I basically use credit card as cash. Meals, grocery, petrol, shopping, insurance all tied to Amex from maybank 2 cards. 5% cashback for all transaction on weekend, RM50 cap, that means u need to spend RM1k on that card to reach RM50 cap. Bad habit is you will start thinking everything is discounted 5% (which is not entirely false!)

I think its quite easy to hit RM50, some months u buy new gadget, some months you buy flight tickets, just do it in the weekends.

In one year, u get about RM600 in cashback not including sometimes Maybank do some cashback promo for Amex, like spend minimum RM1k overseas for RM150 cashback.

RM25 credit card tax easily settled, no bank fees - free for life. Not to mention the TREAT points you get to accumulate and exchange for 60" TV later

Besides, I hate having to withdraw cash from ATM, sometimes need to rugi RM1, why not go cashless and at the minimum gain points, and cashback.

Tbh..nope. Never try RM2, maybe like RM8 got la. I think some cashier also happy you use paywave, no need to deal with change, I also happy no need to deal with change. The person lining up behind me also happy the transaction was fast. Its a all-win sitiuation