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.

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.

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.

1. Annual Income: RM60K or to RM100K

2. Free Lifetime Annual Fee: Yes

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

4. Existing credit cards if any: No

5. Looking at CC from: All banks

6. Others:

Maybank Visa Signature, if you can satisfy the RM50K annual spending for annual fee waiver.
Cash back on Petrol and Groceries at 5% everyday up to RM88 cap per month. Other expenses eligible for points, double if overseas.

The cap is still low.

How much are you expecting? Most of the banks give RM 50. That's also most of the banks are revising the benefits, enjoy while you can.

Else you can see HLB Wise but you will need to swipe RM 50 x 10 to activate cash back.

How much are you expecting? Most of the banks give RM 50. That's also most of the banks are revising the benefits, enjoy while you can.

Else you can see HLB Wise but you will need to swipe RM 50 x 10 to activate cash back.

Maybe he wants unlimited CB?

Something like no cap?

I think VS's cap for MBB is one of the highest one out there d.

Oh maybe Im expecting a lot from CC. Wanted to get points and exchange for something else or get some discounts when paying for petrol, utility bills or even loans.

The cap is still low.

1. Annual Income: RM85K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (weekend/weekday?), Grocery (most of the hypermarts?), Cash Back/Rebate, AirMiles, Overseas Transactions, Free LCCT Lounge Access

4. Existing credit cards if any: MBB 2 cards.

5. Looking at CC from: Citibank? Please advise

6. Others: Convenience of repayment of CC.

MBB VS

Annual Fee RM550 from 2nd year onwards? 

1.Annual Income: RM40k-50k

2. Free Lifetime Annual Fee: yes if possible

3. Card required for: TM, astro, hotel,maxis, insurance

4. Existing credit cards if any: -

5. Looking at CC from: uob one?hong leong mach?cimb or maybank..i'm not sure..kindly advice