u could go PBQM --> Bigpay --> insurance
although there were some reports on the reliability issue on bigpay
alternatively, charging the insurance with Affin Visa and convert other expense to other cards?

for MBB Amex, except for certain transactions, other spendings on weekend will be eligible for 5% cashback (i.e. RM 200 petrol, actual cost = RM 190)
maximum cashback for Amex is RM 50 per calendar month (or equivalent to RM 1,000 spending) and will be credited in the following month
the catch is, the acceptance of Amex (although lazada and shopee are starting to accept Amex)

u r right, the SST will be charged based on the number of cards, which will be RM 50
however, u should consider the cashback u will be entitled to
if your petrol, Unifi, etc expenses which could be paid by Amex on weekend exceed RM 1,000 a year, it is quite easy to breakeven the SST
none of them charge annual fee

Public Quantum Visa and Mastercard, on the other hand, are more widely accepted. They are capped at RM 30 each card per month but pay attention to the spend category.

This post has been edited by 1mr3tard3d: Oct 4 2021, 10:30 AM

r u seriously going to apply a card just for the cashback on the phone?
those high percentage cashback card has a cap on eligible spending, so effectively probably get around 1%?
if get 12 month 0% instalment plan, save the reducing balance in fixed deposit @ 1.90% p.a. will probably result in interest around RM 50?

but...RM 50/RM 5799 ~ 0.9%, not 5%

i supposed your CIMB cash back would have covered most categories except insurance
but neither PBVS nor Quantum provides cashback on insurance directly, unless going through bigpay?
if u want to save the hassle, have a look at Affin Duo?

well, my misunderstanding then
like u said, the best return, which does not necessarily restrict to cashback
when the CC instalment feature is utilised, u r maximising the free cash flow available since big ticket item does not benefit well from cashback feature
if thinking outside of the box is irrelevant, disregard my comment

not sure how a 5% cash back is considered as bad cashback unless Amex is not accepted, there is a RM 50 room when the cap of other cards have been hit (usually pay for grocery, petrol, telco)
you may consider Affin Visa Cash Back to supplement PBVP/PB Quantum for ewallet reload, insurance and ecommerce
reward points which never expire - citibank
however, reward points are roughly equivalent to 0.2% cashback value, so I don't find them attractive

since your grocery is around RM1k, you would have hit the cashback cap of Maybank Islamic Mastercard Ikhwan
so you may consider top up your setel with Affin Visa Cash Back, as it also provides cashback to a number of ewallet
since you could also utilise Affin Visa Cash Back card for ecommerce, you would have free up the cap of PB Quantum Mastercard for utility bills should the CB of Affin Visa has been fully utilised

depending on the merchant, but observation from Lazada and Shopee, Maybank or CIMB perhaps?

u definitely want to avoid applying multiple banks at the same time

the cash back cap on Public Quantum would be RM 600 each, and not applicable for recurring/direct debit transactions
so u could also have a look at Affin Duo?
if u r going to cancel maybank 2 cards, then u may also have a look at RHB Shell?
using ewallet at place where amex is not accepted?
complement with a cash back card on ewallet reload with maybank 2 sounds ideal in your case

i like the e-standing instruction in Maybank, where the card statement balance could automatically be paid before due with single setting

1. it is kind of pity to erase your sole credit card history on credit score (may not matters to u)
2. if existing annual cash back from amex (petrol, grocery, bill payment, lazada/shopee on weekends) exceeds RM 50, then why cancel them?
3. there is no best card for cash back, u need to match your most significant spending with the optimal card (i.e. online transactions around 1.5k - 2k/month, Affin Duo sounds fit with this, so u may get RM 50 instead of RM 30 from PB Quantum although PB Quantum has higher effective cash back at 5%)

since u r a fan of shell, RHB Shell perhaps?
but then it will clash with JOP as they r both tier cashback with spending requirement

from my understanding, the campaign period only offered additional RM 250 + RM 175 cash back between August and December 2021
from the card T&C, it should be up to RM 1,200 annually without campaign reward

should also consider the monthly cap on top of the cash back rate
so far RM 50 cap sounds pretty good, any card above 6.25% cash back is not offering much benefit to RM 800 petrol
in the RHB scenario, paying petrol with ewallet, u could shift some petrol cap to the other 4 combined categories

Maybank has good cash back on petrol, downside is that only apply to weekend transactions
Petronas
Petronas

non-specific station
Ikhwan
Platinum 2

3. Card required for: AirMiles, Overseas Transactions, Free Lounge Access , Golf, Online Spending
unlimited 1% cashback has nothing to shout about...unless u decide to hold one credit card at any given time

not ignoring it but there are just too many cash back card alternatives which should be utilised first
always having a head start regardless of the spending amount


also, cash back was not even listed as requirement/preference...

what if u r just reloading bigpay/wise, etc?
although the PB cards are no longer applicable
RM 100 x 12

no idea

This post has been edited by 1mr3tard3d: Feb 10 2022, 05:05 PM

depending on the payment options available for your dining and medication
if they are above RM30 per transaction with contactless, then Public Quantum Visa may just squeeze in another RM 15 or up to RM 30 per month

from the discussion thread, some suggested that it is possible to apply just one card by leaving remark or successfully cancelled one card

if u r getting medication from pharmacy


This post has been edited by 1mr3tard3d: Feb 28 2022, 03:42 PM

depending on how much would be considered as high?
depending on how diligent u want to squeeze every cent of cash back
although it's kind of difficult to imagine people with 400k annual income to go through these hassles
could get 3% cash back from Affin Visa Cash Back for insurance, otherwise, could go for ewallet reload and pay insurance with bigpay card
if your maintenance and coway are direct debit, then they will also be qualified under Affin Visa Cash Back
assuming your shopping category refers to physical store shopping
if u prefer no annual fee, u may consider utilising the amex card
if u prefer paying less SST, then u may substitute amex with Maybank Islamic Mastercard Ikhwan


alternatively, could get additional RM20/month with Hong Leong Wise to pay RM 98 annual fee, with net gain of roughly RM 140 per annum

have u ever thought about replacing citi cash back card with hong leong wise?
although it comes with annual fee of RM 98, it should still provide attractive cash back for your usage


yeah, currently PBQ still providing cash back to ewallet according to other reports but there is no guarantee
(I am still using PBQM to reload bigpay then pay insurance, will apply affin once it is no longer available)
YOLO, u need to schedule your payment during the beginning of the month, ewallet cap at RM 15
so, Affin Duo would probably be easier (higher cap, no cb quota, provide cb to insurance), at slightly lower rate of 3%

Maybank 2 Platinum sounds ideal for your usage so long as the petrol station you visited and your professional body accept AMEX or Paypal
easy, straightforward
otherwise, u may, for instance, top up bigpay monthly with Affin Visa Cash Back (RM 500 x 6) and pay the professional fee with bigpay card, then your cash back will be RM 15 x 6
consolidate all payment with Affin and bigpay
alternatively, get Maybank Islamic Mastercard Ikhwan Platinum Card for petrol and grocery (your spending should easily cover the SST of RM 25)

400,000 TP?
MBB Service Tax, Air Miles and Annual Fee Redemption

Assuming X5 everytime, RM 800/ 80,000 ~ 1%

u get 5x TP with amex, so RM 100 each point
400,000TP ~ RM 80,000 spend, then u would have qualified for free annual fee

only unlock top tier cash back if monthly spending RM 2,500 or above

PBB Quantum Mastercard cashback is for online transaction; PBB Quantum Visa cashback is for 'paywave' , so use accordingly
haven't encountered annual fee with UOB One, they seemed to have an internal policy on auto waiver, but UOB is considered generous in terms of waiving annual fee
0% instalment depending on the merchant and promotion offered by bank, but Maybank appears to be widely accepted

list down recurring spending amount by category, then work from there

credit limit granted depends on luck, varied across individuals
if annual fee + service tax > cashback/points benefit, cancel
unless u wish to maintain the high credit limit granted / credit history record

why do u prefer cards with minimum spend requirement and cash back cap of RM 10 or RM 40?

if u r brand loyalty to Petronas, there is also 8% cashback with RM 50 cap option