If you want to change for air tickets, the best would be M2C 2 Premier but it's a whooping 120k PA or you can pledge FD to get it.

It's truly the best spending : points ratio compared to other major air miles card.

Fully utilize = MBB Visa Signatures but have epic 50k requirement to waive.

Lesser option : Ikhwan, CIMB Master CR (2%), UOB One ( Weekend 5%, weekdays 2% ), SCB Petrol CB ( But need spend around 888 to get back 33? ), HLB Wise ( Have to plan your budget accurately to fulfill 10 x 50 )

UOB One ( 5% weekend / 2% normal days )

MBB Ikhwan ( 5% Fri / Sat )

This is a rare card.

Even if you meet requirement, does not mean they'll approve you

I'd go for UOB and CIMB for less fuss.

Plenty but which one suit you?

1. MBB Ikhwan
2. UOB One
3. UOB Vox
4. HLB Mach
5. HLB Wise
6. Aeon Watami
7. Citibank CB Plat
8. MBB VS
9. PBB VS
10. SCB Gold Cash Back

Now you see, if you don't put in your income and use as per the template, how we know which card will suit your usage?

Free for life option :

1. MBB Ikhwan - 5% for Petrol and Groceries during Fridays / Saturdays.

2. MBB 2 cards - 5% for Dining on Sat/Sun

Not-so-free option :

1. MBB Visa Signatures ( 70k PA ) - 5% for petrol and groceries all day long. ( Note that AF : 500 is waive-able upon spending of 50k PA. )

2. HLB Wise - Quite hard to explain but can cover most of your needs if you plan your swipes. ( 50 swipes * 10 per month + AF of 180 ( so far not much report of waivers ) ) Please head to the Wise thread for more information.

3. UOB One - 5% petrol on weekends. 2% on weekdays. ( AF free for 1st 2 years, after that it's probably a useless card )

4. UOB Vox - For online utilities payment of your TNB and Unifi ( 5% off )

5. Aeon Watami - 3% quarterly rebate for anything except ( Petrol ).

6. Standard Chartered Cash Back Gold - Tiered Cashback but achieving RM 888 per month would get your an effective 3% CB. There's T&C to this so please head to the SC thread for more info.

Overall -

There's no one card to cover all. You need multiple cards.

1. Aeon Watami to cover for insurance and car maintenance.

2. Groceries/Petrol on MBB Ikhwan / VS

3. Utilities on UOB Vox.

4. Dining on MBB 2 cards if you want.

Apply Ikhwan 1st.

Coz approval rates for Ikhwan is very bad.

And you don't have cover for your insurance if you don't get watami.

If you want the best cashback, listen to fellow experts here

You might not like the bank/institute, but as long as you're getting back your $$, why not right?

Cash > personal preferences

Probably why I'm still on a CB card that cost MYR 500 AF if you don't spend 50k per annum

I don't really condone 0% EPP coz people will usually buy things they can't afford with it....

( I myself is a good example )

But you can always BT to Aeon Watami for 0% for 6 months.

EPP mostly available to large local banks - MBB ( easiest to have EPP since most terminals are on MBB ), HLB, PBB and some HSBC if you are lucky.

And not to mention, 0% EPP will usually be charged extra by the merchant ( 3~5% surcharge which is illegal btw )

You have to take the effort to complaint, and then wait for the refund.

Too much hassle tbh.

If can qualify for PBB VS, no need to apply for Aeon dy

Must be holding a CC for at least 12 months, if not straight rejek.

Unless you are earning big bucks like 100k PA, then no problem, just go ahead and apply.

1. Lady's card hit and miss. Only females can get it btw

Sometimes 23rd of the month still can get grocery CB while sometimes 2nd of the month already don't have.

This card is free for life, yes.

Depends on your usage, it might be good and it might not be good.

Credits cards are generally based on the user's requirements.

If I am planning to use the card for retail expenses or etc, this card won't be good for me as it only gets me 0.2% CB

However, if I am using it for Lazada, then it's a good card as I get 5% CB on the purchases?

Hope you understand what I am trying to convey.

Cheers!