1. Annual Income: around RM 80k

2. Free Lifetime Annual Fee: Must

3. Card required for: cash back or high rewards points

4. Existing credit cards if any: M2U Dual Gold, RHB Travel & Evo, OCBC Titanium, AEON NEW Gold

5. Looking at CC from: any

6. Others: Please be specific.: No

just get to know that Maybank dual no longer has 5% weekend cash back which usually i used it for petrol & groceries. RHB cards basically is useless for me which I applied it to get a free luggage few months ago, will cancel it after 9 months.
AEON card for any aeon expenses and cash back campaign.

Looking for a good cash back cards that offer good rebates for petrol & shopping, not prefer Wise as it need AF & 10 RM 50 swipes which I don't think I can swipe up so much in a month.

thanks.

After go through few threads including recommendation here. I'm going to apply 2 - 3 cards in the next few months:

My routine spending:
Groceries (weekend): 300 - 400
Petrol (weekend): 300 - 400
Utilities (TM unifi, celcom, TNB, Astro): 500
Shopping (Online & Retail): 300

Thinking to get:
Maybank IKHWAN for Groceries & Petrol (5% rebate) - including monthly top up touch N go at Jaya grocer
CIMB Cash Rebate for Utilities/Shopping (2% rebate)

Will going to cancel RHB Evo & Travel, OCBC Titanium and considering to get HLB Essential for expensive purchasing occasionally such as furniture, electronic kind of stuff.

So if the coming months really follow as planning, the cards I will be holding in future will be:
Maybank 2 cards (still keep for 5x rewards & 5% dining)
CIMB Cash Rebates
Maybank IKHWAN


Would like to ask the above planning looks alright for my spending? Any great cards recommended to add-on?

Thanks for your suggestion, will look into WISE card and re-calculate my spending if can beneficial from the 10% cash back.

For AEON WATAMI the quarterly 3% cash back only apply to retail transaction right? If so besides petrol/groceries (which will use ikhwan for 5% weekend), all the utilities bill I've made through auto-debit or internet payment. Don't think my other expenses besides petrol/groceries/utilies can hit RM1k/month.

including online transaction as well? because always noticed the T&C has mentioned retail transaction, I thought it will be excluded for online transaction.

okok, thanks for the info!

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: No (if rebate worth for the annual fees)

3. Card required for:

- Petrol (300/month) - Maybank Ikhwan (Friday/Saturday) / AEON Big (Sunday)
- Groceries (400/month) - Maybank Ikhwan
- Insurance (600/month) - - CIMB Cash Rebate
- Utilities - Unifi, TNB, Astro (600/month) - CIMB Cash Rebate
- Mobile (85/month) - CIMB Cash Rebate
- Online Shopping (200/month) - CIMB Cash Rebate
- Others (500/month) - CIMB Cash Rebate

4. Existing credit cards if any:
- Maybank Ikhwan Mastercard
- NEW AEON Gold
- AEON Watami (replace by AEON Big soon)
- CIMB Cash Rebate
- Maybank2Card
- OCBC Titanium

5. Looking at CC from: Any cash rebate card other than currently holding

6. Others: since AEON watami is discontinued I have to switch my monthly expenses over for more cash rebate, looking for any cards that can benefit more on Insurance/Utilities spending. Just apply for HLB Wise & Essential last week but get rejected, was thinking to use HLB Wise mainly for Petrol & Groceries, then Essential for Insurance and others. Now I have no idea which card to replace it.