Hi Bro, what the different for my current Ikhwan Visa and Ikhwan Mastercard?

I now using --> Maybank Islamic PETRONAS Ikhwan Visa Platinium Card-iMaybank Islamic PETRONAS Ikhwan Visa Platinum Card-i

Any credit card recommended other than HLB?

Becuz their customer service just fxxk up!!!

Appreciate your input.

1. Annual Income: RM300k

2. Free Lifetime Annual Fee: either this, or waived with monthly swipes.

3. Card required for: mostly foreign currency spending or business usage ( up to 90% belongs to USD spending )

4. Existing credit cards if any: RHB Signature, CIMB Cash Rebate Platinum, Maybank Card 2 Card Platinum, HLB Essential

5. Looking at CC from: Any

6. Others: prefer something with Enrich / Singapore Airlines Krisflyer points

Thank you.

Maybank2 Cards Premier, Maybank AmEx Kris Flyer, AmBank World MasterCard, AmBank Visa Infinite.

For M2Premier, you need to spend RM 80k p.a. to waive RM 800 AF, first year is free, so far it is the best for airmiles conversion. Kris Flyer will be RM 250 AF and first year waived. Both AmBank cards are free for life.

Hey fruitie,

Thanks a lot for all the recommendations, I will opt for M2Premier in this case. Thanks once again

1. Annual Income: RM42K

2. Free Lifetime Annual Fee: Not Necessary

3. Card required for:
Phone (prepaid) - 30
Online Bus Tickets - 10 each time x 10
Travel - (AsiaAsia Flight, Agoda Booking)
Overseas Transactions - Pay university fee AUD520
Utilities - 130 (TNB) , 100 (Telekom) , 80 (Astro) , 10 (Water bill) , (online)

4. Existing credit cards if any: None

5. Looking at CC from: Unsure

6. Others: I'm looking for a CC that can cover for my travel & utilities

UOB VOX for your flight tickets and utilities fees.
CIMB CR for your bus tickets if VOX is fully utilized.
For school fees, if online can use these two cards.

Thank you fruitie.
For UOB VOX card. TNB, TM and Astro bills is eligible for cashback right as long I pay via UOBPayOnline.

HLB Mach
https://forum.lowyat.net/topic/2421215#

Apply AmBank cards as well, free for life, unlimited PPLs access, not too bad of airmiles conversion and good foreign exchange rate.

Hi fruitie,

Thanks a lot for the recommendations again, I'd like to stick with a fewer cards right now, for the AmBank cards, which card has a better foreign exchange charges?

The AmBank World MasterCard or the Ambank Visa Infinite?

Thanks once again for your help!

WMC if I'm not mistaken.
You can cut off RHB Signature, any benefits?

Nothing much for RHB Signature, just 5 complimentary accesses to the PPL.

I've forgotten one important thing, all of my transactions will be 100% online. So the AmBank cards are basically useless. So the Maybank 2 Cards Premier is still what best for me right now, right?

Thanks once again!

1. Annual Income: 130k-140k

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: List all your needs (spending as below)
Petrol - 400 monthly - Shell or Petronas
Insurance - 240(PRU) + 300 (Great Eastern)
Bike/Car Insurance - 800 (Auto debit from saving)
Utilities - 200 (maxis) , 150 (TNB)
Groceries - 400-600
TnG - 100 (Cash)
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any: Maybank2card (Master + Amex)
5. Looking at CC from: ?
6. Others: currently all tr made during weekends (petrol + utilities), no much dining during weekend so Maybank2card no longer gooding for me

1. Annual Income: 50k
2. Free Lifetime Annual Fee: A Must
3. Card required for: List all your needs (spending as below)
Petrol -200 monthly - Shell or Petronas
Insurance  300 (Great Eastern)
Utilities - 120 (unifi) , 150 (TNB)
Groceries - 200
TnG - 100 (Cash)
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any: (Just terminate the citibank)
5. Looking at CC from: ?
6. Others: currently all tr made during weekends (petrol + utilities)

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must 

3. Card required for:
Education - 600 (320 foreign + 280 local)
Retail - 450
Insurance AIA - 400
Gym - 200
ETS Train/Flight - 180
Dining - 100
Petrol - 100

4. Existing credit cards if any:
Maybankard 2 Cards
Aeon Watami
OCBC Titanium (to cancel)

5. Looking at CC from: Any

6. Others: Cash Back/Rebate Only

btw looking to make a supp card /seperate card for my wife
Hmmm shall we do seperate card, or a supplementary card for her (either under my Maybank2card card or apply a new one)
Thank you