1. Annual Income: RM100K to RM150K (combined above 180k)

2. Free Lifetime Annual Fee: Min. spending conditions is fine

3. Card required for: I will include avg monthly spending on all categories:

Petrol: approx. 500 RM
Groceries: approx. 800 RM
Dining: approx. 300 RM
Utilities: approx. 400 RM
Phone/Mobile: approx. 400 RM
Online payments (overseas): 400 RM (using Alliance 0% spread condition)
Online payments (local): 300 RM

Insurance payments (general insurance): approx. 10000 p.a. (anual fees can only partially be spread by monthly installments)

Additional expenditures: approx. 2500-3500 monthly, can shoot higher for airtickets etc. (approx. to 10-25 k)

Looking for Cash Back/Rebate and / or AirMiles & Free Lounge Access

4. Existing credit cards if any: Alliance Visa Platinum (privelege, free for life), PB VS

5. Looking at CC from: Maybank VS but spending required too high

6. Others: Please be specific. Trying to max CB and Points for MAS miles redemption. We are not interested in islamic cards.

This post has been edited by PJusa: Jan 27 2016, 02:22 PM

thanks for the pointers.

1. got already

2. will check out RHB VS. since i have a HL with them I should be instant-approved. need to read the details but the free for life no conditions is not bad. the caps are very low and the tear-bases system also not so great. if i spend 3500 to get 6% (capped at 35 RM) i only get 1% CB. even i would max out all cats i only get 3,42857142857143% CB max. while not bad it might be too complicated. might be a backup card though.

3. WISE will be to complicated to monitor + the annual fee drags it all down.