Friday, June 27, 2014

Save Money on Expensive Klang Valley Mall Parking

Malaysians absolutely love spending time in malls. And who can blame them? With the scorching heat of “El-Nino” descending upon Malaysia, even a simple five minute stroll can result in you looking like you just smeared yourself with saline solution (think clean now). Unfortunately, some malls (like the ones on this list) come with parking rates that will make you wish you chose to walk instead of drive. How expensive are some of the parking rates on this list?
How about RM3 per hour with absolutely no maximum limit? Isn’t that crazy??
But don’t panic…. Because at Save Money, we are dedicated (or in this author’s case – “obsessed”) with creating innovative ways to help regular Malaysians (like yourself) save more of your hard earned money.
Hence why we’ve painstakingly compiled a comprehensive list of the most expensive malls to park at in the Klang Valley and provided you with (legal) solutions on how to beat them. So don’t start driving off, read on and you might just save a few ringgit the next time you go off on a shopping spree.

Meet the Perpetrators

1. Suria KLCC

What will you find there?
Besides the main anchor stores like Isetan, Cold Storage and Parkson, the mall also contains a wide variety of other retail and restaurant outlets. In addition, the mall also serves as a connection between the ever important Kuala Lumpur Convention Center and the Kelana Jaya-Gombak LRT line.
Worried about satisfying your creative side? Then visitors can either check out the creative doodles on display at the Petronas Art Gallery or learn more about science at the Petrosains interactive science discovery center.
What is the parking rate?
Monday to Saturday1st hour – RM 4
2nd hour – RM 3
3rd hour – RM 3
Every subsequent hour – RM 4
Maximum Rate of RM 10 on Monday to Friday between 5pm and 5am
Saturday (after 12 noon), Sunday & Public HolidaysFirst 3 hours – RM 4
Every Subsequent hour – RM 4
Lost Ticket: RM 50
Why is this parking rate so crazy?
There is absolutely no limit (unless otherwise stated above) on how much you can get charged for parking at Suria KLCC. Imagine going for an all day business conference at the Kuala Lumpur convention center from 10am till 5pm. Doing the math, that means that you will have to leave your car parked for 7 hours at minimum. Multiplying lucky number 7 with the rates above and we arrive at a grand total of RM26.
What can you do with RM26? You can leave your parked for 8 nights at TBS Bus Terminal and still have RM2 to spare for a cup of coffee (oh snap!).
Cheap Parking Near Suria KLCC?
The AmBank at Jalan Yap Kwan Seng (which is a 3 minutes walk from Suria KLCC) has an adjacent open air parking lot offering an all-day rate of RM7. RM7 might still sound a tad bit expensive to some people but if you plan on parking all day (like in the example above), then paying RM7 is a lot better than RM26 but you’ll have to work those Balenciaga mules a little further (but then if you can afford authentic Balenciaga mules then you most likely can afford RM26 parking!).
Conversely, the Bangunan Getah Asli (Menara), which is directly across the street from the Suria KLCC has a flat per entry rate of RM3.50 on weekends and public holidays (effective Jan 2014). However, parking at the Bangunan Getah Asli is extremely limited.
If you’re seriously desperate and completely out of options, the neighboring Menara TA One offers a flat rate of RM10 per entry. RM10 is still less than RM 26

2. Berjaya Times Square

What will you find there?
Berjaya times square has basically everything you will find in Sungei Wang and…(wait for it)….a theme park. The Berjaya TImes Square Theme Park (10-points for creativity on the name) is currently one of Asia’s largest indoor theme parks. What better way to hide from everyone’s favorite pal “El-Nino” than to run around an indoor theme park after stuffing your face with McDonald’s?
Jokes aside, the Berjaya Times Square Theme Park is so stacked with rides and games that any 8-year old child in the immediate vicinity feel like his world was made complete.
What is the parking rate?
Monday to Friday1st hour – RM 2.50
2nd hour – RM 2
3rd hour – RM 1.50
Every subsequent hour – RM 1
Maximum Rate of RM 8 on Monday to Friday
Saturday, Sunday & Public Holidays1st hour – RM 3
2nd hour – RM 2.50
3rd hour – RM 2.50
Every subsequent hour – RM 2
Maximum Rate of RM 11 on Saturday, Sunday & Public Holidays
Lost Ticket: RM 50
Why is this parking rate so crazy?
Let’s do the math…
In order to benefit from the maximum rate of RM11 on weekends and public holidays then you will have to park your car for….
3 + 2.50 + 2.50 + 2 +2 = 12 > 11
….at least 5 hours at a time.
If you’re a parent sitting on the side while your son/daughter flies around on a roller-coaster then you would probably benefit greatly from this. Unfortunately, everyone else heading over the Berjaya Times Square might not be so happy to see the parking rates (maybe a visit to the theme park might turn that frown upside-down?).
Cheap parking near Berjaya Times Square?
The Sun Complex which is directly across the street from Berjaya Times has a flat rate of RM 5 per entry on weekends and public holidays. Take caution however, as parking in the Sun Complex is known to fill up quite fast.
Alternatively, if you really hate the sun (because you’re a moon – and we apologise for the lame pun) then you can also park at the Wisma SPS which has a really cheap flat rate of only RM4 if you park after 4pm.

3. Pavilion & Starhill Gallery

What will you find there?
At Pavilion, you will find self-entitled rich yuppies who enjoy bragging about the “affordability” of the parking rate at Pavilion. Just kidding. In all honesty, Pavilion isn’t just another mall for the higher income group of the Klang Valley. The mall actually boasts over 450 different retail, service and F&B outlets.
Starhill Gallery mall, which is located across the street from Pavilion, can be imagined as Malaysia’s answer to 5th avenue in New York City. Never been to 5th avenue? Well think designer brands like Dior and Louis Vuitton all crammed into a building that looks like something from Aeon Flux.
What is the parking rate?
Monday to Sunday and Public Holidays (7am to 5pm)
RM 3 per hour
Monday to Friday (5pm to 7am)
RM 8 per entry
Saturday, Sunday and Public Holidays (5pm to 7am)
RM 10 per entry
Lost Ticket: RM 50
Starhill Gallery
Monday to FridayRM 3 per hour
Monday to Friday (after 6 pm)RM 7 per entry
Saturday, Sunday & Public HolidaysRM 10 per entry
Lost Ticket: RM 50
Why is this parking rate so crazy?
Pavilion’s parking rate of RM 3 per hour with no maximum cap limit makes it one of the most expensive malls to park at in the Klang Valley. Include the grimy road congestion around Bukit Bintang and you potentially have a nasty recipe for disaster (or at least mild mental breakdown).
The only good news for people who want to park at Pavilion is that the mall has a lost ticket charge of RM50, so if you parked for at least 16 hours and 20 minutes then you should probably just rip your ticket up and pretend you lost it. But then; what would you be doing in Pavilion for 16 hours and 20 minutes?
Cheap parking near Pavilion & Starhill Gallery?
fahrenheit 88
The Fahrenheit 88 mall on Jalan Bukit Bintang lies directly adjacent to the Starhill Gallery. On weekdays, the mall offers a parking rate of RM4 for the first two hours and RM2 for every subsequent hour. After 6pm on weekdays, the mall offers a per-entry rate of only RM6.
On weekends, the mall offers a rate of RM6 for the first 3 hours of parking with a charge of RM1 for every subsequent hour after that.
Alternatively, the neighboring Menara Standard Chartered offers a per-entry rate of RM5 after 5pm on weekdays and all day on weekends. Take caution however, as the parking lot at Menara Standard Chartered tends to fill up fast during peak hours.

4. Jaya 33

What will you find there?
Located at the corner of Jalan Semangat and Jalan Kemajuan, the Jaya 33 mall is home to one of the largest True Fitness gyms in the Klang Valley. Whether you’re a power-lifter, cardio-freak, yoga-pants abuser or just that guy who really needs to look at something other than a computer screen, True Fitness Jaya 33 is an awesome place to work up a good sweat.
Besides the True Fitness gym, Jaya 33 is also home to the Jaya Grocer supermarket chain. Jaya Grocer is essentially the supermarket for hipsters. In this intimate little supermarket, you’ll find loads of imported products like Three Musketeers chocolate bars and Kraft Macaroni and Cheese.
What is the parking rate?
Monday to Friday (6am to 6pm)
RM 3 per hour
Monday to Friday (after 6 pm)
RM 3 per entry
Saturday, Sunday and Public Holidays
RM 3 per entry
Maximum per Day: RM 39
Why is this parking rate so crazy?
If Jaya 33 had a variety of retailers and restaurants to rival other malls on this list then this insanely expensive parking rate might be somewhat justifiable. Unfortunately, other than to Jaya Grocer and/or True Fitness, there is honestly little reason to even bother paying Jaya 33 a visit.
Cheap parking near Jaya 33?

The newly launched Jaya Shopping Center across the street from Jaya 33 has a significantly cheaper parking rate of only RM1 per hour for the first 3 hours. Plus, if you show up after 6pm, you can enjoy a cool flat rate of RM2 per entry. In fact, while you’re in the facility, why not shop at Cold Storage and grab a quick bite at Chili’s?

5. Nu Sentral

What will you find there?
If you don’t own a car, then the Nu Sentral mall is the perfect place for you to visit on the weekends. Located next to the busy KL Sentral transportation hub, the Nu Sentral mall can be easily accessed via either the KTM, LRT, KLIA Transit or KL Monorail.
The Nu Sentral mall does have the potential to outshine behemoths like Pavilion and Suria KLCC. Unfortunately, despite the mall’s soft opening back in march, parts of the Nu Sentral mall still remain vacant or under construction.
What is the parking rate?
Monday to Sunday and Public Holidays
RM4 per hour
Lost Ticket: RM 50
Why is this parking rate so crazy?
If you thought that the rate of RM3 per hour at Pavilion mall was daylight robbery, then Nu Sentral’s rate should be considered a public hijacking. To top it off, (as of June 2014) most of Nu Sentral isn’t even filled up yet so essentially you’re paying RM 4/hour in parking fees for…….a semi-vacant mall?
Cheap parking near Nu Sentral?
It’s fun to stay at the YMCA….
And apparently in this case, it’s also fun to park at the YMCA. The Kuala Lumpur YMCA offers a parking rate of RM3 for the first hour and RM2 for every subsequent hour.

6. Ampang Park Shopping Center

What will you find there?
Don’t let Ampang Park Shopping Center’s dated exterior scare you away. The Ampang Park Shopping Center, which opened back in 1973 is technically Malaysia’s first ever modern shopping complex as verified by the Malaysian Book of Records. So while the mall might not have the majestic structural design of other popular haunts like the Curve and 1Utama, the locations remains as an attractive hot-spot for Malaysians.
What is the parking rate?
Monday to Saturday (before 5pm)RM3 per hour
Monday to Saturday (after 5pm)
RM4 per entry
Sundays and Public Holidays
RM4 per entry
Lost Ticket – RM25
Why is this parking rate so crazy?
For a rate of RM3 per hour, parking at the Ampang Park Shopping Center is right on par with Pavilion and Starhill Gallery. Unfortunately, Ampang Park does not (and probably will never) have the repertoire of outlets to even compete with those malls.
Cheap parking near Ampang Park Shopping Center?
The G Tower (also known as the G Tower Hotel) on Jalan Tun Razak is approximately 4 minutes walk from the Ampang Park Shopping Center. The G tower offers a parking rate of RM2 for the first hour and RM3 for every subsequent hour.
On weekends, the location offers an awesome per entry rate of RM3.

Did We Miss Anything?

Are any of the parking rates in this article out of date? Do you (valuable member of the Save Money community) have a cheaper solution to help other people dodge some of the rates in this article?
Or maybe you might know of another shopping mall in the Klang valley with expensive parking? (that we might have forgot to mention).
If you do (and even if you don’t), leave a comment below! But whatever you do – don’t park like this ‘winner’ here.
parking - nailed it
Rate for first hourRate for first 3 hoursSpecial Rates
Suria KLCCRM 4RM 10Maximum Rate of RM 10 (weekdays after 5pm)
Rate of RM 4 for first 3 hours (weekends)
Berjaya Times SquareRM 2.50 (weekdays)
RM 3 (weekends)
RM 6 (weekdays)
RM 8 (weekends)
Maximum Rate of RM 8 (weekdays)
Maximum Rate of RM 11 (weekends)
PavilionRM 3RM 9Per-Entry Rate of RM 8 (weekdays after 5pm)
Per-Entry Rate of RM 10 (weekends after 5pm)
Starhill GalleryRM 3RM 9Per-Entry Rate of RM 7 (weekdays after 6pm)
Per-Entry Rate of RM 10 (weekends)
Jaya 33RM 3RM 9Per-Entry Rate of RM 3 (weekdays after 6pm)
Per-Entry Rate of RM 3 (weekends)
Nu SentralRM 4RM 12None
Ampang Park Shopping CenterRM 3RM 9Per-Entry Rate of RM 4 (weekdays & saturdays after 5pm)
Per-Entry Rate of RM 4 (sundays)

Friday, June 20, 2014

20 Things a mother should tell her son.

1. Play a sport. It will teach you how to win honorably, lose gracefully, respect authority, work with others, manage your time and stay out of trouble. And maybe even throw or catch.

2. You will set the tone for the sexual relationship, so don’t take something away from her that you can’t give back.

3. Use careful aim when you pee. Somebody’s got to clean that up, you know.

4. Save money when you’re young because you’re going to need it someday.

5. Allow me to introduce you to the dishwasher, oven, washing machine, iron, vacuum, mop and broom. Now please go use them.

6. Pray and be a spiritual leader.

7. Don’t ever be a bully and don’t ever start a fight, but if some idiot clocks you, please defend yourself.

8. Your knowledge and education is something that nobody can take away from you.

9. Treat women kindly. Forever is a long time to live alone and it’s even longer to live with somebody who hates your guts.

10. Take pride in your appearance.

11. Be strong and tender at the same time.

12. A woman can do everything that you can do. This includes her having a successful career and you changing diapers at 3 A.M. Mutual respect is the key to a good relationship.

13. “Yes ma’am” and “yes sir” still go a long way.

14. The reason that they’re called “private parts” is because they’re “private”. Please do not scratch them in public.

15. Peer pressure is a scary thing. Be a good leader and others will follow.

16. Bringing her flowers for no reason is always a good idea.

17. It is better to be kind than to be right.

18. A sense of humor goes a long way in the healing process.

19. Please choose your spouse wisely. My daughter-in-law will be the gatekeeper for me spending time with you and my grandchildren.

20. Remember to call your mother because I might be missing you.

Don’t forget to share

Best Cashback Credit Cards in Malaysia

Best Cashback Credit Cards in Malaysia

No one is unfamiliar with credit cards. Banks issue a plethora of types every other month. While credit cards are undeniably versatile and an important tool to have for some, in this current economic backlash – attributed in large part to credit debt and credit crunch in the United States – it is important to know how to use credit wisely. One way to essentially reduce your spending is to make your usual purchases using cash back credit cards that can earn you RM100′s and even RM1,000′s per year!

Looking to Apply for a Credit Card?

If you are already looking for a card, see which one earns you the most cashback using our Cashback Credit Card Comparison Tool!

What is a Cashback Credit Card?

A cashback credit card is quite simply a credit card that gives rebates in cash. Instead of giving you rewards for spending with your card via treat points and freebies, the bank will give you a cold hard cash rebate. For example, if a cashback card has a cashback rate of 5%, when you pay for something worth RM200 with the card it gives you a rebate of RM10 and the final price you have paid would be RM190.
On first glance, this sounds quite rosy, considering most Malaysians love a good discount. However, cashback cards may not be the right type of credit card for you…

Are Cashback Credit Cards right for me?

Can you afford to repay your credit card in full every month? If so then cashback credit cards are the way forward, if you are the type who carries a credit balance on to the next month and are only able to make minimum/partial payments, we’d advice you against cash back cards. This is because whatever benefits you get from cash back becomes totally nil thanks to the amount of interest you have to pay back to the banks. Rather than saving money, you could end up spending more. For anyone with spending problems it would be better to obtain a 0% spending credit card or at least one with low interest rates if they wanted to cut down on interest costs.


Fees for withdrawals and balance transfers are also technically higher for cash back credit cards compared to normal cards, so it would inadvisable to use a cash back credit card for these functions. To find out what kind of credit card best suits your needs, see our Which Credit Card is Right for you? article.
The overall cash back options is still limited compared to overseas banks in UK or US, with not many banks offering cash backs benefiting large spenders. However there are options that help to increase savings, especially on basic necessities. Remember that you should not be focusing on the interest rate or balance transfer rate on cashback cards, if you use the card correctly these should not come into consideration at all.

The Top Cashback Credit Cards in Malaysia

Hong Leong Wise Credit CardDrawbacks: Only receipts of RM50 and above contribute towards cashback eligibility

Cashback: 10% on Mobile, Groceries, Utilities, Book Stores, Pharmacies, Dining, Departmental, Petrol, Travel, Entertainment
Paid Out: Monthly
Max cashback: RM100 monthly
Principal Card Annual Fee: Platinum: RM300, Gold: RM160 (First year annual fee is waived).
Supplementary Card Annual Fee: RM150, Gold: RM80
Rate: 15%-18% (should not matter if card is used properly!)
Card Issuer: VISA
Min. income: RM36,000 p.a (RM3,000 per month)
Service Tax: RM50.00
For the full Terms and Conditions, click here.
h9ngleong wise card
Apply Now


Hong Leong Wise Credit Card offers one of the leading cashback credit cards in the market. The headline story is 10% cashback everyday which is true, as its not just tied to weekend spending. The cashback rate is highly competitive but it also offers one of the highest cashback limits per month at RM100. Let’s look at the card in more detail to see how you can really maximise this card.

Benefits of the Credit Card

The Wise Credit Card gives you the choice to earn cashback on 2 out of 10 categories that best suits your lifestyle at 10% cashback on all categories making things simple. They currently also offer the Mobile cashback category as as free bonus category which means you actually can earn from 3 categories. The 10 categories are below:
CategoryMerchants/Merchant Category Code (MCC)
MobileMaxis, Celcom, DiGi, U Mobile, YES
PharmaciesGuardian, Watsons, Caring, Eu Yan Sang outlets
GroceriesAll grocery stores (MCC 5411)
PetrolAll petrol stations (MCC 5542)
DiningAll dining outlets (MCC 5811, 5812, 5814)
DepartmentalParkson, AEON, Isetan, Metrojaya, Robinsons, Tangs, GAMA and Sogo outlets
Book StoresMPH, Popular, Borders, Kinokuniya, Times, Smart and BookXcess stores
UtilitiesElectricity and Water (MCC 4900)
EntertainmentAll cinemas (MCC 7832), Ticket Charge, Ticketpro, Red Box and Neway
TravelAll airlines (MCC 3000-3299, 4511), hotels (MCC 3501-3999, 7011), tour packages (MCC 4722, 4723)
As you can see, the credit card offers all the main monthly spending and at 10% cashback, this means you only have spend RM1,000 a month on 3 of these categories to maximise the RM100 per month. For example, we believe a high percentage of Malaysian’s could spend this much on their credit card on dining, petrol and mobile phone, especially given that it’s not an American Express Card but a Visa card that is much more widely accepted in Malaysia.

Drawbacks of the Credit Card

The card offers one of the best cashback rates in the market. However there are some conditions for earning it. To make sure you earn your RM100 each month, you must make a minimum of 10 retail transactions monthly from the categories you selected with a minimum of RM50 per transaction. For transactions below RM50, they do not contribute towards eligible spend. Therefore make sure you pump at least RM50 each time you visit the petrol station, the local grocer, your favourite restaurant etc.
For those who are still a little sketchy on how this deal works, Hong Leong Bank has provided an easy to follow, step by step diagram:
Also, try to avoid switching cashback categories for no reason because it will cost you RM10 service fee each time. Perhaps check your previous month’s spending and choose the category that you spend the most on. Obviously if you realise that you spending habits has changed, it may make sense to pay this RM10 service fee.

Our Take

We believe the Hong Leong Wise Credit Card is a great credit card for most Malaysians. Spending RM1,000 a month on your credit card is quite possible these days and earning 10% back on your spend means up to RM1,200 per year! One point to mention is you have to earn at least RM3,000 a month (RM36,000 a year) in order to qualify for the card.
Malaysian’s who make many small transactions per month may not find this useful but hey, perhaps now’s a better time than any to treat your family or friends to a nice meal on you and thus making sure it goes over the RM50 mark!
If you are looking to apply for this card, you can do so online right now by clicking here. Be aware that although Hong Leong Wise Credit Card application page gives you the option to select income between RM24,000 and RM36,000, it clearly states at the bottom that the criteria is RM36,000 annual income earners.

HSBC Amanah MPower Visa Platinum Credit Card-i 
Drawback: 8% only on weekend spending

Cashback: Tiered 5% to 8% depending on weekend monthly spend on groceries, dining and petrol; 0.5% on all other daily spending and 1% on overseas spending
Paid Out: Monthly
Max cashback: RM100 per month on petrol, dining, groceries, and unlimited for all other spend
Principal Card Annual Fee: RM240 (waived with 12x transactions a year)
Supplementary Card Annual Fee: RM120
Rate: 15-18% p.a. (should not matter if card used properly!)
Card Issuer: Visa
Min. income: RM60,000 p.a. (RM5,000 per month)
Service Tax: RM50
Apply Now


HSBC Amanah MPower Visa Platinum Credit Card-i comes with a headline grabbing rate of 8% cashback on petrol, grocery and dining purchases. The cashback is capped at RM100 for the 8% cashback which is also one of the highest in the market. The big message to remember here is the 8% cashback is only eligible for weekend spend. Let’s take a look at the card more thoroughly.

Benefits of the Credit Card

The HSBC Amanah MPower Visa Platinum Credit Card-i offers one of the highest cashback rates available for Groceries Petrol and Dining if your monthly spend on these categories can break the RM2,000 barrier. Otherwise cashback on spend is reduced to 5% which is by no means low, but not “headline grabbing.” Nonetheless it is quite a simple card to understand and get the most benefit from.
Spend CategoriesTime of SpendSpend Amount (RM)% on CashbackTotal Cashback Received (RM)
Petrol from ShellWeekend2508%20
Groceries at TescoWeekend4008%32
Dining a local restaurantWeekend2008%16
Petrol from ShellWeekday1000.5%0.5
Another point worth mentioning is the ability to earn 0.5% and 1% unlimited cashback on other spend (including groceries, petrol and dining on weekdays) and overseas spend respectively so for those who travel often, this may be quite useful card to carry with your passport.
Supplementary card owners (maybe your son or daughter) who you have offered your generous credit facilities to can also earn cashback on your behalf.

Drawbacks of the credit card

Before you rush off to apply for this card lets take a look at its less positive aspects.
Firstly, you’ve probably been thinking whether or not you could change your spending pattern to weekends only! Now this may not be a problem for some but this can become a hindrance to those who has to change their spending pattern! You have to be disciplined and try to last the week without refilling your car or taking your date for dinner until Saturday or Sunday night.
Secondly, spending RM2,000 a month on petrol, dining and groceries may be a struggle for those who don’t travel or stay at home to eat on a normal basis. To put it into perspective, you have to spend around RM450 per weekend each month to maximise cashback at the 8% level.
Also be aware that for Petrol and Grocery spending, only spending at the merchants below will be eligible towards the monthly 8% casbhack:
Petrol : Shell, Petronas, Caltex
Groceries : Giant, Tesco, Aeon Big

Our Take

The HSBC Amanah MPower Visa Platinum Credit Card-i is a great card offering that doesn’t need you to be a rocket scientist to understand which nowadays is something to shout about. The 8% cashback is limited to only 3 categories but honestly, they do make up most of your monthly credit card expenses. We already mentioned that the card will only be suitable for weekend heavy spenders so this may not be suitable for those who just can’t avoid treating themselves out to weekly dinner outings or does more than the average travelling distance by car. However for those who can keep their spend limited until the weekend, it is one of the highest cashback offerings in the market and for those with income above at RM3,000 per month, it is an invitation to the mass market to apply here now.
If you are interested in the benefits of this credit card but can’t avoid spending on weekdays, perhaps the Hong Leong Wise Credit Card may be more suitable that offers 10% daily cashback but on only 2 categories. Otherwise use our cashback credit card comparison tool to find the best card suited to your spending!

Maybankard 2 Gold / Platinum Card (American Express only) – 5% on All Spending on Weekend
Drawback: Cashback limited to weekend spending and RM50 monthly only, issued by Amex

Cashback: 5% on Weekend spending
Paid Out: Monthly
Max cashback: RM50 monthly
Annual fee: RM0 (Lifetime)
Rate: 8.88-18% p.a. (should not matter if card used properly!)
Card Issuer: American Express + Mastercard
Min. income: RM60,000 (Platinum) / RM30,000 (Gold)
Service Tax: RM50 (principal), RM 25 (supplementary) can use TreatsPoints to offset the service tax
Go to Maybank
Big disclaimer for this product, you actually get issued 2 cards (1 Amex and 1 Mastercard) for the price of one, but we recommend keeping the Mastercard in the envelope in your desk drawer, as it is by no means a cashback credit card. The Maybankard 2 Gold Card American Express / Maybankard 2 Platinum Card American Express however, offers a market leading cashback rate of 5%, but on weekend spending only, and up to RM50 of cashback per month. Besides being a cashback card, the card also ranks highly for Rewards points (TreatsPoints in Maybank’s case), for more information please see our Rewards Points Credit Cards article.
While much more flexible in terms of types of spending than the OCBC card, the Maybankard 2 Cards only give cashback on spending during the weekends, so you may want to consider combining OCBC and Maybank to get the maximum cashback for your spending, especially if you spend more than RM1,000 a month.
Another drawback here is that the card is issued by Amex. As it tends to charge retailers more when you pay – so can afford to give you more cashback – but it’s accepted less, especially among smaller businesses.
Annual Spend (on Maybankard 2 American Express only)RM6,000RM12,000RM24,000RM36,000RM60,000RM120,000
Assume half weekday (0% cashback) and half weekend spending (5% cashback)
Yearly Cashback (assume Annual Fee waived, GST at RM50/year)RM100RM250RM550RM550RM550RM550

UOB One Card – RM50 one-time cashback upon approval, 5% on Petrol, GSC; 2% Groceries, Pharmaceuticals, Telcos; 0.3% othersDrawback: lower rate on Groceries/Telco, limits on Petrol/Groceries/Telco cashback

Cashback: 5% Petrol & GSC Cinema; 2% Groceries, Pharmaceuticals & Telecommunication; 0.3% other purchases
Paid Out: Monthly
Max cashback: Monthly limit for – Groceries: RM30; Petrol: RM25; Telecommunications: RM6
Annual fee: RM168, but RM0 if card is used 12x per year
Rate: 15-18% p.a. (should not matter if card used properly!)
Card Issuer: Visa
Min. income: RM24,000 p.a (RM2,000 per month)
Service Tax: RM50, can use cashback to offset the service tax
Go to UOB
While both this card and Citibank’s Platinum card below covers all the basic necessities and gives large cash rebates for these essential spending on petrol and groceries, what we like about UOB’s One Card is the Smart$ Cash programme, which runs on a cashpoints system. When you use UOB’s One Card at participating outlets, you can get up to 10% cash points. These 1000 outlets include San Francisco Coffee, GSC, Delicious, Sushi King, Harvey Norman, BHPetrol and Firefly. These accumulated cash points can be used in lieu of cash the next time one visits those particular outlets again. The annual fee for this card can also be waived as long as the card is used all year round with 12 transactions per year. This only leaves the RM50 service tax that has to be paid for all credit cards.
Limited stores/brands for cashback:
  1. Pharmacies: Guardian, Watsons & Caring Pharmacy;
  2. Telecommunications: Maxis, Celcom & Digi;
  3. Groceries: Aeon Big, Tesco, Carrefour, Giant, Cold Storage, Pasar Raya Jaya Grocer
Annual Spend (UOB One card)RM6,000RM12,000RM24,000RM36,000RM60,000RM120,000
Assuming 20% Groceries, 10% Petrol, 10% Phone, 20% Utilities, 20% dining and 20% other spending
1st Year Cashback (assume Annual Fee waived, RM50 cashback on approval, GST at RM50/year)RM77RM154RM307RM461RM720RM1,058
Subsequent Yearly Cashback (assume Annual Fee waived, GST at RM50/year)RM27RM104RM257RM411RM670RM958

Citibank Cashback Platinum – 5% Petrol; 2% Groceries, 2% Pharmaceuticals, 2% Telcos; 0.3% othersDrawback: lower rate on groceries/pharmaceuticals/telcos, limits on Petrol/Grocery cashback

Cashback: 5% Petrol, 2% Groceries, 2% Pharmaceuticals, 2% Telecommunication, 0.3% Other purchases
Paid Out: Monthly
Max cashback: Monthly limit for: Petrol RM30; Grocery RM60
Principal Card Annual Fee: RM195 (may be waived with 12x transactions, but call to confirm!)
Supplementary Card Annual Fee: RM100
Rate: 8.88% – 18%
Card Issuer: Visa or Mastercard
Min income: RM60,000 p.a (RM5,000 per month)
Service Tax: RM50, can use cashback to offset the service tax
Go to Citibank
For families that have large grocery expenditure, with the Citibank Cashback Platinum card, it is possible to hit the highest monthly cash back amount of RM60. Compared to UOB One Classic the possible cash back can be larger and easier to obtain. Other benefits include a Retail Protection Plan up to RM12,000 per item or RM30,000 per occurrence, Lifestyle Privileges and Healthcare Privileges/Discounts. These privileges would make the card more suitable to older, more stable users with need for such coverage. A quick call to the Citibank Customer Service team regarding the Annual Fee waiver was met with a response ‘There is an waiver, similar to other cards that Citibank offers, but T&Cs may change at any time, this is 3x use of card within first 60 days’.
Limited stores/brands for cashback
  1. Pharmacies: Guardian, Watsons & Caring Pharmacy;
  2. Telecommunications: Maxis, Celcom & Digi;
  3. Groceries: Tesco, AEON Big, Giant, Cold Storage, Everrise, Servay, Econsave and Mydin
Annual Spend (Citibank Cashback Platinum card)RM6,000RM12,000RM24,000RM36,000RM60,000RM120,000
Assuming 20% Groceries, 10% Petrol, 10% Phone, 20% Utilities, 20% dining and 20% other spending
Yearly Cashback (assume Annual Fee waived, GST at RM50/year)RM27RM104RM257RM411RM718RM950

Mach by Hong Leong Bank – Mach Credit Card -  up to RM400 cashback/monthDrawback: Must pay RM5 quarterly per additional category, 0.2% Petrol and Utility cashback 

Cashback: 0.2% general purchases, 1%-10% on specific categories.
Paid Out: Monthly
Max cashback: RM33.33 per category per month – RM400 per month (if you subscribe for all 12 cashback categories (RM45 fee per quarter)
Annual fee: RM160 principal (waived with 12 swipes per year), RM80 supplementary.
Rate: 15-18% p.a. (should not matter if card used properly!)
Card Issuer: Visa
Min. income: RM24,000 p.a. (RM2,000 per month)
Service Tax: RM50
Apply now
Heard about the new Mach Credit Card and thought about applying for it? Seen the RM400 monthly cashback and thought: Hey, I want a part of that deal! Well let’s run through the card before you decide to apply for it.
The Mach Card is essentially a credit card that aims to offer cashback across many types of spending. Rather than the usual 4-5 cashback categories, Mach is now offering 12! This is supposed to allow the customer to really dictate what categories they want to earn cashback on by subscribing to the ones relevant to them. Let’s take a look at the Categories below.
PackageCategory% Cashback locations
SocialMovies10% cash back at all cinemas (MCC 7832)
Nightlife2% cash back at most bars and clubs ((MCC 5813)) like Bakita, Finnegan’s, Hard Rock CafĂ©, Overtime, Sid’s Pubs, The Library, Twentyone, Rex Box, Zouk etc
Music & Event3% cash back on AirAsia RedTix, TicketCharge, Ticketpro, Rock Corner outlets
TrendsetterStyle2% cash back at Uniqlo, Cotton On, Forever 21, Zara, Topshop, Topman, Charles & Keith, G2000, Gap, Converse and Esprit
Travel1% cash back on Air Asia flights and hotels only
Dining5% cash back at Dining outlets
SavvyHealth & Fitness2% cash back  at Fitness Concept, Fitness First, True Fitness, Celebrity Fitness, GNC, Watson's and Guardian
Mobile3% cash back  on Maxis, DiGi and Celcom bills
Groceries2% cash back at Grocery stores (MCC 5411) like Giant, Tesco, Cold Storage etc
OtherDepartmental2% cash back at Parkson, Tangs, Debenhams, Robinsons, Isetan, Mark & Spensers and Metrojaya
Online1% cash back on all online spending
Tech2% cash back at IT Stores (MCC 5045 and 5732) such as Machines, Epicentre, IT Hypermart etc
One point to note is upon approval of the Card, you will have to pick one of the above packages, Social, Trendsetter or Savvy which comes with their 3 respective categories so make sure you pick the one that you feel is most suited to you. If you realize that you can’t choose 1, you can still apply for the categories individually anyways. This is great for those who want to earn cashback across a myriad of spending types without having to apply for too many cards. For each additional category not subscribed, you will get the standard rate of 0.2% on spending.
Now you don’t have to subscribe any additional categories if you don’t want to or you can decide to subscribe to all additional 9 but just be aware that this will cost you RM45 per quarter or RM180 per year. By subscribing for all 9 categories it will entitle you to earn RM400 per month as shown on the below table:
CategoryCashback RateSpend to get Max CashbackMonthly Cashback
Music & Event3%RM1,111.11RM33.33
Health & Fitness2%RM1,666.67RM33.33
Although it seem like you have to spend a fair bit to earn RM400, it does offer you the ability to earn one of the highest monthly cashback in the market. The flexibility of being able to choose means you can still can earn cashback on the things you spend on.
Now comes the less attractive features of the card. Firstly, not offering Petrol or Utilities Cashback as a category means you will only be earning 0.2% from your weekly trip to the pump or household bills. The quarterly category selection also means you can’t change them on a monthly basis so treat them as a sunk cost if chosen wrongly.
To sum up, although it doesn’t offer the highest cashback rates across the categories, the fact that it offers cashback on more than the typical Cashback Credit Card makes this useful, especially for first-time credit card holders who doesn’t know what their spending patterns are. It doesn’t offer competitive Cashback on Petrol or Utilities which we feel is a downer but perhaps look for other cards that offer this if your lifestyle heavily requires both.
Our final tip if you are thinking of applying for this is to make sure you are someone that can keep track of your spending habits so you can adjust your Category subscriptions to your lifestyle spending. It can be the best or the worst feature of this card for you. Whether you have the time to maximise this card by changing the categories or decide you want a simpler but less flexible card is up to you!

Best Any-Spend Cashback Card

OCBC Titanium MasterCard – Unlimited 1% Cashback on All Retail Spending with Absolutely No Annual FeesDrawback: Requires high minimum income of at least RM60,000 p.a. (RM5,000 per month)

Cashback: Unlimited 1% on all retail spending
Paid Out: Monthly
Annual fee: RM0
Rate: 15-18% p.a. (should not matter if card used properly!)
Card Issuer: Mastercard
Min. income: RM60,000 p.a. (RM5,000 per month)
Min. monthly payment: RM50 or 5% of outstanding amount
Service Tax: RM50 (waived with total retail spending of at least RM10,000 in 12 months)
Apply Here
Looking for a credit card to reward ALL your untamed and extravagant spending habits? Then the OCBC Titanium MasterCard might be what you’ve been hunting for. But what makes this credit card so appealing? Read on for our detailed breakdown of the OCBC Titanium MasterCard.

The Good

1) Unlimited Cashback
When it comes to spending with the OCBC Titanium MasterCard, there is absolutely no limit as to how much you can be rewarded. The card offers unlimited cashback of 1% on ALL retail purchases. So whether you’re shopping for a new shirt, loading up on groceries at the supermarket or filling up on petrol, the OCBC Titanium MasterCard is here to reward you. There are NO restrictions on what you can purchase as long as you can swipe your credit card.
Feel that cashback cap limits are slowing you down? Well not anymore, with unlimited cashback, you can let loose and unleash your inner splurging habits with a fury and be rewarded every step of the way, no matter how much you spend. Now that’s the power of No Limits.
2) No Annual Fees
Hate paying those pesky annoying annual fees? Fret not, because with the OCBC Titanium MasterCard, you will pay absolutely no annual fees for life, even if you never use the card.
That’s right. While some other credit cards might enforce an unreasonable minimum spending quota in exchange for zero annual fees, the OCBC Titanium MasterCard lets you spend with your card whenever you want to. Even if you chose to leave the card in the dust and never use it for a year, you still won’t see any annual fee charges on your card.
3) 24-hour Concierge Service
Being covered under 24-hour concierge service is akin to having a 24-hour personal assistant at your disposal. So whether you’re suffering from a sudden food craving or wondering where the best local shopping haunts are, the answers to all your questions are just a quick call away.
All OCBC Titanium MasterCard holders have to do is pick up the phone and dial the hot line and a friendly personalized assistant will be there to serve and assist you. Now that’s style.

The Bad

1) High Minimum Income Required
The OCBC Titanium MasterCard requires a minimum annual income of at least RM60,000 (or RM5,000 per month). So while the card might come with awesome perks to satisfy the inner shopaholic, not everyone might earn enough to be able to reap these amazing benefits.

The Final Verdict

If you spend big on a regular basis then the OCBC Titanium MasterCard is absolutely something you should have in your wallet. The perks associated with this card say it all, if unlimited cashback doesn’t do enough to feed your desire to spend, then nothing ever will. So why put a cap on your rewards?

Hong Leong Essential Credit Card – 1% cashback on all spendingDrawback: lower cashback rate, but at least no limits and clean spending

Cashback: 1% on all spending
Paid Out: Monthly
Max cashback: None
Annual fee: RM100 (principal), RM50 (supplementary), RM0 if card is used 12x per year on retail spending or RM8,000 retail spending
Rate: 15-18% (shouldn’t matter if used correctly)
Card Issuer: Visa
Min income: RM24,000 p.a (RM2,000 per month)
Service Tax: RM50, can use cashback to offset the service tax

Go to HLB 
Currently, this is one of the few cards with no limit on the cashback, and no tiering of their cash back rates. This makes Hong Leong’s Essential Credit Card the simplest and easiest to use. Compared to the next best Citibank Cashback, the returning cash back is good overall for low and high spenders, as shown in the table. It would be better suited for new graduates starting work and not looking to over-splurge on their expenditure. There is no limit to any particular good, so there is more freedom in how you choose to spend the card if you don’t use it for your daily necessities.
Annual Spend (on Hong Leong Essential Credit Card)RM6,000RM12,000RM24,000RM36,000RM60,000RM120,000
Yearly Cashback (assume Annual Fee waived, GST at RM50/year)RM10RM70RM190RM310RM550RM1,150

OCBC Platinium MasterCard – Free Travel Insurance Coverage of up to RM2,000,000; Unlimited 0.5% Cashback Drawback: High Annual Fee of RM188 (Waived if card is swiped at least 24 times)

Cashback: Unlimited 0.5% on all retail spending
Paid Out: Monthly
Annual fee: RM188 (Waived if card is swiped at least 24 times)
Rate: 15-18% p.a. (should not matter if card used properly!)
Card Issuer: Mastercard
Min. income: RM60,000 p.a. (RM5,000 per month)
Min. monthly payment: RM50 or 5% of outstanding amount
Service Tax: RM50 (waived with total retail spending of at least RM10,000 in 12 months)
Apply via RinggitPlus
Are you a frequent traveler looking to indulge in the finer things in life? Then the OCBC Platinum MasterCard might be the perfect compliment to your adventurous lifestyle. With unlimited cashback and free personal accident insurance coverage of up to RM2,000,000, you can travel with a piece of mind because your card has got you covered.

The Good

1) Free Travel Personal Accident Insurance
Frequent flyer? Then the OCBC Platinum MasterCard is here to cover you through any travelling mishap that you might have the misfortune of stumbling into. Lost your baggage? Flight got canceled? Don’t panic, because the OCBC Platinum MasterCard has got you covered with travel inconvenience benefts of up to RM10,000.
Feeling ill while on a holiday? Don’t worry because with up to RM2,000,000 of travel personal accident insurance coverage, you can focus more on recovering rather than paying.
2) Unlimited Cashback
The OCBC Platinum MasterCard never ceases to reward you, no matter how much you spend! With unlimited retail spending cashback of 0.5%, whether you’re shopping around domestically or overseas, you can expect to be rewarded every time you swipe your card.
Is 0.5% cashback not enough to satisfy your craving? then check out the OCBC Titanium Mastercardwhich has 1% unlimited cashback
3) 24-hour Concierge Service
Lost while traveling in a foreign country? Don’t worry, with round the clock 24-hour concierge service, the answer to all your queries is just a short phone call away. So whether you’re looking for the most trendy place to shop in town or hunting down renowned restaurants, the 24-hour concierge service is here for you.
But what if you run into an emergency while travelling? Don’t despair, call the 24-hour concierge service and they will gladly guide you towards the nearest emergency facility or alert the authorities to your location.

The Bad

1) High Annual Fees
Unfortunately, the OCBC Platinum MasterCard does come with a relatively high annual fee of RM188. However, there are several loopholes that can be used to get yourself out of paying such a fee.
Firstly, as part of OCBC’s sign up offer, you can expect your first year of credit card usage to be absolutely free. After your first year, you can wiggle your way out of paying the annual fee by swiping your card at least 24 times per year.
That’s right. “Swipe” not “Spend”. It doesn’t matter how much you spend every time you swipe, as long as you swipe your card 24 times a year, you can expect to pay absolutely no annual fees.
So as long as you use your credit card frequently, you shouldn’t be feeling the sting of annual fees.

The Final Verdict

If you’re a frequent traveler, then this is definitely the perfect tool to include in your travel purse. Why throw away a chunk of your money on insurance premiums when you can benefit from the free travel insurance that the OCBC Platinum MasterCard entitles you to? If you’ve worked hard your entire life to earn at least RM60,000 a year, then you deserve a credit card that will let you travel and enjoy the wonders of the world.
Is the high annual fee really all that bad? Not at all, in fact, as long as you swipe your card 24 times in a year (or 2 times every month) then you will pay absolutely no annual fees whatsoever.

Cashback on Specific Spending: Petrol

Shell Citibank Gold Credit Card – supposedly up to 8% cashback on your Shell Fuel spendingDrawback: you need to spend on other things (at 0% cashback) to get the 8% on fuel

4-8% cashback – Petrol
0% cashback – Other spending
TierMonthly Total Spending (on all spending types)Petrol Cashback RateMax Petrol Spend for CashbackMax Cashback
1RM300 - RM9994.00%RM250.00RM10.00
2RM1,000 - RM2,4996.00%RM500.00RM30.00
3Above RM2,5008.00%RM800.00RM64.00
Max cashback: RM64 / month
Principal Annual fee:  RM195
Supplementary Annual Fee: RM100
1st year waiver (swipe your card 3 times within 60 days of the approval date)
Rate: 8.88-18% p.a. (should not matter if card used properly!)
Card Issuer: Visa
Min. income: RM24,000 p.a. (RM2,000 per month)
Service Tax: RM50, use cashback to offset Service Tax
Go To Citibank
Citibank wants you to believe you can get the highest cashback rate of 8% for petrol spending with their Shell Citibank Gold Credit Card. In a sense they are right, but what they don’t tell you is that the cashback rate is 0% for other spending, and they limit your eligible Shell spending for cashback calculations. For example, in Tier 1, assume you spend RM500 on just petrol (because you spend on other stuff using another credit card with cashback on the other spending), you only get RM10 cashback because the petrol spend limit for cashback calculations is RM250, and at 4% that’s only RM10. As you know, RM10 on RM500 is actually 2%, so a far cry from the 8% stated.
The highest cashback rate we can get on spending with this card we calculated to be 3.33% (spend RM300 on petrol, and RM0 spending on other stuff, get RM10 cashback), in Tier 1. As you go up the tiers, the rates get worse and worse. For Tier 2 its 1.20%-3.00% and Tier 3 its a 0.00%-2.56% effective cashback rate on your spending.
We would probably say go for other top Cashback Credit Cards, as the top few give 5% on multiple types of spending, while not as headline grabbing as Citibank’s 8%, you do get the 5% on your total spending, which increases your overall cashback!

One Time Cashback

Maximise your Total Cashback

Unless you have a very specific spending profile and can utilise one off cashback promotions, the Hong Leong Wise Card offers the highest overall cashback for 3 types of spending, BUT the monthly cashback limit of RM100 certainly limits the amount of cashback one can earn. The simple trick is to apply for multiple cards and combine the limits:
Step 1: Apply for multiple cards (this may be an issue for those earning less than RM36,000 p.a., as they are limited to only 2 credit cards). Hong Leong + Maybank first, followed by UOB or Citibank.
Step 2: Each month, spend on the Hong Leong Wise Card (be sure to choose your highest spending categories) and Maybank card (on weekends) until cashback is maximised.
Step 3a: Spend using the UOB/Citibank card for specific purchases (Petrol, Groceries, Telco, Pharmaceuticals) until the individual limits are hit (if at all).
Step 3b: Spend using the Hong Leong Essential Credit Card for all other purchases, including Petrol, Groceries, Telcos, Pharmaceuticals which have hit limits on the cards in 3a.
Example 1:
Ms Regular Spender is a junior executive in a MNC earning RM2,500 per month, and she anticipates that she will spend RM2,000 per month (RM24,000 per year) on her credit card. She can maximise her potential cashback by applying for the Hong Leong Wise Card + Maybank card, using the Hong Leong card on weekdays and the Maybankard on weekends, she can get up to RM150 cashback each month!
Ms Regular Spender (RM2,000 per month)HLB + Maybankardjust HLBjust Maybankardjust UOBjust Citijust Hong Leong Essential
Annual Cashback (including fees, GST)RM1,700RM1,150RM550RM257RM257RM190
Example 2:
Mr HighRoller’s has a family of 4 and his spending each month is
Petrol: RM1,000
Groceries (and household items): RM2,000
Utilities: RM2,000
Telecommunications: RM1,000
Dining: RM2,000
Others: RM2,000
Total: RM10,000
He can maximise his potential cashback by applying for all 5 cards and charge spending according to spending type to each card until the cashback limit has been reached.
Mr High Roller (RM10,000 per month)Hong Leong Wise + Maybank + UOB + Citi + Hong Leong Essentialjust Hong Leong Wisejust Maybankardjust UOBjust Citijust Hong Leong Essential
Annual Cashback (including fees, GST)RM3,250RM1,150RM550RM958RM950RM1,150