1. Annual Income: min RM96000 (sole proprietor - 2years++)
2. Free Lifetime Annual Fee: Must
3. Card required for: Petrol, shopping malls, groceries, insurance, utility bills - auto payment
4. Existing credit cards if any: MBB Petronas Gold (RM 10k limit), citibank gold (supp card) (RM19k limit)
5. Looking at CC from: anything
6. Others: prefer RM20k limit

plan to cancel both card and apply 1 card that can have RM20k.
please advice.
thanks

Gen-x, what is my next card that I can apply as I have DA Plat with CL RM20k and maybank 2 cards Gold with CL RM5k? Maybank still dont wan upgrade my M2C Gold to Plat

what card you can apply? what are your needs Bro? You want to be crazy like me and collect cards? hahaha How about OCBC Titanium MasterCard?

1. Annual Income: RM48 to RM60K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Balance transfer, Petrol, Cash Back/Rebate, Free hotel, Movie tickets
4. Existing credit cards if any: RHB
5. Preferred Bank or Considering CC from banks: Cimb, Maybank
6. Others: Please be specific.  The main objective is for CIMB Balance Transfer with 0% interest for 6 months and continue with maybank for 0% interest 12 months
7. Estimated Spending per month with the card: Less than RM1K

You already stated main reason you want CIMB and MBB, so I guess you better be quick and go apply for the CIMB as the 0% BT ends this month. As for MBB, apply for the MBB Dua.

1. OCBC for Petrol (and if your petrol bills do not add up to RM1K, charge some utility bill to it) Monthly rebate RM50. Annually cash rebate RM600. Also Rm50 GST waived.
2. Alliance Bank Platinum credit card if you got monthly insurance or any other monthly expenses that is not chargeable with Amex card. Cash back applicable up to usage of RM5K where you get RM68+/month. Annually you'll get back more than RM800. On top of cash back, Alliance do reward you evergreen unlimited reward points RM1 = 1 point for local transaction.
3. Charge the rest into Maybankard 2 American Express and get 5X Treats Points equivalent to 2.5% return (better than Alliance) and maximum RM600 cash back annually if you spend RM1K every month on either Saturdays or Sundays.

From 3 cards above, possible max CASH back around RM2000 per year with RM7K monthly spending. Yet to even include Alliance reward points and Maybank Treats Points.

Your HSBC use when you get discount at merchants only, hahaha
0% installment, go check the merchant where you want to purchase the stuff accept what card and then go apply that card. No point I tell you go get Maybankard 2 Cards and the merchant don't accept Maybank for 0% installment. But I think most merchants accept Maybank cards for 0% installment.

Seeking your advice regarding monthly payments.

Is there a free automated way to pay OCBC and Alliance cards? My wife complaining she has to send/drop cheques at different banks 

For maybank, it's ok cos I have maybank2u. 

Can maybank credit card be used to autopay OCBC and Alliance? 
How you pay so many cards every month? 

Hi,

I'm looking for more info bout getting CC, this thread is like oasis to me. =)

1. Annual Income: 24k - 30k

2. Free Lifetime Annual fee: A must

3. Card Required for: Petrol, rebate, online transactions, groceries, dinners.

4. Existing CC: nil.

5. Preferred Bank/CC: Reading the posts here, I guess Maybank Dua.

6. Others: Here is the tricky part, I'm not Malaysian. I'm a Indonesian who is under Expatriate Program in MY (I married to a MY), currently under visa & work permit.

I've read some information in webs saying that Expatriate in MY is eligible to apply CC, but I'm not sure how accurate the info is.

Would greatly appreciate if anyone here could shed me some light on this issue.

hye really need ur help to get the best cc

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: overseas, book flight, shopping

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: not sure

6. Others:want a low interest and best one if i take supp cc also

7. Estimated Spending per month with the card: 1 to 2  k

tq

1. Annual Income: RM36K to RM48K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol Rebate, Book flight & Online purchase
4. Existing credit cards if any: Maybankard Visa Classic & Maybankard MasterCard Classic (joint)
5. Preferred Bank or Considering CC from banks: MBB or etc
6. Others: want to change my current card cuz paying too much annual fee & tax
7. Estimated Spending per month with the card: Less than RM1K

hye gen-x, mind to give me some advise;

1. Annual Income:RM36K to RM48K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Overseas Transactions, Impulse Purchases
4. Existing credit cards if any: non.
5. Preferred Bank or Considering CC from banks: is there any islamic type of credit card?
6. Others: -
7. Estimated Spending per month with the card: Less than RM1K, but maybe due to impulse purchases, exceed dat amount. such as buying a kick ass handphone..

hye gen-x, mind to give me some advise;

1. Annual Income:RM36K to RM48K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Overseas Transactions, Impulse Purchases
4. Existing credit cards if any: non.
5. Preferred Bank or Considering CC from banks: is there any islamic type of credit card?
6. Others: -
7. Estimated Spending per month with the card: Less than RM1K, but maybe due to impulse purchases, exceed dat amount. such as buying a kick ass handphone..

Need some advise..
1. Annual Income: RM30K to RM36K
2. Free Lifetime Annual Fee: No.
3. Card required for: Petrol, Cash Back/Rebate Only, online banking security.
4. Existing credit cards if any: None
5. Preferred Bank or Considering CC from banks: Citibank / other non local bank
6. Estimated Spending per month with the card: Less than RM1K
Another question is visa or master? i dunno whats their differences.