I posted on purple wording. haha.. din realised it is quoted.

1. Annual Income:RM180K and above

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only , insurance, shopping

4. Existing credit cards if any: rhb gold if not mistaken

5. Looking at CC from: not sure

6. Others: I wan more cash back as I planned to purchase my first house..... Tq....

1. Annual Income:RM50K

2. Free Lifetime Annual Fee: Free or swipe x times to get waived

3. Card required for:Cash Back for utility( electric, water n streamyx) and insurance.

4. Existing credit cards if any: HL wise. Fully utilise for grocery, petrol n mobile bills.. cimb Cash rebate for online purpose if needed.

5. Looking at CC from: any

6. Others:

1. Annual Income: Above 60k

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: Cash Back/Petrol/Online Shopping/Online Bills

4. Existing credit cards if any: HLB Fortune & Citibank Cashback Platinum(going to cancel this as they do not want to waive my annual fees this year)

5. Looking at CC from: nil

6. Others: Looking for better cash back as coming months will need to spend alot for new house.

1. Annual Income: 60k - 80k

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: (i) Cash Back/Petrol
                              (ii) Pay Online for Bills, Utilities, House Installment, Insurance
                              (iii) Plan to buy furniture & home appliances (via EPP) + do renovation for new house at end of this year
                              (iv) Others online/ normal transactions (dining, shopping etc)

4. Existing credit cards if any: Maybank Ikhwan Mastercard

5. Looking at CC from: Any (Islamic)

6. Others: Cash Back/Rebate/Points

What is the best credit card (cash back) for Petrol?
Thanks.

1. Annual Income: RM180-200k

2. Free Lifetime Annual Fee: Yes, but I don't want those with min spending

3. Card required for: Cash back for everything, air miles or free lounge entries would be even better

4. Existing credit cards if any: UOB One, Maybank 2 Card Plat, CIMB Cash Rebate Plat, Amex Plat

5. Looking at CC from: any bank, but I've identified PBB Visa Sig and maybe RHB WMC

6. Others: Cash back or air miles or free lounge entries

That's why I couldn't find the card in HLBB website. Not so sure which one to pick then. Will be using my MBB Ikhwan card most of the time I guess, but will keep the new HLBB at least until the 12 month installments finish. Just look at HLBB Wise card, sadly no AF waiver. Any other suggestion sis?

Thank you, so if the installment total amount is more than RM8k, I'll directly entitle for AF waiver. Then cancel it in the second year.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Either Free or Waivable with easy conditions (swipe 12 times, etc)

3. Card required for: Overseas Transactions, and local utilities etc.

4. Existing credit cards if any: Maybank2Card Gold, Citibank Clear Card

5. Looking at CC from: CIMB Cash Rebate Platinum MasterCard, Public Bank Visa Signature

6. Others:

Currently I'm charging everything to MBB2Card AMEX whenever possible to get 1.25%(?) equivalent cash back in the form of TreatPoints. But as I frequent overseas business trip, not sure if there are better cards out there that I can reap benefit/cash back(preferred). Approx spending of MYR 5k~20k+ per quarter - huge chunks on hotel.

Am also considering PBB VS / CIMB CB MasterCard for my bills / online purchases, but bills wise it's really little (<=RM500 per month). However in few months time I'll be posted for short term overseas assignment and still hesitating whether to use local cards, or to collect Malaysia Card's point (for long term).

Annual Income: 85K

2. Free Lifetime Annual Fee: Yes, or if conditional waived, or benefit outweight annual fees

3. Card required for: cashback, promotion, discount when purchase, Airport PPL

4. Existing credit cards if any: Plat Visa Ikhwan, Plat 2 cards, Gold  Amex Charge Card

5. Looking at CC from: any bank

Thanks SIFU!!!!

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: Above 180K

2. Free Lifetime Annual Fee: Not necessary if got good benefits

3. Card required for: (Priority Wise) Dining and Drinking, Airport Lounges (worldwide), petrol (Petron) above 2K for petrol

4. Egnaturexisting credit cards if any: HSBC Visa Signature, HLB Platinum, GSC Platinum

5. Looking at CC from: No preference

6. Others: I don't really mind about reward points cos I'm quite sloppy but hopefully cash back should be able to get some instant cash back upon using.

For Visa Ikhwan: My 1st CC. Dunno, just signup cause 8X point on Groceries (I run Restaurant)

Amex Charge Card: I like the design only: like those free fake paper card that we get whenever we buy Wallet in pasar Malam. Just for the sake of memory. LOL.

I am hunting for more benefit and promotion and as collector (starting). Sad as Citibank reject.

My annual income only 85k, still can apply for Ambank VS?

Thanks!!!

Good advice! No wonder Citibank rejected. So sad. hehe

Any advice on HSBC?

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must or with minimal swipe

3. Card required for: Petrol, Cash Back/Reward point For Petrol, TAG, movie, online shopping and dining, total expenses not more than RM1k per month

4. Existing credit cards if any: First card to build some credit history

Thank you!

Look like it is very similar to HLB Essential before it adjusted the cash back scheme. I'm wondering why HLB launched two cards with similar benefit. What's the difference between them? Any catch for Fortune card? Look likes too good to be true. 

Edited:
From the TnC, seem likes we need to spend at least RM2k to get the cash rebate. My spending is not that much, less than 1k per month. Any other card to recommend?

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must 

3. Card required for: Cash Back/Rebate + Rewards(if applicable)

4. Existing credit cards if any: Nil.

5. Looking at CC from: CIMB CashBack & Hong Leong Wise(any other bank to recommend?)

6. Others: Please be specific. I spend Alot on Utilities(Astro,Digi,YES,TM,TNB-company) and monthly groceries only.

1.Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: I dont mind calling to have it waived.

3. Card required for: Petrol (Petronas or Shell, but mostly Petronas) , grocery, online shopping (if possible)

4. Existing credit cards if any: Nil

5. Looking at CC from: Maybank. Can consider others.

6. Others: I want to do lots of travel, but from what I read that converting your points to AirAsia big points is pretty low.

Annual Income:

Free Lifetime Annual Fee: A Must, Min Swipe.

Card required for:
Electronic/Netowrking gadgets
makan-makan,
flight booking.
Retail Online&Offline

Existing credit cards if any: None

Looking at CC from: AEON, I not sure others. Please enlight me.

Others: I want cash back only(if there is), have reward also a bonus.

Hi, I'm looking for a credit card which offers cash back for my insurance. Pay about RM1k for insurance monthly. Besides HL Essential, any other cards with better cashback?

Looking for good card to get at least 5% rebate for groceries and petrol on Sat or Sun. So far only notice Al-Ikhwan but it's for Fri and Sat only...

Currently using Wise but gonna reach 1 year soon...gotta cancel it cause don't wanna pay for annual fee for primary and subsidiary.