1. Annual Income: 65K

2. Free Lifetime Annual Fee: Must

3. Card required for:  Cashback for Petrol, online transaction, mobile and broaband utilities

4. Existing credit cards if any:  Maybank Dual and CIMB Cashback

5. Looking at CC from: Need to replace the Maybank Dual Card function, its kinda useless right now, CIMB Cashback useful for online purchase only can keep this
Please advise what card or combo to use

He wants a free AF card.

1. Annual Income: RM120+k

2. Free Lifetime Annual Fee: not compulsory

3. Card required for: cash back for petrol,  grocery, online retail, bill payment. Prefer cb on any day instead of specific weekend only.

4. Existing credit cards if any:
UOB one.

5. Looking at CC from: any

may i know is there any bank doing a promotion with free item for a certain amount of spending?

Just saw public bank petron promo
25% cb on Saturday
Just wow

1. Annual Income: >100k

2. Free Lifetime Annual Fee: Yes (no VS/VI/WMC etc., err don't need the fancy lifestyle perks)

3. Card required for: Cashback, to fill other spending requirements not covered by my existing credit cards

4. Existing credit cards if any: Maybank 2 Cards, OCBC GE (applying), Maybank Ikhwan (planning to apply), AmBank Gold Visa Card which was with me from a long time ago (any cards from AmBank that I can switch to?)

5. Looking at CC from: Any bank.

6. Others: I don't spend a lot consistently so pre-reqs such as Aeon Watami or HLB Wise is out. I need straight forward CB. Not keen on points because I don't spend that much to start collecting points in another bank especially with non-evergreen points.

Petrol Groceries - Covered @ 5% CB on Fri + Sat by Ikhwan. Otherwise, Maybank AMEX for 5x points if unplanned spending.

Dining - Always try Maybank AMEX first especially on weekends, if not failing that, to use OCBC GE (1% CB).

Dining would cover most of my spending, also the most uncontrollable factor for me (unlike petrol or groceries).

PS: While I'm at it, is there any difference between OCBC Classic GE or OCBC Plat GE? Websites shows none.

1. Annual Income: Around RM24K

2. Free Lifetime Annual Fee: Any.

3. Card required for:
Petrol,
Groceries,
Online Shopping

4. Existing credit cards if any: None.

5. Looking at CC from: Any

6. Others: Cashback and rewards perhaps.

I am looking for CC, please advice (I am Malaysian, working overseas)

1. Annual Income: RM 75k

2. Free Lifetime Annual Fee: Yes/auto-waive with minimal swipes

3. Card required for: List all your needs
I work overseas. So basically everything that I use, buy and eat.
4. Existing credit cards if any: nope

5. Looking at CC from: Maybank or will consider others depend on benefit given

Please advice.

1. Annual Income: 75k

2. Free Lifetime Annual Fee: Doesn't matter but prefer free

3. Card required for: Petrol, utilities fee(internet,water,electricity), shopping(jusco,tesco etc) and online shopping

4. Existing credit cards if any: alliance

5. Looking at CC from: does not matter

6. Others: My CC spending priority are such as Petrol>Utility bills>shopping>online shopping

Rarely use for online shopping, hence does not matter getting any benefit or not for online shopping.

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.

hi would appreciate some recommendations,

1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Supplement card for parents to use on petrol, groceries. cash advance option.
                             
4. Existing credit cards if any: HSBC

5. Looking at CC from: Maybank, Cimb

6. Others: main use would be from supplement card for local use.

Thanks

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for:

Insurance/PTPTN-400
TM & TNB & Syabas: 200
Groceries - 200
Dining - 50-100
Petrol - 200
Online transaction-Often(Groupon, Lazada, Taobao amount vary)

**Prefer cash rebate and discount on online transaction, point redemption.***

4. Existing credit cards if any: Nil.

5. Looking at CC from: MBB/CIMB/etc

This is my first credit card, and hope to get another for BT.

Thanks.

Really? This is the best news ever.
I will clear and use BT.

I thought cannot pay loan with credit card.

Only CIMB cc offer online purchase 5% cb?

dear sifus,

i currently have a hlb wise which gives me the rm100 cash back.
problem is i spend about 2-3k in total which includes alot of dining and bout rm500 for petrol. to maximize my cash back, i'm considering just using it for dining and using another card for my petrol.

any recommendations for the new petrol card (i saw some suggestions of mbb ikhawn on top)?
or is there any other card that i can take advantage of for the dining cash
back (sharing my usage among both)?

thanks in advance.

1. Annual Income: RM39k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Dining mainly on weekends. Groceries and Fashion. Petrol negligible as I only pump twice per month.

4. Existing credit cards if any: None

5. Looking at CC from: Please suggest

6. Others: Thinking of MB2C Gold. At least AMEX got reward points. What do you think?

Thanks for your input sifu.

1. Annual Income: RM35k - RM38K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs
Petrol - 100 - 200
Food - 200-300

4. Existing credit cards if any: NIL

5. Looking at CC from: Any

6. Others: Must have cash back.

Dining.. but ikhwan only sat and fri.. haha

OCBC Titanium still give 1% cash back for online purchase?

1. Annual Income: RM 30 to 36k

2. Free Lifetime annual fee: optional

3. Card required for: emergency backup caed

4. Existing credit cards if any: Nil, only debit cards.

5. Looking at CC from: please recommend

Hi all, this will be my first credit card. I've tried uob and hong leong but got rejected and I wonder was it because of my epf transactions. I only have epf transaction from may to September which are 5 transactions when I applied both the cards. Now I have 6 months of epf transactions. Is it easier for me to apply now? Or anyone can recommend any credit cards that are easier to apply comparatively? Thanks guys!