How many of you might think that is possible? We all know now that annual fees can be easily waved from credit cards right? All you have to do is to call the call centre and threaten to cut up the card, they will immediately waive the fees. I know one bank that doesn’t buy that but hell, you have another 20 to choose from so pick a card that sure helps you save money.

But is there such a card? I cannot remember who started all these rebates first but if I am not mistaken, it should have been Citibank. But the other credit cards follow suit and to this date, I do not know which offers what. But one card that sticks to my mind a bit is that UOB credit card that helps you save on your carrefour shopping. Afterall, hypermarket already offer you a pretty good value for your shopping budget, surely another couple of percentage rebates will help? Yeah. There is a card for petrol fuel savings from Petronas and Shell. I am not too hyped up about savings on car repairs, etc as I believe my foreman is much better than that and he doesn’t has merchant facilities.

Shop around for the best card, I still believe in saving every single ringgit you earn. Plus you get points with your purchase which makes more sense when you redeem them for vouchers later.