Hi All,

I got CCs from 3 banks

1. PB Quantum Master - retail installments & online
2. Maybank 2 Cards - balance trf & bills on weekends
3. Aeon Big Gold Card - for groceries and sometimes online shopping

I would like to cut on CC usage so I'm deciding which to cancel and which to keep. Any advice?

Oh forgot to add, using Aeon Big for plaza premium lounge aso 

1. Annual Income: RM50K

2. Free Lifetime Annual Fee: Yes or can be waived easily.

3. Card required for:

a) Dining, Petrol, Telco & Utility Bill Payments, Groceries, Cinema (Currently I am using CIMB Cash Rebate Platinum Credit Card for these, do let me know if there are alternatives out there with higher cashback.)
b) Insurance Payment
c) Retail & Online Shopping
d) Travel Related Flight Ticket & Hotel Booking etc

4. Existing credit cards (if any): CIMB Cash Rebate Platinum Credit Card (Mainly for 12% on weekend dining and 2% on petrol, telco & utility bill payment, groceries, cinema. I did not manage to get 5% cashback because I could barely hit monthly spending RM3000 & above.)

5. Interested in CC from: Any

6. Others: I am looking for no minimum spend or RM500~RM1000 low minimum spend cash back credit cards. I don't like the hassle to accumulate reward points or miles while keep tracking their expiry date and being forced to redeem rewards which I don't really need it.

Kindly please recommend a few credit cards which suit my requirement as above. Thanks in advance.

Which one is the best cashback petrol card?
No annual fee, no minimum spending (only pump rm150 per month)
Currently holding PBB quantum visa & master only

if no brand preference:

affin-bhp, 10% for weekend at BHP. promo end 30 November 2019.
mbb ikhwan visa petronas, 8% for weekend at Petronas.

others can be 5% from m2c amex at weekend or 5% mbb ikhwan mastercard on fri/sat.

Can recommend Best cashback for petrol and utilities bill? I pump bhp

      that's a lot of abbreviations there! 

Just in case he doesn't get it,

M2C (Maybank Card 2), FCB (Maybank FC Barcelona), PBVS (Public Bank Visa Signature), QMC (Public bank Quantum Mastercard), QV (Public Bank Quantum Visa), JOP (Standard Chartered Just One Platinum), LFC (Standard Chartered Liverpool Cashback), YOLO (UOB YOLO card), Citi CBPV (Citibank Cashback Platinum), RHBVS (RHB Visa Signature), Younique (Alliance) , AmB True (Ambank TRUE card), Aeon Big Gold, HSBCVS, OCBC Titanium, etc.

because last time visa only cashback for entertainment and department store which i didn't use it at all thats why i cancel it

yes. before that, was thinking is there any better card to apply like UOB one card, yolo or cimb cash back.

Time to move on to a new thread. I'm in favor of a new TS to open the new thread version. Prospective TS please PM me and myself giving the green light for a new version.

Please do not start a new version nor attempt to circumnavigate by creating a similar topic without my go ahead - it will be removed & stopped without prejudice.

anyone wanted to open OCBC credit card thread?

btw, made a few credit card application. on eccris, it shows 'pending' status but already have credit limit. does it mean it will be approved soon? hmmmm

Hi, just wondering if it is normal that credit cards have a 20-day interest free period?

Good deal. But already have ikhwan gold... Not sure if can apply this too.
Thanks btw 😊

any good card to top up SETEL?

bigpay got cb ?

oo.. jz for the sake of earning bigpoints.. better than nothing..

Does MBB TreatPoints have any expiry date?

Hi laymark
Not question owner but had the same answer given

For standing instruction using quantum master cards, are we eligible for the cashback?

Hi Charles

As I'm not a PR, min yearly income needed to get CC for foreigner is SGD40k and my salary is way lower
Plus Singapore CC only have 2 years annual fee waived...
Another point is we usually go to JB or hometown to do shopping
So im thinking to get malaysia CC instead, Seek your recommendation

does this applies to all bank? I manage to get Maybank Barc with salary around thr last year. Now trying to get Citi Reward, which 7 days passed but still "submitted" status.

There is an important question missing from the template of questions.

The missing question goes something like this: How much do you expect to spend monthly?

There are many "benefits" which will only apply above a certain spending amount per month.