1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cashback or points for shopping/dining/bills etc.

4. Existing credit cards if any: Maybank Ikhwan Mastercard

5. Looking at CC from: any shariah compliant provider (Islamic/card-I). MBB, CIMB, RHB, HLB are around my location though.

6. Others: Ikhwan MasterCard give 5% CB only for petrol and groceries. I usually pay using CC and maybe can benefit something from my new CC 
I use the most for online/offline shopping and dining.

i have Maybank 2 cards, Hong leong wise, aeon watami and hong leong essential.

Watami card is going to expire on May and Hong leong essential just changed their cashback term.

any other credit card to replace this 2 cards? preferably 1% and above unlimited cashback

hope you all can help here, thanks

That's 1%/0.5% for general spend, but for insurance?

May i know is that compulsory for the American Express ® Gold Credit Card to pay the two amount in the pic that i had highlight??

1) Membership Reward FTO 
2) Membership Reward Turbo Fee

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Open to both must or payable as well.

3. Card required for: UTILITIES (TNB/TM) etc

4. Existing credit cards if any: Maybank2Cards

5. Looking at CC from: anywhere

6. Others: utilities hitting ~1k every month. shiat.

UOB Vox ( 5% CB  is only for Transaction RM50 and above via  UOBPayOnline,  Fee Waiver with 1x Swipe/month)... 

HLB Wise (No AF Waiver)

Thanks for this! however, when I look through VOX - it states that it excludes government utilities etc.

Check out first post of UOB thread, we have compiled the list we have tried so far. The keyword is to use UOBPayOnline.

1. Annual Income: 180K

2. Free Lifetime Annual Fee: Preferred but not necessary

3. Card required for: GOVERNMENT spending i.e DBKL assessment cukai taksiran/tanah

4. Existing credit cards if any: Maybank cards

5. Looking at CC from: anywhere

6. Others: Gov spend that gives rebate or points.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for:
Cash Back/Rebate
Petrol
Grocery
T&G
Phone bill
Online Shopping
Free Lounge Access

4. Existing credit cards if any: Citibank - Premier Miles (sub-card)

5. Looking at CC from: Anywhere

6. Others: Less hassle applying it

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Petrol (RM200 per month), Ptptn, Cash Back/Rebate?

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

6. Others: Nil