be an annual bonus up to RM1,800 in addition to the 1% you get monthly.

is this the only one available for me or the best available for me?

UOB YOLO also OK but you need to spend minimum 8x with RM 10 and above every month. Cash back is not guaranteed as it is FCFS but I guess if you spend on first few days of the month should be OK.
The rest of the cards require higher salary requirement.

Most credit card requires 30k per annum, such as the Maybank 2 card is quite good.
But this CIMB cash back is not bad also, there are still some other 24k per annum card but I think this is the best I know.

Agreed. I recently request for this card for big ticket items as well.

Since it's retail expenses, easy to hit target and get CB + yearly bonus.

thanks for your feedbacks. seems i should settle with cimb. reading and comparing the cards benefits placed cimb cc above other cc.

i wouldn't be applying now since i'm in procress of acquiring housing loan. after s&p signed i'll apply. would be good to use it to buy certain basic house equipments for my house later.

This post has been edited by Invince_Z: Mar 21 2018, 08:43 AM

Usually when they approved your housing loan they’ll give you a credit card as well.

really are? any way i can reject the cc since i have no use for cc atm and i don't want cluttered my purse and spending with unwanted cc.

I think they will ask first, mine once approved they asked and just simple form filling and done 2 cc suddenly appear LOL

i see. then i hope the approved loan is from cimb. easier for me to decide. can add monthly payment in standing instruction.

1. Annual Income: RM80K-RM100K

2. Free Lifetime Annual Fee: Waivable

3. Card required for: Insurance Premium, Daily Usage (Petrol, Groceries, Dining, Movie), Online Shopping, Overseas Usage

4. Existing credit cards (if any): OCBC GE, PBB2 Quantum, SCB (CB Gold and JustOne Plat), HSBC Amanah, Aeon (Gold and Big Gold), CIMB CR, AmBank Visa Plat, Maybank Ikhwan Plat Mastercard,

5. Interested in CC from: No particular preference

6. Others: I am looking for ways to consolidate my credit card while maximizing the cards benefits (either CB or points). My card lists have gotten a little out of hand and i find it difficult to manage so many cards. But i'm facing dilemma on which to cancel and which to keep in order to maximize the benefits...

How About Maybank FC Barcelona Visa Signature, 1 Card for ALL...
* Lifetime Fee Waiver
* 2% Cash back for ALL purchases ALL year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

THEN, can Cut HSBC, CIMB, OCBC, you can Keep Ambank or AEON (either 1 card) for PPL Access.

Btw, have You FULLY utilized your SCB jz 1 on Auto billing (Utilities, telco, Insurance), Petrol, Online & SCB Cash Back Gold (misc spend) to earn Max. CB...!?

This post has been edited by fly126: Mar 22 2018, 10:14 AM

Can also apply PBB VS.