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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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Human Nature
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Mar 13 2022, 12:38 AM
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QUOTE(XweienX @ Mar 12 2022, 11:08 PM) 1. Annual Income: > 96k 2. Free Lifetime Annual Fee: Not necessary, as long as CB can cover. 3. Card required for: Cashback through: - Bigpay topup (to double dip for GrabPay) - If above cannot, then Grabpay - at least 500 per month 4. Existing credit cards (if any): PB Quantum 5. Interested in CC from: N/A Need another source since PBB removed e-wallet topup cashback. Affin Duo Visa or PBB Islamic Visa
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Human Nature
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Apr 14 2022, 12:44 AM
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QUOTE(Strifez @ Apr 13 2022, 10:08 PM) Dear sifu, Can u recommend me a credit card Annual income: Rm45k Annual fee: None Usage: 1. Grocery 2. Dining Prefer cash back as I have Hsbc credit card that is point based But if there is a better point based card, kindly recommend PBB Quantum Visa, 5% cashback for >RM30 wave
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Human Nature
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May 30 2022, 03:49 PM
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QUOTE(KHOdin @ May 30 2022, 03:31 PM) is affin duo and pib visa platinum is the current best card for e wallet reload? Yes
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Human Nature
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Jun 22 2022, 09:39 AM
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QUOTE(contestchris @ Jun 22 2022, 09:37 AM) Best sign up offers at the moment? Some good ones at ringgitplus, but it is a 3rd party.
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Human Nature
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Jun 22 2022, 10:32 AM
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QUOTE(contestchris @ Jun 22 2022, 09:57 AM) Ringgitplus signup offers can stack with the credit card company's own sign-up offers? Most llikely cannot
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Human Nature
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Oct 12 2022, 03:26 PM
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QUOTE(Tokik Siwok @ Oct 12 2022, 02:35 PM) Hi, im looking to get my first CC for online purchase, grocery, and petrol. Saw this Hsbc platinum cc on ringgitplus with free 1k TnG credit. However this card has no cash back and only can collect points. Is this a good deal? My annual salary is >50k and i dont think I'll spend more than 1k a month with the CC. It is only good for the free 1k TNG. Maybe can have a look at HLB Wise, but need to be abit discipline on getting its cashback.
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Human Nature
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Dec 5 2022, 11:27 PM
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QUOTE(Isaac.2107 @ Dec 5 2022, 12:43 PM) Hi everyone, Im looking for my first credit card to improve my credit scores. 1. Annual Income: about RM61k yearly 2. Free Lifetime Annual Fee: Would be nice if it is. 3. Card required for: Cashback. Gonna use it for all groceries purposes and online shopping. Planning to do easy payment plan for those big big purchases (>RM4k). 4. Existing credit cards (if any): Nope 5. Interested in CC from: Open to any bank for now. Usually first card, best to apply from the bank where your salary is credited at, for higher chance of approval.
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Human Nature
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Dec 6 2022, 02:17 PM
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QUOTE(Isaac.2107 @ Dec 6 2022, 02:11 PM) I see. If thats the case. What cc recommend from cimb? Personally, CIMB cards are not attractive. Or maybe you wanna try Hong Leong Wise? Or Public Bank Islamic Visa and Mastercard
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Human Nature
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Dec 6 2022, 02:42 PM
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QUOTE(Isaac.2107 @ Dec 6 2022, 02:24 PM) I don't mind any cards. Just wanna start making my credit score look better while earning cashback. Try those two first, good for cashback, see their features at respective website. If rejected, then only get from crediting salary bank. Don't apply all at the same time. This post has been edited by Human Nature: Dec 6 2022, 02:44 PM
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Human Nature
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Feb 21 2024, 03:55 PM
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QUOTE(tkwmm @ Feb 21 2024, 03:41 PM) Hi My spending normally is around E-wallet - 2000 Insurance - 300 Car Loan - 600 Shopee - not fix. Which one is more suitable ya? Public Islamic Bank Visa Platinum / Affin Duo Cant pay car loan using CC
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Human Nature
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Jul 21 2024, 03:49 PM
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QUOTE(ideaplus @ Jul 21 2024, 11:55 AM) Hi, I have looked at all the TnC, but I didn't find any lines stated got CB for insurance. If I have CB for insurance, I am also interested, as my monthly commitment to insurance is also quite a number. Thank you for your answer. insurance autodebit
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Human Nature
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Jul 22 2024, 06:54 PM
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QUOTE(ideaplus @ Jul 22 2024, 06:41 PM) Do you mean I sign up for my insurance as auto debit via this Affin Duo and then can enjoy CB? Correct
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Human Nature
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Jul 27 2024, 10:20 PM
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QUOTE(Duckies @ Jul 27 2024, 09:56 PM) Eh for insurance need auto debit then only got cashback? If pay manual how ya? Hmm no idea about this
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Human Nature
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May 27 2025, 05:09 PM
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QUOTE(Ramjade @ May 27 2025, 04:35 PM) Hi guys pls recommend: 1. Annual Income: RM120k 2. Free Lifetime Annual Fee: waived 3. Card required for: anyday groceries shopping with mine 3% cashback. Something like Maybank visa signature 5% cashback without the fees. 4. Existing credit cards (if any): 1. Maybank ikhwan gold MasterCard 2. Maybank ikhwan platinum amex 3. Maybank 2 gold 4. Affin duo visa cash back 5. Affin duo+ visa 5. Interested in CC from: any credit card that can give min 3% cashback for anyday grocery shopping without the need for min spend. 6. Others: Nil Main goal: any credit card that can give min 3% cashback for anyday grocery shopping without the need for min spend. While waiting for others to reply with a better one, PBB Islamic Mastercard gives 2% capped RM15 Grocery and Departmental Store
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Human Nature
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May 28 2025, 01:16 PM
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QUOTE(nexus2238 @ May 28 2025, 08:22 AM) The Affin DUO+ that you have basically give 3% cb for any contactless right? Or you can consider this for low min spend: Bank Islamic Visa Platinum - 3% cb capped at RM30 per calendar month for online, auto billings, grocery and dining, min spend RM500 per calendar month, Interesting, will check out the BIMB card
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Human Nature
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May 28 2025, 08:22 PM
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QUOTE(Ramjade @ May 28 2025, 08:14 PM) Interesting meh? Sounds like affin duo/duo+ wannabe/clone After checking the card, I find the cashback mechanism is vague. 3% Cash Back for monthly spend from RM500 to RM1,499.99
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Human Nature
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Sep 21 2025, 09:16 PM
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Interesting. Hard to see a card that offer both CB and reward points. Need to see if there is any min spending req for the contactless CB
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Human Nature
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Sep 22 2025, 12:27 PM
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QUOTE(Human Nature @ Sep 21 2025, 09:16 PM) Interesting. Hard to see a card that offer both CB and reward points. Need to see if there is any min spending req for the contactless CB Went to branch to inquire about this card. Still no details
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Human Nature
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Oct 1 2025, 12:21 PM
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QUOTE(strattos93 @ Oct 1 2025, 12:13 PM) I tried to apply online just now but not sure did I update my documents successfully. Maybank application system is really bad... I try to upload with phone, also cant Better fill up application form and email manually
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Human Nature
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Oct 3 2025, 04:16 PM
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QUOTE(cybpsych @ Oct 3 2025, 10:56 AM) the 2 eon cards already listed here https://map.muamalat.com.my/financing/public/?form=ccfeel free to apply there. i guess you still need to visit branch to do KYC and collect the card. i just submitted yesterday, no news yet, i wonder if they read/processing. funny status from MAP:  Do you manage to get more details on the wave cashback? I asked the branch but still lacking in details
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