Recommendation for Credit Cards V4

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fly126	Aug 21 2017, 06:37 PM Return to original view \| Post #221
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(polarzbearz @ Aug 21 2017, 03:36 PM) Thanks for the recommendations! Will take a look at those. How do you recommend/fare the above options against Master - Ambank WMC ? (Unlimited PPL for 26 airports), Overseas expenses RM1 = 1 air mile point as the 4th card? AmBank VISA Infinite Card /AmBank World MasterCard (Income Requirement: RM120K p.a) • 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia. • All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in. • 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 the people get This Card becos it's FREE for Life with No AF +Unlimited PPL access from Various location with No condition attached... it's more like a Pure Air-miles CC to the cardholder. As we know most the Air-miles Earning + PPL Access Privileges credit card may come with an Annual Fee like more than $600 a year & with limited Choice of PPL Access. Visa Infinite got more Perks of Privileges, Promo compare to WMC but, WMC will get better oversea conversion rate compare to VI so why not get Both cards... https://www.ambank.com.my/ambank/Documents/...stofAirport.pdf This post has been edited by fly126: Aug 21 2017, 06:44 PM
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fly126	Aug 27 2017, 12:07 PM Return to original view \| Post #222
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Nymphetamine666 @ Aug 27 2017, 03:39 AM) Hi. Im a frequent business traveler to Indonesia for my job. Thinking of applying a credit card which has partner with Airasia. Eg. Discount on ticket, more/multiplier on the big point/free access to airport lounge/cheaper or disc when shop at duty free or etc Which bank or vard offers the best when flying with AA? Kindly advice. AirAsia-Citi Platinum Visa Credit Card https://www.citibank.com.my/english/credit-...YCCAAPENCCHMCA3
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fly126	Aug 30 2017, 12:51 AM Return to original view \| Post #223
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(celee @ Aug 30 2017, 12:32 AM) need recommendation for cc. i'll mainly use for petrol (2 times a week) and some movies. So far I see UOB One kinda suitable. any other similar ones? PETROL - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, UOB One, Citi CB Card, MBB Visa Signature. » Click to show Spoiler - click again to hide... « MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. UOB One Card & Citibank Cash-Back Card » Click to show Spoiler - click again to hide... « UOB One Card - Annual Fee: RM72.08 (One Card) RM178.08 (One Platinum Card) * Cash Rebate for petrol (Weekdays 1% / Weekends 5%) & Wed. Special Petrol Rebate: 3% (1/7 - 30/9/2017) - Capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month * Cash Rebate for all spending on Groceries at AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant, ONLY (Weekdays 1% / Weekends 2%) - Capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month * Cash Rebate for major mobile service providers (Maxis, Digi and Celcom) (Weekdays 1% / Weekends 2%) - Capped at RM300 for UOB ONE Platinum card and RM200 for UOB ONE Classic card per month Cash Rebate for Golden Screen Cinemas (“GSC”) ticket counters for purchase of movie tickets (Weekdays 2% / Weekends 8%) http://www1.uob.com.my/personal/cards/cred...b_one_card.html Citibank CB / Platinum CC* Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20 Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70 Cash Back: * 5% X for Petrol - Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back - Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi) [Unlimited Monthly Rebates with t&c, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back] * 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin) - Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back - Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping] * 0.2% X Cash Rebate for Others Spending [No Capping] Note: Cash Back Platinum in BLUE Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month. https://www.citibank.com.my/global_docs/pdf/citicashback.pdf
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fly126	Aug 31 2017, 12:28 AM Return to original view \| Post #224
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(b787 @ Aug 31 2017, 12:01 AM) Any credit card that gives free taxi other than Citibank Premiermiles ? SCB Worldmiles WMC. https://www.sc.com/my/campaign/worldmiles/ This post has been edited by fly126: Aug 31 2017, 12:34 AM
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fly126	Aug 31 2017, 04:10 PM Return to original view \| Post #225
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(MeToo @ Aug 31 2017, 03:12 PM) So last year got the Hong Leong Fortune Card... Cash Back around 6$50 (monthly above $5000 spending) + $1800 (1 time bonus for spending above $108,000 per year) for a total of RM2,100 Cash Back... Wondering if there is any better cash back card* for spending between 50k to 100k for my 2017/2018 period... And moving onto 2019 onwards would be spending 400~500k (house reno...) so any card that can get flat % Cash Back? Cause if 1% from 500k also 5k liao.. better then HLB Fortune... Beside HLB Fortune... Amex Cash Back Gold Credit Card, RHB Business Plat., HLB Essential, Alliance You:nique. Amex Cash Back Gold Credit Card http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards RHB Business Plat. https://www.rhbgroup.com/products-and-servi...ess-credit-card HLB Essential https://www.hlb.com.my/en/personal-banking/...ntial-card.html Alliance You:nique http://www.alliancebank.com.my/younique This post has been edited by fly126: Sep 1 2017, 01:05 AM
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fly126	Aug 31 2017, 05:28 PM Return to original view \| Post #226
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(gReeN sOda @ Aug 31 2017, 05:06 PM) Hi all, Which CC has the best cashback for paying telco bills? Or any method to earn maximum cashback for telco bill payment? Thanks. HLB Wise, PBB Visa Signature or PBB Quantum MC (Online), CIMB CR Plat. Mastercard (via Standing instruction), UOB One, UOB Yolo, Citibank CB (thru Citibank Online) This post has been edited by fly126: Sep 1 2017, 12:47 AM
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fly126	Aug 31 2017, 08:16 PM Return to original view \| Post #227
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(fruitie @ Aug 31 2017, 06:12 PM) Actually UOB YOLO is a good choice for telcos too. Ya, Thanks for the Remainder... However, HLB Wise & UOB Yolo got min Accumulated Spend on to entitled for the CB...
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fly126

Sep 1 2017, 12:44 AM

Return to original view | Post #228

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(MeToo @ Aug 31 2017, 11:41 PM)

Awesome thanks mate.

Looking thru this... Amex Cash Back is not bad for anything above 200k spent.... 108k and below still HLB Fortune better.

RHB Plat nothing special, I rate it below Amex CB Gold.

HLB Essential no good...

Now Alliance.... I'm not sure how to intepret this..

Monthly Spend (RM) Rebate (%)
0 - 1,000    0.50
1,001 - 2,000    1.50
2,001 - 3,000    3.00
> 3,000 0.30

Does this mean first 1k is 0.5%, second 1k is 1.5% and third 1k is 3%? Or if we spend 3k a month its a flat 3%?
Anyway for high spending... its no good as anything above 3k gets a measly 0.3%...

Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending, Lifetime fee Waiver with 12X Swipes p.a & also Good with PTPTN.

http://www.alliancebank.com.my/younique

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

How Alliance You:nique Cash back tier Works: -
RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap).

However, HLB Fortune- need min. spending RM2k to qualify 1% CB, this is a good card if you could spend at least RM 2k but capped at RM 5k (RM 50 cash back).
For this Card needs to spend at least RM 2k per month and the CB it will not be accumulated. If cannot achieve 2K then CB will be burn off.

And, Amex CB Gold got 70 Bucks Annual Fee...

Btw, the HLB Essential earns up to 1% Cash Back on all valid Retail Transactions (except Petrol & Government Trasactions) also a Good Card as a Spare...

i. Cash Back:
* 0.6% Cash Back for all Insurance transactions
For other Retail Transactions,
* Tier 1 – 0.6% Cash Back for first RM5,000 spend
* Tier 2 – 1% Cash Back for subsequent spend

This post has been edited by fly126: Sep 1 2017, 01:41 AM

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fly126	Sep 1 2017, 04:33 PM Return to original view \| Post #229
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Nymphetamine666 @ Sep 1 2017, 03:14 PM) Thanks! What about Mas/Enrich? Which card offers the best? CIMB Enrich Platinum MasterCard http://www.cimbbank.com.my/en/personal/pro...mastercard.html Or Maybank 2 Cards * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back » Click to show Spoiler - click again to hide... « It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period * The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement. * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 /month. * Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay. * NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies. Uses the Treats Point on Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period. You can Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB) or Standard On-Spot Redemption Conversion: 400 TPs = RM1 or 10,000 Treats Points = 1000 Enrich Mile (Effective 1 March 2015). So with RM1 = 5x TP, it works out to RM2 spent = 1 Enrich Mile for the Enrich Miles Conversion http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards Citi Premiermiles Visa Card https://www.citibank.com.my/citi-premiermil...MYPMA1EENCTCALM This post has been edited by fly126: Sep 1 2017, 07:59 PM
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fly126	Sep 2 2017, 01:45 AM Return to original view \| Post #230
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(MeToo @ Sep 1 2017, 10:22 AM) Thanks for the explanation! Seems You:nique is not right for me... The CB is way too low. HLB fortune the advantage is the annual bonus Total annual spend Bonus = RM38,000 RM280 RM68,000 RM880 RM108,000 RM1,800 So if we spend 108k for the year.... The CB is actually 1.66% ontop of the potential 1%/RM50 per month. Next is HLB Essential vs MBB Amex Gold. These 2 depends on monthly spending Vs big 1 time swipe. Cause the HLB loses out of rm20 monthly due to the lower CB for first 5k while Amex gold loses out on Annual Fee. Do you have Maybank 2Cards...? * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards Maybe U can consider also SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. An EZ Fee Waiver with jz a Call to CS https://www.sc.com/my/credit-cards/goldcard/gold-card.html This post has been edited by fly126: Sep 2 2017, 01:48 AM
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fly126

Sep 2 2017, 12:24 PM

Return to original view | Post #231

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(vostro78 @ Sep 2 2017, 11:39 AM)

1. Annual Income:

2. Free Lifetime Annual Fee: a must, if not can call to waive easily or with number of transaction sure waive

3. Card required for: telco auto debit : 200, insurance monthly : 800+, shopping : 300, online spending at lazada / 11 street : 200, petrol : 400. may consider add in TNB/syabas.

4. Existing credit cards (if any): HSBC visa platinium & mastercard platinium

5. Interested in CC from: any that can offer better then HSBC will do

6. Others: looking for a solution that can offer me to collect more point then current HSBC card

PBB Visa Signature or PBB Quantum 2Cards
Online or Pay your Billing via Online to earn CB.

SCB JustOne Platinum MasterCard Credit Card
for Utilities Bill, Insurance via Auto Debit EZ Fee Waiver with jz Call CS request an AF Waiver

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

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fly126	Sep 3 2017, 02:35 PM Return to original view \| Post #232
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(forumania126 @ Sep 3 2017, 12:50 PM) For what I have is Maybank 2 card. Visa and AMEX. With AMEX giving 5% on cash rebate on weekend. Then saw this HSBC Amanah i card with 8% cashbacks on Petrol and Groceries which is better than AMEX. Correct me if I'm wrong. And then found out that I card is Islamic card which have limitations in using the card at Overseas then since I'm a frequent flyer i go for HSBC Visa Platinum which have me higher credit limit too. Then realise I don't have MasterCard and browse around to come across this CIMB Enrich Platinum MasterCard with more benefits for frequent flyer, entries to Golden Lounge and etc. Since I have an Enrich member card I try to apply and got it approve with additional Visa Platinum given as combine limit. That's all I have and to avoid having more credit card, I gotta stop applying. Lol HSBC Amanah Credit Card-i - 2% cash back for spend < RM2000 & 8% Cash Back on Petrol and Groceries only for total monthly spend of RM2,000 and above. 2 or 8 % CB Coverage from, Petrol – Shell, Caltex and Petronas. Groceries – Giant, Tesco, AEON Big and Mydin. AND, They only Credit back the 2 / 8% (Groceries, Petrol) CB to Your account about 2 Months later... So that, U can get 0.2 + ( 2 or 8 %) CB CASH BACK ON PETROL & GROCERIES (pg.4) 8. Only the primary Eligible Cardholder will receive the Cash Back on Petrol and Groceries. This Cash Back will be credited into the primary Eligible Cardholders’ HSBC Amanah Cash Back Card account within 6 weeks after the end of each Participating Month and will be reflected in the following month’s statement. https://sp.hsbc.com.my/microsites/mplat-int...FINAL_27JAN.pdf HSBC Amanah Credit Card-i - As Holder of Islamic CC are Permitted to Carry out HALAL Transaction, Except the Transaction Related with 6 Categories that Don't meet Shariah Requirement, These Categories are Bars, Disco, Night Clubs, Purchase of Beer, Massage Service, Escort & Gambling. If you use this Card at place or Based upon Merchant Category Code (MCC) MCC 5813 - Drinking Places, Bars, Taverns, Cocktail Lounges, Nightclubs and Discotheques- the Transaction will definitely be Rejected, CC Declined... However, It's OK NO Problem to use it at Non-Hahal Chinese Restaurant like Dragon-i, Canton-i... This post has been edited by fly126: Sep 3 2017, 11:27 PM
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fly126	Sep 4 2017, 05:35 PM Return to original view \| Post #233
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(fly126 @ Aug 21 2017, 06:37 PM) AmBank VISA Infinite Card /AmBank World MasterCard (Income Requirement: RM120K p.a) • 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia. • All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in. • 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 Taking This Card becos it's FREE for Life with No AF +Unlimited PPL access from Various location with No condition attached... it's more like a Pure Air-miles CC to the cardholder. As we know most the Air-miles Earning + PPL Access Privileges credit card may come with an Annual Fee like more than $600 a year & with limited Choice of PPL Access. Visa Infinite got more Perks of Privileges, Promo compare to WMC but, WMC will get better oversea conversion rate compare to VI so why not get Both cards... https://www.ambank.com.my/ambank/Documents/...stofAirport.pdf QUOTE(zaphod42 @ Sep 4 2017, 04:56 PM) Hi Everyone , Would like your advice on this. Basically i'm looking for a card that's best suited to rack up Airmiles (Enrich / Airasia) along with Lounge access. Job travels a fair bit around South East Asia and Hong Kong so i'd like a card that's beneficial to me in that regards. Currently using HSBC Signature but with the recent changes to airmiles redemption and benefits i'm quite dissapointed with it now. Ambank VI/WMC reference as above.... This post has been edited by fly126: Sep 4 2017, 09:56 PM
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fly126	Sep 5 2017, 11:54 AM Return to original view \| Post #234
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(ZintanthraX @ Sep 5 2017, 11:40 AM) hi all, would like to ask, i am thinking of sending my car for repainting and would like to check, is there any cc that can convert my payment for the car painting service into easy / flexi payment? Try PBB Quantum 2 Cards 0% for 12 months with minimum purchase of RM1,200
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fly126	Sep 5 2017, 03:26 PM Return to original view \| Post #235
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(fly126 @ Jul 31 2017, 09:08 PM) PBB (Quantum 2 Cards) + Maybank 2 Cards = That's ALL You Need I) PBB Quantum 2Cards Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. You can Pay your bill thru Online to get Cash Back... II) Maybank 2 Cards * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back » Click to show Spoiler - click again to hide... « It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period * The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement. * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 /month. * Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay. * NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies. Uses the Treats Point on Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period. You can Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB) or Standard On-Spot Redemption Conversion: 400 TPs = RM1 or 10,000 Treats Points = 1000 Enrich Mile (Effective 1 March 2015). So with RM1 = 5x TP, it works out to RM2 spent = 1 Enrich Mile for the Enrich Miles Conversion http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards https://forum.lowyat.net/topic/4251865 QUOTE(lemonish @ Sep 5 2017, 01:17 PM) 1. Annual Income: RM40k 2. Free Lifetime Annual Fee: Preferably free. 3. Card required for: Petrol, Entertainment, Dining, Cash Back/Rebate, and/or anything I don't know of. 4. Existing credit cards (if any): Nil. 5. Interested in CC from: Any recommended bank. 6. Others: So apparently I was planning to apply for a credit card mainly for petrol use, apart from usual weekend dining, and entertainments. I had look through some of the credit cards and have these in my list. Do enlighten and Thank you in advance Beside, Reference as Above U may consider also to have MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat, CB capped at RM50/month. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards This post has been edited by fly126: Sep 5 2017, 03:39 PM
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fly126	Sep 7 2017, 12:26 AM Return to original view \| Post #236
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(iamshf @ Sep 7 2017, 12:18 AM) Citibank clear card Buy one get one free every Friday. Both GSC & TGV Ya, either... https://www.citibank.com.my/english/docs/pd...card_movies.pdf
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fly126	Sep 7 2017, 12:53 AM Return to original view \| Post #237
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(shaunkL @ Sep 6 2017, 11:32 PM) Hi all, Currently in market which credit card is having good offer for movie ticket ? Gsc or tgv. HLB Mach, UOB One, PBB 2 Quantum MasterCard (purchase ticket via Online to get CB), Citibank Clear Maybank-TGV Promo: http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions HSBC: http://gsc.com.my/html/promotion_details.a...&PID=74&NID=660 HLB: http://www.gsc.com.my/html/promotion_detai...&PID=74&NID=709 SCB: http://www.gsc.com.my/html/promotion_detai...&PID=74&NID=589
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fly126	Sep 8 2017, 06:14 PM Return to original view \| Post #238
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(legenderycity @ Sep 8 2017, 05:47 PM) Hi need recommendation on which CC can consider if my main usage is for petrol. Prefer with free for life and high cash rebate for petrol PETROL - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, UOB One, Citi CB Card, MBB Visa Signature. » Click to show Spoiler - click again to hide... « MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. :thumbsup: UOB One Card & Citibank Cash-Back Card » Click to show Spoiler - click again to hide... « UOB One Card - Annual Fee: RM72.08 (One Card) RM178.08 (One Platinum Card) * Cash Rebate for petrol (Weekdays 1% / Weekends 5%) & Wed. Special Petrol Rebate: 3% (1/7 - 30/9/2017) - Capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month * Cash Rebate for all spending on Groceries at AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant, ONLY (Weekdays 1% / Weekends 2%) - Capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month * Cash Rebate for major mobile service providers (Maxis, Digi and Celcom) (Weekdays 1% / Weekends 2%) - Capped at RM300 for UOB ONE Platinum card and RM200 for UOB ONE Classic card per month Cash Rebate for Golden Screen Cinemas (“GSC”) ticket counters for purchase of movie tickets (Weekdays 2% / Weekends 8%) http://www1.uob.com.my/personal/cards/cred...b_one_card.html Citibank CB / Platinum CC* Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20 Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70 Cash Back: * 5% X for Petrol - Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back - Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi) [Unlimited Monthly Rebates with t&c, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back] * 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin) - Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back - Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping] * 0.2% X Cash Rebate for Others Spending [No Capping] Note: Cash Back Platinum in BLUE Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month. https://www.citibank.com.my/global_docs/pdf/citicashback.pdf
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fly126	Sep 10 2017, 12:11 AM Return to original view \| Post #239
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(teanu @ Sep 9 2017, 07:45 PM) Any card recommendations for annual income 60k? Current using Maybank Gold 2 cards. Thinking of upgrading but not sure which card to choose from. Main priorities will be no annual fee, reward points and rebates on grocery/online shopping. Not really need petrol as i dont drive much. How are the treat point system for other banks? Currently only have experience with Maybank's. Maybank 2 Cards ....You already got It * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% CB Jz Get PBB Quantum 2Cards (Free For Life) Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. If Compare to CIMB Cash Rebate Mastercard, Quantum MC is Lenient for Online as You also can Pay most of your billing thru Online to earn Cash Back... These Combo (M2C + PBB 2Q) can Cover Most of Your Daily Expenses liao, That's ALL You Need :thumbsup: Most of the Bank Credit Card Rewards point will have a 3 years expiration period: same like Maybank TP, Currently Only Citibank, Alliance Bank CC Timeless Bonus Points(TBP), RHB (Plat. CC & above) Rewards Point & Amex Card Membership Rewards point (MR) are Evergreen No expired. This post has been edited by fly126: Sep 10 2017, 08:47 AM
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fly126	Sep 10 2017, 12:44 PM Return to original view \| Post #240
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(-Aktan- @ Sep 10 2017, 12:08 PM) About to pay 6.5K to a local college as school fees. What I have -PBB Platinum -SCB Gold Cash Back -UOB One -Citi Clear Which one can bring me the most cashback/points? Dont wanna waste this transaction.. But I only know UOB One frequent use SCB CB Gold.
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