1. Annual Income: around RM40k

2. Free Lifetime Annual Fee: prefer annual fee waiver, however conditional waiver (excludes minimum annual spending amount) can be accepted too.

3. Card required for: Cover most online transactions, preferably includes airline ticket purchases too.

4. Existing credit cards if any: HLB WISE, UOB ONE, MBB2 card

5. Looking at CC from: CIMB Cash Rebate Platinum MasterCard (not include flight ticket), UOB VOX (AF waiver requirement a bit troublesome, not sure about cash back for flight ticket booking), PBB Visa Signature (hard to get with my annual income, not sure about cash back for flight ticket booking)

6. Others: It will be my secondary card which covers most online purchases, preferably including flight ticket purchases.

Though 1k monthly spending for a secondary card is quite heavy for me, but thanks for the recommendation i really did overlooked this card when researching for suitable card

not for petrol though.

10k, nope. my other cards have its one cl.not affected

Guys I just got my HSBC visa platinum card (the reward card). But recently stumbled across the thread in this forum.. Kinda worried now. Is it a good points card? Scare of annual fee can't waive also later... Anyone got any good/bad experiences with it?

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: a must if possible.

3. Card required for: Petrol, Groceries, Utilities, Online Shopping

4. Existing credit cards if any: no

5. Looking at CC from: no

6. Others: cash back. best if include travel insurance. annual expense to be under 6k for annual fee waiver.

If you are new credit card user to public bank, you can opt for 12 months 0% BT with min 5k. Check out details at their website.

I got 2 wise cards. each one earn 100/mth.

I use it for mobile/petrol/grocery n another one mobile/utility/department

I control my car n my family petrol, utilities, grocery, mobile n departmental shopping expenses including my in laws n relatives etc. I ll pay for them using credit cards n they pay me back with cash.

I don't have smart tag leh....that's why don't know mah....tiger bank didn't chose me to buy 1 unit at RM8....

1. Annual Income: RM120K

2. Free Lifetime Annual Fee: Must or can waived by phone call

3. Card required for:Petrol, Insurance, Groceries, Phone bill, Unifi, and other utilities

4. Existing credit cards if any: MBB 2 card

6. Others: looking for platinum cashback card that have freebies promotion now.

I paid PTPTN last year at Kota Bharu Tesco Mall PTPTN office.
CC slip mention One Point Service WP Kuala Lumpur

Tested at Kota Damansara few days ago also stated One Point Service WP Kuala Lumpur

HLB Essential 0.6% effective 1st Feb
still have plenty of time to utilize 1%

Plan to take OCBC card for 1%
but just change new job
cs said have to wait 6 months when I tried apply last week

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: optionally prefer

3. Card required for: Purchasing and bill payments

4. Existing credit cards if any: (none)

6. Others: Overseas purchasing with good forex rate

1.annual income:60-80k

2.annual fees:free or waived by minimum swap

3:card required: groceries,shopping,petrol and bills.

4:existing card: cimbbank gold petronas mastercard,citibank gold cashback visa,citibank
business platinum visa

1. Annual Income: RM100K to RM150K (combined above 180k)

2. Free Lifetime Annual Fee: Min. spending conditions is fine

3. Card required for: I will include avg monthly spending on all categories:

Petrol: approx. 500 RM
Groceries: approx. 800 RM
Dining: approx. 300 RM
Utilities: approx. 400 RM
Phone/Mobile: approx. 400 RM
Online payments (overseas): 400 RM (using Alliance 0% spread condition)
Online payments (local): 300 RM

Insurance payments (general insurance): approx. 10000 p.a. (anual fees can only partially be spread by monthly installments)

Additional expenditures: approx. 2500-3500 monthly, can shoot higher for airtickets etc. (approx. to 10-25 k)

Looking for Cash Back/Rebate and / or AirMiles & Free Lounge Access

4. Existing credit cards if any: Alliance Visa Platinum (privelege, free for life), PB VS

5. Looking at CC from: Maybank VS but spending required too high

6. Others: Please be specific. Trying to max CB and Points for MAS miles redemption. We are not interested in islamic cards.

1. Annual Income:

2. Free Lifetime Annual Fee: A Must or by calling them but if possible free. Too lazy

3. Card required for: utilities, Pharmacy and others

6. Others: Im using HLB Wise and I'm happy with it. the 3 categories are phone, groceries and fuel. Want a second card for all the others expenses especially utilities.

Thanks

1. Annual Income: RM50K

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

3. Card required for: List all your needs
online shopping(e.g lazada....)

Priority on reward point, it is good if point are nvr expired.

Hi Thanks for the recommendation, but currently I got the AMEX, but some of the online shopping side do not accept AMEX, that why I am thinking to apply another one, the reason I want for reward is unlimited gain, for cash rebate it had the capped rebate (FYI, 1 and 3 I got already), Any other cc with more reward point and able redem with low reward point?

1. Annual Income: RM40K +

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: List all your needs (spending as below)
Petrol - 300 monthly
Insurance - 250 Great Eastern monthly
Bike/Car Insurance - 400 + 500 + 250 - via cash
Utilities - 200 (tnb), 200 (astro) , telekom (100) - online banking
Groceries - 200
TnG - 100 - via cash
Required : Petrol, Groceries, Utilities and dining.

4. Existing credit cards if any: Nil

5. Looking at CC from: unsure

6. Others: currently all transcation made during weekends (petrol + utilities + groceries)

icon_question.gif  icon_question.gif  icon_question.gif

1. Annual Income: RM40K + (From april onwards)

2. Free Lifetime Annual Fee: A Must, else if below can meet my requirement then AF have also nvm

3. Card required for:  (spending as below)
Petrol - RM300 monthly
Dining - RM300 - 500 monthly
TnG - RM50 per month
Phone bill - First 38 + GST = RM40.28 at least, sometimes will pay RM50 one shot.
Shopping - RM100-RM200 monthly

4. Existing credit cards if any: Citibank clear + shell

5. Looking at CC from: Need recommendation. Currently looking at HLB Wise. But wanna see if there's any better.

6. Others:
Most transaction made during weekends (dining), no set period for petrol.
Looking for high cashback. Highest I heard was HLB Wise, but have news that they are revising soon.
Have plans on buying stuff with installment. Preferably 0% with 24 months, ideal would be 36 month.

1. Annual Income: RM60K to RM80K

2. Free Lifetime Annual Fee: A Must or if the bank allow to waive yearly after reviewing (if it's really that good CC)

3. Card required for: List all your needs (spending as below)
Petrol - 220 monthly - Shell
Insurance - 1500 yearly
Car Maintenance - 1500 yearly
Dining - 300 a month
Pet food - 300 a month

Required : Looking mainly for Cash Back/Rebate Card

4. Existing credit cards if any: Citibank normal card (supplementary for the last 11 years) with reward points, cancelled HLB Wise because i can't meet 10 swipes a month and cancelled Standard Chartered World Miles.

5. Looking at CC from: Maybank /CIMB/ Citibank and open to others

Seems like a good card:
1) MBB 2 cards
2) CIMB platinum
3) Citibank platinum cash back

The plan:
1) Cancel the main and supplementary card for Citibank in the next few months since we don't really want rewards. Cash back is better
2) Switch current card to Citibank platinum cash back but it is subject to if the bank can do yearly waiver for all the cards like the current card
3) Get a spare CC that is free for life in case of an emergency - CIMB platinum has better cashback than MBB i think.
4) I might need one card that is good for my overseas travel this year
5) Any reviews about applying from ringgitplus? Seems like they have free gifts/voucher to be given