Hi, looking for a cc recommendation

1. Annual Income: 53k

2. Free Lifetime Annual Fee: yes or can be waived

3. Card required for: grocery, utility bills, shopping with interest-free instalment when purchase

4. Existing credit cards (if any): none

5. Interested in CC from: cashback or cash rebate

Looking for recommendations from fellow forumers here:

1. Annual Income: RM180K and above
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, groceries, online shopping, online subscription (Netflix, spotify, etc), bills and utilities
4. Existing credit cards (if any): Maybank Islamic Mastercard Ikhwan Gold Card
5. Interested in CC from: Maybank

Hey guys,

I am currently looking for a new credit card because I don’t think I am getting high cashback from the amount I am spending.

My breakdown of credit card monthly expenses as below:
Dining - RM 500
Grabfood - RM 500
Groceries - RM 600
TNG - RM 200
Shopee/Lazada - RM 300
Medical insurance - RM 450
Maintenance fee - RM 350
Maxis - RM 250
Coway - RM 85
Shopping - RM 500 - 1000
Petrol - RM 200 - 300

1. Annual Income: RM 408,000.00

2. Free Lifetime Annual Fee: Prefer to have no annual fee or at least able to waive by calling customer service.

3. Card required for: Petrol, Cash Back/Rebate, AirMiles, Free Airport Lounge Access , premium card

4. Existing credit cards (if any):
HSBC Premier World Master Card
HSBC Visa Signature
Citibank Simplicity Platinum
Maybank Amex Platinum (never used, plan to cancel)

5. Interested in CC from: Citi Premier Card, but the annual fee of RM 1K is ridiculous

6. Others: Perhaps I am looking for 2 different type of credit cards. First one to maximize the amount of cashback from petrol, groceries and other spendings. Second one, premier status credit card with access to airport lounge, but i hate high annual fee!

1. Annual Income: 80,000

2. Free Lifetime Annual Fee: YES

3. Card required for:
a) Insurance
b) Bill payments
c) Topping up touch n go/grab wallet

Looking for unlimited cashback/reward card for large sum purchase (million annually). Last time, I found the Alliance Visa Platinum is best because it provides 8X points which at the end , converted to voucher, about 1+% cashback.

Anyone know any better options? business card will offer better?

hmm the 5000 points for 1000 airmiles is certainly a good exchange rate, but that 800 annual fee is a bit much. need to spend 80k to waive it. thats a lot…

Also for MBB 2 premier is it possible to waive the annual fee with treatspoints?

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cashback, airmiles

4. Existing credit cards (if any): Maybank 2 Platinum

5. Interested in CC from: Any

6. Others:
Average month expenses Petrol RM200, TnG RM150, Groceries RM400, Dining RM400, Food deliveries RM250, Car loan RM600, Utilities RM200, Yearly flight RM5k

I need advice on how to maximize credit card usage for cashback + tips on using CC with ewallets to match my expenses. I only applied the MBB 2 credit card because that's the most common recommendation out there, but now I have tracked my monthly expenses, I'd like to tailor my CC usage. There are so many options out there, I'm not sure which CC is suitable for which expenses. Really need all the advice, thank you!

1. Annual Income: 100k

2. Free Lifetime Annual Fee: Ideally. But I used card frequently so if the min.spend & transaction count is reasonable should be fine.

3. Card required for: shell, groceries shopping (Aeon), online shopping (shopee), (buy games on steam, PSN, Nitendo - not sure if this its own category), pay bills (mobile, tnb)

4. Existing credit cards (if any): HLB GSC Credit Card

5. Interested in CC from: Any bank as long as I can pay loan and check transaction easily via phone

6. Others: 

I rarely use cash nowadays. Its always CC or tng ewallet.

Petrol usually Shell/Caltex/Petronas because better accessibility at my environment (<RM500/month). Don't mind to change the petrol station preference if needed (since I dont own any rewards card like bonus link etc).

Non-online shopping (Aeon, 99, FamilyMart) and dining via CC or tnG ewallet (RM150-RM500/week). I always pay for meal up front then collect from colleagues afterwards hence why the big number. 

Spend quite alot via online shopping (shopee/Steam/PSN/Nitendo). Not sure if Steam/PSN/Nitendo not sure is it same category as online shopping or not. (min. RM500/month)

Pay bills (mobile, unifi) (<RM300/month)

Ideally cashback. I doubt I am smart enough to use all the 'rewards/voucher' that comes with limited date.

Generally I am very 'oblivious' when comes to all the benefit. I did't even applying for a CC. My existing card is just a tumpang application when I apply for car loan. Now I am trying to see if there is any benefit I can squeeze from changing from the HLB GSC Credit Card to new card because this card literally offer 0 benefit to me (I rarely watch movie).
Thanks in advance!

1. Annual Income: RM54000-RM60000

2. Free Lifetime Annual Fee: A Must or waiveable with certain number of swipes/year

3. Card required for: petrol cash back, use to create some credit score

4. Existing credit cards (if any): no

5. Interested in CC from: Any banks is fine

6. Others: need 1 card only

No other card except this? Coz will not use credit card so often, 2 card will charge rm25 per year for each card.

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: A Must or XXX swipe waive

3. Card required for: Cash Back/Rebate for ewallet topup (mostly TnG & shopee), online transaction, jompay & utilities

4. Existing credit cards (if any): Maybank barcelona

5. Interested in CC from: no specific

6. Others: nil

1. Annual Income: RM150k

2. Free Lifetime Annual Fee: Preferably waived. But if benefit exceeds the small amount of fees, can be considered

3. Card required for: All petrol stations, grocery, e-wallet top-ups (TnG), utility fees; also for my monthly payment for life insurance/medical card

4. Existing credit cards (if any): Maybank 2 Platinum

5. Interested in CC from: Open to any suggestions. I'm looking for cards with good cashbacks. I easily spend about rm3k monthly via my credit cards;

6. Others: I would like to have paywave function on the card. Also important that the bank has an app to allow me to check and pay the balance with ease.

hope money sifus will help me with good ones. I've been scrolling around ringgitplus, imoney and comparehero for comparisons. Too many choices and i'm flooded with too many informations.

which credit card can apply online without go to the branch

1. Annual Income: RM150k

2. Free Lifetime Annual Fee: Yes, or by swipes

3. Card required for: mostly TNG Reload, Petrol, Insurance (auto billing), Shopee/Lazada. Monthly usage from RM 2k above. 

4. Existing credit cards (if any): Maybank Barcelona, PBB Quantum Master, HSBC VS.

5. Interested in CC from: Looking for CB for TNG reloads/petrol and maybe a points card for other spending.

6. Others: Looking to cancel all the above and limit myself to 1-2 cards. Preferably 1 CB card and 1 rewards points card (not sure if the HSBC VS should be maintained or there is other better card)
EDIT: no SCB pls, have tried many times before but never got approved

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: Yes, or by swipes

3. Card required for: Cash Back - E-Commerce, E-Wallets, Dining, Insurance, PTPTN

4. Existing credit cards (if any):
M2C

5. Interested in CC from: N/A

6. Others: N/A

1. Annual Income: NIL

2. Free Lifetime Annual Fee: NIL

3. Card required for: Petrol (Petronas), Grocery (Lotuss, Giant, Aeon), Utilities(TNB, Maxis, IWC, Astro, Air Selangor), Online (Shopee), e-Wallet (TnG, ShopeePay, BigPay), Dining, Hotel, Overseas, Insurance

4. Existing credit cards (if any): NIL

5. Interested in CC from: NIL

6. Others: Best available Cashback CC based on my above requirement

1. Annual Income: RM90k gross

2. Free Lifetime Annual Fee: Preferably, I noticed some card waive the fees if you hit a limit.

3. Card required for: Petrol, Grocery, basically try to use a CC for my daily expenses.

4. Existing credit cards (if any): Nil, never had one before.

5. Interested in CC from: Alliance reward program CC, my family been using rewards program CC (UOB/Alliance/Hong Leong). Not sure if this is feasible on me, my monthly expenses <Rm1500 (excluding rent/loan).

6. Others: Cash back can be an option too.

Is there any recommendation for e wallet spending also? cash back. Thanks

please recommend best credit card to use during overseas holiday trip

1. Annual Income: RM 55k

2. Free Lifetime Annual Fee: No

3. Card required for: Dining, Utility bills, E wallet

4. Existing credit cards (if any): HL Wise Gold

5. Interested in CC from: Citibank Cash Back

6. Others: Wish to maximize the cash back gains