1. Annual Income:RM120k

2. Free Lifetime Annual Fee: A Must (or easily achievable)

3. Card required for: cashback or good redemption program - online and autodebit insurance- average RM2k p/m, groceries - RM1k p/m, DBKL RM2k yearly, misc

4. Existing credit cards if any: A) 2 x Wise Card (monthly maxed for bill payment/groceries/petrol which is why looking for additional card)

B) CIMB World MC (which is almost useless except for promo at Sam's Groceria now till end March 2016)

C) Essential Card (used for every other thing but since cashback revised to 0.6%, now looking for better options)

D) MBB2 Cards (unused)


5. Looking at CC from: PBB Visa Signature (6% for groceries), You:nique (tiered cash rebate), MBB Ikhwan (5% rebate

6. Others: hardly travel so access to PPL not important


Thanks a lot

Thanks sifus. Will look into these cards recommended. Wow, PBB VS supp have their own rebates, meaning can get up to RM100 rebates a month. That is great news. Think will convert MBB2 cards to Ikhwan and CIMB WMC to a CIMB cashback card. Will read up on them.