1. Annual Income: RM60K to RM80K

2. Free Lifetime Annual Fee: A Must or if the bank allow to waive yearly after reviewing (if it's really that good CC)

3. Card required for: List all your needs (spending as below)
Petrol - 220 monthly - Shell
Insurance - 1500 yearly
Car Maintenance - 1500 yearly
Dining - 300 a month
Pet food - 300 a month

Required : Looking mainly for Cash Back/Rebate Card

4. Existing credit cards if any: Citibank normal card (supplementary for the last 11 years) with reward points, cancelled HLB Wise because i can't meet 10 swipes a month and cancelled Standard Chartered World Miles.

5. Looking at CC from: Maybank /CIMB/ Citibank and open to others

Seems like a good card:
1) MBB 2 cards
2) CIMB platinum
3) Citibank platinum cash back

The plan:
1) Cancel the main and supplementary card for Citibank in the next few months since we don't really want rewards. Cash back is better
2) Switch current card to Citibank platinum cash back but it is subject to if the bank can do yearly waiver for all the cards like the current card
3) Get a spare CC that is free for life in case of an emergency - CIMB platinum has better cashback than MBB i think.
4) I might need one card that is good for my overseas travel this year
5) Any reviews about applying from ringgitplus? Seems like they have free gifts/voucher to be given

This post has been edited by silverwave: Feb 7 2016, 12:45 PM