Dear Gen-X / Guys ! need your precious advises.........

my current situation.......

* MM2H expat [ jobless ]

* Got local & overseas Rental income.

* Own stay Condo at KL for permanent address.

* maintaining savings & property loan account with SCB & UOB for 3 years.

* primary intention to fly back home around 6 to 8 times a year.
1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: AirMiles preferably MAS + KL Living expenses.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybank - Maybankard 2 Amex, Visa infinite, Citibank - Premier Miles, OCBC - Titanium Mastercard.

6. Others: I am a foreigner + freehold property investor.

Getting Near to my Cimb Visa credit card anniversary soon.. decided to cancel it as did't have much chance to use it

Currently, both my wife and I using Maybank 2cards, both of us fully utilize the rebates during weekend..

1. Anual income : 100k
2. Free Lifetime Annual Fee: Prefered
3. Card required for: Weekday shopping..  Anycard give cash rebate for insurance payment or for utilities (electric and telephone)
4. Existing credit Card : Maybank 2 card, Citibank cashback (petrol)

u can go for hlb wise for mobile and utilities/petrol/groceries (pick 2), for insurance go for aeon watami

aeon watami apply to all insurance company ? what is the rebate ?

3% quarterly rebate for any transaction (except for petrol) on any day. the only requirement is to spend at least 3k per quarter to activate the 3%.

3k per q... i cant meet this as my monthly AIA DD is around RM500, about RM1500 per q.

any other cc that i can take advantage from with AIA monthly DD ?

i know OCBC offer 1% cash rebate but try to earn more than that.

3k per quarter for anything. just move your other 1.5k transaction from your other cc to this card every quarter.

e.g on watami aeon card :-

1st month spend 1K
2nd month spend 1K
3rd month spend 1K

add up 3K per q, so qualify for 3%, the 3% cash back will be 3% over 3K spend = RM90 ? or cap at certain amount ?

1. Annual Income: below 22k

2. Free Lifetime Annual Fee: A Must.

3. Card required for: petrol priority SHELL bcoz of travel alot

4. Existing credit cards if any: none

5. Looking at CC from: maybank if possible or other

6. Others:dont have any commitment on any bank..my bro said need to have commitment coz later easy to approve any loan.

1. Annual Income: below 22k

2. Free Lifetime Annual Fee: A Must.

3. Card required for: petrol priority SHELL bcoz of travel alot

4. Existing credit cards if any: none

5. Looking at CC from: maybank if possible or other

6. Others:dont have any commitment on any bank..my bro said need to have commitment coz later easy to approve any loan.

ahhh..too bad...btw thx alot.

MBB2Card for Petrol and Utilities.

For 0% instalment plans... instead of JUST getting the cards that are tied to merchants, one can make use of 0% Balance transfer

balance transfer

and also cards like this:

ocbc silver mastercard

or just apply from 2 banks?