Just a thought, why not consider maybank ikhwan mastercard instead? In terms of benefit it is better than the amex version, plus mc is more widely accepted.

Or hsbc amanah mpower? Or both(one maybank whether amex or master, one hsbc). At least you get your petrol rebate instead of just points.

May I know if I have both maybank amex and mastercard, can I combine treat points?

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Petrol, insurance, phone bills, movies, minor groceries, dining

4. Existing credit cards if any: Nil

Thanks for the advice.
5. Looking at CC from: maybank2cards, hlb wise card, any which suitable

6. Others: Cashback, seldom go out during weekends, SUPP card needed

fly126 I think u better put the max 30 for online transaction for cimb

I heard that UOB One Card has a capped limit of 900k and my mainly expenses are petrol. Is it true?
Yes is True their Petrol CB capped at RM900K /month Nationwide as Sometimes the Quota dah Habis at Mid-Month We X get our Petrol CB

But then I pump at least twice a week. Afraid maybank2cards don't suit my need as only can pump on weekends.

While for Wise card, since there is NO annual fee waiver, and I need a supp card... the cashback might be very minimal.   
Actually, How Much is Your Monthly Petrol Expenses...???

Should be around 400-800/mth... It depends

There is no perfect card 
May I know what will be the best option?

1. Annual Income: > 100k

2. Free Lifetime Annual Fee: Preferred.

3. Card required for:        All expenses on weekend > M2Amex
                                    Dining, Groceries, Online Transaction > PB VS
                                    Plaza Premium Lounge in KLIA > Aeon Gold
                                    Backup Online Transaction > CIMB CB Plat
                                    Insurance > auto debit to PBVS (Allianz Life Insurance does not accept Amex )

4. Existing credit cards if any: M2Amex, PB VS, Aeon Gold, CIMB CB Plat

5. Looking at CC from: MBB Visa Signature, Citibank CC

6. Others:

Currently I'm holding cards as below. My priority would be M2Amex > PBVS > CIMB CB. Aeon Gold just purely BT.

I'm thinking to get a card to swipe for petrol during weekdays and access to PPL on both KLIA and KLIA2.
The best that come into my mind would be MBB Visa Signature. But I don't think I can spend 50K to get Annual Fee waiver (unless they accept BT for 50k usage, do they?).. haha..

Any suggestion for auto debit card that can give cashback for insurance? Initially think of Aeon Watami, but it required 3k spending per quarter. Not sure I can make it or not because my spending kind of random. Sometimes I spend 5k a month, sometimes just few hundreds.

On the other hand, I'm also looking on Citibank CC since the Rm300 cashback kind of atttractive.

Thx all Sifu

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Dining, Groceries, Shopping. Main purpose: Easier to get house loan as bank need check my credibility.

4. Existing credit cards if any:  Nil.

5. Looking at CC from: Citibank/UOB/MBB/HLB

6. Others: Prefer reward point or cash rebate. Sometimes might need use for entertain my clients in dining/coffee. Petrol not a main issue because I got company petrol card to pump my petrol.

Hi All,

1. Annual Income: RM45K+-

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Petrol, Pub/Clubs, Dining (lifestyle related)

4. Existing credit cards if any: MBB2Cards

5. Looking at CC from: Citibank Clear Card or HLB Mach

Any recommendation which has good points or cashback on lifestyle related spending? (Drinking/dining/fashion etc)

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must or can be waived with reasonable number of swipes.

3. Card required for: I'm thinking to replace my OCBC Ti. Cash rebates, dining, movies, gym, overseas travels. Prefer MasterCard to Visa as I have a few Visa already...

4. Existing credit cards if any: Maybank2Cards, OCBC Ti, AEON Gold MasterCard, SCB Plat (will terminate in Jan).

5. Looking at CC from: Any bank

6. Others: I have terminated HSBC Amanah Plat, UOB One Plat and UOB Preferred Plat. Probably will not consider these two banks anymore. My monthly spending is not constant, so just thinking to replace my OCBC Ti which currently my insurance- RM 250/month and Gym subscription - 129/month are tied to it.

1. Annual Income: RM60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: petrol, grocery, pharmacy, mobile phone bill payment.

4. Existing credit cards if any: CIMB PETRONAS MasterCard. Willing to cancel this card, if better card is suggested.

5. Looking at CC from: Nothing specific.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

Thank you for the advice.

dual card which one?im a newbie in cc..

How did you qualify for CIMB Petronas Platinum with RM36k annual salary? The card has a RM60k annual income requirement

i think earlier time the requirement is not 60k.

A year ago, I believe that the annual income requirement for CIMB Petronas Platinum was RM 48k. My annual salary was just around RM 45k. One day during last year, out of nowhere, CIMB Card Centre called to offer me the card, without me applying for it.

Being naïve back then, I accepted the card. After reading this Credit Card subforum and of course General-X blog all this while, I finally realized how useless this card is. So, I follow the general advice here to apply for Maybank 2 Cards, and cancel CIMB Petronas Platinum Card. I have no regret ever since. 

Dear all,

please advise me based on following details;

1. Annual Income: RM48k
2. Free Lifetime Annual Fee: Yes
3. Card required for: Cash Rebate, Petrol, Groceries and Dining (+Overseas usage (not frequent))
4. Existing credit cards if any: nil
5. Looking at CC from: nil
6. Others: nil

Hi Sifus

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: yep

3. Card required for: Cash rebate, general daily usage (groceries, restaurants, etc),petrol

4. Existing credit cards if any: Nil

5. Looking at CC from: cimb

6. Others: i am very noob about credit card,i just want a credit card that have limit in it so i can spent wisely....