https://forum.lowyat.net/topic/1791878

http://www.hlb.com.my/pfs/cc/cc_visa-signa..._visa-signature

Not cheap to maintain having to swipe 30k per annum to waive AF but since 1st year is free no harm to sign up and cancel when near 1 year anniversary. Also on paper the required income is 80k per annum.

Can also look at RHB Signature / Platinum series, 4X entry into any lounge in Malaysia but again the annual fee waiver T&C makes it hard to be kept for long term.

My recommendation for KLIA;

1. Alliance Platinum - 60k PA income - unlimited access to KLIA lounge - AF waived with 12 swipes a year
2. New AEON Credit Card - 36k PA income - 6X KLIA lounge access per annum - 6 months 0% BT - attractive foreign exchange rate for oversea transaction (Based on my experience lower than rates on Visa website)

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: no but at least the cash rebate/points can offset the anuall fee substantially

3. Card required for: Cash back or points equivalent to cash back for usage on weekdays and retails.

4. Existing credit cards if any: MBB 2card, HLB Wise, CIMB plat cash rebate

5. Looking at CC from: Any bank

6. Others: already have WISE for = petrol and utilities only, MBB AMEX = any place that accept it and on weekend, CIMB Cash = rarely used coz the ecommerce mcc is troublesome.
all cards hit rebate capping every month.

so im looking for another cards to be used on weekdays and where amex cannot be used.
thanks

GST only charge 1 card which is only RM50 

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.