1. Annual Income: RM40K

2. Free Lifetime Annual Fee: Preferably yes.

3. Card required for: bill e.g astro , TNB, Water, unifi, streamyx, assessment fee

if you don't have anything to swipe but don't want to pay the rm6.36, just swipe 1 cent at petrol station on the last day of the month. although that 1 cent don't get you any significant petrol, but it does save you rm6.35

1. Annual Income: RM40K

2. Free Lifetime Annual Fee: yes

3. Card required for: petrol,groceries, utilities

4. Existing credit cards if any: 0

5. Looking at CC from: prefer islamic CC from any bank...

6. Others: Please be specific. Fresh graduate

thanks siiifuuuuuu...

if you prefer islamic bank, then the best for you will be mbb ikhwan 5% on friday and saturday for petrol and grocery.

I think HLB wise. Apply the gold one. Lower Annual fees and same cash back when compare to platinum. Annual fees only RM160 if you can get cashback of RM100/month, even with annual fees, you get about 8% cash back.

Prefer Islamic.

Obviously it's Ikhwan gold already.

But with 36k per annum, apply both lo.

Problem solved

1. Annual Income: -

2. Free Lifetime Annual Fee: Any

3. Card required for: Foreign currency transactions

4. Existing credit cards if any: m2 amex, HL Wise, UOB One Card

5. Looking at CC from: CIMB Cash Rebate

6. Others: Looking at a credit card that allow me to get cashback/max benefit from overseas transaction.

any aeon cc will do.

1. Annual Income: RM72K

2. Free Lifetime Annual Fee: Preferably yes or at least waivable

3. Card required for: Petrol, Utilities (TNB/Celcom/Astro)

4. Existing credit cards if any: MBB2 Cards, Citibank Platinum

5. Looking at CC from: no bank preference but looking for Cashback cards

6. Others: Main priority is cashback for petrol and utilities. Currently applying for Maybank Ikhwan, now looking for card that has cashback benefits for Utilities.

Thanks!

By far, the best card for those trnx would be Hong Leong Wise Card. It offers the best cashback rate for petrol and utility bills. Of course, ASTRO bill does not get rewarded with this card. And there is an annual fee to pay for and a 10 x RM50 monthly commitment to qualify for cashback.

Hmm, then it might not serve me best as I guess my highest utilities bill is astro + maxis broadband...

If your TNB + Petrol + Celcom + Maxis Broadband expenditure is above RM500 then this card should serve you well. If not, it is not advisable.

Guys, what's the recommendation for credit card which is the best for airmiles conversion ?

Maybank 2 Cards Premier. Thread: https://forum.lowyat.net/topic/3135958

Thank you I will go thru

It's going to be less than that unfortunately ;(

hi, just want to ask. let say my tnb bill is 400.. can i pay rm50 x 8 times? since hlb wise card need to be swiped 10x per month..or they will count it as one transaction? my utilities bill (tnb+ syabas+unifi) alone is around 1k per month .

Yes, you can do that. In fact most of us here pay it this way in order to increase the count.

Update: unifi payment does not get rewarded with wise card.

This post has been edited by Wongchoy: Aug 6 2015, 10:50 PM

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: not necessary if it can be waived with condition

3. Card required for: Petrol, Telco

4. Existing credit cards if any: Maybank 2 Cards Gold (RIP), Aeon Watami Visa, AEON New Gold Visa

5. Looking at CC from: not sure

6. Others: My main expenses now are Petrol and Telco. Followed by Pharmacy/Groceries. Maybank 2 Cards has been the only card for the expenses I mentioned but it's worthless now except for occasional Dining.

*Is there any more "hybrid" card besides Maybank 2 Cards (Points + Cashback) and AEON Watami (Cashback + Points) on the market?

Thanks a lot.

From what I can see can use ikhwan for petrol and groceries on Fri and sat.

If you are ok with hlb wise AF, it can cover your telco and pharmacy. If you exceed your ikhwan card, can use wise to pick petrol or groceries category.