1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only

4. Existing credit cards if any:  Nil.

5. Looking at CC from: Any bank that give cash back

6. Others: I want cash back only and optional for reward points.

May i know which credit card gives the most cashback, unlimited?
I know OCBC gives 1.2% unlimited cahsback. But it is up to 50 capped price only. thank you

How are these unlimited cash back?

1. Annual Income: RM36K to RM42K

2. Free Lifetime Annual Fee: Preferably YES

3. Card required for: General usage
-> uniqlo/padini/h&m
-> pharmacy (not watson/caring/guardian)
-> Electrical store like harvey norman/senheng
-> other retail spending

4. Existing credit cards if any: Ikhwan, UOB VOX, CIMB CR

5. Looking at CC from: any

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cashback or points for shopping/dining/bills etc.

4. Existing credit cards if any: Maybank Ikhwan Mastercard

5. Looking at CC from: any shariah compliant provider (Islamic/card-I). MBB, CIMB, RHB, HLB are around my location though.

6. Others: Ikhwan MasterCard give 5% CB only for petrol and groceries. I usually pay using CC and maybe can benefit something from my new CC 
I use the most for online/offline shopping and dining.

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

Younique is from alliance

How much % of cash back do you get from CIMB Cash Rebate Platinum Mastercard if you pay bill not via standing instruction?  e.g login to cimb clicks and pay TNB using CR card.

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!

Appreciate your input.

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: either this, or waived with monthly swipes.

3. Card required for: Groceries, International usage, petrol

4. Existing credit cards if any: CIMB Platinum 

5. Looking at CC from: Any

6. Others: prefer something with enrich points, only thing i seem to utilize.

Thank you.

1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: If yes, better. If not, that's okay as I can cancel if they don't waive.

3. Card required for: Going to do house renovation and buying lots of house furniture. Need to see which card has the best return (cash back or points)

4. Existing credit cards if any: HLB Wise, PBB VS and Maybankard 2

5. Looking at CC from: None yet.

6. Others: Doesn't have to be long term card.

Thanks!

i) HLB Essential, since U got HLB Wise can try Request for Additional Card.
ii) Alliance You:nique Card

iii) SCB Cash back Gold

iv) RHB Business Plat.

https://forum.lowyat.net/index.php?act=ST&f...post&p=79717613

Hi All, I got 4 credit card now but i only plan to left 2, the purpose that i applied so many card previous is to purchase new home furniture with installment. There is still some outstanding balance inside but not an issue, i can clear or balance transfer to the remaining card. But please recommend me which 2 card is worth to kept.

Current cards i have :
1. HongLeong Mach Card
2. Aeon Gold Master Card
3. UOB One
4. Maybank Islamic Platinum Card

Normally i used to Balance transfer or doing installment for some electronic or home appliance. Or other than that will be only used for petrol or retail shopping, hardly used for dinner / movie / entertainment... Isn't wise to use credit card to paid for house installment or car installment? Any benefit to do so? I never tried

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must 

3. Card required for:
Education - 600 (320 foreign + 280 local)
Retail - 450
Insurance AIA - 400
Gym - 200
ETS Train/Flight - 180
Dining - 100
Petrol - 100

4. Existing credit cards if any:
Maybankard 2 Cards
Aeon Watami
OCBC Titanium (to cancel)

5. Looking at CC from: Any

6. Others: Cash Back/Rebate Only

.
.

1. Annual Income: RM36K to RM60K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: (1) Petrol (shell), (2) Cash Back/Rebate, (3) Golf (least important) and (4) widely accepted by most of the retails for zero interest installment purchase.

4. Existing credit cards if any: Nil.

5. Others: I will be doing dental braces (have yet to search and decide which clinic to attend to) and hence I am looking for a card which is widely accepted for installment purchase so that I can utilise the instalment plan to repay the clinic.

.
.

I am not a muslim, am i eligible for ikhwan?

Erm, it is RM 50 of 6%. Cost effectiveness is spend RM 833.33 can get RM 60.

Majority is TNB which is around RM10k/month which is quite massive and prior to this we did not do any cash back just pay normally. But bear in mind it is a few dozen properties. Water bills are very minor, probably few hundred at most.

So, 1 credit card under 1 name are entitled to only RM50 cash back/month. I'll need around 12 different accounts? 

1. Annual Income: RM40K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Monthly Insurance, & mostly on car service & car annual insurance

4. Existing credit cards if any: Nil.

5. Looking at CC from: any bank

6. Others:  Cash back or reward points both are okay

Do you think UOB Vox is suitable? He didnt even mention anything on online transactions.

If general expenses, SCB Gold, OCBC 365, HLB Fortune, HLB Essential are better choices.

1. Annual Income: rm 32k

2. Free Lifetime Annual Fee: Yes if possible

3. Card required for: cashback for petrol, shopping, dining

4. Existing credit cards if any: cimb credit card

5. Looking at CC from: any bank

thanks