1. Annual Income: RM30K to RM36K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Dining, Groceries, Utilities, Online Shopping

4. Existing credit cards if any: PB Visa Gold Credit Card.

5. Looking at CC from: Nil

6. Others: I want cash back only and no reward points.

1. Annual Income: RM30K to RM36K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Dining, Groceries, Utilities, Online Shopping

4. Existing credit cards if any: PB Visa Gold Credit Card.

5. Looking at CC from: Nil

6. Others: I want cash back only and no reward points.

Maybank Ikhwan - petrol and groceries on fridays and saturdays
HL Mach - Dining
CIMB CR - Online shopping and utilities if by standing instruction
UOB Vox - Online shopping

Thank you Bro for the recommendations and detail explanation.     

AEON Watami, you are right!!! Above RM1K average per month up to RM1667 average per month.

OCBC GE 1% for less than RM1K  Going to promote this FREE FOR LIFE card, haha.

SCB a bit tricky like you mentioned because of monthly cap:

Spend between RM500 tp 800 cap is RM10/month!
Spend between 800 to RM1500, cap is RM20/month
Spend above 1500, cap is RM50/month.

So if one spend between RM1000 to RM1500 per month, easier to just go with AEON Watami where we get guaranteed 3% cash back PLUS points.

Say a person spends RM700 per month. RM700 x 2% = RM14. But cap RM10. Therefore cash back = 1.42% which is pretty good.

Per year = RM 120 cash back. Annual RM185.50. Effective cash back with annual = NEGATIVE!!! This card no good if spend below RM800 unless annual fee waived.

Say a person have fix RM900 expenses per month. RM900 x 3 = RM30 But cap is RM25. Therefore % cash back = 2.77%, very good since more than 1%.

Total cash back per year = RM300.

Effective cash back = (Total Annual Cash Back - Annual Fee) / Total Annual Transaction =  (RM300 - RM185.50)/ RM10,800 = 1.06%   

Sifu Devil4life, you're my hero      SCB Gold Card really good for RM800 to RM1K if the annual fee can be waived yearly. I am sure everyone would be happy to go beg for annual fee since get increase the cash back more than 100%!!! If not, use 1 year and then cancel the card

Side note, I called SCB CS, boy they are like HSBC, I got to press this and that before I get to talk to a human being. Anyway, the SCB CS confirmed first year annual fee waived tfor the gold card and second year annual fee will be imposed but can request for waiver.

The best card for online transaction is only CIMB CR, UOB VOX and HL MACH?

Public bank Visa Signature too..

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: a must if possible.

3. Card required for: Petrol, Groceries, Utilities, Online Shopping

4. Existing credit cards if any: no

5. Looking at CC from: no

6. Others: cash back. best if include travel insurance. annual expense to be under 6k for annual fee waiver.

Hi there. I'm currently looking for a 2nd credit card for other benefits/promotions from other banks

1. Annual Income: RM36K - RM40K

2. Free Lifetime Annual Fee: A Must

3. Card required for:  Petrol, Cash Back/Rebate Only, Dining, Retail & Online Shopping

4. Existing credit cards if any: Currently using UOB One Card

5. Looking at CC from: Citibank / Maybank / CIMB / any other banks also can be considerable

6. Others: I want cash back only.  I don't know whether the reward points can bring any benefits because I'm not so clear about. I hope someone can explain about it.
I hope all the sifus here can clear things up for me. Cheers. 

Hey guys, haven't been keeping track of the credit card scene for the last 3 months. Has there been any new eye catching cards that came out? Thanks.

Please follow the template in post #2.
Everyone has different requirements.

Much apologies

1. Annual Income: <RM60k

2. Free Lifetime Annual Fee: Must

3. Card required for: Rebates

4. Existing credit cards if any: MBB2Cards + CIMB Online

5. Looking at CC from:

6. Others: Already did intensive research on the best credit cards a few months ago. Now just wondering if there is anything new that is eye catching on the market (e.g. anything similar to old MBB2Cards with 5% rebate for anything on weekends)

The answer is no, unfortunately. You have to mix and match from different cards to get the same thing with M2Cards AmEx.

The nearest is probably Aeon Watami, 3% every quarter with minimum spending of RM 3k per quarter. All spending except for petrol are entitled.

Any good cash back card for insurance? Currently 3k half yearly. Looking at Aeon Watami (purely for insurance only), but need to swipe 12 times to waive the AF. Any alternative?

That's the best card for insurance, really.
12x is easy... You can just swipe RM 1 for 12x.