1. Annual Income: RM36K to RM60K
2. Free Lifetime Annual Fee: A Must (or auto waived with condition)
3. Card required for: Petrol ~RM500, Groceries ~RM250, Dining ~RM300-600, and other. Cash Back is priority.

4. Existing credit cards if any:
HLB Wise for petrol, dining & mobile to get 10% cash back.
Standard Chartered Visa Gold for insurance.
Citibank Cash Back, UOB ONE, OCBC Ti, for dining and other.
My partner has Maybank2Card and UOB Lady.

5. Looking at CC from: Maybank Islamic MasterCard Ikhwan, HSBC Amanah MPower Visa Platinum, CIMB Cash Rebate Platinum, or any suggestion
6. Others: I am looking for credit card with high cash back to replace OCBC Ti and Maybank2Card.

1. Annual Income: RM 32k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Mostly for petrol and shopping

4. Existing credit cards if any: No

5. Looking at CC from: Any bank that can give best advantage (cashback or point)

Looking for my first CC,,,,,,,,
Thank you for the help

uob one, mbb ikhwan, cimb cr plat.

is it no good if i apply Maybank 2 card??

It was good previously but it will revise its benefits from 1st August onward.
The 5% weekend cash rebate is only applicable for dining via AmEx. Unless you dine a lot during weekends and those places accept AmEx, then MBB2Cards is a better choice.

But well, yet it still has 5xTP which gives about 1.25% return.

That said, your income is below RM 36k, so you are only allowed to have two issuing banks' cards. So, you have to prioritize your usage.
It is better to apply for cards which give you cash back now rather than points.

Hi, can anyone intro me credit card I should get as my second card?

1. Annual Income: Below RM 60k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol and/or Restaurant and/or Shopping. (Prefer Cash rebate)

4. Existing credit cards if any: Hong Leong Wise card (I oledi on the max I can rebate so I want to get another card to get more benefits)

5. Looking at CC from: prefer cash back, if not point also ok. Any bank. No restriction like only can use during weekend.

Anyone know a good card that can goes well with my HLB Wise??

Hi, can anyone intro me credit card I should get as my second card?

1. Annual Income: ~RM 60k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol and/or Restaurant and/or Shopping. (Prefer Cash rebate)

4. Existing credit cards if any: Maybank2Card (lower point convert rate now + 5% cash back will only be applicable for dinning soon >.<)

5. Looking at CC from: prefer cash back and points. Any bank. No restriction like only can use during weekend. If possible, Airport Lounge and golf benefit.

Hi, can anyone introduce me to a credit card I should get as my second card?

1. Annual Income: ~RM 120k

2. Free Lifetime Annual Fee: Yes

3. Card required for: payment of Utilities & Petrol & Telecommunications (Cash rebate)

4. Existing credit cards if any: Maybank2Card

5. Looking at CC from: prefer cash back. Any bank.

Hi, im looking for a credit card replacement after M2AMEX benefits has been reduced.
1. Annual Income: RM60K.

2. Free Lifetime Annual Fee: Yes.

3. Card required for: Petrol (RM300/month), Groceries, Dining

4. Existing credit cards if any: M2AMEX, CIMB Visa Signature

5. Looking at CC from: MB Ikhwan Visa, Citibank CB, CIMB CB, UOB One

6. Others: Please be specific. Swipe mostly for petrol and sometimes others. (<1k/month spender)

Thank you.

uob one

uob one, mbb ikhwan, cimb cr plat.

1. Annual Income: RM 32k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol, shopping, bills, online shopping

4. Existing credit cards if any: No

5. Looking at CC from: CIMB Cash Rebate Gold MasterCard

Cash back or rewards point, which one more rewarding?
my total spending for shopping, bills, petrol for 1 month usually less than 1K only
is it possible to collect points from car loan payment?

UOB One charge annual fee, right?

cimb cr plat annual 60k right?

Cash back would be better at lower income level.

Points hardly can redeem anything unless you are a high spender.

For petrol, 2%. For online, 5%. Bills only apply to standing instruction.