1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate for Petrol, Online Transactions (Bills), Online Overseas Transactions (Online via Steam / etc.), Sometimes Physical Overseas Transaction (trips)

4. Existing credit cards if any: MBB2Card, Citi Clear Card.

5. Looking at CC from: No Idea

6. Others: I want to maximize the potential cash back per month. Previously I am able to achieve all of the above cash back categories with only MBB2Card but with the recent 1 Aug implementation (removal of 5% CB), guess I gotta need multiple cards to do the above. Monthly spending for above is usually within 800 ~ 1200 only. Some months the spending (Overseas) will exceed 5k, only for business trips. Breakdown of common expenses monthly:
- Bill ~250
- Petrol ~250~350
- other spendings are as-and-when (i.e. swipe on behalf) to achieve 1k cashback cap / business trip spendings.

This post has been edited by polarzbearz: Jul 19 2015, 12:59 PM

Hmm, the 10 x RM50 is the tricky part because certain months, the transaction qty is way below that number of usage/swipe

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Either Free or Waivable with easy conditions (swipe 12 times, etc)

3. Card required for: Overseas Transactions, and local utilities etc.

4. Existing credit cards if any: Maybank2Card Gold, Citibank Clear Card

5. Looking at CC from: CIMB Cash Rebate Platinum MasterCard, Public Bank Visa Signature

6. Others:

Currently I'm charging everything to MBB2Card AMEX whenever possible to get 1.25%(?) equivalent cash back in the form of TreatPoints. But as I frequent overseas business trip, not sure if there are better cards out there that I can reap benefit/cash back(preferred). Approx spending of MYR 5k~20k+ per quarter - huge chunks on hotel.

Am also considering PBB VS / CIMB CB MasterCard for my bills / online purchases, but bills wise it's really little (<=RM500 per month). However in few months time I'll be posted for short term overseas assignment and still hesitating whether to use local cards, or to collect Malaysia Card's point (for long term).

This post has been edited by polarzbearz: Jun 22 2016, 01:05 PM