Just got my First card today... Uob 1 plat..
But notice I must find a better card for unifi and GE insurance...
Will the Aeon watami be a fit ? 3% on everything ? Including dedicated pubs and Bars (don't see them serving food)?

Understand Aeon Watami rebat 3% quarterly on everything except petrol with min. spent on RM 3000. Just to confirm "the everything" include cond maintenance fee and AIA insurance? Anyone can answer?

1. Annual Income: around RM48K

2. Free Lifetime Annual Fee: Must

3. Card required for: cash back only

4. Existing credit cards if any: Hong Leong Wise card (sup), maybank (amex+visa, thinking of drop it) and Citibank (Platinum + Clear)

5. Looking at CC from: CIMB cashback

6. Others: Please be specific.: No

Maybank CC really have no benefit for me now, thinking of drop it after spend all the point and get a replacement card. I have WISE card for petrol cashback, now looking for other transaction cash back card. probably on online spending or streamyx payment.

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.

Hello!

Any sifus can advise on a card that suits my needs below?

1. Annual Income: 50K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash back

4. Existing credit cards if any: Maybank 2 Gold Cards + OCBC Titanium

5. Looking at CC from: Any

6. Others: I use KLIA/KLIA2 on a frequent basis. Card mostly used on petrol, groceries, insurances, internet and phone bills, online purchases.

Guys. I heard that aeon watami no more for new applicant?

looking for good balance transfer card ...

currently i have :-

Maybank 2 Cards
Citibank Card
HSBC Card

any suggesstion for balance transfer of 5K plus ? probably zero insterest plan for 6 months..

can someone recommend me the easiest cc to apply for first timer?

any recommendation for HL CC? i am planning to convert my wise gold to other card. Cashback will be prefer

1. Annual Income: RM42K +-

2. Free Lifetime Annual Fee: Yes!

3. Card required for: Priority wise Petrol about RM300+- (Pump mostly during weekdays, seldom pump on weekend), online/electronics purchase, dining and retail

4. Existing credit cards if any: Nil. I have only 2 debit cards

5. Looking at CC from: Any

6. Others: Preferably higher cash back

Thanks!