since you want no af and you only target mainly grocery (also rarely), i would suggest you maybank islamic mastercard ikhwan gold card: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

annual fee is free for life and you get 5% cb on grocery on friday and saturday.

1. Annual Income: Between 30k and 35k

2. Free Lifetime Annual Fee: A Must

3. Card required for: i dine a lot, and i buy items online sometimes

4. Existing credit cards if any: Nope

5. Looking at CC from: Nil

6. Others: Im sorry if I sound stupid, but I want a credit card that allows me to buy item anywhere around the world through online like ebay,websites without any problem

Wish U Luck on Your Apps, do Update with Us Later

This post has been edited by fly126: Aug 15 2014, 09:30 PM

I) Hong Leong Mach https://forum.lowyat.net/index.php?showtopi...post&p=69394037
OR
II) CIMB Cash Rebate MasterCard (Free for Life) with...
5% Cash Rebate on e-Commerce (online spend), 2% Cash Rebate on Petrol & Groceries http://www.cimbbank.com.my/creditcard/atta...2028%20July.pdf
OR
Just Plain, III) OCBC(Blue/Pink) Mastercard - Unlimited 1% Cash Back on Everything Spend + Lifetime Fee Waiver

This post has been edited by fly126: Aug 15 2014, 10:05 PM

hi thanks for your response, what about credit card mainly for dining?

im deciding whether to side with e-commerce or dining, would be better if i able to compare

In that Case...
HLB Mach will Suits You Better with, 5% Rebate All Dining Outlets & 1% Off for All Online Spend
But...
Need to pay RM5 Subscription Fee every 3 months to enjoy additional categories of Cash Back of the Card
More Details: https://forum.lowyat.net/index.php?showtopi...post&p=69394037

Btw, on Other Option:
Public Bank Visa Signature - 6% Cash-back, On Grocery, Dining, Online Transactions, U Need to have Annual Income RM100k baru can Apply...

Actually, Rarely to have an Entry Level Credit Card (Income Requirement RM24k-36K p.a) with Good Rebate on Dining...

This post has been edited by fly126: Aug 15 2014, 11:46 PM

1. Annual Income: RM30k per annum
2. Free Lifetime Annual Fee: Preferable

3. Card required for: cash back petrol (1st priority) >dining > entertainment & pharmacy shopping (watsons etc)

4. Existing credit cards if any: Nil

5. Looking at CC from: any bank

6. Others: Petrol around RM 400-500 Monthly and weekend shopping not more than RM300

TQ sifu

hlb wise gold 10% if you choose dining category. but need to achieve minimum 10 times of transaction >rm50 per month to activate it.

uob one card with 5%+2% for petrol, entertainment (gsc) 5%+5% (additional: friday buy 1 free 1), pharmacy 2%, grocery 2%, telco 2%, others 0.3%.

one disadvantage is that the cb allocation for petrol usually finished by middle of the month.

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: Not Really

3. Card required for: Mainly for Petrol, Utilities, & Groceries

4. Existing credit cards if any: None

5. Looking at CC from: UOB One Card & Maybankard 2 Gold Card

6. Others: UOB card mainly for BHP (5%+2%) while Maybank 2 Gold Card for paying off utilities via m2u & groceries
shopping on weekends and also to serve as a backup if the petrol quota for UOB used up.
Good combo? Any cons?

Appreciate your kind reply.

Edited 2X Post...

This post has been edited by fly126: Aug 18 2014, 01:03 AM

Hong Leong Bank Wise - 10% Rebates with 10X Retail Transactions (min. RM50 per transaction) & Capped RM100 Cash Back/Month
https://forum.lowyat.net/topic/3156131

This post has been edited by fly126: Aug 18 2014, 01:13 AM

Wrote to RHB Card Centre and hope that they will upgrade my card but I am being requested to visit their nearest branch I thought I can be a bit lazy

I think You also Need to Submit Your Latest Income to Proceed a Card Upgrade, that's why They ask U go to their Nearest Branch or U can sent Your Documentation by email but Whether they X Accept Your Apps (Request) thru email...???

This post has been edited by fly126: Aug 18 2014, 12:57 PM

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: Yes
3. Card required for: Petrol, Utilities, Dining & Groceries, in other words is cash back la. Most of the time will spend less than RM50 for each transaction.

4. Existing credit cards if any: None

5. Looking at CC from: UOB One Card, or a good week day card

6. Others:

Hi, thx for the reply.
Yes, that was the first choice of cc but after calculate it back.
I have to make minimum of rm50 which I have to ensure 10 transaction per month to entitle for the cashback.

As i don't make 10 transaction that much in a month and after much consideration, I end up with those 2 card choices.

This post has been edited by Kr0ll3R: Aug 18 2014, 01:31 PM

Pls, Refer the Post Below for Your Recommendation...

Then You Should Consider to Opt Between:

I) Maybank 2Cards https://forum.lowyat.net/index.php?showtopi...post&p=68551797
or
II) UOB 1 Card https://forum.lowyat.net/index.php?showtopi...post&p=68505615
or
III) CIMB Cash Rebate Gold MasterCard (Lifetime Fee Waiver) - 5% Cash Rebate on e-Commerce, 2% Cash Rebate on Petrol & Groceries
http://www.cimbbank.com.my/creditcard/atta...RebateMCFin.pdf

This post has been edited by fly126: Aug 18 2014, 02:38 PM

The email stated that I have to sign the PDPA declaration!! I thought all this while the bank only send us notice but never requested us to sign anything

Aiks...
Better You go to Bank to do This, hassle free...
Do Remember to Capture Any Doc. that You have Sign later in Case any Happen...

Thx for your help.
I'll go for my initial choice of Maybank 2 Cards & UOB 1 Card combo.