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This post has been edited by knight_kriss: Jan 30 2008, 04:19 PM
CREDIT Card Thread v2, Everything about the world of plastic
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Jan 30 2008, 04:15 PM
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Junior Member
377 posts Joined: Dec 2005 From: temerloh...bandar ikan patin |
![]() ![]() ![]() ![]() ![]() ![]() ![]() i interested with the deal but i dont which one to choose......can anyone help me This post has been edited by knight_kriss: Jan 30 2008, 04:19 PM |
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Jan 30 2008, 04:25 PM
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377 posts Joined: Dec 2005 From: temerloh...bandar ikan patin |
but cimb card give more rebates
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Jan 30 2008, 05:08 PM
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377 posts Joined: Dec 2005 From: temerloh...bandar ikan patin |
for me, i dont really care about the technology of the card rite now but i more concern on the benefit.......so which is more benefiacial???
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Feb 11 2008, 02:19 PM
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377 posts Joined: Dec 2005 From: temerloh...bandar ikan patin |
got it from Fwd email:
Currently there are a few petrol purchase related credit cards in the market. Lets do a detailed review or analysis on these few cards. Imagine spending RM300/month on petrol and getting a 3% rebate convert to a RM108 savings yearly!!!!! Ok ready, get set GO!!! BHP - UOB ( also available for SCB and Affin but i am not going to discuss about this ) UOB offers 2% cash rebate (redeemable after accumulate RM50) for both classic and gold card Use this card together with BHP E-points, 1 point for RM1 purchase of petrol and you can redeem RM5 for each 500 epoints you have. That convert to another 1% of rebate Therefore the total rebate for using UOB with BHP Epoint is 2%+1%= 3% Petronas - Maybank (Petronas VISA) Offer 5X treat points (TP) for every RM of petrol purchases. You need to spend RM1800 in order to get 9000TP which is redemable for RM50 (RM10X5 worth of petrol voucher). This convert to a rebate of 2.78% (RM50/RM1800). BUT 5X EXTRA POINTS IS ONLY VALID TILL 31 JULY 2008. Use this card together with Petronas Mesra Card, every RM1 purchase of petrol will get 1 mesra point. If you use RM7600 on petrol, u are entitle for RM50 cash voucher which is equivalent to another rebate of 0.66% Therefore the total rebate for using Maybank with Kad mesra is 2.78%+0.66%= 3.44% (THIS CALCULATION IS ONLY VALID TILL 31 JULY 2008 BECAUSE OF THE 5X POINTS PROMOTIN BY MAYBANK) - CIMB (Petronas Master) CIMB offers 2% cash rebate for both classic and gold card Use this card together with Petronas Mesra Card, every RM1 purchase of petrol will get 1 mesra point. If you use RM7600 on petrol, u are entitle for RM50 cash voucher which is equivalent to another rebate of 0.66% Therefore the total rebate for using CIMB with Kad mesra is 2%+0.66%= 2.66% Shell - Citibank Offers 1.5% rebate (classic card and assume no balance carry forward) while 2.5% rebate (gold card and assume no balance carry forward) Use this card together with Bonus Link Card, every RM1 purchase of petrol will get 1 Bonus Link point (there is bonus points structure too). If you use RM5200 on petrol, u are entitle for RM50 cash voucher which is equivalent to another rebate of 0.96% Therefore the total rebate for using Citibank Card with Bonus Link card is 1.5%+0.96%= 2.46% for classic and 2.5%+0.96%=3.46% for gold card Other Banks Please take note that RHB also has travel money points which offer 5X points for all petrol purchases on any petrol station. CONCLUSION:- If you can get classis card only, then I suggest you to use UOB (total 3% rebate). If you can get gold card, then go for Citibank (total 3.46% rebate). If you are too lazy to make payment (or it's really so inconvenient for you to make payment at Citibank or UOB), then use Maybank or CIMB bank. For the lazy bums, I suggest you to take Maybank (if you fancy the 5X treat points) else just go for CIMB... personally I think MBB and CIMB provides equivalent service... Hope this helps to summarize almost all of the petrol linked credit cards in Malaysia. Adios!!! |
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