4 years ago, I learned a lot from this forum, and was happy with my combination of credit cards. Until the OCBC Titanium changing to 1% unlimited. I am now thinking to plan again the use of credit cards.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (Mobil/Esso/Petron):~RM450, Maxis bill:RM150, dining:~RM200-400, groceries, utilities bill

4. Existing credit cards:
(1) OCBC Titanium for dining, groceries, and utilities bill,
(2) UOB One for petrol,
(3) Standard Chartered Visa Gold for any expenses if OCBC and UOB exceed the monthly cash back cap,
(4) CitiBank AirAsia for TGV

5. Looking at CC from: MayBank 2 Card, HLB MACH, or other suggestion to replace my current OCBC Titanium

6. Others: It's been some time that I have not study about credit cards. I think I need to revise it.

This post has been edited by ckuanglim: Dec 15 2013, 02:15 AM

I did look at the HLB Wise card, but 10 x RM50 swipe are not easy.
Besides, HLB Wise card also charge annual fee.

This post has been edited by ckuanglim: Dec 15 2013, 10:41 AM