1. Annual Income:RM36K ~40k

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. petrol - rm300 per month, groceries rm600~800(baby milk and home use item), phone - rm200(digi and celcom), AIA insurance for me and 2 babies , others like dinning or purchasing online

4. Existing credit cards if any: Maybank petronas gold card , maybank dual gold card(canceled)

5. Looking at CC from: any local card with good benefit, better support lots of merchants with installment,

6. Others: Please be specific.my salary is paid to M2U, so more convince so now i stil using maybank card

currently my mbb petronas gold visa is good for petrol, 8x tp on weekends and 5x on weekday. other transaction rm1 per point.

last time mbb 2 kad only rm1 per 1 tp, since i have my petronas gold 1st so i cancel my dual card.

hlbb wise card need annual fee of 160 for gold, which cant waive it.

normally i go groceries shop for milk powder twice per month , 1 transaction about rm300 more o less. but if i use hlb wise card, need to use 10 time, then i have to go shop more frequent than usual.

me here only gt petronas n shell, no sure if can use amex. but most shop wont accept.

nice calculation, petrol i pump every week
if groceries need to split also ok la, but prefer but 1 time cos lazy always go shop, the more offen u go the more u spend


btw, when to ambank 2day, one of the officer i know also ask me sign up for ambank carz card. 3% petrol rebate and 2% if pay full amount, i calculate seems like no so good, but the officer keep pushing me. haiz maybe no choice hav to sign lo.

she told me is free annual fee, rm50 gst can be waive if u spend rm350 in 2month and they will rebate rm50 for u. dono true o nt, she say only applicable for new ambank card holder

hahaha u wrong, old lady liao, she live near by me and know my father also.