Doing some research on the best cash back credit card available and this is the Top 3 in my list.
OCBC Titanium Card
– 5% Rebate on dining
– 5% Rebate on groceries
– 5% Rebate on petrol
– 5% Rebate on utility bill
– 1% Rebate on everything else
– Zero annual fee with 12X swipes
– Spent more than RM10,000 per year to offset your Government Service Tax
– 33% cash back on interest paid
– Rebate up to maximum RM50 per month or RM600 per year
– Annual usage bonus
Citibank Cash Back Platinum Credit Card
– 5% Rebate on Petrol (up to RM600 total spend per month)
– 2% Rebate on pharmaceutical (Watsons & Guardian)
– 2% Rebate on groceries (Giant, Carrefour, Tesco, Cold Storage, Everise, Servay, Econsave, Mydin)
– 2% Rebate on phone bills (Maxis, DiGi, Celcom)
– 0.3% Rebate on everything else
– Rebate will only credited to account after the amount had accumulated up to RM50
– Petrol rebate capped at maximum RM30 per month
Alliance Bank You:nique Credit Card
– Monthly cash rebates up to 2% on all retail purchases, without any restrictions on petrol, groceries or specific merchants. This is truly a one-of-a-kind rebate card for anything, anytime, anywhere
– Enjoy 0% interest immediately on your spending for the first 3 months. No interest is charged during this period no matter how much you spend
– Simply swipe 12 times for any amount within 12 months to enjoy automatic annual fee waiver
– Make a statement by putting an image of your choice on your Credit Card. With the all-new Alliance You:nique Picture Card service, we let you decide what your Card looks like
– Finance charge is only 9% p.a. for the first 12 months, and thereafter it is subject to your payment behavior in accordance with Bank Negara tier interest guidelines. If you consistently make minimum payment every month, the finance charge remains at 9% throughout the tenure of the card
– Government Service Tax can be rebated by using 10,000 point
– All local and overseas retail purchases except petrol and government agencies will entitle you to 2X rewards throughout the tenure of the card, not just during promotional periods. Your TBP do not expire and you can redeem whenever you like, with special redemption privileges and discounts from time to time
I’m heavily using Citibank Cash Back Platinum now. Thinking to change to OCBC Titanium. The cash back % offered is really attractive.