that's the t&c for cimb cr to get cashback for bill payment.

aeon+cimb, how u intend to do that?

this method is paying aeon cc via posonline portal.

and fyi, posonline disabled cc payment mode since early Dec. no news when they reenable back.

what other cards are you having? if u follow template, at least we can review and give proper recommendation

just top of my head...

maybank ikhwan Mastercard
maybank visa signature
public bank Visa signature
cimb cash rebate
hlb mach

where are you located?

if you are nearby Petronas Puchong-Sg Besi Bypass, go there on weekend.

buy petronas gift card, reload the gift card with mbb ikhwan petronas there. assuming your daily mileage of 120km consumes RM20 petrol per day, 5-day week is RM100 petrol worth. so, reload the petronas gift card for about rm100 per week usage or rm200 for about 2 weeks usage. at least the gift card credit can be used anyday.

caveats are:

1) only one petronas location so far reported allow cc to reload gift card. and also tng too. waze this >> Petronas Puchong-Sg Besi Bypass
2) reload on weekend, sat and sun. pump with gift card if needed on weekdays, pump at any petronas on weekends.
3) there is a surcharge when reloading gift card/tng card. if reload RM100, surcharge is 1% or RM1. reload rm150, surcharge is RM2 (rounded up). RM100+RM1 surcharge will be both charged to the card, and in return should get 8% cb for that amount (RM101).


add-on:

Petronas Hartamas got sell Gift card Rm100 with value RM105 inside card. cannot use cc to buy. use cash to buy this gift card first. upfront got 5% extra dy. then drop by Petronas Puchong-Sg Besi Bypass on future weekends to reload.

This post has been edited by cybpsych: Jan 15 2017, 07:40 PM

HLB Mach with Movie category: 10%

if you choose TrendSetter package (for Dining), you'd need to addon package for Movie (RM5 per quarter).
if you choose Social package (for Movie), you'd need to addon package for Dining (RM5 per quarter).

choose which package is more suitable for you, then addon the rest.

propose post #2 template to be enhanced to include average monthly spending for each spending category so that better/appropriate card(s) can be recommended that suits the user...

example from inquiries at post #81...

kindly follow template from post #2. it helps other ppl easier to recommend accordingly, e.g. annual income range, avg monthly spend, which category/type of spending (if any besides Mobile), what existing card you having now, what cards you're interested (i.e. what homework/research you've done but unsure), etc.

can la, anyone can apply ikhwan petronas visa. i got both ikhwan cards.

depends on whether u have petrol brand allegiance or not. if u dont mind using Petronas, then ikhwan visa petronas of course better choice in terms of rebate %.

do have have any other income that can boost your annual income >RM100k? e.g. EA Form with pay+bonus?

you can try PBB VS which has more flexibility to pay mobile/utilities via online. 6% cashback for dining/online/grocery, no minimum spending.

PBB VS 6% cashback for Grocery/Dining/Online. capped RM50 cb per statement month (~RM833 spending). if need more cb, apply supp card with separate statement. max RM50 cb will be separate for each card. no min spending for cashback, shift your Utility/Grocery/Dining (if any) to this card. AF waived with 12 swipes per anniversary year.

MBB Mastercard Ikhwan 5% for Grocery/Petrol during Fri/Sat only. capped RM50 per calendar month (RM1000 spending).

MBB Visa Ikhwan Petronas 8% cashback for Petronas during weekend only. capped RM50 cb per calendar month (RM625 spending). get this if you have no loyalty to petrol brand and able to wait to pump during weekend Sat/Sun. if cannot wait, can purchase Petronas Gift Card and reload at Petronas @ Sungai Besi-Puchong Bypass station. use the Gift Card on any days but troublesome to go to this station to reload during weekend, especially you're not near this area.

This post has been edited by cybpsych: Feb 13 2017, 07:19 AM

get PBB VS first, if you can bump the annual income to RM100K

PBB VS 6% cashback for Grocery/Dining/Online. capped RM50 cb per statement month (~RM833 spending). if need more cb, apply supp card with separate statement. max RM50 cb will be separate for each card. no min spending for cashback. AF waived with 12 swipes per anniversary year.

MBB Mastercard Ikhwan 5% for Grocery/Petrol during Fri/Sat only. this is not weird because of certain states' "weekend"

or get

MBB Visa Ikhwan Petronas 8% cashback for Petronas during weekend only. capped RM50 cb per calendar month (RM625 spending). get this if you have no loyalty to petrol brand and able to wait to pump during weekend Sat/Sun. if cannot wait, can purchase Petronas Gift Card and reload at Petronas @ Sungai Besi-Puchong Bypass station. use the Gift Card on any days but troublesome to go to this station to reload during weekend, especially you're not near this area.

quoted from PBB VS thread.

to waive AF, swipe 12x for each card

for Petrol, do u mind Petronas? then get MBB Ikhwan Visa Petronas. 8% cashback if spending at Petronas on Sat/Sun.

if possible, get the quad-MBB cards: M2Cards, Ikhwan Mastercard and Ikhwan Visa Petronas.

upcoming m2cards revision will be 5% on every spending on Sat/Sun. pending T&Cs to confirm details. ETA 15 March 2017.

Utilites, how much do u spend on utilities each month, on average?

different card, different features.

why did you apply amex ikhwan?

not useful for those die-die don't pump petronas la

he mentioned petron.

got one from Public Bank

https://www.pbebank.com/Personal-Banking/Ca...redit-Card.aspx

http://www.petron.com.my/web/Media/uploads...ess_Release.pdf

must be here kot

https://ringgitplus.com/en/credit-card/UOB-...MasterCard.html

of course already expired. some sites out there are outdated, and users may get confused

just realized OCBC 365 MasterCard has 4 good features:

1) 1% rebate on monthly spend up to RM1,000. very good for small-ish amount like monthly Insurance or dan-lain-lain items.

2) No annual fee for the first 3 years. **Only applicable to first time OCBC Credit Card customers and customers who last held an OCBC Credit Card more than 12 months ago.

3) Acquisition Promo, RM88 Cash Rebate (1645 units only) if approved during the Campaign Period and activated within 30 days after approval.

4) Annual Income: At least RM24,000 per annum, which is quite accessible for freshies.

yes, but limited to first 1645 units only. not sure if ocbc can tell upfront during application if still got chance or not.