What is the best bank + wallet + card combo these days?

Requirements
1. Convenience: I want to save time by visiting ATMs less frequently.
- I no longer want to deal with paper cash and ringing coins
- QR code scanning and NFC payments have been effective solution so far

2. Perks & Benefits: I want to be rewarded for both saving and spending my money.
- I don't want inflation to erode my savings
- Cashback, rewards, and higher interest return are essential

3. Credit Card: I want seamless payments at my fingertips.
- Alternate and reliable form of cash
- Handy during shopping and travelling

Issues Faced
- Not all places accept credit cards.
- E-wallets are imposing fees on credit card top-up.
- E-wallets are setting limit on transferable funds.

E-wallets provide convenience, but lack perks and benefits.
Credit card offer the perks and benefits, but lack convenience.


What's the best combination to use these days?

your dream combo doesn't exist. however i can tell u that shopeepay can still topup FOC credit card for now

This is one of the issue I am facing now.
Good thing the Shopeepay doesn't charge for credit card top-up.
However, some stall vendors are using personal QR code instead of merchant QR code.
This meant the fund in shopeepay is stucked.
The limit of transferable funds is putting us off.

i go for cash back, RHB, UOB , and PBB credit cards good for me
just got RM1800 x2 from UOB campaigns
RM1500 from RHB
PBB lots of small CB RM30, 50, 80, 120 almost monthly
the rest smaller amount Affin, Alliance ,Ambank, SCB, Aeon

wow, what did you swipe for

Bookmark. Want to know too

Real Sifu for all of us

All in multiple places 💪🙏💪

Fantastic strategy. I'm just wondering how do you pay for shops that don't accept credit cards?

i keep my cash, use banks money.
anything that accepts cards
daily expenses, bills, insurance, tour,
investment , loan and whatever is there take

check out cc threads


all the cards i used have cashbacks, no CB must have interest free loans
or something else if not i cancel them



Attached thumbnail(s)

EW, dont accept walk off......just jokin

one of the legit way for small amount money
play shopee coin daily ( sometime i tend to forget )
topup shopee pay using your alliance visa infinite card
setel topup using shopee pay and shopee coin
then setelpay to pay for QR payment

big money jus direct top up touch and go and boost


This post has been edited by chong6998: Feb 9 2025, 08:18 AM

It also depends on your average spending in the various category. Most cash back will have a limit per month and / or some condition of use on a particular day, category of business, usage method, etc etc.
As for the ewallets, the sustainable way is to find a way to move forward by paying for the service. Unless you transfer via cash from bank account, there will be a limitation on the transfer.

i can't get the reason to use shopeepay -> setelpay.

why not straight use shopeepay instead??
since they accept Duitnow QR.

Which loan or investment can be done using credit cards?

What are those GHL and PSS transactions for?

you have enough hints there with BT
EW washing

people doing the mining already pmed me
dont cause the loopholes to be closed
so find it out yourself!