1. Annual Income: N/A

2. Free Lifetime Annual Fee: Yes

3. Card required for: RM4k item

4. Existing credit cards if any: M2U 2 Card, AMbank , UOB One Card

5. Looking at CC from: Cash Back or free gifts when swipe rm4k

6. Others: none

1. Annual Income: RM110K

2. Free Lifetime Annual Fee: Yes or waivable

3. Card required for: Petrol, groceries, dining, utility bills, general shopping

4. Existing credit cards if any: Citi Platinum

5. Looking at CC from: Maybank but open to suggestion

6. Others: Reward points or cash back

Public Bank Visa Signature
Maybank Visa Signature

1. Annual Income: over 100k

2. Free Lifetime Annual Fee: Optional

3. Card required for: ONLINE SHOPPING

4. Existing credit cards if any: M2Plati, WISE GOLD, UOB ONE PLAT, HSBC AMANAH, CITI CB AND BUSINESS PLATI, Cimb CB, CIMB VSIGNATURE, CIMB WMASTERCARD, MBBIS IKHWAN PLATI, HLB ESSENTIAL.

Previously canceled: OCBC TITANIUM, PBB VISA PLATI

5. Looking at CC from: Cash Back or points

This post has been edited by ck23: Nov 12 2015, 04:07 AM

PBB Visa Signature, UOB Vox

For online transactions, which card is better? UOB VOX Card, or CIMB Cash Rebate MasterCard?

For this comparison, please exclude PBB Visa Signature Card, since commoners like me are not eligible for it.

At a glance, UOB VOX Card is better and more versatile, since it offers cashback for air ticket purchase and bill payment. One drawback is that minimum spending is RM 50, but this is not a major issue.

For CIMB Cash Rebate MasterCard, it does not provide cashback for air ticket purchase. It also mandates that the bills are to be paid via standing instruction (less flexible, and we cannot choose payment amount), and gives lower cashback (2 %).

I hope that the experts can shed some light on this, and provide unbiased and fair comparison.

This post has been edited by kart: Nov 15 2015, 09:12 AM

i think you pretty much got it right. just up to your own usage.

I wrote a comparison earlier and now more bill payments were proven accepted. Like TNB as well via UOBPayOnline.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol (Only pump shell), cash back, dining discounts, online shopping

4. Existing credit cards if any: Nil.

5. Looking at CC from: any card would do as long as maximum cash back for petrol (pump ard RM800 worth every month) and annual fee waiver.

This is my first credit card guys, if you could help recommend me it would be really great!

Thanks.

This post has been edited by Watta??: Nov 15 2015, 06:18 PM

Deleted...

This post has been edited by fly126: Nov 15 2015, 10:50 PM

Edited 2x post...

This post has been edited by fly126: Nov 15 2015, 08:27 PM

MBB Ikhwan CC is Free for Life
5% Cash back (petrol, Grocery) at Fri, Sat capped at Rm1000 with Max CB 50 per month.

This post has been edited by fly126: Nov 15 2015, 08:23 PM

Any chances there are other cards to recommend? As my traveling is not fixed and can't make sure I only pump on weekends. I normally would have to pump during weekdays as that's the time I travel the most.

CIMB Cash Rebate Mastercard also Free for Life but only 2% CB on Petrol...

http://www.cimbbank.com.my/content/dam/cim...July%202015.pdf

1. Annual Income: N/A

2. Free Lifetime Annual Fee: Does not matter.

3. Card required for: Air Miles Conversion.

4. Existing credit cards if any: None that has anything to do with air miles.

5. Looking at CC from: MBB Visa Infinite/ Premier / Mastercard World / Etc

6. Others: Best conversion to air miles / PPL entry overseas if possible / Oversea spending.

Saw MBB Premier that comes with an Amex Reserve, MBB VI which is a product on it's own and MBB Mastercard World which has evergreen Air Miles compared to the previous 2 which have 3 years validity.

Which one would be better in terms of overspend spending and Air Miles conversion. Got a little confused with their products :/

Open to other bank's card if the conversion rates are better / better perks compared to MBB and etc.

Thanks.

This post has been edited by chiahau: Nov 16 2015, 12:03 PM

1. Annual Income: RM36K to RM40K

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: Petrol

4. Existing credit cards if any: MBB Ikhwan, AEON Watami

5. Looking at CC from: CIMB Cash Rebate Platinum

6. Others: I'm looking for an alternative Petrol CC on days besides Friday/Saturday. Is CIMB Cash Rebate the ideal among all in the current market?
HLB Wise got rejected.

This post has been edited by Kr0ll3R: Nov 16 2015, 09:19 PM

How about UOB One Plat then?

Thx. I read before that UOB likes to revise their T&C and there's an allocated sum of total cashback, first come first serve.
Will dig out at night, currently on mobile.

U should get CIMB Rebate Mastercard for your Daily Usage, it's Free for Life
OR
How About Citibank CB Card, 5% cash back on Petrol...!?
But beware of their AF...!!!
https://forum.lowyat.net/index.php?showtopic=3672923

This post has been edited by fly126: Nov 17 2015, 11:08 AM

AEON Big Gold Card - 5% petrol on Sundays + 6x PPL accesses.