1. MBB Ikhwan - Only on petrol & groceries. I don't use the card on groceries much. Mostly spending on dining. And need to wait until weekend to pump petrol. Abit restrict to me cause I travel alot.
2. HLB Mach - Only down side of this card is that they do not have petrol category.
3. HLB WISE  - The only card that fits into my category.
4. AEON Watami - Only have rebates of max RM50 in Watami restaurant. Other retail outlets do not have benefits. And 18 months EPP.

Is HLB WISE able to waive the AF as long as I swipe more than 12 every year? Or that only applicable on the first year?

Thanks. 

Oic. how about utilities?

1. Annual Income: Around 30K

2. Free Lifetime Annual Fee: Free or auto waive with minimum swipe

3. Card required for: overseas dining and shopping ,cash rebate

4. Existing credit cards if any: maybank amex+visa

5. Looking at CC from: Any

My work usually involves me travelling overseas a lot and usually stay at a country for months and during such times, allowance are provided so I usually spend 3-4k a month

Hi, juz wanna ask... For annual income, bank will look at gross salary or nett ? Because if gross, monthly is rm3.3k... Nett is rm2.1k after car loan, epf, insurance.

1. Annual Income: RM60K to RM100k

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Cash Back/Rebate, Overseas Transactions, 0% EPP Purchase Plan

4. Existing credit cards if any: Maybank 2 Gold

5. Looking at CC from: Any banks

6. Others: Currently a Malaysian who is work and stay and SG. Current CL is too low.

Aeon? No pls...

There's a reason why I didn't really like aeon...

I've tried to look the details about AEON cards at ringgitplus. It seems like its not really suitable for 0% EPP. Because my usage is usually for that...

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

1. Annual Income: Rm60k-70k

2. Free Lifetime Annual Fee: must

3. Card required for: when my m2premier cannot be swipe for 5x. I spend my groceries and buying stuff mostly online

4. Existing credit cards if any: m2premier, m2card,mkrisflyer

5. Looking at CC from:

6. Others: I wanted to have as much point as I can for me to redeem air ticket.

Pledge FD?

Yes, I went and applied at Menara Olympia yesterday and they no longer accept new applications since this month.
Not sure what will happen to existing users.

Only Watami.

And the last one standing in Malaysia will close on end of this month...

Appreciate your help

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: a MUST for me

3. Card required for: Online transaction

4. Existing credit cards if any: Maybank 2 Cards, Citi CB Plat

5. Looking at CC from: Citi Clear Card

6. Others: Going to cancel Citi CB Plat as they no longer waive AF + I want a card which can do overseas online transaction smoothly

if i'm looking for a card for cash back for basic spending (not petrol or groceries), which card is the best?

ocbc?

1. Annual Income: 50-60k

2. Free Lifetime Annual Fee: Preferably, or can be waive.

3. Card required for: Insurance, petrol, phone bill, groceries, cash back, shopping discounts.

4. Existing credit cards if any: Public Bank Gold (auto debit for my insurance only) & Hong Leong Bank Gold (daily expenses eg : petrol, groceries, fb, phone bill auto debit)

5. Looking at CC from: Any recommendation that meet my above requirements

6. Others:

Hi, I am asking for my dad.
1. Annual Income: Not sure, since he is doing his own business.

2. Free Lifetime Annual Fee: Not a must

3. Card required for: Petrol (above RM1k per month), Flight Tickets

4. Existing credit cards if any: Ambank Mastercard Gold

5. Looking at CC from: Any bank will do

6. Others: No reward points, useless for him.

Thanks.

1. Annual Income:  RM60K to RM100K (basic 60k, incentive uncertain)

2. Free Lifetime Annual Fee: Prefer free or waive-able unless I do utilize the benefits kao kao

3. Card required for:
Often spends on groceries/retail item (supermarket) (anywhere 5k-10k a month)
Dining or drinking ~ 2k
Petrol ~ RM500
Airticket (usually Airasia) ~ Let's put it at minimum RM1k a month

4. Existing credit cards if any:
Maybank2Card Gold
OCBC Titanium
Stan Chart Business Plat
Citibank Business Plat (cancelling it in 5 minutes)

5. Looking at CC from: Preferable not from Citibank (They spam too much with their insurances product)

6. Others:
I would love to have free access to airport lounge since I travel quite frequently but those card usually have higher than what I earn requirement (120-180k)
What is the best card I can get in rewards/benefit according to my spending behaviour? (All the card I am holding now are practically useless, all their benefits have been removed lol)

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: -

3. Card required for: List all your needs. AirMiles, Free Plaza Premium Lounge Access

4. Existing credit cards if any: M2C, CIMB CR Plat MC, HLB WISE

5. Looking at CC from: PBB VS, Ambank WMC, mainly looking for good visa signature

6. Others: Actually looking for something that will collect good airmiles/points when used locally for like Rm2-5k transactions that are not under any category e.g. Car repairs, house downpayments, expensive packages etc. Was looking at Maybank VS but they're slashing the PPL tomorrow, seems less worthy. Although it only collects 1xTP.