Maybe my Sifu ( genxgenygenz) well educated us to fully utilized the cash back.
Just look at my Maybank Amex Actual Cash Back, from RM 50 reduce to RM 17.67.
I think it's time for me to CUT this card.
Which Card to replace it??
Maybank FC Barcelona??
https://ringgitplus.com/en/credit-card/Maybank-FC-Barcelona-Visa-Signature.html
Every May and August, earn a whopping 10% cashback on all purchases. Every other month except May and August, you will get 2% cashback when you spend with Maybank FC Barcelona Visa Signature, capped at RM100 and RM50 per month respectively.
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| All purchases (except for government bodies and utilities) | 10% | RM100 | any amount monthly |
| All purchases (except for government bodies and utilities) | 2% | RM50 | any amount monthly |
or
Public Bank Quantum MasterCard
Both the Visa and Mastercard offer 5% cashback on different categories. Since they come as a pair, you get cashback benefits across four categories: Online & Dining (Mastercard), , and Entertainment & Department Store (Visa). Each card has a cashback cap of RM30, which may sound little, but there’s one final ace up these cards’ sleeve.
But if averagely I get RM 20 * 12 = RM 240 cash back vs RM 25 government tax ( worth it?? )
TNB no more cash rebate - Kanasai.
Link: https://ringgitplus.com/en/blog/Cash-Back-Credit-Cards/What-Is-The-Best-Credit-Card-To-Pay-For-Utilities-In-Malaysia.html