For Affin Bank, it mentioned specifically Retail Transaction. I dunno is Education is consider as part of Retail Transaction or not

I just worry after I swipe my card and it is not eligible, then i will be in deep problem. So I have to betul betul ensure

3. Card required for: Mainly Petrol, Secondary Groceries and Dining. Cashback.

4. Existing credit cards (if any):
- UOB One (non-platinum): my main use CC card now, got RM10 petrol cashback and ~RM10 dining cashback. Current spending around 700+/mth
- Maybank 2 Card Gold (Visa + Amex): just received, not activated, got thru telemarketing
- Public Bank Quantum (Visa + Mastercard): just received, not activated, just wanted to get the limited edition card

6. Others:
- Monthly CC usage is around 300 for petrol, 100 for insurance autopay, 300 for groceries and dining.
- Online/foreign online transaction/bills ~RM300/mth but I always use debit card. After reading some post by a staff regarding debit card is directly use your bank money, things seems to make sense and I'm considering to use CC for everything now.
- according to my research, my current UOB One remains well suited for my usage, and consistent RM10 cashback on petrol for my usage. I post here to see if anyone knows any other card worth using other than UOB One, or should I activate one of those new CC I received.

3. Card required for: rebate (preferable)  or miles whichever is more suitable
-buying fridge+washer+mattress+water purifier, est 3k each
-Either from Lazada (online shopping)
-or Harvey Norman/home fair (contactless) - would like to understand it will be under which cb category?
-Able to split bill, due to the cb capping
-Able to combine ewallet+cards to split bill

6. Others: Basically a low spender, spending mostly only on online. But wish to make more benefit from this one-time large purchase for my new house, so seeking recommendation of new cards: first year annual fee & SST waiver is good enough. willing to apply many cb card and split the payment with different payment method to maximise cb.

3. Card required for: Online transactions, groceries, petrol, dining

5. Interested in CC from: UOB One Platinum, Alliance Visa Signature

Spend analysis:
Dining - 300 to 500
Insurance - 300
Online - 1500 -2000
TNG for parking and toll - 200
Petrol - 200
Utilities/Other - 1000
Total: 3-4k per month

Alliance Visa Signature uncapped cashback looks good, but what is the catch? I can meet minimum 2k spend for the 5% cashback. Assuming i spend 3k per month, thats RM150 cashback. One drawback so far is that there is no EPP for IKEA, but i already have a CIMB credit card that qualifies for IKEA 0% EPP.

2. Card required for:
- monthly groceries Rm300 to rm400. Normally spend at NSK, AEON and 99 speedmart
  *NSK, I use CIMB Cash rebate platinum
  *Aeon, if weekend use Maybank gold Amex. Weekday use CIMB cash rebate card
  *99, same as aeon
- petrol around Rm300 per month. Use Maybank Petronas Ikhwan Visa
- U mobile rm80 per month. Using Maybank Amex
- Shoppee / Lazada occasional groceries purchase
- Water, tnb, unifi, and iwk. Total around Rm400 monthly. Searching for card that can give cashback for this if there exist
- Other: Insurance, Car maintenance, restoran, etc

Can someone suggest better card for my application or maybe card to consolidate for all my spending? Something like 1 or 2 card to get all Cashback. Feels like a hassle holding all this 4 card.
Currently using the Petronas Ikhwan card, I am already getting 8% cashback for refuel without any minimum spend.
Feel like can be use for paying bil and getting 8% cashback. Just that u have to go to the post office counter to pay.

Hi, I have looked at all the TnC, but I didn't find any lines stated got CB for insurance. If I have CB for insurance, I am also interested, as my monthly commitment to insurance is also quite a number. Thank you for your answer.

thanks but from RM3,000 or above monthly....hmmmm

3. Card required for: Cashback mainly on physical store grocery, pharmacist and petrol (Shell)

6. Others: Due to unable to reach the monthly spending limit to qualify for higher cashback for both of the existing cc. I plan to advise her to terminate the CIMB and downgrade UOB One to Classic version.

Below is her monthly average spending limit
Grocery: RM70-350
Pharmacist: RM40-200
Petrol: RM40 (prefer Shell)
Others: RM20 (Mr DIY store)

Due to living in East Malaysia, there is no Aeon, Giant, Cold Storage, Jaya Grocer, Ben, Mydin, Econsave, Lotus and Village Grocer. Only local big stores like Survey, Emart, CKS and Lintas.

UOB for grocery also can CCK Local Supermarket and Servay Only.... No for Bataras and CKS and 99
As i using UOB One classic, month requirement statement 500 only and
CIMB Petronas Pla... which CIMB more for Petrol, Grocery (Bataras, CKS, Servay, CCK also can) and Food... but the statement 3500 really quite high. or u mixed with ewallet reload.
IF u mainly for SHell, i think go for RHB Shell Visa which i also decide to apply now, then stop CIMB

Be that as it may, even if you consider the return-on-investment, it doesn't consider the exclusions or the spending pattern of the user. A cashback card may give you a high ROI but the fact is you must spend 2K and only pump shell petrol. These variables will skewer any attempt to factor in ROI.

TNG = 1000 
Utilities = 100 Umobile
Insurance = 200

6. Others: Any suggestion for my TNG, utilities, insurance spending?

A. Maybank Islamic Petronas Ikhwan Platinum - 8% cb petronas, no min. spend
- does this cc confirm give 8x treatpoints for spending on weekend/ 5x for weekdays?

i saw that one too, but when i cross checked at Maybank official website, there are not mention on min spending RM100 and above.

It could be typo error, so far as i know only PB Quantum cc had that kind of requirement.

petrol : 920
Grocery : 500
Dining : 500
utility : 150
e wallet/online : 850

for affin duo, what do they mean by this?
"Cash back is capped at up to RM50 per month with following Previous Balance in AFFIN DUO Visa Cash Back credit card statement:

if i clear by outstanding end of every month, do i still get to have 50CB?

and can i only take up the CB (Visa) and not the points (mastercard)?

On "allergy to AF", i just dont like the hassle of calling and requesting for a waiver that is up to the goodwill of the bank..

also, the total CB is not that high ..
HL Wise max CB = 60/mo = 720/yr - AF98 - SST 25 = 597/yr
UOB One plat max CB = 60/mon = 720/yr - AF195 - SST25 = 500/yr

compared with
RHB Shell max CB = 100/mo = 1200/yr - SST25 = 1175/yr
CIMB Ptronas VS max CB = 120/mo = 1440/yr - SST25 = 1415/yr
Maybank VS max CB = 88/mo = 1056/yr - SST25 = 1031/yr
RHB VS : max CB = 190/mo = 2280/yr - SST25 = 2255/yr (but 1200 of that is overseas so spending pattern is not that good a match)

3. Card required for: CASHBACK -mainly online transactions, Insurance, Dining and "other" categories not covered by my current cards / other categories once my other cards' cashback are capped or not eligible for cashback, preferably no min. spend per transaction and high effective cashback

4. Existing credit cards (if any): CIMB CB master(plan to cancel this), RHB Shell Visa, HL Wise.

6. Others:
Monthly Spending pattern:
Online: 2k (Lazada & others)
Dinning 500
Groceries 500 (mostly AEON)
Insurance 500
Pharmacy 1k
Utilities: 350
Petrol ZERO

1. Maybank 2 cards platinum - Amex 5% cashback - petrol and groceries and dining

3. Alliance Visa Infinite - As filler for merchants unable to use Amex. - Top up ewallet, pay insurance premium (non auto debit)

I hear the SST for the maybank 2 cards, if I don't activate the Visa/Master I won't be charged. Is that correct?
I think after seeing all 3, I will go for Affin Duo! You're right, it is better to get CB for e wallet reloads and then can also use for insurance. I need to utilise auto billing for the premium payments to qualify correct?

Bank Islam Visa Platinum seems nice, and no see any insurance in the excluded list, so maybe insurance still eligible for the cash back.

3. For online spending = so far I've research only Aeon CC that offers 2% cashback without any min monthly spending. Any other recco that I may have missed out?

3. Card required for: Insurance auto debit payment, Maxis postpaid bill auto debit payment, Petrol, groceries, cashback on online/physical shopping and dining.

6. Others: Trying to check any types of credit card that suit my spending, roughly RM1k-2k monthly

6. Others: Has been maxing out cash back from all my existing card, wanted to have recommendation any other cards that I can capitalize with Cash Back, e Wallet Top Up & Contactless especially below RM100

You owned Bank Islam Visa Platinum CC?

card tier placement/level

capping is to manage abuse/risk

for you, just get Gold lo ...