Hi All,

Need your advice on selection on the CC.

What is the CC that have a best cash back (preferably weekdays spending) for all requirement perhaps (most important; petrol, groceries, insurance, phone bills, utilities)
PLUS with the additional features of have FREE airport lounge? (is there any? )

annual income: 100k.

Thanks!

any new best cashback/points card?

1. Annual Income: RM 65k
2. Free Lifetime Annual Fee: Must
3. Existing credit cards: MBB2 Amex, MBB Petronas Visa, HLB Wise, CIMB Cash Rebate
Current MBB2 amex and hlb wise cashback are maxed

hi all,

1. Annual Income: RM 80k

2. Free Lifetime Annual Fee: Must

3. Card required for: List all your needs. Petrol, bills, grocery, shopping

4. Existing credit cards if any: mbb2 amex, ocbc cc going to terminate the card due to cash back reduce to 0.1%

5. Looking at CC from: open at the moment
6. Others: I want cash back  especially on the weekdays ,i have amex for weekend already

Thanks!

1. my credit limit : RM 40k

2. Free Lifetime Annual Fee: optional

3. Card required for: List all your needs. Petrol, bills, grocery, shopping, online billing payments

4. Existing credit cards if any: mbb2 amex, ocbc cc

5. Looking at CC from: open at the moment

6. Others: whats the best cards must get in 2015  given that mbb 2 cards have somewhat lost its shine.  airport lounges.  my total monthly weekday spending is less than RM1k.

1. Annual Income: from rm30k++ jump to rm80k++ (change job+position+salary)

2. Free Lifetime Annual Fee: A must lo, unless cashback significantly more than annual fee

3. Card required for: cash back for petrol/toll(tng zing)/bills/groceries and the occasional yamseng (1x a mth)

4. Existing credit cards if any: maybank 2 cards gold + citibank cash back (will terminate citi after get rm50 gst refund since rm120 annual fee and not much rebate, hate the rm50 rebate blocks)

5. Looking at CC from: no idea

6. Others: Since new job require tons of travelling, cannot rely on weekends for petrol cash back. Current maybank tng zing reload fees quite high too. Seeing if new annual income jump can bring me more cashback rewards. I estimate an increase in expenditure to 2k mthly (previously less than 1k mthly).

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate/installment (intend to use for Petrol & Grocerios only plus installment on electronic products)

4. Existing credit cards if any:

2012 had cc maybank & cimb.

Maybank i pay min everymonth till now but intend to clear off this month. about 1.2k left. in CCRIS, it shows "belum jelas" but its not under special interest. 0000 for the past 12 months
For CIMB, i defaulted payment and started paying in 2014. January 2015, i completed paying and got release letter already.
Also just completed pay off RHB easy late last month (April 2015)

5. Looking at CC from : IDK!! so many.

6. Others:

a ) if i finish paying maybank cc, how fast i can reapply for their cc?
b ) what will happen if i apply cc from many banks at 1 time?

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: eave blank

2. Free Lifetime Annual Fee: Prefer if free

3. Card required for: travel or non petrol related

4. Existing credit cards if any: Maybank 2 card

5. Looking at CC from:

6. Others: Looking around for card that can benefit for holiday travel once or twice a year to compliment my maybank card

By filling up the above, then others can make suggestion based on your needs. Actually, if you list out item 3, you yourself poost probably have answered your question above.

it will be hard for us to suggest if you leave your annual income column blank.

by the way, why do you put your ic number as your username?   

Sorry. Income about 36k to around 60k. Only want to use for travel or weekday spend or merchant not accept Amex. Main is holiday travel once or twice a year la cos maybank2 card not have the benefit.

Oh haha the ic no can't change liao right? No choice

Sorry. Income about 36k to around 60k. Only want to use for travel or weekday spend or merchant not accept Amex. Main is holiday travel once or twice a year la cos maybank2 card not have the benefit.

Oh haha the ic no can't change liao right? No choice

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Dining, Clothes, Online Purchase, Cash Back.

4. Existing credit cards if any: MBB2Card

5. Looking at CC from: Hong Leong Mach Visa, HSBC Amanah Mpower Visa

6. Others: Wanna get another CC to get more cash back in addition to the current MBB and also for weekday purchase.

Additional Q: Usually the minimum income is based on the Basic Income or whatever shown in payslip? As my payslip actually shows all allowances inclusive claims.

Hi all,

1. Annual Income:RM36K to RM60K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Mainly petrol and groceries (ie Tesco) and some online bills

4. Existing credit cards if any: m2c Platinum

5. Looking at CC from: CIMB

6. Others: Need mainly for cash back on WEEKDAY.

Spending not fixed every months, sometimes high, sometimes low.
Need really flexible one like m2c.

Cashback : 2 - 5%