actually we can stay in one thread rather than create so many version because now there is no limit on the post number in one thread.
keeping everything in one thread is easy to search for information rather than people keep asking the same question over and over again...

so you mean clean up and ask the same question and answer again, what about delete the whole V1?

Entitled for 6% PBVS CB:
Dining:
Papparich - IOI City Mall
New Restaurant Ipoh Chicken Rice - Mid Valley
Little Penang Cafe - IOI City Mall
Mcdonalds - Kajang Perdana
Pat Kin Pat Sun - IOI City Mall

Entitled for 5% PBQMC CB:
Dining:
Vibes Club - Jalan Tun Razak (I told my wife not to swipe clubbing for this card but end up PBB gave me CB for this as well )


Attached thumbnail(s)

you can't compare 5% + 5 X TP with 6%, TP is TP, not CB, they have mark up price to exchange for their products, you might get cheaper product elsewhere than from exchanging with the points.

With 6%, you just need RM833.25 to get the RM50 cap per month, while Maybank need to spend RM1000 in order to get RM50 cap per month.
If you said which card give you the most CB in Malaysia, i would say HLB Fortune with RM2400 per year, which means almost RM200 per month.
Don't forget this is the real cash which also provide you the FD interest if you didn't withdraw it or cover your credit card balance.
But this card is only 1% CB with cap RM50 per month but gives you RM2400++ per year vs RM600 mostly from every bank (of course we also got RM88 X 12 from MBBVS).
In conclusion, you can't compare % to %, you need to know which one provide you the best CB and benefit.

For me i spend with PBVS, PBQMC, PBQV, MBBVS, MBB2AM, MBB Ikhwan, HLB Fortune, CIMB CB and VS (both will cut soon due to CB TnC revised), Standard Chartered CB (for some promotion), UOB One (cutting soon after using more than 10 years), Citibank CB, Citibank PMVS (currently with 1% unlimited cap on foreign currency spending till 31 Dec 2017) + AEON Gold Visa + Ambank VI (still keep it although revised TnC) + HSBCVS (almost 6 cards with PPL free entries) for different benefits and purposes.

Just only for 2016 alone, i have get CB of RM3575.59 (almost RM2400 from HLB Fortune alone) from all this bank without calculating the TP and miles etc yet.
It's all depends on how you spend and how you manage to squeeze those benefits from different cards and turn them into discount or savings.

Updated: The total i have spend for 2016 is RM170,520,71, which means it is almost 2% CB for the entire year but what you can get from MBB FCB is only RM600 vs RM3575.59.
Most of the spending is from my company btw. i just buy hotel, air ticket and claim later

This post has been edited by tan_aniki: Oct 23 2017, 03:49 PM

Eligible for PBVS 6% CB:
Online:
LEM. PBGN INDUSTRI PMBINAKUALA LUMPUR MY (CIDB)

Not Eligible for PBVS 6% CB:
BMS Organic IOI City Mall

Eligible for PB Quantum MC 5% CB:
Dining:
Grand Imperial Casa Klang


Attached thumbnail(s)

now cidb renewal is online and collect when ready.
http://www.cidb.gov.my

Entitled for 5% Dining:
Mcdonalds at Aeon Cheras Selatan
Kim Gary at Times Square

Entitled for 5% Online:
Klook Apps
www.mytnb.com.my

Entitled for 6% Dining:
Orchid Bistro at Aeon Cheras Selatan

Entitled for 6% Online:
www.mytnb.com.my
www.turbojet.com.hk (FAR EAST HYDROFOIL)
www.starbucks.com.my (MOLPAY*BSCCSB)

This post has been edited by tan_aniki: Dec 5 2017, 10:08 AM


Attached thumbnail(s)

they make it capped lower at RM38 means i got RM200 less urge to spend on it

Beware when you pay to Digi apps. Earlier this month i paid RM184 and RM159 to Digi and then it appear 4 transactions on the same date with RM184 and RM159 to Digi and another 2 transactions to Lamkins Enterprise SG which i think is SGD184 and SGD159 because it was converted to Malaysia Ringgit. Please do always check online for any strange transactions else you are paying more than you pay for because of their system error. Anyway the issue has been resolved and both singapore transactions were reverted back.

i saw the post when changed RM60 cap to RM50 on 20 July 2015, someone just requested to changed statement date from 22 to 19 July in order to avoid the problem. Maybe you can change to 28 Dec 2017 because Feb sometimes max 28 days only.

they need time to buy the card and top up and deliver to u~

just request them to change the statement date to 28 Dec and thereafter 28 of each month to avoid such issue.

i tried to change my statement to 28 Dec 2017 but however they said unable to change to this month due to my statement already out once this month. Their system unable to send another statement on the same month. Therefore i have overspend RM200 for next statement CB...

it depends on the bank, even though i spend more than RM5k on Hong Leong CC also they don't contact me ever, same like PBB. I only pick up a call from Citibank once with a swipe overseas.

i don't think so... just think that you give a beggar RM12

even if you have wrote wrongly RM2,822 rather than RM2.822mil cash back based on 8.95% of retail which translate to RM31530.73 over the whole year, after deduction of RM50 max CB per month, where did the extra RM185.17 came from? Even if you have fully utilised Quantum Visa and MC max CB of RM60 and RM50 CB campaign swipe of RM50 for 8 x RM50 or more, where the hell of RM75.17 came from???

what i mean is average, the extra average number is totally out of the calculation
it's basically simple, just imagine he got RM50 from VS, RM30 from QV and RM30 from QMC and extra RM50 from the CB swipe campagin, the max CB per month is only RM160.

RM160 X 12 = RM1,920

Where did the extra RM2,822 - RM1,920 = RM902 came from???

This post has been edited by tan_aniki: Dec 26 2017, 04:35 PM

even if it is weekly, the campaign is only from 6 March to 30 July 2017 which is only max 21 weeks = RM50 X 21 = RM1050. Plus RM50 X 12 for VS, RM60 X 12 for Quantum = RM2,370, where is the extra RM2,822 - RM2,370 = RM452???

i didnt get upset, got almost RM4k cash back from HLB Fortune for 15 months and tons from PBB, MBB as well, just that i didn't realise those guys can trick those payment for Astro etc into several payment of RM50 each just to get those cheap cashback away from PBB. Maybe one day PBB found out and slowly squeeze out those campaign and they have just started from PBVS on Jan 2018.

don't forget there is a RM10 charges for AFT application, so that's only RM58 CB overall