0.25% CB

May I know which cc got highest cash back for e-Wallet.
Which cc got airport lounge without specific spending

Hello,

Appreciate if anyone can advice me which is best credit card for airmiles in both points earned and points redeemed?

Thank you.

Lounge
HBSC VS
PB VS
SCB world miles
Alliance VI

Maybank 2 premier
The platinum card (amex)
Cimb travel world elite
Alliance Visa Infinite

This post has been edited by adele123: Feb 23 2023, 10:04 PM

1. Annual Income: RM92k

2. Free Lifetime Annual Fee: Free or waivable through minimum swipe requirement (Every month confirm will swipe once)

3. Card required for: Cashback based on Restaurants, Shopee, TnG and Samsung Pay E-wallets, my home internet/mobile data/TNB bills all will be paid via TnG (I don't use the card for Petrol or Groceries)

4. Existing credit cards (if any): UOB Yolo Visa (Thinking of changing it due to recently changed to Samsung phone and Samsung Pay doesn't support UOB bank card.)

5. Interested in CC from: Any card will do. (Except UOB Bank cards)

6. Others: Salary bank is CIMB bank. I don't always spend over Rm2k per month, occasionally only over Rm2k.

1. Annual Income: RM92k

2. Free Lifetime Annual Fee: Preferable free or waivable. Or not too expensive per year (<200)

3. Card required for: Cashback (Groceries/Retails, Petrol, Utilities, E-wallet, online shopping and dining) (CC that commonly support 36 months installment is preferred), Insurances, Airmiles (If got lounge benefits better).

4. Existing credit cards (if any): Been long time Maybank 2 Gold cards user. Plan to change for better reward.

5. Interested in CC from: Maybank is preferred due to existing TREATS points accumulated, or any card that support apple pay also will do (lazy to bring out card from wallet) [i.e Ambank / HSBC / Maybank / Standard Chartered].

6. Others: Looking to get better cashback epecially together with ewallet usage (TnG, Boost, Grab Pay).

Thank you in advance for your recommendation.

AFFIN duo is probably your best bet. For groceries just use your Maybank Amex that gives you 5% on weekends.

Not really ticking the boxes. Especially the apple pay part. Really lazy to bring even my wallet outside nowadays. Retails that dont have at least QR pay wont get any visit from me except warung or runcit for small quick shopping.

Right now I'm cosidering HSBC Amanah MPower Platinum i and HSBC VS. Any thought?

And is it worth it to upgrade MB 2 Gold to Platinum card? Can I keep the CC number after upgrading bcoz already set auto monthly payment in the card?

Citibank cashback
HLB wise
Maybank shopee

Samsung pay, ada limitation

Just keep using maybank 2 gold amex. Platinum has little advantages over gold. You can compare on the website to know what you are missing out. And no, you cant keep the number if you convert.

Maybank visa signature.

HSBC VS is ok for lounge

Rhb shell visa

Thanks for the recommendations, I'm curious about the "Samsung Pay, ada limitation" part, does that mean some of the portals doesn't really accept Samsung pay? or some of the Cashbacks may not be applicable if I pay via Samsung pay?

Forgot one more card

PB visa signature

You are limited to banks that ties up with samsung pay. I am a user of samsung pay myself but the cards inside samsung pay, aside from citibank are not my main cards.

Not sure what adele123 meant by Samsung Pay limitation.
If you are thinking of matching your cc inventory with Samsung Pay then you need to check what cashback card is supported and not before you get the card.
And Samsung pay is (if I'm not mistaken) using your mobile to pay for purchases - doesn't support online payment. So that answer your question whether portals support Samsung Pay or not.

If there are other members who knows whether cashbacks are affected or not when using Samsung Pay (my guess is no issues with cashbacks) - do feel free to share.

This post has been edited by hye: Feb 28 2023, 09:05 PM

Alright. Appreciate that and Thanks for the further recommendation and explanation.

Yes, you're right. Thanks for the advice too.

Looking for new option for cash back card since today only noted PB Quantum card had change the criteria for cash back

1. Annual Income: >RM150K

2. Free Lifetime Annual Fee: waivable would be the best

3. Card required for: E-wallet (for paying all my bill and PTPTN) and online transaction

4. Existing credit cards (if any):
- Maybank 2 card - for all purchase on Sat & Sun with AMEX
- Maybank Islamic Petronas Platinum - for grocery and petrol on Fri and Sat
- UOB Yolo - for e-wallet (too bad capped RM15 cash back per month)
- PB Quantum - planning to abandoned it since all cash back must more than RM100 per transaction

5. Interested in CC from: up to suggestion

6. Others: I want cash back only, not into reward points or airport lounge.

PB Visa Signature - Have min spend of RM100 per trx to get 3% cash back
Affin Duo - Best for ewallet top up

Thanks for the recommendation.

Really interested in HSBC M Amanah card. Cashback is trough out the week, unlike MB when cashback is for weekend pay/purchase. Can get points with money transfer to the ewallet too which MB does not offer. But the downside is the HSBC reward catalogue is really limited, unlike MB treats.

I guess I will stick to my MB2 Gold for now.

Cash back is capped at up to RM80 per month with following Previous Balance in AFFIN DUO Visa Cash Back credit card statement:

Up to RM80 for card account with previous balance of RM3,000 and above

Up to RM50 for card account with previous balance of below RM3,000

so does this mean, last month total cc spend more than RM3k cash back RM80?

Is there any good ewallet cashback for MasterCard ?

Fresh grad here.
Annual income: 42000

Is getting credit card recommended for a fresh grad like me?
Heard a lot of nasty stories regarding CC.
My friends all encourage me to get one.

What nasty story? Rhetorical question

I can equate this to a drug. Drug when used correctly will help you. When being abused, will spiral out of control and die from it.

CC is a tool, not human, neither good or evil. It's the human behind it determining how it's being used.