1. Annual Income: RM96k

2. Free Lifetime Annual Fee: Preferred or somewhat cashback can cover it

3. Card required for: Cashback. Mainly for petrol, utilities and insurance. Sometimes for groceries, dining, online shopping, etc.

4. Existing credit cards (if any): NIL

5. Interested in CC from: Any

6.Others: Just came back to Malaysia and worked for ~6 months.
              Applied for CIMB cash rebate but got rejected.
              Currently waiting for decision for Maybank Barcelona but it is already 1 month so am looking for another card in case rejected again.

I am also thinking about HLB wise card, as I have financial records in HLB, which probably make it easier to get my first cc in Malaysia.
What do you think about this card?

Or, should I just apply a basic card without annual fee or essential card with conditional waive to secure a cc to build credit record first?

Btw, does the retails transaction in HLB includes patrol, utilities, internet, etc?
The definition of retail transaction in their website is so vague or the above mentioned are not listed in either include or exclude...

Currently using MBB 2 cards with 5% cashback in weekend spending only. Can recommend other CC with better cashback?

hello,
would like to ask if anyone is using Citi Simplicity Mastercard? or, would you recommend this card?

the replies from you guys here are really helpful - after reading them, i know which card is suitable for me and went ahead to apply them

so, thank you!

this citybank simplisity however only gets mentioned 3 times in this thread, i wonder why, the 10% cb looks ok, did i miss something in the t&c?

is there any tread for affin credit card lol ?

Any Credit card that could replace MBB Barcelona since that have change the CB ?

I am looking for a pin credit card that could apply to all daliy life from booking agoda to dining to petrol everything mix and match

MBB Barcelona could pay for anything except for goverment bodies and get 2%CB

[attachmentid=10568318]

Saw this yesterday, main plan is can it be applied without the Mastercard.  Always prefer cashback over points
6. What are the eWallets that eligible for cash back?
3% cash back will be rewarded on eWallets transaction/reload for the following eWallets:
• BigPay • KiplePay / KiplePark • ShopeePay
• Boost • Lazada Wallet • TaPay
• Fasspay • Mcash • Touch ‘n Go Prepaid Card
• Gkash eWallet • Mpay • Touch ‘n Go eWallet
• GrabPay • Presto Pay • WeChat Pay
• Instapay eWallet • Razer Gold/Pay • Whalet
• Instapay Card • Sarawak Pay

and why la no Setel?

I've been using it since last year, but nationwide available this year right? But looking at the current direction it seems like they are going towards allowing customer to pay kedai mesra purchase using the app soon. Just not sure how soon

new pilot run >> Deliver2Me

https://play.google.com/store/apps/details?...el.mobile&hl=en

Always in a hurry? Introducing Deliver2Me.

You can now purchase items on-the-go frm Kedai Mesra, in the comfort of your vehicle.

Just place your order and we’ll deliver it to your vehicle while you refuel.

Piloting at 6 PETRONAS stations as follow: Taman Tun Dr. Ismail, Sungai Buloh Layby, Mutiara Damansara, USJ 20, Bukit Antarabangsa & Jalan Kolam Ayer Lama

Relaunch of PB Quantum Visa Credit Card [ PBB | PDS ]

What’s the benefit of the public Quantum 2? Cashback? Rebate?

1. Annual Income: ~100k

2. Free Lifetime Annual Fee: Preferable

3. Card required for: cashback mainly bigpay. Secondary fuel and groceries

4. Existing credit cards (if any): SC JOP, AMBank Wise. Pb Visa Sig, Both Quantum cards.

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: Not necessary

3. Card required for: Utilities, Telco Bill, E-Wallet, Dining, Misc

4. Existing credit cards (if any): Maybank AMEX, Maybank Barcelona, PBB Quantum, PBB Visa Signature

5. Interested in CC from: Any

6. Others: Looking for current best cash back credit card including general miscellaneous usage as well
Am looking at Affinbank Visa Signature as it gives 3% for paywave transactions. Any other recommendations?

Eh I am also interested in this Affinbank Signature. Any hidden TNC or just paywave at any amount then I'll get the rebate?

Ehhh pb Quantum visa if enter PIN also eligible for cash back?? I didn't know that!

Hi Sifu,

I have been reading this thread looking for CC that suits me most. I am looking for CC which provide me cashback for ewallet top up and online transaction mostly.

I think for this purpose alone, AFFIN duo CC seems to be the better option with 3% CB and capped at RM80. However, the drawback is that there is no CB for transaction in physical store.

PBB quantum seems like the one which will cover for both online (VISA) and physical retail transaction (Master), but it capped at RM30 per month.

These 2 seems to be the best so far for CB purposes (with no annual fees), am I right?
Thanks in advance.

So can I straightaway pledge FD to reapply/appeal after rejected or there is a cooling period of 3/6 months?
Or better to just pledge FD at first place?

1. Annual Income: RM48 K

2. Free Lifetime Annual Fee: Preferrable

3. Card required for: Mostly for overseas online service subscription renewal (YouTube Premium, Netflix, etc). Having problem with my debit card auto refunding.

4. Existing credit cards (if any): None

5. Interested in CC from: None. I'm not familiar with credit card world

6. Others: My existing debit card is enough for me to go on my daily lives (groceries, fuel, etc) but if there's any credit card that provides interesting cashback rewards would love to hear from that as well.

Looking for a Credit Card that will give me cashback for Insurance+Autobill for Time Broadband, Mobile Plan Autobill and Utilities (autobill or otherwise)
Total monthly spending for the above category: RM600-RM800

Currently using SCB Just One Plat for autobill but I can't hit the RM2500 spending cap for the maximum returns anymore, just wondering if there's another card (preferably free) that can give me more in terms of cashback.
Other cards I have include MBB 2 Amex, PBB Quantum Master and PBB Visa Signature

Any recommendation for groceries, petrol, bill payments? cashback or points//

using Citibank cashback...

Currently feel UOB One card has nice benefits but unsure whether the annual fee can be waived or not..

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A Must/waivable

3. Card required for: petrol, groceries, bill payments, e-wallet topups - preferable cashbacks - 2 -3k expenses

4. Existing credit cards (if any): Citibank Cashback

5. Interested in CC from: UOB One card

6. Others: Is there any card better than my Citibank or UOB One card..

any recommendation for someone who only use credit card for emergency purpose and 0% installements for big ticket items?

I dont really believe in cashbacks and travel points at the expense of spending more.

Just need cc to manage my cashflow when purchasing big ticket items or buying emergency things.

1. Annual Income: 48K

2. Free Lifetime Annual Fee: Yes compulsory waiver

3. Card required for: Cashback (petrol, dining, groceries, online Shopee and TNG top up),utilities. Especially TNG and Shopee top up because I feel that my current cards don’t give anything for those.

4. Existing credit cards (if any): Citibank Cash Back, Maybank 2 Gold, Maybank Barcelona

5. Interested in CC from: I am looking to cancel one or 2 of my cards to apply for the PB Quantum Visa and Mastercard. Especially since the Maybank Barcelona has been nerfed, right after I got it ☹ Is it compulsory to take both PB Quantum Visa and Mastercard like the Maybank 2 Gold? Or can I get either one or the other?

6. Others:

I'm open to all suggestions!
1) Please help to advise what is the best balance to max out credit cards cashback with my current situation.
2) Want to clarify, for PB quantum Mastercard, it says 5% for all online shopping. Does TNG ewallet and Lazada ewallet count? From what I read here, besides gov or auto debit, what are the restrictions?
3) What is the definition of auto debit? I saw someone mentioned that Netflix isn’t included. So anything that is charged monthly automatically isn’t included? As long as I manually pay every month, should be okay right?
4) I saw someone recommending to use the Maybank Amex for Unifi bill. I thought I read somewhere that Maybank has excluded all utilities from cashback for their credit cards? Are Unifi and Maxis broadband eligible for Maybank Amex Cashback?

Thank you in advance!