Since M2U Amex no more 5x points and 5% CB for TNB payment, what card or ewallet to you guys use to pay TNB?
Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards|
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 Jun 5 2019, 01:30 PM
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#1
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4,143 posts Joined: May 2005 
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Dec 18 2020, 03:04 PM
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#2
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4,143 posts Joined: May 2005
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Which credit card offers cashback for contactless beside PBB Quantum Visa? I maxed out my quantum visa every month, need to find additional card.
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May 14 2024, 02:59 PM
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#3
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4,143 posts Joined: May 2005
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Which credit card provides cashback for overseas spending? Or I should just stick to WISE card for better rates?
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May 14 2024, 04:32 PM
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#4
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QUOTE(Medufsaid @ May 14 2024, 03:12 PM) Barricade not a credit card but GX Bank doesn't charge fee on top of Mastercard rates. and there's unlimited 1% cashback Thanks for the recommendation! I shall use GX bank first. Hopefully no issue for overseas transaction.enjoy while it lasts. i foresee wise card will be in cold storage for some time  |
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Sep 1 2024, 09:50 AM
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#5
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4,143 posts Joined: May 2005
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I spent around 2k on groceries every month. I maxed out my UOB one card cashback for groceries and maybank M2U AMEX 5% weekend cashback. Any other card recommendation that can get cashback on groceries shopping?
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Oct 16 2025, 02:32 PM
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#6
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4,143 posts Joined: May 2005
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Tried to apply for Bank Islam gold card. Got rejected because "my commitment too high". I wonder how they evaluate.
My CCRIS total credit limit offered by bank is around RM800k combined. I utilize around RM200k. No late payment ever. Holding few Visa Infinite from big banks but got rejected for Gold card. lol |
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Oct 16 2025, 02:36 PM
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#7
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QUOTE(fruitie @ Oct 16 2025, 02:35 PM) Banks don't usually share the rejection reason and at least you know why. Maybe? But can they tell from CCRIS? lol Maybe a lot of BTs ongoing? So many 0% bt promo ongoing, hard to resist.  |
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Oct 16 2025, 02:39 PM
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#8
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4,143 posts Joined: May 2005
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QUOTE(cybpsych @ Oct 16 2025, 02:36 PM) not because of "gold card" la .... the whole bank wouldnt take the risk to onboard you I thought bank only consider those CCRIS record with a lot of 1111111 to be high risk ma. Me with perfect payment record also high risk meh? They should be happy I can spend 5-6 figures every month with no outstanding. Or maybe they reject because cannot earn late payment interest from me?It's ok la let's see Bank Muamalat EON reject me with the same reason or not. |
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Oct 16 2025, 08:32 PM
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#9
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4,143 posts Joined: May 2005
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QUOTE(xiaoxiaoshen @ Oct 16 2025, 04:43 PM) DSR too high........... you can just calculate it. monthly payment (home n car loan, PTPTN, PL), add total credit card monthly payment divide with your income. Makes sense. Although I have zero loan but my month credit card repayment is more than 2x of my monthly salary. Thanks for sharing.i got more than 100%, meaning all my income not sufficient to pay my monthly bill. actually is the 0% BT, i took the money and put somewhere. with high DSR meaning you already in deepshit, then how can a bank approve your loan to pay loan. this will help some, just pay all your credit card before end of the month, so it will show all CC with 0 outstanding balance at criss report. |
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