There's also a min fee for cash advance facility.
RM 25 min fee right?

Apply for both if qualified.

For cash back on groceries and petrol, you may want to consider Maybank Ikhwan.

https://www.maybank2u.com.my/maybank2u/mala..._gold_card.page?

It'll become EzyPay Plus instead of EzyPay and normally it's not 0%.

There's a promo for EzyPay Plus at 3% pa ending 30/9/2020:
https://www.maybank2u.com.my/maybank2u/mala...y-plus0820.page

The default rate is at 9% pa:
https://www.maybank2u.com.my/maybank2u/mala...zypay-plus.page?

This post has been edited by GrumpyNooby: Sep 15 2020, 06:42 PM

AFAIK, EzyPay is usually done by during point of sale at merchant side (using merchant terminal).

Credit card spend about doubles from April to July

KUALA LUMPUR (Sept 30): The amount spent by Malaysians domestically via credit card nearly doubled to RM10.205 billion in July this year, from RM5.3 billion three months earlier in April.

Compared with the RM10.26 billion recorded in July last year, it appears that the level of credit card spending has returned to almost the same level seen before Covid-19. In contrast, local cardholders spent RM9.4 billion in July 2018, and RM8.5 billion in July 2017.



https://www.theedgemarkets.com/article/cred...-april-and-july

Credit score is only telling one part of your story.

The other part of the story is your income which when you submit your income proof documents such as payslips, EA/BE form and/or EPF statement.

UOB YOLO: cash back based on spending in calendar month. (eg. spent on 1st ~31st Jan, will get Jan c/b quota max RM30)
-> But there's a FCFS pool. Cash back will be credited by mid following month (not statement date)

Affin Duo cash back VISA: cash back based on spending in calendar month. (eg. spent on 1st ~31st Jan, will get Jan c/b max RM80)
-> Should be based on statement month. Cash back will be credited back on statement date
-> Be careful on the posting date too.


PBB Quantum MASTERCARD: cash back based on transaction posted date as per statement cycle. (eg. let say Statement date 25th Jan, for transaction posted between 26/12 ~25/1 will get Jan c/b max RM30)
-> Statement month and will be credited on statement date for posted transaction

This post has been edited by GrumpyNooby: Oct 23 2020, 10:46 AM

It depends on your instruction given in the form during application.
But some bank insists for collection at the nearest branch for NTB cardholder.

Yes.
And ask this in PB thread next time.

This post has been edited by GrumpyNooby: Oct 28 2020, 04:52 PM

Public Bank has several good credit cards.
There's no good (best) or bad credit card.
It is back to your spending behaviour.

Not necessary to stick with PB.

True but BigPay top up to BigPay has been limited to RM 1k per month only.
Worth to pay RM 6 for RM 1k withdrawal at ATM?
Alternatively, you can do bank transfer to designated bank account with 50 sen fee.

As many as you could "afford" based on your income and allowable DSR.

Maybank

Feedback for Citibank from Citibank thread:

It's called cross border charge/fee.

More details:
https://forum.lowyat.net/index.php?showtopi...hl=cross+border

This post has been edited by GrumpyNooby: Nov 20 2020, 03:25 PM

What you meant by better credit card from my business?
Better in what sense?

AmBank True, UOB YOLO

Of course will.
If you don't pay min payment, you'll be slapped with late payment charge too.