1. Annual Income: RM36k

2. Free Lifetime Annual Fee: Yes

3. Card required for: List all your needs
Petrol
Online purchase
installment (maybe)
dining
Priority on cashback

4. Existing credit cards if any: nope

5. Looking at CC from: any

Dear Sifus,

Would like to seek your kind guidance. Many thanks in advance.

1. Annual Income: Approximately RM130k

2. Free Lifetime Annual Fee: Preferably yes but can accept phone waiver if required.

3. Card required for: Petrol (RM400, BHP), Mobile (RM150, Maxis), Dining (RM750), Groceries (RM600, mostly Jusco), Utilities (RM250) and in future maybe will consider porting in insurance payment as well (maximum RM500).

4. Existing credit cards if any: Been terminating almost all cards and left with UOB Preferred Platinum and MBB AMEX Gold.

5. Looking at CC from: Any bank

6. Others: Cash back is priority. Maybe some benefits on air miles won't harm however is not essential. Prefer lesser cards than 1 card for every types of transactions.
Have a nice day...^^

Thank you bro laymank. May i clarify why MBB Ikhwan gold rather than platinum? I can't see any major difference though through their website but maybe i missed out anything?

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: No

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

4. Existing credit cards if any:
    1. Maybank 2 Cards
    2. HSBC Amanah
    3. Ambank CARz
    4. Hong Leong Essential, GSC, Wise, Mach
    5. Standard Chartered Business Gold
    6. UOB One, VOX

5. Looking at CC from: Maybank Al-Ikwan, AEON Big or other better card?

6. Others: I'm looking for cards to get cash back for groceries, mobiles, utilities, petrol, online spending, TnG Reload. I plan to cancel Wise, SC Business Gold, UOB One, Vox, HLB GSC.

Thanks for the recommendations. How about utilities?

Good day ladies & gentlemen,

Any advice to optimize cash backs & cards offering 0% balance transfer?

My data for consideration of the above:
1. Annual Income: paiseh to share exact, just enough to get Visa Signature / Visa Infinite / etc. but cut-up/rejected i hardly use those facilities

2. Free Lifetime Annual Fee: Yes please - even if not auto waive, call to waive like Citi is ok

3. Cards required for:
Major monthly expenses, in sequence of high-to-low total average monthly, charged to cards are:
a. Tesco & Giant groceries
b. Online shopping (mainly Tesco again)
c. Insurances
d. Mobile telecommunication bills
e. Utilities - TNB, TM/UNIFI, IWK, etc
f. Petrol

4. Existing credit cards if any:
a. MBB DuaCard: Amex + Visa - mainly earlier for the weekend cash back, now zzz

b. Citi Cashback - 2% groceries + mobile telcos EXCEPT Celcom (Citi killed cash back for Celcom payments a few months back)

c. PB Visa Signature - online spending 6%, groceries (miserably up to total RM60 cash back only)

d. CIMB Cashback - online spending 5% (miserably up to RM30 cash back only) + groceries 2%

5. Looking at CC from:
anything to optimize
a. insurance cash back (not the miserable 0.2%) or point to vouchers equivalent %
b. often offered 0% and >=12 months (lazy to track 3-6 months) balance transfers

6. Others:
no CCRIS issues + consistent / good repayer, thus getting a card isn't an issue.
just unsure what's good out there WITHOUT severe parameters like HLB's Wise or something - crazy, track how many transactions & must be more than $xx...
urgh
simplify + long term

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Yes/No

3. Card required for: Petrol, Utilities, Mobiles, Cash Back/Rebate Only

4. Existing credit cards if any:
    1. Maybank 2 Cards
    2. HLB Wise
    3. CIMB cash rebate
    4. RHB 2 cards (seldom use)
    5. PBB Petron (nvr use/nvr activate)

5. Looking at CC from: No idea.. Aiming for cash back mainly

6. Others: I'm looking for cards to get cash back for groceries, mobiles, utilities, petrol, online spending.
I plan to cancel Wise (after the 0% installment has been due on December), Maybank 2 Cards (installment due on December), RHB 2 cards, PBB petron.

7. Monthly Usage Pattern:

Petrol: RM 150 - 250
Utilities TNB: RM 350 - 450
Mobiles UMobile: RM 80
TM Unifi: RM 219
Thanks

Utilities can pay with YOLO?

Hi, A fresh graduate looking for CC. Need your advise on best card to have.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must 

3. Card required for:  Petrol, Education, Cash Back/Rebate Only, Online Purchase, Groceries.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Need advise,

Hey guys, I need some recommendation on credit cards. Please refer to my details below:

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must 

3. Card required for:  Petrol about RM400 - RM500, Cash Back/Rebate Only, Online Purchase, Groceries, Car loan installments & Housing Installments (in future), Makan & Movies

4. Existing credit cards if any: Nil.

5. Looking at CC from: Please advise.

1. Annual Income: RM48K

2. Free Lifetime Annual Fee: A Must / can be waived

3. Card required for:
Petrol = 250
Unifi = 150
Groceries = 300
Dining = 200
DiGi = 400

I worked next to Aeon Mall so I frequently go eat/shop for grocery there.
4. Existing credit cards if any: Nil

5. Looking at CC from: Any

6. Others : Prefer Cashback

which care is the best for paying insurance premium?

any cc got cb from insurance?

Should be referring to PBB AIA Card ??

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Yes would be better. But OK with paid also

3. Card required for: Towing car/call a mechanic in case it spoil

4. Existing credit cards if any: SCB basic credit card (don't know what basic card is my friend holding)

5. Looking at CC from: Any banks that can fulfilled condtion (3)

6. Others: As a replacement for AAM.

Got a question, if MBB previously rejected my application, can I reapply for other card?
Applied for ikhwan gold card, got rejected dunno why.
Annual income 35000.
Doing uber now, rly need a cc for petrol

No i dont have any cc. Fresh grad actually. Wanted cc to have some record. Hard to apply mortage loan
How good is cimb?
Aoen im not that interested

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: Prefer if free or can be waived with condition

3. Card required for: Online purchase, oversea usage

4. Existing credit cards if any: None

5. Looking at CC from: Don't know

6. Others: I am 29 this year and I never had a credit card, I want to apply one. I do not have any loan. ptptn debt cleared few years ago. Already applied CIMB and Maybank recently but both rejected. Can anyone help?

HLB Essential : unlimited 1% for spending > 1%

Can we use Essential card to pay PTPTN at PTPTN office and still get cashback ?
ANyone can confirm this. Thanks.

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: any

3. Card required for: Air Tickets

4. Existing credit cards if any: MBB2 Amex, CIMB CR, MBB Ikhwan

5. Looking at CC from: Any

6. Others: From my initial research UOB YOLO is not my cup of tea coz i didnt spend that much every month to qualify for the cash back.

1. Annual Income: RM36-60k

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, movies, online shopping, grocery, electrical appliances (for the next 2 months), Bills

looking for cashback

4. Existing credit cards if any: Mainly use Maybank 2 cards

5. Looking at CC from: Any bank

Thankss.

1. Annual Income: RM30-36k

2. Free Lifetime Annual Fee: Must

3. Card required for: bills payment, online shopping,petrol

looking for cashback

4. Existing credit cards if any: no

5. Looking at CC from: Any bank

please advice me...tq.