Maybank World Mastercard

Annual fee: Principal: RM 1,000 for the 1st year (NO Fee Waiver)
Subsequent years FREE if spend a min of RM120,000 per annum

Whereas,

Public Bank Visa Signature + AmBank VISA Infinite Card /AmBank World MasterCard - the BEST Combo

PBB Visa Signature - 6% Cash Back on Grocery, Dining and Online Transaction, AF Waiver with 12x Swipes p.a

AmBank VISA Infinite Card /AmBank World MasterCard (min Income Requirement: RM100-150K p.a)



• Free-For-Life, NO conditions attached
• Unlimited lounge access without condition
• Complimentary Hilton Premium Club Membership Card
(Note: Membership is automatically renewed annually with just a min retail usage of RM30,000)
• Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles)

http://www.ambank.com.my/eng/cards/visainfinite

This post has been edited by fly126: Jun 21 2016, 07:34 PM

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A must (No minimum swipe/spending)

3. Card required for: House downpayment installment (Developer only accept Hong Leong Bank Card to get 0% interest for 12months installment)

4. Existing credit cards if any: MBB Platinum Ikhwan, Citi Clear

5. Looking at CC from: Hong Leong Bank Only

6. Others: Minimum CL of 10k - 20k

Then just simply pick one AF free HLB card? Is MACH accepted? Because MACH is another entity. If it's accepted then MACH is a good card, I use it for dining and get 5% cash back. It comes with other packages too.

That's why I couldn't find the card in HLBB website. Not so sure which one to pick then. Will be using my MBB Ikhwan card most of the time I guess, but will keep the new HLBB at least until the 12 month installments finish. Just look at HLBB Wise card, sadly no AF waiver. Any other suggestion sis?

HLB Essential.

I think HLB Fortune also not bad.

Thank you, so if the installment total amount is more than RM8k, I'll directly entitle for AF waiver. Then cancel it in the second year.

Why cancel...???
No need ma, the Essential is Annual fee waived for life
automatic annual fee waiver with a min. of 12x swipes or RM8,000 retail spend a year. It's a Good Card for General Usage.

This post has been edited by fly126: Jun 21 2016, 09:51 PM

I don't like to have commitment, like to use this certain amount of swipe, then only can get AF waiver. Because I'm not confident whether I can keep track of using it 12 times per year. Guess need to start all the listing/writing stuff to keep track of these.

you need to prioritize what you want.

The best card that earn air miles will not get you cash back. The card that give you cash back will not give you air miles or come with shitty miles/RM spent ratio.

Best card to earn miles is Maybank 2 Premier

For details & compilation of card with best mile earning capability, click on my signature.

This post has been edited by bearbear: Jun 22 2016, 10:48 AM

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Either Free or Waivable with easy conditions (swipe 12 times, etc)

3. Card required for: Overseas Transactions, and local utilities etc.

4. Existing credit cards if any: Maybank2Card Gold, Citibank Clear Card

5. Looking at CC from: CIMB Cash Rebate Platinum MasterCard, Public Bank Visa Signature

6. Others:

Currently I'm charging everything to MBB2Card AMEX whenever possible to get 1.25%(?) equivalent cash back in the form of TreatPoints. But as I frequent overseas business trip, not sure if there are better cards out there that I can reap benefit/cash back(preferred). Approx spending of MYR 5k~20k+ per quarter - huge chunks on hotel.

Am also considering PBB VS / CIMB CB MasterCard for my bills / online purchases, but bills wise it's really little (<=RM500 per month). However in few months time I'll be posted for short term overseas assignment and still hesitating whether to use local cards, or to collect Malaysia Card's point (for long term).

This post has been edited by polarzbearz: Jun 22 2016, 01:05 PM

Public Bank Visa Signature + UOB Vox

i) PBB Visa Signature - 6% Cash Back on Grocery, Dining and Online Transaction, AF Waiver with 12x Swipes p.a

ii) UOB Vox - 5%CB, It's Good for Online Spend (Flight tix, Hotel booking) pay Utilities bill thru UOB Payonline. (MUST with a minimum spend of RM50 in a single receipt/transaction).
- Capped at RM1,000 Spend with Max $50 CB per month & Monthly Fee (RM6.36) will be Waived with 1x Swipe/month

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: Yes

3. Card required for: BT

4. Existing credit cards if any: Maybank 2 card gold

5. Looking at CC from: any bank

6. Others: none, just want to use for BT

- Aeon Big Card / Aeon New Gold card for BT 6 months 0%

Thanks!
was looking at PB Petron Visa (has annual fee waiver) and BSN Classic Visa from ringgitplus.com
Both also offer 0%. But are those any good?

Priorisation is always cash back because my spending are more on lifestyle items, traveling is not that big of a deal, which is why I said if it comes with a decent miles earning then good, else it is fine.

Issue is probably I feel the PBB Visa Sig + RHB WMC might overlap with the CIMB Cash Rebate, M2C Plat and UOB One that I currently have. I'm ready to cancel any of those if it is no longer worth keeping.

1. Annual Income: rm 32k

2. Free Lifetime Annual Fee: Yes if possible

3. Card required for: cashback for petrol, shopping, dining

4. Existing credit cards if any: cimb credit card

5. Looking at CC from: any bank

thanks

1. MBB Ikhwan Mastercard
2. HLB MACH

1. Annual Income: rm 55-60k

2. Free Lifetime Annual Fee: Yes, or if conditional waived

3. Card required for: cashback for petrol and telco bill mainly , online shopping

4. Existing credit cards if any: NIL

5. Looking at CC from: any bank

Thanks

If you can meet 10xRM50 spending per month, please consider HLB Wise Gold card
Otherwise,
1. Maybank Ikhwan Gold Master
2. UOB VOX (online expenses)