1. Annual Income: RM70K

2. Free Lifetime Annual Fee: prefer

3. Card required for: Cash Back Rebate. Mainly for petrol. others like, grocerries, maxis and insurance

4. Existing credit cards if any: MBF and citibank gold card

5. Looking at CC from: any

6. Others:

thanks for the suggestion from all sifus ~~~~~~

thanks ,bro. howabout uob one card ???

thanks for the info , sifu !!!!

how about any card for insurance payment by auto debit

1. Annual Income: RM 57K

2. Free Lifetime Annual Fee: prefer

3. Card required for: during emergency situation or to be used oversea

4. Existing credit cards if any: None

5. Looking at CC from: any

6. Others:

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: preferably no AF

3. Card required for: not avid user. mostly on groceries, fuel, online purchase, phone and internet bills, 

4. Existing credit cards if any: None. Had UOB one card, cancelled last year.

5. Looking at CC from: any

6. Others: prefer cash back over treat points

Thanks in advance.

saw my HSBC gold card statement, kena charge for Goverment tax and annual fees..

so i call to cancel the card and instant they updgrade my card to HSBC Amanah Mpower Visa Platinum Credit Card-i which i can enjoy 8% cashback ( min spend 1501 permonth la)

need help:-

current holding -
- Tesco RHB card - 2x tesco point
- HSBC gold normal - planning to cancel but got offer the upgarde

Today happen:
- got call by cimb to offer me RM150 cash bonus and platinum cashback card ( already agree to take)
- in the middle of applying Maybank AMex card

so sifu outthere, any advice? i only aim to carry 2 CC.. Maybank and HSBC cc need to use in weekend to entitle for the high rebate.
any advice?

My plan:-

tesco card = i buy alot from tesco so i keeping it

Utilities and bill payment: CIMB? HSBC or Maybank AMex better? ( planning to do auto debit )

weekdays benefit:
AMEX(point only)
HSBC(0.5%)
CIMB( 5% grocies, 0.2 normal retail) 
RHB( only tesco 2% + clubcard x1)?

weekends benefit:
AMEX(5%)
HSBC(5% if less then 2k, over 2K is 8% which never will happen to me)
CIMB( 5% grocies, 0.2 normal retail)  same as weekdays..
RHB( only tesco 2% + clubcard x1)? same as weekdays..

 

seem winnar is AMEX for weekend and CIMB for everdays use..
i think will keep RHB just for tesco ( if they able to lift the gst charges i will keep it )
ohya.. last question.. among thes card.. which is good for paying insurance like great eastern, AMEX is out.. ( CIMB or HSBC only i guess.)

How's HLB Wise compared to:
Citi Cash Back Platinum Card
http://www.citibank.com.my/english/credit-...ck-platinum.htm

1. Annual Income: RM36K to RM60K
2. Free Lifetime Annual Fee: Preferred , not a Must
3. Card required for: Petrol, Groceries, Cash Back/Rebate.
4. Existing credit cards if any: Citibank Air Asia, OCBC Platinum (going to receive, just for the free Huawei Pad :-) )
5. Looking at CC from: ???
6. Others: I want cash back only and no reward points.

u got me wrong. There is not a single word in my sentence i told you guys that i signed up for anything. Do i?

my question was, why Amex have higher cashback or TP compared to master/visa?

Since free AF is a must, no CC will suit ur requirements.

PB VS i tot is 180k yearly income?

1) hlb wise 10% - need to choose dining category
2) pbb vs 6%
3) mbb2amex 5%+5xtp - on weekends
4) aeon watami 3% - more rebates if dine at watami

not exactly...
hlb 5811, 5812, 5814
pbb 5812, 5813, 5814

yup, that's right. you want both to compliment each other? hehe.

I need help to recommend on which credit card I should apply.

1. Annual Income: +- MYR100k

2. Free Lifetime Annual Fee: if possible

3. Card required for: cash back or good reward points on groceries, bills, etc

4. Existing credit cards if any: RHB Classic

5. Looking at CC from: any international banks

6. Others:  if possible the reward points do not have expiration date or cash back do not have minimum spending per month.
TQ 

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: if possible

3. Card required for: ez payment (mainly) , cash back

4. Existing credit cards if any: HSBC amanah platinum , HSBC amanah visa , UOB Vox Card

5. Looking at CC from: NIL

Thanks !

1. Annual Income: RM200K

2. Free Lifetime Annual Fee: Preferably but if rebates can comfortably off-set fee should be ok

3. Card required for: Petrol, Groceries, Dining, Utilities

4. Existing credit cards if any: Citibank Platinum (no rebates) & OCBC Titanium

5. Looking at CC from: No preference but want the best rebates possible

Thanks.

1. Annual Income: RM30k+

2. Free Lifetime Annual Fee: Yes
3. Card required for: Petrol, Utilities, Dining & Groceries.Mainly is use for Petrol. Topup Touch&Go.

4. Existing credit cards if any: None

5. Looking at CC from: UOB One Card because i pump BHP, or any better suggestion?

6. Others: Nil

Please suggest me a CC that is good in term of Cash Back for Petrol. 

1. Annual Income: Above RM170K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Travel, Petrol, Insurance,  Overseas Transactions, Free Lounge Access

4. Existing credit cards if any: Maybank Visa Gold

5. Looking at CC from: Any

6. Others: