Bank Promotion

AmBank :

Go to the Bank Promotion Page
Go to the Bank Promotion Page

BSN
Go to the Bank Promotion Page


CIMB

Go to the Bank Promotion Page


Citibank

Go to the Bank Promotion Page


Hongleong
Go to the Bank Promotion Page

HSBC
Go to the Bank Promotion Page

Maybank
Go to the Bank Promotion Page

Public Bank
Go to the Bank Promotion Page

RHB
Go to the Bank Promotion Page

Standard Chartered
Go to the Bank Promotion Page

UOB
Go to the Bank Promotion Page

Cash Back Credit Card In Malaysia

Assume:
Monthly Expense:
Petrol:                       RM
Dining:                      RM
Telecommunication: RM
Pharmaceutical:       RM
Groceries:                 RM
Cinema:                     RM
Others:                      RM
Total:                   RM0


Affin Bank

Total of Transaction Amount (RM per month)	AFFIN BONUS (%)
100 -1,500	0.4
Above 1,500	0.8

Cash back=0


Alliance Bank 

	CLASSIC		GOLD		PLATINUM		YOU:NIQUE REBATES
Cash Back Payout Table	Cash Back Factor	Monthly Spending Range (RM)	Cash Back Factor	Monthly Spending Range (RM)	Cash Back Factor	Monthly Spending Range (RM)	Cash Back Factor	Monthly Spending Range (RM)
Tier 1 Tier 2 Tier 3 Tier 4	0.50% 0.60% 0.80% 1.20%	0 - 200 201 - 350 351 - 650 651 - 1,000	0.55% 0.65% 0.85% 1.30%	0 - 300 301 - 600 601 - 950 951 - 3,000	0.60% 0.70% 0.90% 2.00%	0 - 500 501 - 1,350 1,351 - 2,550 2,551 - 5,000	0.50% 0.70% 0.90% 2.00%	0 - 500 501 - 1,350 1,351 - 2,550 2,551 - 5,000
	Monthly spending cap will apply. No cash back will be awarded for retail spending of RM1,001 and above for Alliance Bank Classic Credit Card, RM3,001 and above for Alliance Bank Gold Credit Card and RM5,001 and above for Alliance Bank Platinum and You:nique Rebates Credit Card.
Interest Savings	0% Interest on retail spending for first 3 months*		0% Interest on retail spending for first 3 months*		0% Interest on retail spending for first 3 months*		0% Interest on retail spending for first 3 months*
	* Only applicable to new Cardmembers.
	* No interest charged on outstanding balance for retail transactions for the first 3 months from card account creation date, thereafter interest at the rate of up to 17.5% p.a. per month applies.
Timeless Bonus Point (TBP)	1 TBP for every RM1 spent^		1 TBP for every RM1 spent^		1 TBP for every RM1 spent^ 2 TBP for every RM1 spent Overseas^		1 TBP for every RM1 spent^
	^ Retail Spending only, excluding petrol & government agencies transactions.

Highest Cash Back=

Citibank Cash Back Platinum Card

Rebate Category	Cash Rebates	Total Purchase Entitled for Cash Rebates
Petrol	5.0%	Up to RM600 per month
Groceries	2.0%	Up to RM3, 000 per month
Pharmaceutical	2.0%	Unlimited
Telecommunication	2.0%	Unlimited
Other purchases	0.3%	Unlimited

Cash back=0

OCBC TITANIUM

Rebate Category	Cash Rebates
Petrol	5.0%
Groceries	5.0%
Dining	5.0%
Bill	5.0%
Other purchases	1.0%

Cash back=0

 UOB ONE CARD

Rebate Category	Cash Rebates	Total Purchase Entitled for Cash Rebates	Merchants
Petrol	5.0%	Up to RM600 per month	All petrol stations
Cinema	5.0%	Unlimited	Golden Screen Cinemas
Groceries	2.0%	Up to RM1, 500 per month	Tesco, Carrefour, Giant, Cold Storage & Pasar Raya Jaya Grocer
Pharmaceutical	2.0%	Unlimited	Guardian, Watsons & Caring Pharmacy
Telecommunication	2.0%	Up to RM300 per month (Effective from 1st December 2011)	All major mobile service providers
Other purchases	0.3%	Unlimited	All other merchants not listed above ^

Cash back=0

Addition to UOB
SMART$ CASH PROGRAMME :

Sushi King	10%		GSC	5%
San Francisco Coffee	10%		Harvey Norman	2%
Delicious	5%		Firefly	2%
Godiva	5%		BHPetrol	2%
Charles & Keith	5%		SenQ	1%
Pedro	5%		Watatime	1%

Conclusion:
Apply two card, UOB and OCBC
Use UOB  One card for petrol, cinema, pharmaceutical and  any smart cash merchant's transaction.

Use OCBC TITANIUM for other transactions

Comparison Between Malaysia Fixed Deposit Accounts

Banking Institution	With Effect From	Percentage (%) Per Annum
		1-mth	2-mth	3-mth	4-mth	5-mth	6-mth	7-mth	8-mth	9-mth	10-mth	11-mth	12- mth
Affin Bank Berhad	12/05/2011	3.05	3.05	3.10	3.10	3.10	3.25	3.25	3.25	3.35	3.35	3.35	3.60
Alliance Bank Malaysia Berhad	08/10/2012	3.00	3.00	3.00	3.00	3.00	3.10	3.10	3.10	3.10	3.10	3.10	3.20
AmBank (M) Berhad	27/11/2013	2.95	2.95	3.00	3.00	3.00	3.10	3.10	3.10	3.10	3.10	3.10	3.15
BSN	01/12/2013	3.00		3.00			3.05			3.10			3.20
CIMB Bank Berhad	22/05/2013	3.00	3.00	3.05	3.05	3.05	3.10	3.10	3.10	3.10	3.10	3.10	3.15
Citibank Berhad	10/01/2013	2.80	2.80	2.90	2.90	2.90	2.90	2.90	2.90	2.90	2.90	2.90	3.05
Hong Leong Bank Berhad	13/05/2011	2.90	2.90	2.95	2.95	2.95	2.95	2.95	2.95	2.95	2.95	2.95	3.10
HSBC Bank Malaysia Berhad	11/06/2013	2.75	2.75	2.95	2.95	2.95	3.00	3.00	3.00	3.00	3.00	3.00	3.10
MAYBANK	17/12/2012	3.00	3.00	3.05	3.05	3.05	3.10	3.10	3.10	3.10	3.10	3.10	3.15
OCBC Bank (Malaysia) Berhad	29/04/2011	2.75	2.75	2.85	2.85	2.85	2.90	3.05	3.05	3.05	3.05	3.05	3.05
Public Bank Berhad	15/11/2011	3.00	3.00	3.05	3.05	3.05	3.10	3.10	3.10	3.10	3.10	3.10	3.15
RHB Bank Berhad	13/01/2012	3.00	3.00	3.05	3.05	3.05	3.10	3.10	3.10	3.10	3.10	3.10	3.20
Standard Chartered Bank Malaysia Berhad	29/10/2012	2.75	2.75	2.90	2.90	2.90	2.90	2.90	2.90	2.95	2.95	2.95	3.05
United Overseas Bank (Malaysia) Berhad	19/03/2014	2.90	2.90	2.95	2.95	2.95	2.95	2.95	2.95	2.95	2.95	2.95	3.10

1st: Affin Bank
2nd: RHB
3rd: Alliance

For >=12 month:
1st: Affin Bank
2nd: BSN
3rd: RHB