1. Annual Income: RM80,000

2. Free Annual Fee: A must

3. Required for: Shopping/Dining/Groceries/Travel

4. Existing credit cards if any: no

5. Looking at CC from: any bank

6. Others: prefer islamic card...

7. I am foreigner

MOD Warning : No solicitation allowed.

1. Annual Income:Rm100k+/-

2. Free Lifetime Annual Fee: Better if available

3. Card required:To get rebate,Bank record purpose,Convinience

4. Existing credit cards if any:No,But Public bank account member

5. Looking at CC from:Pbb 12% or  8% promo/Ocbc titanium
What card is good to have? Maybe which one has best redemption.
Oh ya,I guess my spending on CC should be 3k-15k per month normally.

Since You already got the Best Combo (MBB2cards & OCBC Tit.) in Town...

Why Not, Consider to Get Alliance Bank Cash Back Platinum OR Gold Card as Your 3rd Card with Benefits as :

Platinum
•0% Finance Charge for first 3 months
•Up to 2.0% cash back* on retail spend
•2x Timeless Bonus Points on overseas spend
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within
a 12-month period
•Exclusive privileges and discounts at participating merchants
•Instalment Payment Plan at 0% p.a. interest rate at participating merchants
•Unlimited Complimentary Access to KLIA Plaze Premium Lounge
•Customer Service Hotline Assistance
•No lost card liability upon reporting
•Worldwide recognition and acceptance
More on Platinum Card: http://www.alliancebank.com.my/Personal-Ba...tinum-Card.aspx

OR

GOLD
•0% Finance Charge for first 3 months
•Up to 1.3% cash back* on retail spend
•Timeless Bonus Points that do not expire
•Enrich Miles Redemption via Enrich Rewards Program with Malaysia Airlines
•AirAsia BIG Points Redemption (for VISA Credit Card only)
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period
•Exclusive privileges and discounts at participating merchants
•Instalment Payment Plan at 0% p.a interest rate at participating merchants
•Customer Service Hotline Assistance
•No lost card liability upon reporting
•Worldwide recognition and acceptance
Details on Gold Card: http://www.alliancebank.com.my/Personal-Ba.../Gold-Card.aspx

OR at: https://forum.lowyat.net/topic/2474465 for More Details

Lousy Me, Before I Forgot... There is 1 More Cash-Back Card,

Hong Leong Bank Essential Credit Card
*Unlimited 1% Cash Rebate on ALL Retail Purchases, Except Petrol Purchase
*Low Cash Advance Fee only 2%
*Low Cash Advance Rate at 10.8% p.a
http://www.hlb.com.my/pfs/cc/ccessential1....lag=ccessential

[/B]
Maybank was the Best...Famous with their 2Cards https://forum.lowyat.net/topic/2641365
Same as well with CIMB http://www.cimbbank.com.my/creditcard/inde...cc_lu&ct=driver
It's [B]FREE For Life with NO Rules & Conditions apply...

More on Petrol Pumping with Your Credit Card: https://forum.lowyat.net/topic/1798403

As for GST, the Bank Never Waive it for You but You can OFFSET it  by Using Reward Point (10,000 pts = $50GST)
OR with Total Spending Min $10,000 a Year, then You can Request GST Waiver from Some of the Banks

But, Mostly We will paid  Our Own GST

The Rest (RHB, PB, HLB & BSN).... I think will need Min. 12x Swipes a Year on Annual Fee Waiver

Meaning that I should get either MBB 2 or CIMB? Or I need both MBB 2 & CIMB for the best combo?

Either One that Suite You...
What I mean Both Cards were Free for Life you Choose Either One

Definitely, Maybank 2Cards are Best Cards in Town...

Maybank 2Cards
It's FREE for Life with Timeless Treat Point with No Expire...
*The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, & 1 statement.
*You can Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.
*5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card and 1x TreatsPoint on Maybankard 2 Card in Malaysia or anywhere else in the world.
* 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Cardmember) per month

IF compare WITH,

CIMB Petronas Gold MasterCard
■No Annual Fee
■Earn up to 8% cash back at PETRONAS Stations
■0.5% unlimited cash back on other retail transactions
■Complimentary ZING card

U can See Which Card were the BEST Now...

The Best Card for NEWbie - i) UOB One Card a Pure Cash Back Card ...  
You can Earn Cash Rebate ON:
* 5% for Petrol (Limited to Total Purchase of $400 every Month Entitled for Cash Rebates, Cash Back capped at $20 per month)
* 5% for Cinema at GSC only
* 2% for Groceries (Limited to Total Purchase of $1500 Per Month Entitled for Cash Rebates it capped at $30 per month.)
* 2% at Pharmacies
* 2% for Telecommunication Bills (Limited to Total Bill of $300 Per Month Entitled for Cash Rebates)
& 0.3% for all Other Purchases (including Online Purchase)...
*Enchanted with SMART$ Cash Rebate Privileges

OTHERS,

Although ii) HLB's Mach Card got More Cash-Back Categories (Get choose 1 for Free...12 All's from Movies to Dining):
For Details: http://forum.lowyat.net/topic/2421215
But, Need to pay RM5 every 3 months to enjoy additional categories of CashBack of the Card !

If You like Coffee or suka go on Movie (Weekday), You also can Consider iii) Citibank Clear Card... 
Benefits from Citibank Clear Card (with NO Expire Reward Point):
*Friday Buy 1 Free 1 Movie Ticket (Normal class) at GSC, TGV and Cathay Cineplexes
*1-for-1 drinks at Coffee Bean & Tea Leaf
*Privileges at Zouk Club KL
*CITIBANK CLEAR CARD 3X REWARDS All Year Long Shop/Outlet in Malaysia:
1. Zouk Club Kuala Lumpur
2. Zouk café & Bar
3. G2000
4. Zara
5. Charles & Keith
6. Borders Bookstore
7. Alexis Bistro & Wine Bar
8. Sakae Sushi
9. Pedro
Please Refer to: http://www.citibank.com.my/clear/?eOfferCode=MYCCLNCLC more on Citibank Clear card

P.s: Use Your's Credit Card Frequently, Bank will Delighted to Waive Off the Annual Fee for You...

Thanks for the lengthy explanations
Can advice me on the credit limit of MBB 2 & CIMB?

thanks for ur advice, i will apply today 

thanks fly...

so which one is better? cash back or reward point? sory im newbie about creadit card.. 1st time apply & use

It's Depends...but most of ppl prefer Cash-Rebate, more Practical (You called Me $$$ Face )
When use Cash Back Card,Your Spending turn to Cash Rebate credit back to Your Account every month sure Happy isn't it...  

As for the Reward Point CC just Collecting Points to Redeem Gift, Vouchers... but NOT All Your Spending will Rewarded You Point (e.g Some of the CC No Reward Points will give on Petrol Purchase)...
Furthermore, U Need Banyak Reward Point for tukar Barang atau Voucher like e.g $50 KFC Voucher = 11,600 pts as (RM 1 for 1 Reward point)= $11,600 = $50 KFC Vouchers...  
And 1 more, Some of the Credit Card Reward Points gone Expired maybe Valid up to 3 Years only

Why Not now, You just get 1 Cash-Back CC see how the Out Come 1st...
When having Your Salary Increasement later baru apply Another Credit Card as Backup, No Point to apply banyak CC nanti kena Hutang Banyak untuk Kahwin...