It doesn't seem like there's any thread to discuss sign-up rewards. This can be one of the most lucrative part of having a CC (such that some people cancel cards just to wait out the 6 month period for re-application).

'Normal' rewards are luggage bag etc., but sometimes there are things like Lazada/Shopee vouchers, handphones, smartwatches, electronics etc.

What's the best CC sign-up reward you yourself have obtained? Including through ringgitplus/comparehero etc. website sign up?

Am planning to buy a laptop, which credit cards give extended warranty protection? Here's my list of cards:-

MBB - Maybank2Kard Amex only, Barcelona Visa Signature
PBB - Visa Signature, Quantum Master/Visa, PIB Islamic Master/Visa
UOB - YOLO
HSBC - Amanah Mpower
SCB - JustOne Platinum, Liverpool
Affin - Duo
OCBC - 365, CashFlo

This post has been edited by LostAndFound: Jul 21 2021, 08:56 AM

Yeah I got no issue finding cashback. Looking for any card with extended warranty.

Wrong question. If you ever regularly pay these fees you're using your cards wrong. Only rich people can afford to pay these fees. The rest of us better not have card rather than subsidise the banks.

Two ways of looking at it:-

1. What the bank earn from those defaulters they 'give back' to other customers through rebate. So if everyone pay on time we won't get any rewards.

2. Banks always want to encourage more spending, so the LESS people pay on time, the MORE they will give rebate to 'force' people to spend more.

I'm not in the industry so how I know. But I think 2 is possible at least.

Maybank Shopee card is useless because you can't get free shipping with it.

General CC always better, because can use for other things as well (e.g. ewallet reload).

Also is this your first month with OCBC Titanium? I am not a holder but I think their thread got mention the 0.9% comes later.

First question is why you have this habit? Your credit history will show everything you do regarding to CC, don't you think banks will take note?

I have not experience, but previously seen it posted in LYN that banks will consider your SGD income dollar-for-RM. So you probably don't qualify for that card. Doesn't make sense to me, but just what was previously mentioned.

The Quantum Visa can earn you cashback on items Visa Signature don't (wave RM30 an above, doesn't depend on type of spend unlike Visa Signature.

The Quantum Mastercard is practically useful for online, so if you spend above the RM633.33 cap for Visa Signature in a month, why not? Just need to see your usage pattern and plan accordingly.

The PBB Quantum Master and Visa Signature do not give any benefit for TNG reload (according to TNC), can check their threads for more details. Only Islamic Platinum does.

Affin Duo is a reliable one. Other than that can consider HSBC Amanah (they still have FCFS promo for RM15 cashback on TNG reload, but damn competitive at midnight on first day of month). Also can consider UOB YOLO (min spend RM600, 5% cashback but ewallet capped at RM15 so you need RM300 'other spend' to get 5%).

Not tried because I suspect its just ewallet....

'zero tax' not the same as 'not declare tax'

For contactless the Public Bank Quantum Visa card is pretty good I think. Quite hassle free as long as minimum spend RM30 per tap, capped at RM600 spend (RM30 cashback).

Dining you can consider the "10%" from citi cashback cards, but that one got minimum spend overall. And its very low cap generally.

For dining less than RM20, go for Citi Cashback Mastercard (not platinum)

The Citi Cashback Mastercard (not platinum) can be better

Subject to monthly >RM500

10% on dining capped at RM10 a month
10% on grabpay (only) capped at RM10 a month
10% on groceries capped at RM10 a month
10% on petrol capped at RM10 a month

So higher cashback rate at lower cap. For those who don't spend much (no matter what need to hit 500 also) can just dump the excess in an ewallet. Of course if able to spend 187.5 on dining and 187.5 on grocery per month on weekends Wise is better. But Citi is everyday.

You can view balance in bank B web portal (or app, not all bank got app though). Most banks also will send e-statement to your email.

Payment is a bit less convenient. In particular you cannot just automatically select 'pay statement balance' in bank A (because bank A don't know how much the balance).

Best practice is, save the CC number as a fund transfer target in bank A. Then when statement released (check amount in bank B or from email) just transfer to that account from bank A.

If you are the kind of consumer want to maximize repayment days, then for the transfer can set as future transfer (on statement due date, you may want to do it 2 days earlier so you can double check the funds are received, bank B don't care if bank A got problem, you still get charged).

IMO standing instruction to pay CC bill cross-bank is not very useful.

Firstly amount must always be input. This is obvious la, sure change month to month.

Secondly unless your statement date is first 10 days of the month, the due date is always different day anyway. If you're not worried about optimising interest free days then can just set a safe date of course.

With both together? May as well I just every month do scheduled transfer once.

General rule - not allowed to pay loan with loan (except special instrument like balance transfer etc). Banks aren't stupid, once you have a loan it is no longer discretionary spending di (you HAVE to pay it to avoid being charged insane interest rates). So they got no reason to encourage you to spend by giving you points/cashback. Those are reserved for discretionary spend (where you can choose to spend or not) which potentially can earn them money.

Hi all, this is my list of currently held cards:-
Maybank2Kard Platinum (Amex only)
Maybank Barcelona
Affin Duo Cashback Visa
Affin Duo Rewards Master
RHB Shell Visa
Citi Cashback Mastercard
HSBC Amanah M-Power
SCB JustOne Platinum
SCB Liverpool FC
Public Bank Visa Signature
Public Bank Quantum Visa
Public Bank Quantum Master
Public Islamic Bank Visa Platinum
Public Islamic Bank Mastercard Platinum
OCBC 365

Now I want to do a big swipe (Master/Visa only) of around 70k (ignore credit limit, that one can settle). Which card would give me the best rewards? Am I right to assume that OCBC 365 unlimited 0.5% would be the best? Would Public Bank points be worth more than 0.5%?

Sorry its an in-store transaction. And I haven't had Titanium since the good old 5% days =(