I did mention in my reply above.
"Maybank Ikhwan is free AF but cash back for petrol and groceries only on Fridays and Saturdays."

This post has been edited by fruitie: Jun 16 2016, 04:46 PM

sorry didnt notice. thanks alot for the advice. May i know if these card can be use international?

Yes, all cards can be used overseas. For precautions, just call to banks before you go to overseas. I always do that whenever I travel abroad.

thanks!

shall do deep review before getting my first CC.

1. Annual Income: RM60-80K

2. Free Lifetime Annual Fee: Yes/auto-waive with minimal swipes

3. Card required for: List all your needs
Insurance - 400
weekday makan- 500
Weekend makan - 200
AirTicket- Avg 300
OnlinePurchase- Avg 300 (Agoda/Groupon etc)

Priority on cashback

4. Existing credit cards if any:
Aeon New/Big
Citibank
Maybank2cards/Krisflyer

5. Looking at CC from: more on rebate for general spending to replace AeonWatami

MACH for dining.
UOB VOX for air ticket and online purchases.
You can also get CIMB CR for online purchases if they are below RM 50 because VOX's cash back is only for RM 50 and above (per transaction).

I feel that you will get more cash back this way than using a general card.

This post has been edited by fruitie: Jun 19 2016, 10:15 AM

As recommended above for UOB VOX & HL Mach

May consider for SCB Gold Card too if above cards have max for rebate.

SCB Gold card could be replace for Aeon Watami

Thanks sis..will consider VOX after flip thru so many comments
MACH..will check it out first

Noted thanks bro
but how was SCB service?

So far so good for me

MACH is one of my favourite and most used cards. My pure dining card.

1. Annual Income: RM40K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Monthly Insurance, & mostly on car service & car annual insurance

4. Existing credit cards if any: Nil.

5. Looking at CC from: any bank

6. Others: Cash back or reward points both are okay

Since mainly general expenses,

1. AEON Big Gold
2. UOB VOX
3. MBB Ikhwan Master

Do you think UOB Vox is suitable? He didnt even mention anything on online transactions.

If general expenses, SCB Gold, OCBC 365, HLB Fortune, HLB Essential are better choices.

use VOX to pay AEON expenses via POSOnline for online cashback.

Intend to bt from mbb 2 cards for lower interest. Any recommendations?

I missed payment duedate a few times, so no longer getting 8.88% from mbb.

Luckily you said it. If not nscid wouldnt know.

AEON cards, 0% BT for 6 months.

1. Annual Income: RM60k-70k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Everything except petrol

4. Existing credit cards if any: public bank petron visa (just cancelled my hlb essential card)

5. Looking at CC from: any bank

6. Others: Cash back or reward points

1. Annual Income: RM180-200k

2. Free Lifetime Annual Fee: Yes, but I don't want those with min spending

3. Card required for: Cash back for everything, air miles or free lounge entries would be even better

4. Existing credit cards if any: UOB One, Maybank 2 Card Plat, CIMB Cash Rebate Plat, Amex Plat

5. Looking at CC from: any bank, but I've identified PBB Visa Sig and maybe RHB WMC

6. Others: Cash back or air miles or free lounge entries