1. Annual Income: RM92k

2. Free Lifetime Annual Fee: Free or waivable through minimum swipe requirement (Every month confirm will swipe once)

3. Card required for: Cashback based on Restaurants, Shopee, TnG and Samsung Pay E-wallets, my home internet/mobile data/TNB bills all will be paid via TnG (I don't use the card for Petrol or Groceries)

4. Existing credit cards (if any): UOB Yolo Visa (Thinking of changing it due to recently changed to Samsung phone and Samsung Pay doesn't support UOB bank card.)

5. Interested in CC from: Any card will do. (Except UOB Bank cards)

6. Others: Salary bank is CIMB bank. I don't always spend over Rm2k per month, occasionally only over Rm2k.

1. Annual Income: RM92k

2. Free Lifetime Annual Fee:  Preferable free or waivable. Or not too expensive per year (<200)

3. Card required for: Cashback (Groceries/Retails, Petrol, Utilities, E-wallet, online shopping and dining) (CC that commonly support 36 months installment is preferred), Insurances, Airmiles (If got lounge benefits better).

4. Existing credit cards (if any): Been long time Maybank 2 Gold cards user. Plan to change for better reward.

5. Interested in CC from: Maybank is preferred due to existing TREATS points accumulated, or any card that support apple pay also will do (lazy to bring out card from wallet) [i.e Ambank / HSBC / Maybank / Standard Chartered].

6. Others: Looking to get better cashback epecially together with ewallet usage (TnG, Boost, Grab Pay).

Thank you in advance for your recommendation.

Thanks for the recommendations, I'm curious about the "Samsung Pay, ada limitation" part, does that mean some of the portals doesn't really accept Samsung pay? or some of the Cashbacks may not be applicable if I pay via Samsung pay?

Fresh grad here.
Annual income: 42000

Is getting credit card recommended for a fresh grad like me?
Heard a lot of nasty stories regarding CC.
My friends all encourage me to get one.

1. Annual Income: RM120k

2. Free Lifetime Annual Fee: Either free or waived thru minimum swipe

3. Card required for: Cashback (Utility bill such as Unifi/TNB, dining, online shopping, petrol )

4. Existing credit cards (if any): Maybank 2 Card, Citibank, PB Visa Signature.

5. Interested in CC from: As long as fulfill above requirement

6. Others: Just knew that PB Visa Signature revised the cash back, trying to replace it

1. Annual Income: > RM300K

2. Free Lifetime Annual Fee: good if can get waiver by spending certain amount

3. Card required for: Expense incur for (Business) Overseas Travel, eg flight ticket, hotel, transport, dining, shopping etc

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

5. Interested in CC from: Any bank will do.

6. Others: 

Company want me to start business travel. Mainly Asia Pacific regions. Quite frequent, expect 2 - 3 times a month.
Look for card that useful for - eg reward points from oversea spend, air miles, airport lounge access, etc.

Thank you.

Im looking for a credit card that can give me higher credit limit by 3-8x of my monthly income.

I cant decide between Ambank Infinite and Hong Leong Infinite, which one should I pick?

Or is there other credit card you guys can recommend?

Annual Income: 150k-200k
Current: Maybank Platinum Visa and Amex
Prefer annual fee waived forever

Maybank refused to increase my credit limit so Im searching for elsewhere

1. Annual Income: RM150K

2. Free Lifetime Annual Fee: Must

3. Card required for: Cash Back/Rebate for Others Spend

4. Existing credit cards (if any): MBB FC Barcelona, MBB 2 Amex, PBB VS, Citi Cashback, HSBC Visa Signature

5. Interested in CC from: ?

6. Others: Wish to cancel some existing cards, reduce the number, less headache. Understand there is no 1 card for all, many premier cards are collect points.
Cancelled MBB VS, Amex, CIMB VI / Cash Rebate / Petronas , SCB WorldMiles, RHB VS, HSBC Amanah, HLB Essential..........
Many banks keep changing the rules........ just to save RM50, assume 1% rebate from RM5,000 expenses.
Some need to hit RM2,500 or RM4,000 only eligible to get the high cash back.
While some need to hit example RM60,000 or RM80,000 annual in order to waive Annual Fees.

1. Annual Income:~RM60K

2. Free Lifetime Annual Fee: Must

3. Card required for: List all your needs. Petrol, Cash Back/Rebate, Retail/Dining - Been regularly using Mbb debit cards for 80% of my spending transactions for past 5/6 years

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

5. Interested in CC from: Any

1. Annual Income: 100k and above

2. Free Lifetime Annual Fee: Waive

3. Card required for: Collect point for airlines

4. Existing credit cards (if any): Affin Invikta & Cimb Cash Rebate

5. Interested in CC from: Currently look for HSBC Visa Signature Credit Card (x8 & x5 points)

Any other card is good for collecting airline miles? E.g HSBC 21k points for 1,000 enrich point

Just wonder, is e-wallet topup referring to T&G? for alliance visa platinum?

1 month maximum top up rm3,000 x 8 points = 24,000 points (more then RM3,000 will be 1 point). Further to that, Allianz reward 10,000 points for 1,000 enrich point. Seem too good to be truth?

1. Annual Income: RM62k last year

2. Free Lifetime Annual Fee: A Must

3. Card required for:
    * Petrol (usually Petronas because of Samsung Pay),
    * overseas transactions,
    * ewallet,
    * cashback,
    * online shopping (lazada mostly),
    * physical stores shopping (mostly groceries)
    * bills

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

5. Interested in CC from:  None

6. Others: I have never owned a CC, so I have no experience. I am thinking to have one to build my credit score for future benefits, plus I spend a lot using my debit. Probably a good thing to get benefits from CC instead.
Islamic card is a must. I only use Maybank for past 5-6 years if that matters.

Thank you.

1. Annual Income:~RM39K

2. Free Lifetime Annual Fee: Preferred or at least waivable

3. Card required for: Best cashback for Retail and Online spending

4. Existing credit cards (if any): OCBC Titanium

5. Interested in CC from: Maybank, Public Bank, UOB

Hi everyone, asking for a friend.

1. Annual Income: RM5K+

2. Free Lifetime Annual Fee: Not sure.

3. Card required for: Petrol (travel 30km to work daily), Grab food, groceries and dining, medical insurance. Hardly online shopping.

4. Existing credit cards (if any): HLB 0.4% cashback for the first RM7K, not sure which card.

5. Interested in CC from: Anything.

Hope to hear anyone's feedback, thank you!

1. Annual Income: ~RM40k

2. Free Lifetime Annual Fee: Yes, or preferably waivable (with or without conditions)

3. Card required for: fuel and dining

4. Existing credit cards (if any): Mbb shopee

5. Interested in CC from: cashback

6. Others: N/A

Dear Sir, Madam... able to assist with recommending a few cards pls? Thanks in advance!

1. Annual Income: ~120k

2. Free Lifetime Annual Fee: Yes (or waive condition)

3. Card required for: Listed by priority - Cashback, Plaza premium lounge at KLIA2 (some card only allow KLIA1), Insurance, Online shopping or topup ewallet

4. Existing credit cards (if any): Maybank Grab, Aeon big visa, SCB simply cash, Ambank Visa Signature, CIMB Visa infinite

5. Interested in CC from: Not sure. shopping around... looking for those good benefits and free gift

6. Others: I dont use petrol... dont mind applying different cards as long the benefits cover the annual charges or whatsoever

1. Annual Income:~RM84k

2. Free Lifetime Annual Fee: Preferred or at least waivable

3. Card required for: Best cashback for Online spending

4. Existing credit cards (if any): hsbc platinum, citi cashback

5. Interested in CC from: im fine with any

hi thanks for recommendation...
but r u able to highlight to me why the maybank 2 plat cards is suited for me... few ppl recommend to me maybank 2 cards but when referring to their website, i dont see theres anything for me except for points and weekend cashback? 

1. Annual Income: 90K

2. Free Lifetime Annual Fee: A must

3. Card required for: Cashback, online (Steam, Shopee etc), e-wallet, auto-billing / utilities, groceries, dining.

4. Existing credit cards (if any): Maybank Petronas Ikhwan Visa Platinum (mainly for petrol).

5. Interested in CC from: Maybank, but don't mind others.

6. Others: Prioritize Mastercard.

Annual income rm200k and above. Looking for the best card with lots of benefits.

Hi all, would like to request recommendations with the below info.

1. Annual Income: RM48K

2. Free Lifetime Annual Fee: A Must or with waive methods

3. Card required for: AirMiles, Free LCCT Lounge Access

4. Existing credit cards (if any): MBB Shopee

5. Interested in CC from: Any

6. Others: Am looking for CC that can give more benefits on Lounge Access, usually fly with SG Air/ Emirates.

For the 12x swipes a year is required retail shop physically or online transactions also counted?

Thank you.

1. Annual Income: 90k

2. Free Lifetime Annual Fee: Best to have or with swipe

3. Card required for: Airmiles / cashback / lounge

4. Existing credit cards (if any): None

5. Interested in CC from: Any

6. Others: Mainly expenses on bill (Maxis / TNB) , Tng Reload, Dining/ Petrol

1. Annual Income: 80k

2. Free Lifetime Annual Fee: Best to have or with swipe

3. Card required for: particularly for BT, Cashbacks, Online purchase,Lazada Shopee , TNG

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

5. Interested in CC from: Any

6. Others: Looking mostly for BT and 2nd card with benefits as backup for my 1st card, since 1st card got few EPPs

1. Annual Income: RM72k

2. Free Lifetime Annual Fee: Ideally free or waivable

3. Card required for: Miscellaneous
- Weekdays spend (groceries, petrol)
- E wallet ( TnG)~ 1k/month
- Online transaction ( shopee/ postpaid bills)

4. Existing credit cards (if any): M2C plat, OCBC GE platinum, OCBC Titanium. PB Visa/MC Quantum

5. Interested in CC from: Any

6. Others: Cancelling PB card and need replacement  for it
Spend around 1.5k to 2k.
M2C amex cover my weekend spending.