QUOTE(GreaterFool @ Aug 26 2018, 06:46 PM)
1. Annual Income: RM150K and above
2. Free Lifetime Annual Fee: Doesn't matter.
3. Card required for: List all your needs: Airmiles or cashback, whichever give higher value. (For example if the airmiles converted into cash value is only 1% of every dollar spent, but cashback is 1.2% then cashback is better value)
4. Existing credit cards (if any): SC Worldmiles
5. Interested in CC from: Not sure
6. Others:
I run a business that
I want to pay all the expense with my credit card to earn the points, most of the spending are to oversea company, for example facebook advertising. The business expense are about 10k~20k per month, and might be growing to more expenses.
How about get a MISC Card...
MISC. Spend - Alliance You:nique, HLB Essential, MBB 2Cards, SCB Cash-Back Plat., Maybank FCB VS, HLB Fortune.
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i) HLB Essential: 0.6% on 1st RM5000 spend or any Insurance Transaction, 1% cash back on Subsequent spend,
NO cashback on Petrol Transaction.
ii) SCB Cashback Plat.: 2 - 5% CB with min spend $500,
NO CB for Petrol, Insurance Transactions.
https://www.sc.com/my/credit-cards/goldcard/gold-card.htmliii) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending.
http://www.alliancebank.com.my/youniqueiv) Maybank FCB VS * 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.
v) 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.
https://www.hlb.com.my/en/personal-banking/...rtune-card.htmlvi) Maybank 2Cards * Lifetime Waiver
NO Annual Fee on Treats-Point (Basis), with
3 Years Lifespan Period
* 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 or Pay your Utilities Billing by using 2 Amex thru Maybank 2U or Online at Weekends it will earn You 5% Cash Back)
also,YOU can Uses Treats Point to redeem, Shopping Voucher or uses on Enrich Air Miles Redemption
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) QUOTE(christcwl9 @ Aug 26 2018, 08:07 PM)
1. Annual Income: RM100K to RM150K
2. Free Lifetime Annual Fee: Free with no/with conditions are both acceptable
3. Card required for: List all your needs: Online cash back, dining cash back, Free Lounge Access
4. Existing credit cards (if any): CIMB Cash Rebate Platinum, PB Quantum Visa/Mastercard, Ambank True Visa
5. Interested in CC from: Public Bank Visa Signature is on my huntlist now.
6. Others: Please recommend me with credit cards that are comparable to PBB Visa Signature. Thanks
i) [b]DINING - PBB Quantum MC, MBB 2Cards, UOB Yolo, PBB Visa Signature, UOB Preferred Plat.
ii) ONLINE - PBB Quantum Mastercard, MBB 2Cards, PBB Visa Signature, UOB Yolo, SCB JustOne Plat.
iii) BILLING - CIMB CR Mastercard, SCB Just One Plat., UOB Preferred Plat.
(via Auto Debit).
SCB JustOne Platinum MasterCard» Click to show Spoiler - click again to hide... «
CashBack on Auto Bill Payments, eCommerce and Petrol.
(except Government & Charities ).
| Spend (RM) per month | Rebate on Petrol, eCommerce & Auto bill | Other spend | Capping per month (RM) |
| 1,000 to 1,499.99 | 5% | 0.2% | 12 |
| 1,500 to 2,499.99 | 10% | 0.2% | 28 |
| Above 2,500 | 15% | 0.2% | 85 |
* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.
The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:
a) Petrol MCC: 5541, 5542
b) Auto Billing: (via Auto Debit)I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional
c) eCommerce/Online spend: For all online transactions made with “Transaction Mode = M, D, S and U”
* Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via
https://360rewards.standardchartered.com/my/rewards_homeBtw, SCB JusOne Plat. Annual fee can be Waive EZly with just a Call to CS :nod