Recommendation for Credit Cards V4

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MeToo	Aug 31 2017, 11:41 PM Return to original view \| Post #1
Look at all my stars!! Senior Member 9,338 posts Joined: May 2009	QUOTE(fly126 @ Aug 31 2017, 04:10 PM) Beside HLB Fortune... Amex Cash Back Gold Credit Card, RHB Business Plat., HLB Essential, Alliance You:nique. Amex Cash Back Gold Credit Card http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards RHB Business Plat. https://www.rhbgroup.com/products-and-servi...ess-credit-card HLB Essential https://www.hlb.com.my/en/personal-banking/...tial-card.htmla Alliance You:nique http://www.alliancebank.com.my/younique Awesome thanks mate. Looking thru this... Amex Cash Back is not bad for anything above 200k spent.... 108k and below still HLB Fortune better. RHB Plat nothing special, I rate it below Amex CB Gold. HLB Essential no good... Now Alliance.... I'm not sure how to intepret this.. Monthly Spend (RM) Rebate (%) 0 - 1,000 0.50 1,001 - 2,000 1.50 2,001 - 3,000 3.00 > 3,000 0.30 Does this mean first 1k is 0.5%, second 1k is 1.5% and third 1k is 3%? Or if we spend 3k a month its a flat 3%? Anyway for high spending... its no good as anything above 3k gets a measly 0.3%...
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MeToo

Sep 1 2017, 10:22 AM

Return to original view | Post #2

Look at all my stars!!

Senior Member
9,338 posts

Joined: May 2009

QUOTE(fly126 @ Sep 1 2017, 12:44 AM)

Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending, Lifetime fee Waiver with 12X Swipes p.a & also Good with PTPTN. :thumbsup:
http://www.alliancebank.com.my/younique

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

How Alliance You:nique Cash back tier Works: -
RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap).
However, HLB Fortune- need min. spending RM2k to qualify 1% CB, this is a good card if you could spend at least RM 2k but capped at RM 5k (RM 50 cash back).
For this Card needs to spend at least RM 2k per month and the CB it will not be accumulated. If cannot achieve 2K then CB will be burn off.

And, Amex CB Gold got 70 Bucks Annual Fee...

Btw, the HLB Essential earns up to 1% Cash Back on all valid Retail Transactions (except Petrol & Government Trasactions) also a Good Card as a Spare...

i. Cash Back:
* 0.6% Cash Back for all Insurance transactions
For other Retail Transactions,
* Tier 1 – 0.6% Cash Back for first RM5,000 spend
* Tier 2 – 1% Cash Back for subsequent spend

Thanks for the explanation!

Seems You:nique is not right for me... The CB is way too low.

HLB fortune the advantage is the annual bonus

Total annual spend Bonus
= RM38,000 RM280
RM68,000 RM880
RM108,000 RM1,800

So if we spend 108k for the year.... The CB is actually 1.66% ontop of the potential 1%/RM50 per month.

Next is HLB Essential vs MBB Amex Gold. These 2 depends on monthly spending Vs big 1 time swipe. Cause the HLB loses out of rm20 monthly due to the lower CB for first 5k while Amex gold loses out on Annual Fee.

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MeToo	Sep 2 2017, 04:50 PM Return to original view \| Post #3
Look at all my stars!! Senior Member 9,338 posts Joined: May 2009	QUOTE(fly126 @ Sep 2 2017, 01:45 AM) Do you have Maybank 2Cards...? * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards Maybe U can consider also SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. An EZ Fee Waiver with jz a Call to CS https://www.sc.com/my/credit-cards/goldcard/gold-card.html Ya... My Maybank 2 card is my go-to card for the weekend. I also have PBB signature for their 6% cashback. SCB no good for my needs cause of the 50 CB cap... I need high % and no cap for 6 digit spending which i use once awhile... (House DP, change car, Reno etc)
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MeToo	Jan 12 2018, 06:28 PM Return to original view \| Post #4
Look at all my stars!! Senior Member 9,338 posts Joined: May 2009	Looking for a card with unlimited cash back as I'm charging a car on it... perfer those high %% Cash back with no cap limit monthly.. I've got my HLB Fortune which i already maxed out the $108,000 annual limit.
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MeToo	Jan 13 2018, 03:42 PM Return to original view \| Post #5
Look at all my stars!! Senior Member 9,338 posts Joined: May 2009	QUOTE(Osho @ Jan 13 2018, 12:04 AM) Charging a car on a card and looking for unlimited cashback? It'll be easier for you to negotiate a 2-5% off from your car vendor and pay by cash Since after charging a car on a card you're gonna pay by next statement There is no such thing as cash discount for Hap Seng bro...
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MeToo	Sep 18 2018, 04:57 PM Return to original view \| Post #6
Look at all my stars!! Senior Member 9,338 posts Joined: May 2009	Maybank card combo of AMEX+Master (just use the amex). Or if u can hit 108K annually, best would be HLB Fortune card.
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MeToo	Sep 18 2018, 05:03 PM Return to original view \| Post #7
Look at all my stars!! Senior Member 9,338 posts Joined: May 2009	QUOTE(memrize @ Sep 18 2018, 05:00 PM) what would be the strong point of this card other than others? 108k anually means we should spend 108k annual? 108k hit gets 1800 cash back. I thik there is 3 tiers, u need to go check yourself, I only target the 108k. 1% CB limited to 50 per month (all purchase). SO theoractically you can get 50 x 12 plus 1800 cb = 2400 for 108k spent which is 2.2% no limit on category.
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MeToo	Sep 18 2018, 05:16 PM Return to original view \| Post #8
Look at all my stars!! Senior Member 9,338 posts Joined: May 2009	QUOTE(nforce4_ultrad @ Sep 18 2018, 05:08 PM) thx.. any benefit for oversea spending? Not that I know of. Just the CB as given above. There are some specific overseas spending card which usually have little or no cap, but the CB is around 1% only....
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