Optimizing on my Credit Cards
I previously reviewed the different credit cards that are available in Malaysia and ways to get money back from these cards. A lot has changed since my last review. I have not really gone back to do an in depth analysis. The baseline at the moment for value based on either cash back or prize redemption is 0.5%. The service tax by the Malaysian government adds an additional RM50 per principal card and RM25 per supplementary card.each year. image © Adrian van Leen for openphoto.net CC:PublicDomain Due to the competition in the market, most annual fees are waived. The only exception I found is the Citibank Cashback card. When you first sign up for the card, the annual fee for the first two years are waived. However, when I asked for a waiver, they refused. Instead of approving a waiver, they offered a different card. The other option from them was to sign up for an additional service from them for another year waiver. I refused either option and was b...