Hi guys, I'm looking for a new credit card(s) that will hopefully maximise the cash back feature for my expenses. Currently, my monthly expenditure is roughy RM2k, but I'm only getting around RM40 worth of cash back per month.

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Good to have, but not necessary. Main concern is the annual fees doesn't eat up into my monthly cash back amount.

3. Card required for: Here's the breakdown of my recurring monthly expenditures:
- Grab: approx. RM 100-200
- Dining (excl. Grab): approx. RM 500
- Petrol: approx. RM 380
- e-Commerce (e.g. Shopee/Lazada/Zalora/etc.): approx. RM 100 - 300 (there will be months with no spending in this category)
- Medication: approx. RM 450 every 6 months
- Subscriptions: Netflix, iCloud storage, VPN (approx. RM70)

4. Existing credit cards (if any): Maybank 2 Gold Cards, Maybank Grab Mastercard, Citi Cash Back Card.

5. Interested in CC from: None.

6. Others: Priority is on cash back, unless the reward points conversion rate is good.

Any input would be much appreciated. Thanks!

1. Annual Income: RM 102k

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: Grab & TNG, BT 0%, Installment Plan 0%, Cashbacks, Virtual Card that can use for Overseas Transactions

4. Existing credit cards (if any):
HSBC Amanah MPower Visa Platinum
CIMB Cash Rebate MC Platinum
MBB AMEX Platinum, FCB VS, Ikhwan Islamic MC Gold
SC JOP
AFFIN DUO VISA
PBB QUANTUM DUO MC & VP
HLB Wise (Unactivated)
UOB ONE & YOLO (Unactivated)

5. Interested in CC from: Please recommend

Sorry for offtopic a bit. What is the best way to pay for TNB security deposit of 1.5k for maximum cashback?

3. Card required for: due to business purchase, I will be spending ~18k per month/ 216k per year. So seeking to max

1. Annual Income: RM60-70K

2. Free Lifetime Annual Fee: Upon hitting minimum spend/swipe

3. Card required for: Airmiles only

4. Existing credit cards (if any): Some random useless cards

5. Interested in CC from: Alliance Bank - Visa Infinite (application failed)

6. Others: What are the next best thing for airmiles? I have applied for Visa Infinite but it was rejected due to CCRIS having a "1" in one of my least used card which I paid late by a few days Other than that all is "0". I think alliance bank will just reject me again if I were to try for Visa platinum the lower tier card. They suggested me to re apply after 6 months. Is that true?

Will I have another go by trying to apply with Ringgitplus for second attempt? Have any sifus here with similar past experience? Thank you!

Thanks for the motivation Long way there at least few years down the road.

Here's why VI not so attractive to me:

RM80K per annum spendings with RM100k income for waiver.
Earn up to 2 TreatsPoints for every RM1 spent locally.
Earn 5 TreatsPoints for every RM1 spent overseas.

But what I see is:
Education Institutions 1x Point
Insurance Providers 1x Point
Utilities 1x Point
Petrol 1x Point
0% EzyPay 1x Point
E-Wallet Reloads (effective 8 July 2019) NO Treatspoints / Membership Rewards / AirMiles / Cash Back

Terribly points system

Even with 5 TP per RM1 spent overseas, that will mean it's only RM1 = 1 enrich miles''

With TBP it does not lapse, and 8x multiplier and 6000TBP=1000 enrich miles, that will mean RM0.75 = 1 enrich mile.

Correct me if I'm wrong.

Too bad as of 14th March 2022 TBP had added this clause:
Any spend amount above RM3,000 on each statement cycle for eWallet top-up, you will earn 1X TBP for every RM1 transaction.

Any other airmiles alternative?

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Not necessary, best if free with X number of swipes

3. Card required for: Petrol, Cash Back/Rebate, Overseas Transactions, Free LCCT Lounge Access

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

5. Interested in CC from: Maybank, other banks are fine too

6. Others: Likes cashback, not interested in points

Which credit cards are still good to get cash back or rewards for government related transactions?

Hi, I’m looking for a credit card for overseas spending primarily for reward points. My annual salary is approx RM150k. Currently I have Maybank 2 cards, PBB VS and quantum, Affin Duo and HSBC VS.

Appreciate some advice on the best card for the purpose. Thanks.

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

Ringgitplus signup offers can stack with the credit card company's own sign-up offers?

1. Annual Income: RM250k+

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

3. Card required for: Standby for emergency and possibly for interest-free installment plans. Been using cash & debit card all these years. Planning to convert my spending to CC and enjoy points, cashback etc

4. Existing credit cards (if any): None

5. Interested in CC from: Anything as long as Islamic

6. Others: Require a supplementary card for my spouse

Thank you for the reply.

I think I’ll go with Maybank since I have an active SA with them. Hopefully will have some added advantage in the application process. Noted on your suggestion not to apply via M2U.

Roughly I think my CC would be between 3-5k monthly. Would the Ikhwan Islamic Visa Infinite be a better option as compared to those 2 cards that you mentioned?

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Preferable, but those with how many times swipe and free is also ok.

3. Card required for: Airport Lounge Access, Overseas Transactions, Prefer Cashback but not priority

4. Existing credit cards (if any):
PB Quantum Cards
HSBC Visa Amanah Card
Affin Duo

5. Interested in CC from: Any but preferable not from the banks above

6. Others: Going overseas for a year after this, so if there is such thing as card with good conversion rate, would be better

1. Annual Income: RM90k

2. Free Lifetime Annual Fee: Preferable

3. Card required for: Maybank visa signature basically covers all my grocery shopping & petrol. Gonna cancel Citibank soon, gives crappy cashback. Need another cashback credit card for extra grocery shopping, utility (about 4k a month for business) and eWallet spending

4. Existing credit cards (if any):
Maybank Visa Signature
Citibank Platinum Cashback

5. Interested in CC from: Any

1. Annual Income: RM90k

2. Free Lifetime Annual Fee: Preferable

3. Card required for: Maybank visa signature basically covers all my grocery shopping & petrol. Gonna cancel Citibank soon, gives crappy cashback. Need another cashback credit card for extra grocery shopping, utility (about 4k a month for business) and eWallet spending

4. Existing credit cards (if any):
Maybank Visa Signature
Citibank Platinum Cashback

5. Interested in CC from: Any

1. Annual Income: >RM100k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Specifically to collect Maybank Treatpoints

4. Existing credit cards (if any): MBB Amex (limit to RM1k swipe and RM50 cashback)

5. Interested in CC from: MBB
(i) PETRONAS Maybank Visa Platinum
(ii) Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-i
(iii) any other MBB CC with Treatpoints ?

6. Others:  I am going to swipe one lump sum 5 digits over the counter physically and not online. I don't want cashback as it is limited to RM50 and limited to certain like petrol/groceries/dining.

7. I have been studying the Petronas CC above and some says will still get RM1 = 1 TreatPoint for transactions not relate to petrol/grocery/weekend/dining. Is this true ?

Thanks

Thanks for this idea.

What if the place does not accept AMEX ?

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: Yes

3. Card required for:
- Auto debit insurance, SSPN-i Plus
- unifi, postpaid and prepaid bill
- E-wallet top-up for Grab, Shopee and Lazada
- Dining

4. Existing credit cards (if any): Maybank Islamic Mastercard Ikhwan Gold Card

5. Interested in CC from: N/A

1. Annual Income: >100k

2. Free Lifetime Annual Fee: Any

3. Card required for:  buying games, online shopping, dining, petrol, ewallet reloads, basically I use my CC for everything currently as long as it accepts it.
4. Existing credit cards (if any):
Cimb platinum card
Cimb Cashback card

5. Interested in CC from: Any
In short, these cards were given to me by cimb when I started working for sometime and I've used them even since, I don't really use the points from cimb since it's always a mystery how to use them so looking at other ways that perhaps I can accumulate more points or getting more rebates.

Cimb has a cap of rm50 cashback only

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: Preferably, but amount number of swipes also ok

3. Card required for:
1. free airport lounge,
2. overseas transaction offers (some have 2-3% rebate?),
3. if got cashback for normal online/swipe transactions even better but no priority, the above 2 more priority

4. Existing credit cards (if any):
a) SCB Platinum
b) Citibank Cashback

5. Interested in CC from: preferably not from two banks above

6. Others: