1. Annual Income: RM 150 to 180K
2. Free Lifetime Annual Fee: don't mind.
3. Card required for: Enrich Miles (best conversion), shopping, dinning, utilities, airport lounge (with conditions/limited, don't mind)
4. Existing credit cards (if any): MBB Premieir, Visa Infinite/ Amex Reserve
5. Interested in CC from: Any
6. Others:
Had an impressive run with MBB cards. Every month with RM 50 rebate. Recently, won a prize for RM 500 for payment made to LHDN. I managed to obtain close to 300K TP (with MBB 2 Platinum). Overall I am quite happy BUT lookin at the trajectory of my spending and the upcoming anniversary for my card, it looks like i won't be able to spend the requisite 50K per annum coz of other obligations arising in 2018.

So need help from you guys to help me to jump to the next best card that can match MBB Premier cards.

This post has been edited by aurora97: Nov 1 2017, 12:29 AM

1. Annual Income: > RM100K

2. Free Lifetime Annual Fee: No.

3. Card required for: Cash back
(i)must have: shell petrol pump, e-wallet top-up, utilities.
(ii) nice to have: insurance (AIA only)
(iii) don't really care: grocery, dining, online spending or any other spending

4. Existing credit cards (if any): Maybank 2 Card Premier (big ticket items and travel), HL Wise Card (mainly grocery, online spend but capped at RM15, sad)

5. Interested in CC from: Currently, very interested in RHB Shell Visa Card (potentially, I can hit RM 100 cash back every month)

6. Others: I am looking for the best cash back for Shell petrol which I pump, e-wallet top up and cards with cash back on utilities is great as well. Cash back on premium paid for AIA insurance would be interesting. Also, a lot of cash back is capped between RM 15 to 50 based on category.

Don't need the extra credit limit but the CB scheme so far RHB is the best and most matching for my lifestyle. Just want to make sure I cover all my bases before I proceed to apply.

If I hit RM 100 cash back monthly, this would have covered the cost of the stamp duty as well, which is pretty good.

The item highlighted in bold, yeah this is a good idea as well, I think this could work out like a charm.

1. Annual Income: approx RM200,000 - 300,000
2. Free Lifetime Annual Fee: Am okay paying for annual fee
3. Card required for:
- collect flyer miles especially Enrich, I have more domestic travel
- lounge access
- autobilling, pay utility, education, insurance (must have)
-online shopping and reload TnG eWallet (optional)

4. Existing credit cards (if any): M2P, HL Wise
5. Interested in CC from: Open to suggestion
6. Others: am okay to apply for more than one card (if there is cash back advantage ex. RM 600 per year or significant reward ex. x8). Indifferent towards service tax and stamp duty.

Looks like you have too many cards. I think you have to ask yourself, what do you want to focus on, example like cash back, point collection, travel or etc...? Once you nail that down, you can narrow down your goals and focus gathering points in a more efficient manner.

For me, the goal is to collect points and convert to Enrich Miles. Previously, I was using MBB2Card as well and the collection of points and conversion rate was pretty good until they crashed the party. Also, a lot of exclusions like no points for Gov, Jompay, FPX, ewallet etc...

I won't talk about SST and AF, I assume you can request for waiver or its not an issue i.e. spending limit met or free.

I changed to UOB, currently have UOB Priv Miles Elite and UOB World, also I have Alliance VI otw.

I will highlight some of the key usages.

UOB World -

Primary Usage:
For Grocery [Aeon, Aeon Big, Jaya Grocer, Big etc... - x5 for every RM 1 capped at RM 3,000] and EWallet [itune, TnG, Boost, BigPay - x12 for every RM 1 Capped at RM 300] (unfortunately, its limited to certain outlets).

Exclusions (meaning no points):
For petrol, transport, utility, jompay etc...

Overseas Spend:
x5 (if you have PRivi Miles Elite, it's x10)

PPL:
x6 KLIA and KLIA2 only (not great but if you have supplementary card, they can share the x6 with you, other banks supplementary cards normally not entitled)

Hidden perks:
Spend no less than RM 48K in a year, get 125k points.


UOB Priv Miles Elite

Primary Usage:
Booking air ticket [x5 for every RM1] and overseas spend [x10 for every RM 1].

Exclusions (meaning no points):
For jompay etc... [interesting to note the exclusions are fewer, you just collect x1 for any other purchases]

PPL:
x8 mainly Asia, Dubai, Canada, Wtf? but the list is kinda sporadic not as good as Alliance VI or MBB2Card. (then again you can share the limit with your spouse)

Hidden perk:
The airport limo is just a gimmick, me thinks.

The interesting perk is how points are collected. Example, if you are collecting points using your UOB World Card and if you have a premium card such as Privi Elite, the cost of acquisition for certain items may be lower.

Example UOB World: 15,000 points required for 1,000 enrich
Example UOB Privi: 9,000 points required for 1,000 enrich

Say you manage to collect 125K points using your UOB World Card, when you redeem the reward, you can claim it under UOB Privi. So instead of getting 8.3K enrich, you will receive 13.8K enrich.

You will be asking me why not use Zenith? Which cost 6,400 points required for 1,000 enrich? If you read deeper into the terms and conditions, there is just too many things in these cards that are excluded and I can't be bothered to remember them all.

Alliance VI

This card is on steroids except for miles conversion (10,000 points to 1,000 enrich) and x2 PPL.

Everything else that is not covered or the limit has exceeded, you can use Alliance VI to bridge the gap.
x8 Online Shopping and Ewallet top up (cap RM 3K)
x5 Grocery, Overseas, Dinning
x1 Auto billing, jompay, fpx

Lastly, no expiration for the points.

Should give your wife this card.

No coverage (b) and ©.

UoB World
- PPL only KLIA & KLIA2 - Malaysia only.
- conversion is 15K points to 1K Enrich/Airmiles
- meet spend min spend RM 48K, get 125k points on anniversary
- Annual fee, apparently can call in for waiver. (Havent tried yet)
- customer service a bit blur not like Maybank more professional.
- x6 visit (i think can share with supplementary but confirm with bank).


Alliance Visa Infinite
- PPL international
- x2 visit only.
- I suspect Principal only no sharing with supplementary.
- 10K points convert to 1K Enrich (no airmiles mentioned). 15 March 2024 onwards 15K points convert to 1K enrich.
- first year free, annual fee RM 438 but waived if spend RM 12K p.a.
-Probably the easiest and most versatile card to collect points and widest PPL coverage.

Your annual income qualify you for UOB Privi Miles Elite. In terms of annual fee, if you are new to UOB, you get 3 years annual fee waiver. On top of that, if you go to UOB credit card sub-forum, apparently its quite easy to ask for SST and Annual Fee waiver.

In terms of multipliers:
HSBC - x8 overseas spend, 5x hotel/travel agency/airline, 5x dining,
UOB - x10 overseas spend, x5 Airline

Exclusions: (services no points)

Typically the more exclusions, the less points that you will obtain. Say for example, you have a big ticket item such as "Insurance" that you pay via Jompay or FPX, if it is part of the exclusion, you will get no points.

HSBC: cash advances, balance transfer instalment, card instalment plan, cash instalment plan, balance conersion plan,bill payment through HSBC online banking/mobile banking APP, Jompay transactions and FPX transactions; and/ or transactions at petrol stations, government related transactions, charitable/ngo transactions, quasi cash transactions (gambling/lottery ticket, wire transfer).

UOB: Balance Transfers; Easi Payment Plans; 0% Interest-Free Instalment Payment Plans; Flexi-Credit Plans; Refunded, disputed, unauthorized or fraudulent retail transactions; Premium for CreditShield or CreditShield Plus (defined in the terms and conditions for these products found on the website) or any other credit insurance; Cash withdrawals; Alimony and child support; Fines by Court, government, State authorities or local authorities;
Bail or bond payments; Payment to any government department; JomPay transactions; Financial services, gambling transaction or quasi cash; Charity bodies; and Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals, tax and any other form of service or miscellaneous fees using UOB PRVI Miles Elite Card.

Lounge Access

HSBC
- x6 entry
- can share with supplementary
- Lounge located in KL, Singapore and HK

UOB
- x8 entry
- can share with supplementary
- Malaysia, HK, Taiwan, Macau, china, Canada, Cambodia, UAE and Indonesia.

Point conversion

HSBC
21,000 points to 1K enrich

UOB
9,000 points to 1K enrich

Conclusion

I suggest you take Alliance VI. It has more (like a lot a lot more) lounge access, less exclusions, more multipliers. Downside is 15,000 points to 1K enrich and x2 entry for lounge.

To simplify things, there are two strategies for credit cards, either go full point collection or cash backs. If you take the middle route, you might end up paying more SST or your point collection may not be efficient.

Maybank cards no doubt has its strength but i find the number of categories of exclusion restricted my ability to collect points, previously using M2C Premier, I had a lot of payment made by jompay and fpx, which cause me to lose a lot of points. On top of that, they changed the flyermiles point conversion. Nevertheless, their lounge access is the best, credit line (both temporary [within 30 mins to an hour, emergency] and permanent) and customer service are also noteworthy.

Coming to UOB, one feature that Maybank does not have is that the points collected from any card can be used for redemption by a premium card for lesser points. What do I mean by this?

Say you have UOB World and Zenith cards. You have collected 15K points using your UOB World card and you wish to redeem enrich miles. Normally, you will need 15K points to 1K enrich for UOB World. However, you can choose to redeem it using Zenith Card, in which case the point conversion is 2.5K to 1K enrich.

UOB is not a great card, it has its shortcomings (like lounge access, multipliers, perks etc...) but at least i am collecting a descent amount of points.

I cut my M2C Premier. I think the rest is self explanatory.

Should match your spending habit against multipliers, consolidate your cards to max your point collection and see which card give you the most perks. Also, look at the fine print, some credit cards have a lot of exclusions that reduce your chance of point collection or requires you to transact differently.

Say for example, if eWallet reload gives you a multiplier x5, jompay/fpx transactions give you points etc... the

No doubt it is a good card but the requirements though:

Annual Income: RM 250K p.a
Annual Fee RM 1,215.09 (waiver is tiered 100% if spending is RM 240K above, 50% for 120K above).

The following activities excluded from point collection....

(a) Cash advances, cash withdrawals, cash deposits and/or betting or gaming transactions;
(b) Retail transactions in respect of purchases of petrol, diesel and any other purchases made at the petrol kiosk;
© Retail transactions which are disputed by the Cardholder;
(d) Transactions made using prepaid credit balance which is the amount paid into the Cardholder’s credit card account minus any amount used on credit by the Cardholder. For example, if a Cardholder’s original credit limit is RM50,000 and he/she uses RM10,000 from the credit limit and then pays RM30,000 into the credit card account, the balance of RM20,000 paid
(RM30,000 payment minus RM10,000 utilization) is the prepaid credit balance. If the same Cardholder does not use his/her credit card at all but pays RM20,000 into the credit card account, the RM20,000 is the prepaid credit balance;
(e) Payment of the annual fees or service charges, delivery charges, cash payments, card replacement fee, government service tax, dispute charges, fraud charges, interest/finance/profit charges/facility charges for CIMB Islamic Credit Card, cash advance fees, processing fees, or any other kind of fees and/or penalties whether imposed by CIMB or
otherwise;
(f) Instalment payment plan transactions;
(g) Auto billing / direct debit / recurring transactions (not applicable to Merchant Credit Card and e Credit Card)
(h) Payments to charity under designated MCC 8398-Charitable and social service organisations (not applicable to CIMB Preferred Visa Infinite-i Credit Card);
(i) Any government related payments under designated MCC below: -
9211 Court costs, including alimony and child support
9222 Fines
9223 Bail and bond payments
9311 Tax payments
9399 Government services
9402 Postal services – government only
9405 Intra-Government Purchases-Government only
(j) JomPAY, FPX and/or Duitnow QR transactions.
(k) E-wallet transaction under designated MCC 6540.

This post has been edited by aurora97: Mar 20 2024, 11:23 AM

use it, abuse it and get the best out of it. Also, depends on your spending ability and not get into debt. Make sure pay in full and don't let the banks get a dime.

Based on your response:

1. existing card: M2C Plat and UOB Cash Back

Response to #1: if point accumulation is the game, I probably would cut them up.

2. Your spend habits

Major expenditure : food (priority usage: CC > TnG > MAE), TnG ewallet reload due to toll usage
Online Shopping : Shopee checkout using Amex (average <RM200/month)
Monthly Bills : all paid via Amex if possible , else direct transfer payment from Bank account.
Mortgage : direct transfer
HP : direct transfer

Response to #2:

Monthly Bills : Most credit card don't allow Jompay. Some don't allow FPX. There are others don't allow autobilling. Prefer not to direct transfer, as this are free points. If there are those that allow FPX, you can pay direct at vendor or utility website. Check cards for exclusions especially on insurance, utilities.

Mortgage : don't think you can use credit card to pay.
HP : use autobiling/FPX

3. Priorities

1st priority: Generate airmiles/points/cashbacks from monthly insurance charges, 2nd priority: eWallet topup benefits (currently using TnG only but seeking advise if others should be used due to the recent 1% CC topup fee), 3rd priority: airport lounge access/travel benefits.

Response to #3:
There are two ways you can achieve this, either you use a combination of UOB cards (example UOB Privi Mile Elite + UOB World (ewallet capped at RM 300 and grocery capped ay RM 3K) or use Alliance VI (I think it will meet most of your needs).

I won't talk about local spend ya. This is a comparison between UOB Privimiles Elite vs HSBC T1 card

In terms of multipliers:
HSBC - x8 overseas spend, 5x hotel/travel agency/airline, 5x dining,
UOB - x10 overseas spend, x5 Airline

Exclusions: (services no points)

Typically the more exclusions, the less points that you will obtain. Say for example, you have a big ticket item such as "Insurance" that you pay via Jompay or FPX, if it is part of the exclusion, you will get no points.

HSBC: cash advances, balance transfer instalment, card instalment plan, cash instalment plan, balance conersion plan,bill payment through HSBC online banking/mobile banking APP, Jompay transactions and FPX transactions; and/ or transactions at petrol stations, government related transactions, charitable/ngo transactions, quasi cash transactions (gambling/lottery ticket, wire transfer).

UOB: Balance Transfers; Easi Payment Plans; 0% Interest-Free Instalment Payment Plans; Flexi-Credit Plans; Refunded, disputed, unauthorized or fraudulent retail transactions; Premium for CreditShield or CreditShield Plus (defined in the terms and conditions for these products found on the website) or any other credit insurance; Cash withdrawals; Alimony and child support; Fines by Court, government, State authorities or local authorities;
Bail or bond payments; Payment to any government department; JomPay transactions; Financial services, gambling transaction or quasi cash; Charity bodies; and Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals, tax and any other form of service or miscellaneous fees using UOB PRVI Miles Elite Card.

Lounge Access

HSBC
- x6 entry
- can share with supplementary
- Lounge located in KL, Singapore and HK

UOB
- x8 entry
- can share with supplementary
- Malaysia, HK, Taiwan, Macau, china, Canada, Cambodia, UAE and Indonesia.

Point conversion

HSBC
21,000 points to 1K enrich

UOB
9,000 points to 1K enrich

Conclusion

I would go for UOB Privimiles Elite, unfortunately it does not have access to Singapore Airport lounge though. That being said, everything you spend overseas, you get x10 points multiplier and UOB being a Singapore bank, ironically under the reward tab in the app, there is a lot of promotion for Singapore attraction and foods.

On Hong Leong Wise card...

Broadly, you get cash back for online spending (example: Lazada, Shopee, Grab etc... - the big names), groceries & essentials, petrol, dinning and others (all other categories - or non-defined merchants.

Above RM 500:
(a) weekday -1% cash back / weekend 8% cashback - capped at RM 15 for each category
(b) all other spend 0.25% cashback - unlimited

Below RM 500
flat 0.25% cashback all categories - capped at RM 1.25

Pro - large categories of cash back. SST can be waiver (I got offered 3 swipes)
Con - Min spend RM 500 and each category capped at RM 15 (maximum RM 60 for all categories). AF cannot be waived.

Visit: https://www.hlb.com.my/en/personal-banking/.../wise-card.html


Additional Note: Overseas Spend.
Effective 7 September 2023, a 1% fee will be charged for online transactions on websites hosted by overseas merchants. Visit www.hlb.com.my/mcc for more information.

This post has been edited by aurora97: Apr 9 2024, 10:20 AM

I believe you are referring to Affin Duo+ because the Affin Duo card has a condition that states"*Cash back is not applicable for government services transactions, charity related transactions, payment via JomPAY, online banking, FPX and Mail Order/Telephone Order (MOTO)", so unless you physically plan to go to the merchant (i.e. insurer) to pay or you play to pay with Affin Duo Mastercard, you won't be getting any cashback.

For purposes of discussion, I will benchmark against Affin Duo+

Had a quick glance of Affin Duo cards, general observation is that the universe can be separated into two, namely:

(a) cash back

3% cash back, capped at RM 100 or RM 50 depending on previous credit card balance of >RM 8,000 or <RM 8,000 respectively, government services and charity excluded from CB.


Source:
https://www.affinalways.com/storage/AffinAl...ric-TnC-ENG.pdf

(b) rewards programme.

Surprisingly, the reward programme is contained in a separate T&C.

3X AFFIN Rewards Points on Airlines, e-Commerce/online, Duty free, Hotels and Overseas transactions

The following, you don't collect any points:

a) Payments to Credit Card account;
b) Cash advance transactions;
c) All transactions at petrolstations;
d) All transactions related to utilities, government services or charities;
e) Funding transactions or E-Wallet reloads;
f) Monthly instalments i.e. 0% Easy Payment Plan (EPP), Cash-on-Call Instalment Plan
(CIP), Balance Transfer Instalment Plan (BTiP) and Easy Instalment Plan (EiPlan);
g) Disputed or fraud transactions;
h) Fees and charges debited to Cardmember’s account(s), i.e. annual fees,
finance/profit charges, late payment charges and any other applicable fees and
taxes; and/or
i) Any other exclusions as notified from time to time with twenty-one (21) days’ notice.

Source:
https://www.affinalways.com/storage/AffinAl...rds-TnC-ENG.pdf

Verdict:

The card boast very few exclusions but you have to juggle between cards for the in between (example petrol, utilities and eWallet). I might consider picking this card up in the future.

1. CONS:
(a) No CB or Points for Government Services & Charity. No points for Petrol, Utilities, Government Services, Charities, eWallet etc.. , I think i can live with this, as long as they don't cut out jompay and FPX, there are many naughty things I can do.
(b) No lounge access (no big deal, can use other cards).
© Point Multiplier and CB may be lower than its peers (but compensated with very few exclusions).

2. PRO:
(a) The card is surprisingly flexible with very few restrictions/exclusions for CB and point collection.
(b.) Enrich conversion, 14K points to 1K enrich. Not great but not too bad as well. (comparable to other credit cards offered by other banks: https://www.bankrakyat.com.my/d/kempen/camp...ign_Feb2024.pdf )

affin duo visa gives cashback for insurance, manual or auto-debit as well.

This is s true provided it's auto-billing (From T&C: 3% cash back on e-commerce/on-line, eWallet and auto-billing transactions. Cash back is capped at RM50 per month with the following conditionsfor AFFIN DUO Visa CashBack: ...) . If it's done via FPX or Jompay for affin duo, there will be no CB.

Source:
https://www.affinalways.com/storage/AffinAl...ric-TnC-ENG.pdf
https://www.affinalways.com/en/affin-duo


affin duo+ visa gives cashback for contactless transactions only. no exclusion to insurance.
True.


if you can pay insurance manually at insurance terminal (contactless up to rm250 without PIN), then still eligible for cb under duo+ visa.

Not quite?

Extract from T&C:

3% cash back for contactless transactions (transactions of RM250 and below) capped at RM100 per month with the following conditions for AFFIN DUO+ Visa:


exclusions to govt services, charity, jompay/fpx, moto applies to both sets of cards.

Not quite.

(a) Government services and charity - applies to both DUO and DUO+ visa and mastercard. The Mastercard Duo+ has contradictory terms and conditions.

Source T&C:

5.3 AFFIN Reward Points will be awarded on all retail transactions except for:
a. Transactions made at petrol station – MCC 5541 and 5542.
b. Government services and utilities transactions – MCC 9211, 9222, 9223, 9311, 9399, 9402,
9405, 4814, 4816, 4821, 4899 and 4900.
c. Transactions related to charity – MCC 8398.
This Clause is not applicable for AFFIN DUO Mastercard Rewards, AFFIN Mastercard Basic and AFFIN Visa Basic.

Source T&C Reward Programme (applies to MAstercard DUo & Duo+:

3.1.2 The following transactions will NOT earn AFFIN Rewards Points unless stated otherwise in
the respective Card product benefits/features per the Card Terms & Conditions:
a) Payments to Credit Card account;
b) Cash advance transactions;
c) All transactions at petrolstations;
d) All transactions related to utilities, government services or charities;
e) Funding transactions or E-Wallet reloads;
f) Monthly instalments i.e. 0% Easy Payment Plan (EPP), Cash-on-Call Instalment Plan
(CIP), Balance Transfer Instalment Plan (BTiP) and Easy Instalment Plan (EiPlan);
g) Disputed or fraud transactions;
h) Fees and charges debited to Cardmember’s account(s), i.e. annual fees,
finance/profit charges, late payment charges and any other applicable fees and
taxes; and/or
i) Any other exclusions as notified from time to time with twenty-one (21) days’ notice.


(b) JOMPay, FPX and Moto - VISA DUO only.

Source T&C:
5.4 Cash back for AFFIN Visa Signature and AFFIN DUO Visa Cash Back is not applicable for:
a. Government services transactions – MCC 9211, 9222, 9223, 9311, 9399, 9402 and 9405.
b. Transactions related to charity - MCC 8398.
c. Payment via on-line banking, JomPay, FPX and MOTO.

Affin Duo is enough but make sure you dont pay your insurance using FPX or Jompay. You need to do auto-billing. Otherwise, you dont get the CB.

To be honest, i think your application get rejected because you dont have source of income in Malaysia.

If you like certain cards, you can talk yo the bank to pledge some money in FD but you will be stucm to that limit (i.e. whatever your pledged in FD).

Minimum Spend for Annual Fee Waiver
SC Journey (60K), M2CP (80K), MVI (80K), AVI (12K) - I normally meet the minimum spend, I am not sure if you don't meet min spend, whether these banks will waive the AF for you.

Airmiles collection
My 2 cents worth, for the Airmiles game (though its shit now and harder to collect), either you focus all your cards with one bank (i.e. UOB, where you can use UOB World to collect and redeem using UOB Zenith, which has lower point requirements) or maintain one card (example: top tier cards like Metal cards, unfortunately, not everyone is Top 1% of T20).

Lounge Access
SC Journey Card (KLIA & KLIA 2), M2CP (global), MVI (Global), UOBPrvi (mainly Asia) and AVI (global). - SC Jouney and UOBPrvi have shitty lounge access. AVI on the other hand has too few lounge access, only x2.

Exclusions
Noted that you use "instalment plans", generally speaking instalment plans generally excluded from point collection. Also, quite common to see Jompay, FPX, petrol and online ewallet reloads excluded. You will need to read the fine print for this.

Conclusion

If you don't mind x2 lounge access globally, AVI should be cukup makan.

x8 online shopping transaction and ewallet (upto 3K, above that is x1)
5x grocery, overseas transactions and dinning
1x contactless transaction, entertainment, auto-biling and other retail transactions (For all instalment Payment Plan (IPP), Flexi Payment Plan (FPP), JomPay and FPX transactions, you will earn 1X TBP for every RM1 transactions.)

The problem with UOB is that:
(a) you need to get multiple cards to get the desired effect.

Example

UOB>
UOB World - x12 selected e-commence and ewallet reload (but limited) and x5 grocery but point exclusion includes utility, jompay, transportation, petrol, etc...
UOB Privimiles Elite - x10 overseas spend and x5 airline but exclude jompay etc...
UOB Zenith - x2 Overseas spend and x1 retain spend but exclude duitnowQR, Jompay, direct debit, catering and out-call food and beverage services, fees for education centers LOL??, childcare and special event.

In order to enjoy the benefit of UOB card, you need a few of them, different card have different purpose and multiplier then you need to know their exclusions and side perks... make sure you have damn kau good memory. Good thing is, so long as you accumulate points on any card, like UOB World you collected 10K points, you can redeem using UOB Zenith for 4.5K to 1K enrich instead of 14K to 1 enrich. The points can use across any cards. Also, i understand UOB will waive SST and AF, it's a big +.

Maybank>

M2CP - the benefits are alright especially the lounge access. Even the 7K points to 1K enrich is good. The real problem is your ability to collect the required points to make the conversion. x2 local spend, x5 foreign, x1 utility, education, EzPay and insurance. NO points for Jompay/FPX/Gov body. NO point for ewallet.

AMEX used to be the selling point, but they reduced the points from x5 to x2.

Points collected from say other Maybank cards cannot be used with other higher tier cards. Example if you are using M2C Platinum, you can't use the points collected and redeem using M2C Premier.

UOB World card has a severe capping limit for all the 12x or 5x points category that makes it not worth the difference for local spending

Depends?

For eCommerce and eWallet reload, the merchants are limited, capped at RM 300 per merchant for x12 and beyond that it is x1.
For Grocery, the supermarket also limited, capped at RM 3K for x5 and beyond that is x1.

Currently what I have and I think is the ideal combination:
Local spending - MBB VI
Overseas/FX spending - UOB Prvi Miles Elite (unfortunately I do not have the Zenith card)

MBB VI

Local spend - x2 (cap - Local spend (only x1), education, insurance, utilities, petrol, ezpay.)
Overseas spend - x5

No points for - Gov body, jompay, FPX, ewallet, membership reward, airmiles or cash back

Min spend RM 80K p.a. and get waiver of AF RM 800.

MBB VI RM 3.50 = 1 mile.


UOB World

As explained above on the point system.

No point exclusion - almost same except you get points for FPX and ewallet (limited)

Spend RM 48K and get bonus 125K points.

UOB World - 15K points to 1K enrich (125K conversion = 7K miles)
UOB PriviMiles Elite - 9K points to 1K enrich (125K conversion = 12K miles)

Conclusion:

UOB isn't the greatest card, you need a few cards that match your spending habits in order to achieve the highest point collection. Thereafter, you need to use premium cards to redeem those points (example Metal or Zenith), which have lower point requirements- i.e. 4.5K points to 1K enrich or 6.4K points to 1k enrich.

MBB VI has best PPL lounge access but the ability to collect point is sluggish and the annual fee can't be waived. Also, about the limit caps, it kind of difficult to bust the RM 3K cap a month, unless the person is big eater or have a big family. For me, I have a lot of big ticket items that I need to pay via FPX, which I dont get any points.

Also, if you split too many cards to collect points for Enrich, will you be effective in collecting points?