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.

This post has been edited by Sesshoumaru: Nov 1 2015, 09:10 AM

Can you use your EA form? With just 2 months bonus you'd skip over MYR 100k p.a.