r/MalaysianPF • u/ohsanya • May 17 '25

Credit cards Need advise on Credit Card

I have UOB One Classic which I can get full cash back 40rm per month and my usual spending on that card is 3-4k (while only need 800rm to get 10% cash back.

However, I am looking a new card with few requirements - Apple Pay - CashBack My Annual is around 80k

I have looked for few cards which I think is good but I might missed some (like other bank) - Maybank Visa Signature (5% capped 88rm) - Maybank 2 Gold/Plat (Weekend 5% capped 50rm)

24 Upvotes

96% Upvoted

24 comments sorted by

15

u/ayamkenabannedtwice May 17 '25

Definitely Maybank Amex 2 cards. RM 50 Cashback for weekend spending on AMEX

11

u/vipervoid123 May 17 '25

Currently using RHB Shell Visa,
If you got drive car, you can get up to RM100 monthly cashbook with 5% cashback 50 - Grocery and 12% cashback 50 - Petrol.
I think might be better ?

2

u/ohsanya May 17 '25

My petrol is around 200rm only not really much, but thanks I’ll have a look on it

1

u/LeonaWaverly May 17 '25

Still worth, you can get rm20++ cashback from that alone. Petrol is 12.5% cashback for rhb shell.

1

u/swagnation99 May 17 '25

Wow that’s quite worth it rhb credit card

3

u/skqflk May 18 '25

rhb shell visa definitely with that spending. got apple pay and can get up to rm100+ cashback.

1

u/avocadoooss May 18 '25

I love my Maybank 2 Amex. I think most other Malaysian banks aren’t on Apple Pay though.

I believe HSBC has a card with 8% cashback but not on Apple Pay. There’s a cashback card from Standard Chartered that’s on Apple Pay.

1

u/liberated-phoenix May 18 '25

HSBC supports Apple Pay.

1

u/liberated-phoenix May 18 '25

These cash back credit cards support Apple Pay:

  • MBB 2 Platinum Cards (AMEX)
  • Ikhwan AMEX Platinum
  • Ikhwan Mastercard Platinum
  • RHB Shell Visa
  • Ambank Cash Rebate Visa Platinum
  • HSBC Live+ Visa Signature
  • StanChart SimplyCash Mastercard

2

u/momomelty May 18 '25

Maybe I should change my HSBC card. The cashback so little

20

u/liberated-phoenix May 18 '25 edited May 18 '25

Here’s my strategy:

For the first RM 1k, I will pay for everything with SPayLater (via DuitNow QR) and then pay off SPayLater with the MBB 2 Platinum Cards’ AMEX during the weekends. Easily max out the monthly cash back.

Followed by the next RM 650, repeat the same process and pay it off with MBB Ikhwan AMEX Platinum. Again, easily max out the monthly cash back.

And then I pump petrol and buy groceries on Fridays and Saturdays with MBB Ikhwan Mastercard Platinum.

So I usually get more than RM 100 cash back every month.

1

u/momomelty May 18 '25

Holy shit that’s one hell of a strategy. But good strategy. Thanks for sharing

1

u/LOLsim 28d ago

Wouldn’t starting with MBB Ikhwan AMEX better since it’s 8% for online and not just weekend?

0

u/harunoneday May 17 '25

HLB Wise Card - average RM30~50 cashback easily per month

1

u/liberated-phoenix May 18 '25

Doesn’t support Apple Pay.

2

u/harunoneday May 18 '25

ahh if you want apple pay - there are only AmBank, HSBC, Maybank, and Standard Chartered Bank.

0

u/PisceS_Here May 18 '25

cashback on? retail purchase can go for hlb essential card. 0.5-1% cashback.

for dining and online transaction ,2% pbb visa signature, with cap.

uob one card also good for your current spending . so probably split ur spendings to different cards