Please follow the template on second post.

Sorry fruitie.
1. Annual Income: RM50k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol, Grocery, Bills

4. Existing credit cards if any: ocbc,ikhwan petronas

5. Looking at CC from: None at the moment.

6. Others:looking for free annual fee only.

Maybank Ikhwan MasterCard for petrol and groceries, UOB VOX for bills.

I see no purpose for your OCBC Titanium I supposed? Anything that you are using with it?
Ikhwan Petronas if you want 8xTP.

This post has been edited by fruitie: Dec 12 2015, 12:58 PM

Yes..i want to terminate ocbc card..use it last time on 5% rebate..but now useless.haha..thats why looking for good cards for cash rebate.uob vox have annual fee right..want to pay unipai..which card got rebate.heee

This post has been edited by shamsay: Dec 12 2015, 01:13 PM

UOB VOX has AF but counted on monthly basis, RM 6 per month but will be waived if you use once every month regardless amount.
Since you are going to pay for UniFi, then this so-called AF is negligible.
I kinda like this card, only need to spend at least RM 50 per transaction to get online cash rebate. Can get cash rebate for bills and flight tickets which CIMB CR cannot. I also have CIMB CR anyway.

1. Annual Income: 30k-40k

2. Free Lifetime Annual Fee: If possible

3. Card required for: As backup

4. Existing credit cards if any: RHB Travel money , In the proccess for MBB 2 cards ,will cancel RHB once this approve

5. Looking at CC from: Citibank , CIMB , UOB

6. Others:

backup for?

Woow.seems all cards you have tapaw.hehe

Unless you spend RM 1k per month for backup, then Aeon Watami is not bad.

Not all la, I think I have 12 cards now.

Annual income: 44k

Card required for: collecting travel points in the future.

Currently working in company covering my working expenses, plan to use this card to collect points on these expenses, so can exchange travel tickets in the future.

Any recommends?

Any good recommend if monthly spend up to 4-5k? Thanks!

spend on what categories? otherwise just hlb essential 1% for everything except petrol.

1. Annual Income: >100k

2. Free Lifetime Annual Fee: Yes, can be waived within reasonable amount (not 50k. LOL)

3. Card required for: Petrol

4. Existing credit cards if any: Mbb2amex plat, new Aeon Gold, PBB VS, CIMB CB plat, MBB VS (canceling soon), SCB WorldMiles (canceling soon)

5. Looking at CC from: Mbb islamic ikhwan (but only for fri and sat, which I cant really utilize it, most likely every 3-4 days need pump petrol)

Any other card I can fully utilize? Sorry. Am lazy to check all credit card thread to get the details. Hope get some taikor spoon feed me. haha. Thanks in advance.

uob one good for petrol. 2% on weekdays and 5% on weekends. if you pump at bhp, you will get additional 2% smart$, which means 2%+2% and 5%+2%.

you may also try hlb wise 10% but need to fulfil 10x >rm50 transactions per calendar month based on posting date.

second card or when the first one not available

If you want to change for air tickets, the best would be M2C 2 Premier but it's a whooping 120k PA or you can pledge FD to get it.

It's truly the best spending : points ratio compared to other major air miles card.

Fully utilize = MBB Visa Signatures but have epic 50k requirement to waive.

Lesser option : Ikhwan, CIMB Master CR (2%), UOB One ( Weekend 5%, weekdays 2% ), SCB Petrol CB ( But need spend around 888 to get back 33? ), HLB Wise ( Have to plan your budget accurately to fulfill 10 x 50 )

1. Annual Income: >50k

2. Free Lifetime Annual Fee: If possible

3. Card required for: cashback big amounts e.g (5k one shot, 6k one shot, sometimes 8-10k one shot)

4. Existing credit cards if any: MBB 2 card

5. Looking at CC from: CIMB Cashback, Hong Leong WISE (already applied, should be approved soon)

6. Others: AEON Watami got rejected, no reason given.

Mostly for insurance (6k per annum), SSPN (6k per annum), online shopping, petrol, utilities, food (rm300 average each per month).

can recommend me for diff card for diff purpose.

hlb essential 1%

1. Annual Income: around RM40k

2. Free Lifetime Annual Fee: prefer annual fee waiver, however conditional waiver (excludes minimum annual spending amount) can be accepted too.

3. Card required for: Cover most online transactions, preferably includes airline ticket purchases too.

4. Existing credit cards if any: HLB WISE, UOB ONE, MBB2 card

5. Looking at CC from: CIMB Cash Rebate Platinum MasterCard (not include flight ticket), UOB VOX (AF waiver requirement a bit troublesome, not sure about cash back for flight ticket booking-appreciate if someone can confirm it), PBB Visa Signature (hard to get with my annual income, not sure about cash back for flight ticket booking-appreciate if someone can confirm it)

6. Others: It will be my secondary card which covers most online purchases, preferably including flight ticket purchases.

This post has been edited by akh2920: Dec 16 2015, 03:13 PM

you can consider AEON Watami card, if you can secure RM3K per quarter spending, then you can use it for anything at 3% cashback.