First of all, you may provide more info on your usage on credit cards so that others can assist you in determining the correct cards.

As for credit limit reduction, you may do so if you feel unsecured about the high limit. Plus, it helps if you plan to apply loans or more credit cards in the future.

Primarily focused on cash back as I don't really see the benefits of any other types of card. Or at least those I know of. Free annual fee as well.

On the second point, can you elaborate further on what you mean if helps if I plan to apply loans or more credit cards?

I'm planning to terminate by MBB 2 Cards Plat as I almost have zero usage of it these days. Same goes for the CIMB Cash Back.

In return, I would like to take the PBB Visa Sig. and RHB World Mastercard on top of the UOB One card I have, is this advisable?

Lastly, can I request for a reduction to my credit? I think they gave me a stupidly high amount based on my income but I have almost no need for that, or just let it be?

Hi, i m lookinf for credit card to pay my household  great eastern insurance. Which card offer the best cash back?

I checked ocbc GE platinum card but cant find any promotion regarding the casb back on insurance.

Thank you in advance

You may post here https://forum.lowyat.net/topic/3644347. Just follow the format.

About my 2nd point, if you free up some credit limit, it will improve your chances of approval for credit cards, car loan, housing loan etc, as you will still have some quota left in your credit assessment / debt ratio, iinm. Maybe others can further explain to you as I am no expert

Hi, i m lookinf for credit card to pay my household  great eastern insurance. Which card offer the best cash back?

I checked ocbc GE platinum card but cant find any promotion regarding the casb back on insurance.

Thank you in advance

Online shopping with the CIMB Cash Rebate card applies to certain online stores like Lazada only or any merchant? Purchases on Dell counts?

What is the advantages of CIMB cash rebates compare to UOB Vox card?

For online spending i think UOB VOX is better since it doesn't have any restriction on online spending. Cash rebates includes airline tickets also while CIMB not entitled.

What is the advantages of CIMB cash rebates compare to UOB Vox card?

For online spending i think UOB VOX is better since it doesn't have any restriction on online spending. Cash rebates includes airline tickets also while CIMB not entitled.

Well, both have their own pros and cons. I have both to ease my life.
Honestly, most of my online purchases are charged to VOX rather than CIMB CR.

This is my own summary for these cards:
i) CIMB CR is a free for life card while UOB VOX is not, you will need to spend at least once per month (no minimum amount) to avoid RM 6.00 monthly charges.
ii) CIMB CR has no minimum amount for online transactions in order to be eligible for cash back but VOX requires you to spend at least RM 50 per transaction to be eligible for cash back.
iii) CIMB CR's maximum cash back for online transactions is only RM 30 (that means max spending for online transactions is RM 600) while VOX can be fully maximized at RM 50 (for RM 1k of spending).
iv) CIMB CR's has a fixed date of cash back crediting while UOB VOX sucks here and according to T&C, it is by 30th of the following month. Sometimes the VOX's system behaves while sometimes it doesn't. I'm involving BNM in this matter. (edit: fixed already, usually will credit on 20s of the month)
v) CIMB CR has cross borders charges (read here) while VOX doesn't have.
vi) CIMB CR's maximum cash back for online transactions is only 5% while UOB VOX is 5.3% (5% - online transactions + 0.3% retail transactions).
vii) CIMB CR doesn't give cash back for flight tickets while UOB VOX gives.
vii) CIMB CR doesn't give cash back for UOBPayOnline transactions while UOB gives (refer to first post of this thread).

So in conclusion, apply for both.

My own summary.

Hi anyone

Is there any credit card in Malaysia that offer you longer interest free settlement period like 40 - 60 days ?

Hi anyone

Is there any credit card in Malaysia that offer you longer interest free settlement period like 40 - 60 days ?

Is it necessary to call the banks nowadays, before going overseas?

Apparently this is for business owner.  It is not a personal CC. I am looking for a personal CC .