1. Annual Income: RM80K

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol (RM300), Mobile (RM400), Dining (RM200), Online shopping (RM200), Groceries (RM100).

4. Existing credit cards if any: HL Wise (cutting soon), UOB VOX (cutting soon), MBB 2 cards.

5. Looking at CC from: Any bank

6. Others: Cash back is priority.

1. Annual Income: RM50K

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol (RM300), Mobile (RM200), Dining (RM200), Groceries (RM200), Insurance (RM400)

4. Existing credit cards if any: HL Wise (planning to cut since cant meet new tc), MBB 2 cards.

5. Looking at CC from: Any bank

6. Others: Cash back is priority.

1. Annual Income: <RM90K

2. Free Lifetime Annual Fee: N/A

3. Card required for:
Wise replacement due tat Sam Grocer no longer accept credit card for ebill and Wise changing terms as well.
Grocery spending about RM 250
Petrol spending about RM 250
Phone spending about RM 50

4. Existing credit cards if any: Maybank2Card, SCB CB Gold, Wise, Watami, UOB Yolo

5. Looking at CC from: See Point no.3

Many thanks!

1. Annual Income: <90K
2. Free Lifetime Annual Fee: Yes. But also ok for easy waiver annual fees.
3. Card required for (Average Monthly payment)
   Petrol           RM 303
   Phone            RM  70
   Dinning           RM 338
   Groceries   RM  43
   Insurance-AIA RM 978
   Cinema           RM  27
   E-Commerce   RM  80
   Other           RM 749
4. Existing credit cards if any: Citibank CB Platinum, Maybank 2 GOLD Card, OCBC Titanium 
5. Looking at CC from: Any bank
6. Others: No

Hi all, please help to recommend:-

1. Annual Income: RM70K

2. Free Lifetime Annual Fee: Preferably

3. Card required for (Average Monthly payment)
Petrol RM 300-400
Phone      RM 170
Insurance RM 1500 (Half-yearly)
Cinema RM 30
Other (Dining, Grocery, Entertainment etc) approx RM 700

4. Existing credit cards if any: UOB One Card, Just One Platinum

5. Looking at CC from: Open for suggestions

6. Others: Plan to cancel the UOB One Card

Thank you..

1. Annual Income: Leave Blank

2. Free Lifetime Annual Fee: A Must, can be with no condition or with 12x swap, as long as free AF

3. Card required for: Highest Cashback for general expenses, anything can be swipe using credit card

4. Existing credit cards if any: Already have existing card with online cash rebate and WISE but need to cancel wise soon.

5. Looking at CC from: No idea, currently looks like Hong Leong Essential provides highest cashback of 0.6% for general transaction.

6. Others: Current plan is to apply AEON and see, since i have online cashback, i can use the AEON credit card to swipe for any transaction, then use the online cashback card to pay for AEON credit card, this is what I found out what I can do for now, looking for any other additional feedbacks.

1. Annual Income: Any card

3. Card required for: Looking a card to replace Wise HLB. Don't think can reach 2K for groceries n petrol.

4. Existing credit cards if any: PB Signature(utilities,Phone bill, dining and online) and CIMB visa infinite (others)

5. Looking at CC from: any bank

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.

So the best cash back card for grocery, petrol and telco would be MBB Visa Signature?

MBB Visa Signature
If cant spend more thn 50k a year, thn annual fee would be RM 550.

MBB Ikhwan Mastercard
For Friday and Saturday only.

Citibank CB Plat would be
5% for Petrol
2% for grocery
2% for telco


Seems like nowadays card all revise to have lesser cash back benefit.

Else like Wise spend up to 2k, RM100 cap cb, effectively would be js 5%.
SCB OnePlat up to highest gap of cash back, effective cash rebate also js about 3%.

All encourage ppl to spend more thn the "to be rabate amount", thn effective cash rebate is actually lower thn marketed % of cash rebate. :/

Okay, better thn nothing, but js yet nt as good as old era. Dont blame me posting this. lol

Hi Sifus, which credit card is the best to paid TM bills, besides PB Signature, cannot meet the requirement :-(

Thanks for your info... I read that there is a capping of RM12 for 1000 to 1499, so in total only get 1.2%?

1. Annual Income: RM36K
2. Free Lifetime Annual Fee: Any
3. Card required for: Petrol - RM600 monthly - BHP or Caltex, TnG Rm250, Telco RM200 Required : Cash Back or Rebate
4. Existing credit cards if any: Hong Leong WISE card
5. Looking at CC from: Any
6. Others: None.

1. Annual Income: About RM95K

2. Free Lifetime Annual Fee: No

3. Card required for: Cashback. My monthly expenses are
     Petrol RM300
     Grocery RM500
     TnG RM100 (This can be under grocery since I usually top up at Jaya Grocer)
     Telco RM150
     Dining RM200-400

4. Existing credit cards if any: HLB Wise, MBB 2 cards, Ikhwan Mastercard

5. Looking at CC from: HLB Mach, CIMB Cashback, PBB VS?

6. Others: I'll keep on using ikhwan for petrol and grocery, but would like to find another card for telco and dining. Would like PBB VS but my income is just under 100k, and that's including bonuses. Is HLB mach (dining + telco) a good card, or is there a better card for petrol, grocery, dining and telco?

Citibank Cash Back/ Platinum Card Annual Fee - RM120/ $195 (Income Requirement RM36k / RM60k p.a)

* 5% X for Petrol Cash Rebate [capped at RM300 / RM600, with Max.$15 / $30 monthly Cash Back]

* 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi & Celcom) Rebates will be Unlimited per month, [But, U have to Pay the Bill thru Citibank Online]

* 2% X Cash Rebate on Groceries [capped at RM1500 / RM3,000, with Max. $30 / $60 monthly Cash Back]

* 2% X Cash Rebate for Pharmacies [No Capping]

* 0.3 X Others Spending Cash Rebate [No Capping]

Note: Cash Back Platinum in BLUE

But Anyway, Citibank CB Only credit the cash back earned once you reach $20 & If the cash rebate is less than $20 for a particular month, the total cash rebate amount will be carried forward to the following month.

https://www.citibank.com.my/cashbacktnc.pdf

1. Annual Income: RM40k-RM50k

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Instalment @ 0% upfront/interest at low amount in a single receipt, cash rebates on cinemas/dining and oversea transaction/other currency transactions (retails + online)

4. Existing credit cards if any: UOB Vox

5. Looking at CC from: Need suggestion

Hi sifu, currently using hlb wise but now they revised tern effective nx month..

So my monthly expenses as below..  300 petrol, 200 telco, groceries 200.. Which card should I go for? Any recommendations? I looking for entry card since my annual income not really high

1. Annual Income: 38-60k

2. Free Lifetime Annual Fee: Preferred

3. Card required for CB
Petrol RM 500
Phone     RM 200
Hotel      RM 400

4. Existing credit cards if any: UOB One, HLB Wise (going to terminate end of Sep and looking for card to replace it)

5. Looking at CC from: Any

6. Others: No

Thanks in advance!!

Citibank Cash Back/ Platinum Card Annual Fee - RM120/ $195 (Income Requirement RM36k / RM60k p.a)

* 5% X for Petrol Cash Rebate [capped at RM300 / RM400, with Max.$15 / $20 monthly Cash Back]

* 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi & Celcom) Rebates will be Unlimited per month, [But, U have to Pay the Bill thru Citibank Online]

* 2% X Cash Rebate on Groceries [capped at RM1500 / RM3,000, with Max. $30 / $60 monthly Cash Back]

* 2% X Cash Rebate for Pharmacies [No Capping]

* 0.3 X Others Spending Cash Rebate [No Capping]

Note: Cash Back Platinum in BLUE

But Anyway, Citibank CB Only credit the cash back earned once you reach $20 & If the cash rebate is less than $20 for a particular month, the total cash rebate amount will be carried forward to the following month.https://www.citibank.com.my/cashbacktnc.pdf

It need annual fees rm180++

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

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: Must

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

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any.

6. Others: Looking to get first credit card. Mainly for petrol. Occasionally movie and dining.
Thanks.

1. Annual Income: Above 90k

2. Free Lifetime Annual Fee: A Must / Able to waive off

3. Card required for: Dining, shopping, online purchase (hotels, flights, transport)

4. Existing credit cards if any: Nil

5. Looking at CC from: No preference

6. Others: Foreign income, infrequent use (less than RM1k a month)

hello there !!

anyone here have a list of banks in malaysia that issues credit card backed by FD ??

1. Annual Income: 50 k

2. Free Lifetime Annual Fee: No

3. Card required for:

Utilities TNB : RM 500
Umobile : RM 100
Maxis:RM 300
Petrol: RM 300

4. Existing credit cards if any: WISE , Citi cash back

5. Looking at CC from: No preference

6. Others: -

Thanks.