Recommendation for Credit Cards V4

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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

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Cyyap95	Aug 30 2018, 09:58 PM Return to original view \| Post #1
Getting Started Junior Member 224 posts Joined: May 2012	Hello guys, I'm currently having 2 card, Maybank 2 Card and Standard Charted Worldmiles, and I'm mostly interested in Air Miles, (because the earn rate are about 5~7% which CB card seems unable to compete with.) But this 2 card doesn't collect or give every good earn rate for below usage: It does not gain 5X TP with Maybank Amex Reserve 1. Insurance (AIA, Great Eastern, Prudential) 2. Petrol 3. Water / Unifi / TNB 4. Maxis / Digi / Astro TV If they don't get 5X TP which card should I get to pay them? I'm considering PETRONAS Maybank Platinum Visa for Petrol, no annual fee, 8TP per RM1 spend on petrol, converts every 7TP to 1 Enrich miles, if enrich miles are about RM0.06 (based on business/first class flight), meaning the earn rate are about 6.8% But I'm not sure for the other, I have a lot of expense on insurance
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Cyyap95	Aug 31 2018, 12:47 AM Return to original view \| Post #2
Getting Started Junior Member 224 posts Joined: May 2012	QUOTE(fly126 @ Aug 31 2018, 12:13 AM) How about, AmBank VISA Infinite Card /AmBank World MasterCard • 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia. • All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in. • Free-For-Life, NO conditions attached • 5x access per calendar year with min. spend* of RM500 within 30 days before and/or 30 days after each lounge access. Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles) http://www.ambank.com.my/eng/cards/visainfinite Beside MBB 2P & M2C can Earn 5x Points... » Click to show Spoiler - click again to hide... « i) Citibank Visa Signature/ World Mastercard - Replacement for (Generic) Normal Plat. Card which provide Unlimited PPL Access to Cardholder. • 5x Rewards point awarded at selected Supermarket, Dept. Store or Hypermarket. a. Departmental Stores: AEON, AEON Big \| Isetan \| Marks & Spencer \| Metrojaya \| Parkson \| Robinsons \| Tangs b. Supermarkets: Cold Storage \| Everrise \| Giant \| Jasons Food Hall \| Servay \| Tesco\| B.I.G. Ben's Independent Grocer \| Jaya Grocer \| Village Grocer • 5X Citi Rewards points when you travel overseas* Retail transactions made at the selected supermarket/hypermarket merchants will be awarded 5X Citi Rewards points up to a maximum spend of RM3,000 per billing cycle month. Overseas retail transactions will be awarded 5X Citi Rewards points up to a maximum spend of RM24,000 per year. https://www.citibank.com.my/english/credit-...rade/index.html ii) SCB Visa Platinum -* 5X points with Dining, Department stores, Overseas spend. https://www.sc.com/my/campaign/visa-platinum-relaunch/ iii) Maybank Visa Infinite - Overseas Spend RM1 = 5X tp. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards iv) AmBank VISA Infinite Card /AmBank World MasterCard - 5X AmBonus Points for overseas spend. https://www.ambank.com.my/eng/cards/visainfinite v) RHB VISA PREMIER / INFINITE CREDIT CARD - 8 /5 x Reward Points for Overseas retail spend. https://www.rhbgroup.com/products-and-servi...ite-credit-card vi) HLB Sutera Platinum Card - Up to 6X Rewards Points with Shopping, Travelling and Dining spend https://www.hlb.com.my/en/personal-banking/...tinum-card.html vii) HSBC Visa Signature • 10X Reward Points on overseas hotel room and dining spend • 8X Reward Points at Mid Valley Megamall and The Gardens Mall • 5X Reward Points on: Airline ticket purchases, Room and dining spend at local hotels All spend at more than 30 participating malls nationwide & • 1X Reward Points on all other daily spend. https://www.hsbc.com.my/1/2/!ut/p/c5/04...VPW/#_signature viii) Alliance Visa Infinite 5x Timeless Bonus Points* for overseas retail spend 2x Timeless Bonus Points* for local retail spend https://www.alliancebank.com.my/cards/perso...inite-card.aspx Thanks for the reply bro! Since it's FFL I'll probably get AmBank VISA Infinite Card /AmBank World MasterCard as well, the earn rate (RM1/miles) is quite similar to Maybank AMEX Reserve (RM0.954/miles), I'll research awhile see what's the conversion rate, because Maybank charge 2.5% markup with this card for overseas spending, if Ambank charge lower and able to offset the slightly lower earn rate it can replace my overseas spending card. But It seems like all the card you recommended doesn't give same kind of reward for Insurance
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