Better choose other category where you often spent $$ on.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: is ok as long it is worth

3. Card required for: Petrol,, Cash Back/Rebate , electric and water bill

4. Existing credit cards if any: no

5. Looking at CC from: no

6. Others: can pay with my M2U online savings account .

Thank you all sifu.

This post has been edited by yonghong: Apr 9 2014, 10:39 AM

Maybank2Kard Amex & HLB Wise, read up respective product for more info.

the most suitable for you is mbb2cards.

ok thy bro.

1. Annual Income: RM25k

2. Free Lifetime Annual Fee: is ok as long it is worth

3. Card required for: Petrol, Cash Back/Rebate , telco & utilities bill

4. Existing credit cards if any: no

5. Looking at CC from: UOB One card or Shell Citybank Gold Card

6. Others: can pay with cimbclicks online savings account .

The best card for you is Maybank 2 Amex but you're short of requirement ( RM30k) . So you may choose either UOB One card or Hong Leong Wise Card. UOB Cards are easier to apply but the benefits is not as good as compare to Wise card. Wise Card , on the other hand, provides CB of 10% from your 2 chosen categories + Mobile but you have to make 10 tranx. of min. RM 50 to activate the payout!

Once your income touch RM30K, like Wongchoy said, go get Maybankard 2 Cards.

In the meantime, also like Wongchoy said, get UOB One Card, 5% for Petrol (if you pump at BHP better still). However for most other expenses you get miserable 0.3% csah back except for Groceries and Mobile Phone bills.

So maybe you should also consider the FREE FOR LIFE OCBC Titanium MasterCard which earns you 1% cash back for any type on transactions.

Having said the above, I doubt you will spend more than RM1K per month, as such you need to consider GST 100 per year for 2 cards.

Click here to read my article The Best Cash Back Credit Cards in Malaysia. I have prepared a table comparing different cards for multiple expenses. Based on that table, insert your expenses and see which card earns you most in cash back.

Thank you alot bro. bt i no spend more than rm50 for 10 times .so i think maybank2card suit me most.

woah bro. very details from ur blog. very helpful. i think uob one card is another option for me other than maybank2card. Thank you very much bro!!

Any recommend card to use for pay insurance premium for over rm6k?

OCBC 1% rebate = rm60
aeon watami 3% but cap to rm150 = rm150

Any others option?

bro, one question, the promotion date state on uob websites going to end 30 april, so after tat will not get 5 percent rebate ad?

that's for smart$ promo only.

ocbc world 1.2%
hlb essential 1%

UOB One - 3% Smart$ rebate. For UniAsia only.

Thereafter it's 5% cash + 2 % Smart$

1. Annual Income: RM33k ( GROSS Salary )

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (myvi) , grocery , shopping once a while.

4. Existing credit cards if any: Nil. 1st time user wanted to get a credit card

5. Looking at CC from: No idea at the moment...

6. Others: I prefer cash back instead of point... and i only have public bank account the payment to the CC bank should be easy for me.. like taking cash bank in? or online transaction?

get mbb2cards for a start into cc world. payment to cc can be done by ibg from your public bank account at the cost of 10 cents per transaction. very convenient.

1. Annual Income: RM96K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, ,Cash Back/Rebate Only, Toll, Public Transport

4. Existing credit cards if any: Nil.

5. Looking at CC from: RHB, Maybank or CIMB

6. Others: Familiar with Maybank2u & CIMB Clicks

This post has been edited by ragnarock2005: Apr 11 2014, 08:22 PM

i would suggest mbb2cards. use amex for 5%+5xtp on weekends.

https://forum.lowyat.net/topic/3140027

My wife is looking for 2nd card to complement her MBB Amex. Her usage is groceries, dining, a bit of petrol. Looking through the card threads, I noticed UOB One card is suitable for her needs. Any other better cards around? Any disadvantages to this card? Thanks.