Hi all sifus, im trying to see if i can get a balance of cashback cc + air miles cc + online spending cc, total 3x cc as best-case scenario.

Thinking something like these combo:
1. CB credit cards = combination of UOB One + Standard Chartered + Hong Long Wise (Weekend).

2. For Air Miles = which cc would u recommend if want to collect points to redeem for cheaper flight tickes? Usually would go with either MAS or AirAsia, mainly MAS if travelling with families. Ideally 1 or 2 trip per year.

3. For online spending = so far I've research only Aeon CC that offers 2% cashback without any min monthly spending. Any other recco that I may have missed out?

Ideally, would be easier if there's one cc to swipe for everything then no need to calculate haha. I'm using SC now mainly because of ApplePay.

Please help recco on the above, thanks!

hi all, I've been reading around on airmiles and asking chatgpt for rough calculations.

seems like for an average joe, its almost impossible to gather airmiles in the normal way unless there's a 3x or 5x kinda promotion.

the rough calculations were - if for a family of 4 - example from KL to Tokyo:
- MAS airmiles required for economy return = 360,000 Enrich miles
- using Maybank 2 Card Premier as example, local spend RM1 = 2 Treats points
- conversion: 10K Treats points = 1,000 Enrich miles
- total spending required = RM1.8 mil needed

Is there something I'm missing out on? I think my overall expenditure per annum is about RM100K, seems super far off from the above haha.

can help to recco what air miles cc I should get based on the above? initially thought can redeem free business class but i guess not. im using alot of cashback cc but feels every month RM30-50 cashback like so little.