Thank you for your reply, much appreciated for your ideas.

maybank 2card only rewards 1x tp for my type of transactions. I didn't mention that on the business side, I have a MAS Amex business plat and Alliance business plat as well but both has its pros and cons.

MAS airfare is on the rise and I would like not to be tied down to a single airline.
Alliance offers reasonable tiered CB but reckon could get a slightly better rate without the required tiers.

After much consideration and narrowing it down to the CB route for flexibility, these are the cards I would highly likely go for.

1. Amex cash back gold for 1% uncapped for majority of the transactions.
2. OCBC World for 0.6% uncapped as back up incase Amex can't go through.
3. Alliance VS 5% purely for petrol transactions but need to make sure not to exceed 3k range.
4. Maybank VS 5% for petrol after Alliance reached the tiered range and until 1.8k for maybank.
5. UOB One plat 5% for petrol spill over and groceries but only on the weekends.

1. Annual Income: RM60K.

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: Reload BigPay, and TnG eWallet.

4. Existing credit cards (if any): Maybank 2 Card Amex, Maybank MasterCard Ikhwan, Public Bank Quantum MasterCard.

5. Interested in CC from: None.

6. Others: None.
Thank you very much for your suggestion.

1. Annual Income: RM140k

2. Free Lifetime Annual Fee: Preferable or Waivable with conditions

3. Card required for: Eating out, Insurance instalment, utilities, petrol

4. Existing credit cards (if any): Maybank 2 Card Plat, Maybank Grab Card

5. Interested in CC from: None

6. Others: Racking up redeemable points and maximizing cashback.

Thank you very much for your suggestion.

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: Preferred / Waivable

3. Card required for: Pay utilities, medic insurance, groceries

4. Existing credit cards (if any): -

5. Interested in CC from: -

6. Others: getting cashback, build credit score

how many guest can bring with credit card which have lounge access?

1. Annual Income: RM72k + monthly performance bonus

2. Free Lifetime Annual Fee: Preferably

3. Card required for: 1st CC. Mainly to replace debit transactions. Currently use for everything. Fuel, online shopping, dining out, bills, installment (PTPTN, car, house) , & E wallet topup

4. Existing credit cards (if any): None

5. Interested in CC from: None. First CC

6. Others:

1. Annual Income: ~RM58K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Insurance, Telco, Online Shopping, Petrol, Food, Offline Shopping. - From highest priority (left) to lowest priority (right)

4. Existing credit cards (if any): PBB Quantum Cards (cash back T&C changing soon so it's not as good for me starting 1 OCT).

5. Interested in CC from: PBB, MBB, CIMB / any other bank if benefits are justifiable.

6. Others: Monthly fixed spending - ~RM300 - ~RM800, Prioritise cash back than any other benefits, reward points is a plus.

1. Annual Income: 150k

2. Free Lifetime Annual Fee: Free

3. Card required for: mainly cash back

4. Existing credit cards (if any): citi bank platinum, public bank quantum combo (looking to replace this card), SC platinum (i don't use this), and RHB cash back

5. Interested in CC from: any, looking to replace the public bank quantum cards

6. Other: if there's card that gives cash back on like shopee/lazada transactions and ewallet

Any good recommendation to replace Public Bank Quantum Visa and Visa Signature? I already have Affibank Duo and Visa Signature. Main usage is dining and wave.

1. Annual Income: RM130k

2. Free Lifetime Annual Fee: a must for this or at least can be waived

3. Card required for: cashback only

4. Existing credit cards (if any):2 cc only at the moment, PB Quantum Master (looking to replace this), Citi Clear (considering to replace this as well due to low usage)

5. Interested in CC from: Any

6. Others: Top up eWallet can be entitled for cashback is a plus

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.

Hello

I have both Maybank and HSBC platinum card.
But with the recent headache with HSBC fraud and unable to reach customer call center, am in process of canceling the HSBC.

Any recommended cards with good customer support?

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: a must for this or at least can be waived

3. Card required for: e-wallet topup, Insurance and sometimes grocery or restaurant

4. Existing credit cards (if any): Ambank cash back

5. Interested in CC from: Any

6. Others: Wish to maximize the cash back gains, top up eWallet can be entitled for cashback is a plus

Hi, I have MBB 2 Platinum and Affin Duo+.
I plan to terminate MBB 2 platinum and look for other easy to earn cb cc with widely accepted for EPP. Any recommendation?

1. Annual Income: RM70k

2. Free Lifetime Annual Fee: a must for this or at least can be waived

3. Card required for: Bills, petrol, e-wallet topup, EPP, Insurance

4. Existing credit cards (if any): none

5. Interested in CC from: Any

6. Others:  Wish to maximize the cash back gains, top up eWallet can be entitled for cashback is a plus

1. Annual Income: RM24 - 30k

2. Free Lifetime Annual Fee: a must for this or at least can be waived

3. Card required for: Bills, petrol, e-wallet topup, shopping

4. Existing credit cards (if any): BSN Classic

5. Interested in CC from: Maybank or Any

6. Others: want gain as much reward points as possible in exchange for Enrich Miles (Malaysia Airlines) if possible

Hi Sifus
I need some advice, need a new card to replace my HSBC Visa Signature due to getting 2 fradulent transactions in 3 months. The amount was small each time, but I have lost faith in HSBC CC although I still have a banking account with them

1. Annual Income: >RM100K

2. Free Lifetime Annual Fee: preferred or at least can be waived

3. Card required for: Bills, petrol, e-wallet topup, shopping, dining out, insurance payment, Netflix.

4. Existing credit cards (if any): Maybank 2 cards Amex(use where accepted) and Mastercard (Only for emergencies)

5. Interested in CC from: Any, but prefer international bank as I already have Maybank CC

6. Others: Would like to have complimentary airport lounge access, although I don't travel that much. Cash back or reward points would be nice.

Thanks in advance

Would appreciate suggestions and advices from you guys. Thank you!

1.  Annual Income: RM24K

2. Free Lifetime Annual Fee: Can at least be waived or low

3. Card required for: Groceries, dining, utilities, e wallet reload, online spend, petrol, insurance premium

4. Existing credit cards (if any): 0

5. Interested in CC from: HLB Wise, RHB Shell. But open to suggestions

6. Others: I want to use it as a primary payment source. I’m in charge of settling my household expenses so would like to take advantage of the cash back / rebate. Our monthly spending averages 2.5k

Hi Sifus, I need advice for miles or airport lounge access card, would appreciate advice given

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Easier waiver or Low annual fee.

3. Card required for: AirMiles, Free Lounge Access, oversea transaction rewards

4. Existing credit cards (if any): Affin Duo, Maybank Shopee, Maybank Grab, StanChart JOP, Citibank CashBack Platinium

5. Interested in CC from: Any

Thank you

Hi Sifus,

Need your help on proposing an additional CC

1. Annual Income: >RM100K

2. Free Lifetime Annual Fee: preferred or at least can be waived

3. Card required for: Bills, petrol, e-wallet topup, shopping, dining out, insurance payment,

4. Existing credit cards (if any): HSBC Visa Signature & Platinum , CIMB World Mastercard

5. Interested in CC from: Any

6. Others: Cash back or reward points would be nice.
Thanks in advance for your insights

Thanks for your suggestion! Just did little research and found that TBP can only redeem enrich point and airasia point. Better if can exchange KrisFlyer point

Still good to apply HSBC platinum CC?

See Guranteed 1k TNG wallet seem interesting.
from RinggitPlus

Mostly Online and ewallet user 

Hi Peeps, *edited*

It'll be helpful if can get recommendation for new CCs. (For 2 people).

1. Annual Income: 80k to 90k

2. Free Lifetime Annual Fee: Free is good but lower spending or number of transactions condition to waive is also fine.

3. Card required for:

- 1st: online shopping (mostly) so cashback preferably on this. additional travel perks/lounges would be a +++

- 2nd: travel, lifestyle + dining, airmiles etc.

4. Existing credit cards (if any): PBB Quantum, SC Smart, CIMB Cash Rebate.

5. Interested in CC from: Any

6. Others: Other add-ons are just a +

Thanks a lot!

1. Annual Income: 40-50k

2. Free Lifetime Annual Fee: A Must or waived

3. Card required for: mainly for Petrol and TnG topup, occasional online or retail fnb

4. Existing credit cards (if any): Nil.

5. Interested in CC from: Any

6. Others: preferably cashback. Also interested is sign up bonus. Looking at the current hsbc rm1k tng ewallet from ringgitplus

Hi all, does wedding banquet under restaurant bills falls under dining? If so, do recommend me best CC for cashback.

1. Annual Income: -

2. Free Lifetime Annual Fee: -

3. Card required for: Dinning

4. Existing credit cards (if any): Maybank Islamic MasterCard Ikhwan (For petrol)

5. Interested in CC from: -

6. Others: Wedding banquet estimated to cost around 30k+ , Im looking for 1 off best cashback CC to utilize this.

hi guys..
I'm currently looking for options because I possibly want to "migrate" from Citi PremierMiles..
there is a possibility that I will fly more business trips in 2023 and one of my concerns is the Travel Insurance privilege provided by credit cards..
I know that in the past Citi PremierMiles had a "built-in" Travel Insurance privilege, but I'm unsure what's the status now after UOB acquired them..
additionally, last time I read through the PDS of my HSBC Visa Signature, it also doesn't have any Travel Insurance privilege..

1. Annual Income: RM150,000+

2. Free Lifetime Annual Fee: Yes / xx swipes

3. Card required for: Mainly travel stuff (flights, hotels, etc)

4. Existing credit cards (if any): Citi PremierMiles, HSBC Visa Signature

5. Interested in CC from: open to options

6. Others: Not interested in frequent flyer programs from Malaysia carriers (e.g. MH, Airasia), more interested towards Point Rewards than Cashback (but Cashback's still good)

anyone knows why recently many banks are using mastercard for their credit card? Take for example Maybank2 Card used to be VISA but now is mastercard. Same goes to Citi and CIMB..visa no longer available but uses Mastercard.

Looking to apply for first CC, but more I look into it, the more confused on which benefits suits me. So here I'm asking for recommendation.

1. Annual Income: ~RM54k, unsure if got raise down the line

2. Free Lifetime Annual Fee: Yes or waivable

3. Card required for: Petrol, Utilities (Unifi, TNB, Air Selangor etc), FnB, Online (steam, shopee, lazada etc) and Offline (grocery, electronics, gadgets etc, either one shot payment or in short term installment) retail, House fees (maintenence fee, relevant taxes etc), e wallet reload (TnG RM100-200 only, depending on transit frequency). Total monthly expenses average around RM1.5k‐3.5k

4. Existing credit cards (if any): None

5. Interested in CC from: MBB (Salary crediting), CIMB, RHB, Hong Leong (got bad experience by family), probably HSBC, OCBC (using 360-i account due to closest branch being islamic banking, majorly used it to earn bonus interest) and Public Bank

6. Others: Focused on cashback cards atm, would be open to reward cards if benefits good enough. Will be using them for Samsung Pay and Google Wallet (I know, no benefits doing so but that's how I'll be using it)

Lastly, as I've moved to new area, will they asked about the different address compared to ic address?

1. Annual Income: RM 180-200k

2. Free Lifetime Annual Fee: Free only

3. Card required for: Petrol, Utilities (Unifi, TNB, Air Selangor etc), Online (steam, shopee, lazada etc), EPP

4. Existing credit cards (if any): Platinum visa Bank Islam

5. Interested in CC from: Preferably with international presence - CIMB, citi, etc

6. Others: cashback, rewards. currently trurewards by bank islam not interesting enough.

any compelling reason to upgrade to upper tier cards (VI, WM etc)? Just use the card for short term EPP 3-6 months.Considering to cancel my Bank Islam card

1. Annual Income:  RM60K to RM100K

2. Free Lifetime Annual Fee: Free

3. Card required for: Cash back for TNB, Unifi, Syabas, Shopee Topup

4. Existing credit cards (if any): PB Quantum Master

5. Interested in CC from: Was thinking Maybank Islamic Ikhwan Amex for the 8%, but I saw TNB is in exclusion list. Now thinking Public Islamic Visa Platinum for the 4%.

6. Others: Cash back

1. Annual Income: RM40k

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

3. Card required for: Mainly Petrol, eWallet, phone bills and insurance. I prefer Cash back, best if can cash back for eWallet transaction as well.

4. Existing credit cards (if any): None.

5. Interested in CC from: open to any beneficial cards that suits me now.

6. Others: I applied for Citibank cash back thru R+, MBB 2 cards thru banker, and Affin duo through their website last year. All documents were complete. No loan or whatsoever. All rejected.

1. Annual Income: RM200k+

2. Free Lifetime Annual Fee: Preferably free or waived after limited swipe

3. Card required for: all around online, dining, petrol and insurance etc

4. Existing credit cards (if any): none

5. Interested in CC from:

6. Others: Trying to move from debit to credit card. My monthly spending is not that crazy. Around RM2-3k on average. Mostly looking for best local spending cash back. Would be nice if there's some airport lounge access and golf benefit but not a deal breaker. Thanks for the help.

1. Annual Income: RM100k-RM120k

2. Free Lifetime Annual Fee: preferable.

3. Card required for: AirMiles

4. Existing credit cards (if any): HLB visa infinite

5. Interested in CC from:

6. Others: monthly spend is 2-3k, mainly on e wallet and online (shopee/lazada/foodpanda/grabfood)

Thanks

May I know which cc got highest cash back for e-Wallet.
Which cc got airport lounge without specific spending

Hello,

Appreciate if anyone can advice me which is best credit card for airmiles in both points earned and points redeemed?

Thank you.