I am comparing between Mach Credit Card (with TrendSetter package) with Public Bank Quantum MasterCard, in terms of 5% Cash Back on Dining transactions.

1) Which credit card will have higher chance of getting 5% Cash Back on Dining transactions?
- For example, we know for sure that it is a dining outlet. But, the bank refuses to recognize it as a dining outlet, and will not give 5% dining Cash Back. For that, I would probably avoid using the credit card by this bank.

2) For both credit cards, is the dining cashback solely based on MCC eligibility?

Between these 2 cards, I want to choose the best dining cashback credit card. Thank you for your advice.

1. Annual Income: RM60K.

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: Reload BigPay, and TnG eWallet.

4. Existing credit cards (if any): Maybank 2 Card Amex, Maybank MasterCard Ikhwan, Public Bank Quantum MasterCard.

5. Interested in CC from: None.

6. Others: None.


Thank you very much for your suggestion.

This post has been edited by kart: Jul 24 2022, 08:30 AM

Thank you very much, adele123.

I would choose Public Islamic Visa, because it is easier to earn online cashback for reloading eWallets.

1. Annual Income: RM60K.

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: Reload GrabPay and other eWallets, and pay utilities (such as TNB electricity bill).

4. Existing credit cards (if any): Maybank 2 Card Amex, Maybank MasterCard Ikhwan, Maybank Amex Ikhwan, Public Islamic Visa (which will be cancelled soon, due to the reduction of online cashback from 4% to 2%).

5. Interested in CC from: None.

6. Others: None.


Thank you very much for your suggestion.