QUOTE(theelectricorgfc @ Jun 7 2012, 12:18 AM)
Hello everyone and Gen-X,

I am thinking of reducing my cards to 2 or 3
At this moment - I use MBF card for everything .. other CCs as back-up
1. Annual Income: RM60K-RM100K

2. Free Lifetime Annual Fee: YES (otherwise have good CS where I can call to get waiver every year )

3. Card required for:
Drinking+Night-time Entertainment = at least RM 1k/month
Petrol = around RM 200-300/month
Insurance = about RM 500/month
Phone = less than RM 90/month
Retail transactions : not more than RM 1k/month

I do not use : AirMiles, Overseas Transactions, Free LCCT Lounge Access or Golf

4. Existing credit cards if any:
MBF (gives bonuslink points), UOB One, HLB Plat, AmBank Gold, HSBC Gold, Citibank Gold and PBB Plat (Mutual Gold one)

5. Preferred Bank or Considering CC from banks: any bank CC is OK. i will call CS to get that card too if really good. just got a call from SCB for their Business Platinum (0.3% cash back on all transaction except petrol, no cap)

6. Others:
a. Looking for card with 'best' cash-back and with points ! (otherwise best cash back only is OK too)
b. financial discipline = 5/10 (sometimes forget to pay before due date lah haha) - so cannot be too complicated, now already quite blur haha
c. now based in penang (KL mari punya)

7. Estimated Spending per month with the card: easily 2k-3k per month
(total spent in 2010 : 39k / total for 2011 : 39k)

Your cards all useless Go get Maybankard 2 Card and earn yourself RM600 in cash back and minimum 120K Treats Points in a year with RM2K spending a month. For your easy reference, click here to read my article on Maybankard 2 Cards. . Check if your drinking place accept AMEX. For insurance most probably not unless yours is AIA where certain offices accept AMEX.

Also do consider OCBC Titanium cash back where you earn minimum 1% cash back (good for your insurance) and 5% for Telco, Dining, Utilities and Petrol.