Annual Income: RM30-35k

2. Free Lifetime Annual Fee: Preferred

3. Card required for:

Petrol,some Groceries, movies, dining, online purchase(seldom)
4. Existing credit cards if any: No

5. Looking at CC from: no

6. Others: for my first CC

how much UOB One Card charge annually?

thx, how about CIMB Cash Rebate Platinum MasterCard? the rebate is low abit but available everyday, unlike Maybank only Friday and Saturday.

1. Annual Income: RM48K to RM70K.

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol, Education, Cash Back/Rebate Only, .

4. Existing credit cards if any: Maybank2card

5. Looking at CC from: N.a
thank you thank you

Annual Income: RM42k

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Mostly used for shopping but not often, but usually it's a big sum. hope can get a good cash back or bonus points to redeem stuff

5. Looking at CC from: no

6. Others: got mbb 2 cards

1. Annual Income: RM70K to RM80K

2. Free Lifetime Annual Fee: A Must or With certain condition, not spending more than RM10K per year.

3. Card required for: Cash Back/Rebate or Value Points Redemption (above 2%?)

4. Existing credit cards if any:
Maybank 2 card Platinum - 5x points, 5% dining rebate
AEON Watami - 3% misc items (min 3K per quarter) - going to be discontinued
CIMB Cash Rebate Platinum - 5% online CB, capped to RM60 only and got overseas convenience fees
Standard Chartered Gold Visa - no use except for Std Cht marathon discount, keep in drawer
Maybank Ikhwan Master Platinum - 5% CB for groceries and petrol on Fri and Sat
UOB One Card Platinum - 5% CB for movies and petrol (2% extra for BHP) on Sat and Sun
5. Looking at CC from: Think I got most of the high CB card around

Perhaps : UOB Vox? Mach?

6. Others:

Usage :
Digi Bill = RM50 per month - new
Celcom Bill = RM40 per month - previously by Watami
TnG = RM150 per month - covered by Ikhwan
Unifi Bill = RM190 per month - covered by Ikhwan (if drop by to SAM) or autodebit through watami
Petrol = RM150 per month - covered by UOB One
Dining = RM300-500 per month - previously by Watami
Insurance = RM5K per annum - previously by Watami
Misc stuff

Any recommendation on my above expense? Don't think I can meet Wise requirement of 10 x RM50 transactions per month, unless you all can advise based on my spending pattern?

Thanks in advance.

Regards

1. Annual Income: RM36K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: i use (rm 200- Petrol) , (rm300- Groceries) , (rm-rm500- online shopping) and *(rm4500- pay bill), (rm300-others).

4. Existing credit cards if any:ambank carz, hsbc visa platium, hong leong sutera visa platium.

5. Looking at CC from: CIMB Cash Rebate Platinum MasterCard & hong leong wise or other better card.

6. Others: Please be specific: prefer cash back then reward points. i spend money on weekday only.
*for 3house billing.
Big brother please recommend. tqvm.

hmm... not sure which to get. HL Bank Essential credit card or alliance unique credit card?

bro fly126, still undecided on which to take

HL Bank Essential credit card or alliance unique credit card?

HLB Wise is great. but any 2nd card can recommend for higher cap/month. my monthly bill rm 4500, use hlb wise pay tnb rm50x10 time= rm500, still have rm4000 left. please... online search a lot but dont know which is suitable. how about CIMB Cash Rebate Platinum MasterCard?

urm, for petrol cash back i have my citibank  to cover for it. my purpose for this card is sometimes i would use a big sum to purchase something but not very often. for example... thinking of getting a proposal ring with this new card. so thinking which cashback rebate is better for it.

but the card u recommend has a cash back cap at 50 per month for spending over 1.5k

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: Definitely

3. Card required for:

Online Shopping-Lazada,Gemfive and etc
Petrol-Petron and Petronas
Dining-Cashback or Discounts
Phone Bills-Maxis,Digi and etc
Free Lounge Access in Airports (if possible)
Collect points for redemption on catalogue or transfer to cash or can redeem points at participating merchants

4. Existing Cards: None,this will be my first CC

5. Looking at CC from: Anywhere as long as payment method is convenient

6. Others: Less hassle applying it

Appreciate your replies guys!!

1. Annual Income: RM40K to RM50K

2. Free Lifetime Annual Fee: Preferably YES

3. Card required for: TNB, Telekom, Syabas

4. Existing credit cards if any: WISE, UOB One, SC CB Master, Maybank2cards

5. Looking at CC from: any

UOB VOX - 1 transaction with min 50 only entitle for the cashback? so which mean i got 4 transaction, each transaction rm30/40 oso not entitle for the cashback?
RHB Smart Value Credit Card - 5% if spend more than 2.5k?

1. Annual Income: RM45K

2. Free Lifetime Annual Fee: Preferably YES

3. Card required for: Anything

4. Existing credit cards if any: SC (cancel soon), Maybank2cards (also cancel soon)

5. Looking at CC from: any

*Notes: Looking for Islamic CC

Dear Sifu... help would be greatly appreciated.
1. Annual Income: RM64k

2. Free Lifetime Annual Fee: Preferred.

3. Card required for: Mainly Utilities, petrol, groceries, Annual insurance premium, Online transactions as in paypal etc, Weekend dining, cashback or rebates would be great. Potentially overseas usage eg. buy foreign currencies as well.

4. Existing credit cards if any: OUB One card only.

5. Looking at CC from: Anyone that works and accepted widely even oversea travel (rarely travel but still do.)

6. Others:  I am local. Nothing much. Used to enjoy OUB cashback, but do not restrict other form of benefits.  Airport lounge is not a must but why not ? My usage for online utilities payment almost equal to petrol usage. No supp cards for me as yet but I may do so. Just one.

I'm using CIMB Petronas Platinum Mastercard as my main card since 2 years ago and just realized they had reduced benefit of the card    Any recommended credit card mainly for cashback? I generally used my credit card for almost everything (paying my insurance, ptptn, online/retail shopping, petrol etc). My annual fees is around RM45k (not include bonus).

To add up, i got 3 cards in my hand (CIMB Petronas Platinum Mastercard, Maybank2card & BSN Al Aiman).
Maybank2card & BSN just for backup. Rarely using it & i plan to convert my Maybank2card too to other Maybank card due to it useless benefit.

Anyway, I preferred annual fees waived card. Ty.

1. Annual Income: RM40-50k

2. Free Lifetime Annual Fee: Yes

3. Card required for: petrol, groceries, utility bills (tnb, astro, streamyx) and some online shopping, insurance via on9

4. Existing credit cards if any: none, this is my first cc

5. Looking at CC from: any

*Notes: Looking for Islamic CC

Thanks!!

1. Annual Income: RM60k bracket

2. Free Lifetime Annual Fee: Must

3. Card required for:
Petrol (RM160/month)
Insurance (RM600/month)
Cash Back (Online shopping. Dining, Normal shopping) (RM2k and above/month)
AirMiles (can be separate card?)

4. Existing credit cards if any: CIMB Rebate card (not platinum)

5. Looking at CC from: Whichever is better than the CIMB Rebate Card in terms of cashback and airmiles points.

6. Others: Since cashback is mostly capped at RM50 a month, I'm not sure if it's more worth it to swipe my card for airmiles points instead? Certain months my spending can go up to 4-5k.

Thanks a lot!

Hi!

i have been using CIMB Petronas credit card for almost 2 years..
i use the card mainly for petrol.. others for shopping and online shopping..
now, i feel like to change to a better card if there is..

i tried apply for UOB One, but got rejected..

1. Annual Income: RM50K

2. Free Lifetime Annual Fee: Preferably YES

3. Card required for: Main purpose BALANCE TRANSFER.. best provide 0%.

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

5. Looking at CC from: any

you recommend those is need to go bank and register?
cause i thinking to get 1 for petrol and online shopping
but seem like need get 2
if i wanna enjoy this features
> <
the maybank card is it can use for tgv also ?