HLB Fortune- 1% Cash Back but need minimum spending RM2k to qualify CB. 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.

HLB Essential
• 0.6% unlimited cash back on insurance transactions Or Other retail transactions, NO Cash Back for Petrol transaction
• 0.6% cash back on RM5,000 spend (tier 1)
• 1% unlimited cash back on subsequent spend (tier 2)

RHB Plat. Business Credit Card
- Unlimited 0.5% cash back on local spend*
- Unlimited 1% cash back on overseas spend*
*Excluding petrol, cash advance, government and charity transaction

American Express Cash Back Gold Credit Card (with AF)
Unlimited Cash Back. No minimum spend. No rebate cap.
- 1% Cash Back on local spend.
- 1.5% Cash Back on overseas spend.

VI) MBB, HLB, PBB, Ambank, HSBC, RHB, UOB, maybe Citibank also....

This post has been edited by fly126: Aug 11 2018, 12:24 AM

CIMB Cash Rebate Plat. MC


AEON Gold or Aeon Big- 3X PPL Access p.a

Maybank 2Cards


PBB Quantum Mastercard - 5% Cash Back on Online or Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. You can Pay your (UTILITIES) billing thru Online to earn Cash Back.

Is Maybank card center in Klang Valley open on the weekend? Can the process be completed on the same day if it was done at the card center?

Thank you in advance.

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Monthly insurance payment, UK/US annual subscription fees for professional body, online purchases (amazon/ mph/ aliexpress)

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

5. Interested in CC from: Nil

6. Others: I don't swipe a lot. Just looking forward to build my credit score and get some cashback benefits.

This post has been edited by Scrubmaster: Aug 12 2018, 06:09 PM

CIMB Cash Rebate Plat. MC

Hi! I did some research for this few.

For MBB ikhwan MC [5% rebate on petrol and groceries on Friday and Saturday, capped at maximum of RM50.00 per customer per month (Principal and Supplementary Cardmember)],

quite favourable but the CB for MBB Petronas Ikhwan MC [ 8% Cash Back on weekends (Saturday and Sunday) and 1% Cash Back on weekdays (Monday to Friday) for every PETRONAS spend. (capped at RM 50 per month)] seems better but it only focus on petrol. hmmm Can I apply both?

For CIMB Cash Rebate Plat. MC, 2% Cash Rebate for statement balance below RM3,000. Cash rebate is capped at RM30 per month per card. Pretty low % CB


For Alliance You:nique, need spend at least RM2001 only got 3%. I dont think I will spend this much after factoring my main expenses on petrol and groceries which I will use MBB. I will only need another for insurance auto biling, prepaid reload, dining(maybe) which cost maybe MAX RM1k per month. If possible, any higher % CB?

Anyway, can please explain a bit the choice of the selection and how to optimise it? Thanks!
Personally, from the benefits, I will focus more on CB. Sorry if my I send out unclear details previously.

P/s: Newbie to CC

This post has been edited by w3sley: Aug 13 2018, 12:53 AM

yes, you can apply both MBB Ikhwan MC and Visa Petronas. subject to approval, as usual.

Thanks. May I know whether local insurance payment qualify for the the 2% cash rebate?

Unfortunately, NOPE
2% Cash Rebate Only available for Standing Instruction (Auto Debit) from,
Mobile Bill Payments - applicable to MAXIS, DIGI, CELCOM, U MOBILE, YES and WEBE only
Utility Bill Payments - MCC 4900 to all payments. MCC 5968 applicable to GAS MALAYSIA, SESCO and TNB only

I don't see any minimum 2k spending in HLB website. Can u confirm on this?

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

3. Terms and Conditions of the Programme
(a) The earning of Real Cash is determined at the end of each billing cycle/ Statement date and is equivalent to one per centum (1%) of total qualified retail spending (rounded to the nearest Malaysian Ringgit). The Real Cash earned shall be credited to and reflected monthly in the Cardholder’s Statement provided that the Cardholder has earned a minimum Real Cash of RM20 and subject to a maximum Real Cash of RM50 in each billing cycle/Statement date.

https://www.hlb.com.my/content/dam/hlb/my/d...0Conditions.pdf

https://www.hlb.com.my/content/dam/hlb/my/d...nov-2017-en.pdf

Wah so sneaky. Ff I spend less than 2k, those this amount counts for the anniversary bonus?

Need to Spend min. RM 3,167/month to earn Anniversary Bouns
Extra Real Cash Earnings
Total annual retail spend: ≥RM38,000 Bonus: RM280
Total annual retail spend: ≥RM68,000 Bonus: RM880
Total annual retail spend: ≥ RM108,000 Bonus: RM1,800
All valid Retail Transactions

1. Annual Income: RM 27 k

2. Free Lifetime Annual Fee: free with min swipe or min spend will be good

3. Card required for: CashBack/Rebate only. preferably with no min spend or tiered cashback

4. Existing credit cards (if any):
don't have any.


(prefer not card from CIMB bank)

This post has been edited by EON: Aug 15 2018, 08:39 PM

I am spending for house renovation and buying furniture and appliances... If my spending is like maybe 50k one shot, or buying furniture 10k here 20k there.. counted for anniversary bonus? Or is there any other better cards?

Thanks a lot.

I applied one first which is MBB Ikhwan MC. 24-hour approval.
Wonder when can I obtain the card?

Congratulations, what a good start for a 1st timer...
3-5 working days.

Nope, Jz Amex Cash Back Gold with 70 bucks AF got Unlimited 1% CB , AND HLB Essential 0.6% CB on 1st $5000 spend & 1%CB for subsequent spend

You can pair up with HLB Essential to earn more CB or get Amex CB spend 1st cut it later if u tak mau kasi AF

For fornute card they will calculate all your spend for you to earn annual Bonus.

HLB Essential or Alliance You:nique

Need some suggestion / insight from you guys.

Current income = 40K
Spending on cc / month = RM1000

Breakdown of credit card and usage

OCBC: insurance of RM450
MBB2C: odd purchases, average of RM100 / month
AEON Big gold: daily usage of RM300
Citibank: no use

With SST coming, need to trim down the credit cards. First to go is definitely Citibank. Now i'm in dilemma of cutting MBB2C or OCBC.

While MBB2C rebate is higher, due to my spending nature, very difficult to use it unless i have big purchases and it happen to accept AMEX during weekend, quite hard to justify keeping it when the SST is RM50.

On the other hand, OCBC's benefit is crap, but the 360 account is giving me saving rate of 1% higher than FD, and i have 10K cash inside that account.

Any suggestion for what card to keep / trash / apply / consolidate?