KL to tokyo(narita) for MAS, economy return is only around 40k, 40k x 4 which is 160k, how u get 360k...?

Alliance Bank Visa Signature. You can easily reach the RM 2,001 to RM 3,000 spending monthly anyway, so why so care about the min spend? If you are a big spender, you can automatically cross into 0.25% category, higher a bit compares to other banks that offer unlimited cashback.

CASHBACK CATEGORY CASHBACK RATE MONTHLY CAP SPEND
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends 0.05% uncapped from RM1up to RM1,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends 0.5% uncapped from RM1,001up to RM2,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends 5% uncapped from RM2,001up to RM3,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends 0.25% uncapped from RM3,001 or above monthly

Serious 0.25%? I don't bother with anything below 3% cashback. Yes I capped my spending cause no point spending when they don't reward you.

Hi sifus, anyone here know if paying off Shopee Pay Later is considered as Online Spending?

Anyone managed to get cashback for insurance auto debit under Auto Billing category for Bank Islam Visa Platinum Credit Card?

Yes, Hong Leong Assurance & Great Eastern Insurance

ideaplus is the cashback for this card based on statement month or calendar month cycle?

Calendar month cycle
I saw the CB for April (RM30.00) credited into account on 10/05/2025 when I received my statement on 15/05/2025

This post has been edited by ideaplus: Jun 5 2025, 08:12 PM

Hi guys ! please recommend

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Yes (also ok for minimum swipe)

3. Card required for: Cash Back, Miles or/and Points

4. Existing credit cards (if any): Standard Chartered Simply Cash (terminating soon), Maybank Manchester United, CIMB e Credit Card

5. Interested in CC from: Public Bank or Hong Leong Bank

6. Others:

I want to get the best out of either miles/points or cashback credit card from either PB OR HLB. Only want to get to these banks because of 0% EPP for big bike purchase + support Samsung Pay. Also bonus if bank do frequent offers e.g free or discount at F&B.

Extra information:
Im replacing Standard Chartered - Simply Cash CC and will terminate due to shitty apps and annual fee. I have used UOB/Citibank Cashback CC in the past but sadly had to terminate due to no Samsung pay support. On the side, I also use CIMB e Credit Card (to utilize points on 28th) and Maybank Manchester United for backup as its the most convenient in term of banking + apps.

Hello sifus, I currently have Maybank Ikhwan Plat Amex Credit, Maybank Cashback Gold Amex Credit, and Maybank FC Barca Plat Visa Credit.

My monthly spending is around RM 4.5K, my 6-month median cashback:
1. From the Ikhwan Plat Amex - RM 50 a month
2. From the Cashback Gold Amex - RM 29 a month
3. From the FCBarca Plat Visa - RM 11 a month

Do I start optimising for airmiles at this spend level - assuming I fly overseas 1-2 times a year; one of those to Africa (usually Johannesburg, SA) via Emirates, the other a random holiday with no set airline (I'd stick to one airline if my CC gives miles for it) - or just stick to cashback? Therefore, should I continue keeping these 3, or are there other options that would be better? (Eg. Consolidating / switching to a different card)

This post has been edited by KaiHD: Jun 14 2025, 05:49 AM

no comments on airmiles.

2. From the Cashback Gold Amex - RM 29 a month

iinm, this is unlimited 1%. with rm29 cb, that's about rm2900 spending using CB Amex Gold.

since these spendings/merchants already accepting amex, perhaps you can get Maybank 2 Card Amex? it gives weekend 5% cb, rm1000 spending gives rm50 cb per month.

remaining rm1900 spending using CB Gold amex instead.


3. From the FCBarca Plat Visa - RM 11 a month

i guess this is general spending, mostly offline swipes?

rm11 cb from rm1100 spending (1% cb rate)

perhaps can get Affin Duo+? the Visa Signature card gives 3% cb for any offline spend below rm250/txn. you can get rm50 cb with up to rm1667


for other general online spending, can get RHB Shell or RHB WMC or Affin Duo.

Hi to all Sifus, can anyone advise if bank Islam visa platinum can get cashback paying spaylater? It’s consider online spending, right?
Another question I have is does paying TNB through the app entitle for the cashback?
Kindly advise. Thanks.

Hi all, planning to purchase electrical appliances for new house using Shopee through credit card installment. I see that only three banks are accepted, CIMB Maybank and PBB. Wondering which cc from these banks are the best to apply to? Currently I have affin duo and rhb shell, but neither these two are accepted as cc installment in shopee.

if u r fine with 12-month tenure,
could potentially utilise the Affin 0% 12-m FPP manually but ensure sufficient time between buying/posting date and statement date
alternatively, utilise your RHB shell cash back quota and Affin 0% 12-m balance transfer
either way, might need to wait for a while because the current promotion last until 30 June 2025, hopefully they will be extended

if both cash back from affin duo & rhb shell had been maxed out, MBI Amex could provide additional RM 50 cash back

This post has been edited by 1mr3tard3d: Jun 27 2025, 06:13 PM

Thanks for the idea. I had forgotten about this affin FPP because I've used it before last time. Will keep an eye on this if they extend the promotion.

Does Alliance VS pays cashback for education fee payment?

hello sifu.
i am planning to reshuffle my credit card.
salary 70k annual
i want to reshuffle my cashback card.. please, advice I should cut and apply
1)rhb shell
2) maybank 2 gold cards to ikhwan
3)hsbc live+
4)petronas visa I cimb(don't ask how I get it) stuck to use for setel
what cards I should swap and apply?

With the new changes coming soon for RHB Shell, what are the good credit cards for e-wallet reload? I already have the following:

HL Wise
Affin Duo+
PBB Islamic Platinum

edit: removed.

This post has been edited by simplesmile: Jul 13 2025, 10:30 PM

Affin DUO 3% cb, cap at RM30
Alliance VS RM55.5 cb @ 1.85% reload RM3k to e-wallet