May i know where to find genxgenygenz blogs? Is he still active? It seemed the usual blog already shifted to private website. Pls enlighten.

By the way, for those who are looking for good cashback cc, i would like to suggest:

1. Standard Charted Just One Platinium Mastercard
- Annual fee can be waived upon call, first year free
- Max 15% rebates on petrol, autobills including insurances, and utilities with expenses (capped RM85 per month)> 2.5k per month - for details pls visit their main website to understand
- SC procedures to apply quite takes time and more strict compared to others

2. HSBC Amanah MPower Platinium Visa
- Annual fee can be waived as long as u can achieve 12 swipes per year
- Max 8% rebates on petrol and groceries with min expenses (RM2001 and above)

3. Hong Leong Wise Gold Visa
- Annual fee cannot be waived except for first year but still worth as their cap per month is currently highest among all
- Max 10% rebates on petrol, utilities, telco and etc but only can choose 2 out of 9 categories - pls refer to their website and this 10% rebate only initiated upon spending of minimum of RM2001. Their monthly cap is the highest among all - RM100 which make it RM1200 per year. However, after u minus the annual fee of RM265, u still get rebate of RM935 per year which is RM78 per month. If u choose platinium, the annual fee will be higher.

I choose this 3 cards becoz the petrol rebates are not restricted to time and i can combine those benefits to suit my expenses which main on insurances, utilities, telco and petrol.

Just for sharing.

maxgenesis,

SC Just One Platinium Visa and HL Wise Gold/Platinium Visa matched ur criteria but with spending at least RM2.5k and RM2k above respectively.

Open for discussion in order to optimize benefits from ccards

1. Annual Income: RM50~60k (Self Employed and the income going to increase year by year)

2. Free Lifetime Annual Fee: Prioritize free

3. Card required for: Petrol, Insurance, eWallet Top Up

4. Existing credit cards (if any): MBB 2 Cards (Usually only use Amex for the cashback, used to Pay Telekom Bills and Telco), HSBC Amanah (monthly RM2000+ used for insurance and petrol, plan to cancel after they tweaked the benefits), HSBC Signature Visa (going to cancel), SCJOP (monthly RM2500+ used for utilities and insurances), Citi Clear Master and Citi Simplicity Visa (may cancel one and keep another as i have the highest credit limit with Citi), HLEssential (mainly insurances with monthly RM5k++)

5. Interested in CC from: Now aiming PBB Quantum (30 capped cash back), MBB Ikhwan Petronas (Petrol usage with 50 capped), MBB FC Barcelona and Alliance Business Master (2500 capped monthly with 1.25% rebate)

Basically, all these ccards are used when i worked in West Malaysia big construction company when i have annual salary of RM60~70k. After i have started by own business, it seemed all my application rejected except for SCJOP which was approved with min. credit limit. I have combined usage of all these credit cards with bigpay and so far so good. It just that few cards benefits tweaked and i foolishly cancelled HLB Fortune which i believed is the best cash back for high spenders. Please advice or give suggestion on how to get those new cards for my own business benefits. I did know we can pledge FD, but that will be my last resort.

Just for reference, i have some ploans (RM1500 monthly) and a car loan (RM800). As for ccards payment, i clear all monthly, only some months i delayed.

Thanks.

This post has been edited by jingiman: Jan 31 2020, 03:38 PM

Just my 2 cents, as i'm researching for the most suitable credit cards for me too. I have came across Alliance Business Platinium Card which offered 1.25% cash rebates for all transactions and capped at RM2500 per month, meaning if u spent RM200k or more, u will get rebate max at RM2.5k. Maybe for those additional spendings more than RM200k, you can mixed around with Standard Chartered Just One Platinium and PBB Quantum or HLB Essential (Unlimited Cash Back but at 0.4%).

Please refer to this post

Just for update, i have got my MBB FCB early of this year but Maybank had announced that their rebates will reduce to 1% only after August 2020. So, i think i will cancel it and go for Alliance Business Master (but their entry requirement quite high, so if there's anyone here know the trick, pls do let me know. ) If there's any better cards, please share to me. It seemed like all those good credit cards always been nerfed after few years..my bad.

Just in case anyone wish to get the alliance business card, yes it is indeed for businessman but with certain conditions in order to apply it. I can't get it as it requires you to take their facilities such as OD or PLoans. My bad.

Ya, indeed Barcelona better than essential. Will look into it again since i cant get the alliance business card.