You are wrong. Maybank is not lenient at all when it comes to AF waiver. That cancel trick doesn't work on Maybank. They will not entertain any waiver request.

1. Annual Income: 30-36k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Dining Experience

4. Existing credit cards (if any):
a) HSBC Amanah [Annual fee waiver]
b) UOB one card [3 years annual fee waiver]
c) OCBC Titanium [Zero annual fee]
d) Public Bank Gold [Annual fee waiver]

5. Interested in CC from : Any bank

Hmm. I'm just curious how can you hold more than 2 issuers' cards? 36k and below per annum can only hold 2 issuers' cards.

Anyway, back to your question. HLB MACH for 5% dining and AF can be easily waived with 12x swipes per year.

1. Annual Income: 30-35k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Emergency/backup purpose

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

5. Interested in CC from : Maybank/Hong Leong

Looking for a card for emergency purposes only. is Hong Leong bank's I'm Card a good choice ?

This post has been edited by Mr.7: Feb 5 2017, 12:56 PM

Annual Income: RM30K to RM36K

Free Lifetime Annual Fee: Prefer can be waived.

Card required for: Mainly refueling use only, very less groceries and purchases

Existing credit cards (if any): Never had CC

Interested in CC from: UOB. Other banks are welcomed as well to see if it fits my needs.

This post has been edited by raymondtong94: Feb 6 2017, 10:13 AM

i) CIMB Cash Rebate Mastercard
* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES)
* 2% CB for Petrol, Groceries
* 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month) NO CB on Flight Tickets Booking
* 0.2% CB on Other Retail Spend
With Total Maximum CB capped at RM50/month
https://forum.lowyat.net/topic/3988506
OR
ii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat.

This post has been edited by fly126: Feb 6 2017, 12:20 PM

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Digi/Celcom bill cash back, Dining and maybe GSC/TGV promo?

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

5. Interested in CC from: Nil.

6. Others: Recently employed fresh grad, wanted to build up my credit score for house loan.

Pls Refer to the post above for your CC Recommendation...
CIMB CR MasterCard (Billing, Online, Groceries, Petrol)
MBB Ikhwan MasterCard (Petrol, Groceries)
HLB Mach ( Dining, Movie) https://forum.lowyat.net/topic/2421215

This post has been edited by fly126: Feb 6 2017, 12:37 PM

1. Annual Income: RM125K

2. Free Lifetime Annual Fee: A Must

3. Card required for: shopping, Cash back

4. Existing credit cards (if any):
CIMB CB/VS/WMC
RHB WMC
PB VS
MBB 2 cards
HSBC visa platinum

5. Interested in CC from: MACH by HLBB

looking for card with CB that are not cover by PBB VS n CIMB CB

can also consider all purpose HLB Fortune.

Is MBB Ikhwan Petronas Visa a better choice for petrol rebate?

I am looking at Ikhwan Petronas Visa for Petrol rebate

and Mach HLB for dining and movie tickets.

If Non muslim can apply for ikhwan petronas islamic?

can la, anyone can apply ikhwan petronas visa. i got both ikhwan cards.

depends on whether u have petrol brand allegiance or not. if u dont mind using Petronas, then ikhwan visa petronas of course better choice in terms of rebate %.

Hi all,

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must / Free for life with minimum swipe condition is also acceptable.

3. Card required for: Cash Back/Rebate, AirMiles, Free airport Lounge Access (if possible)

4. Existing credit cards (if any): UOB One card and Maybank Ikhwan Gold card

5. Interested in CC from: Public bank ONLY

6. Others: - Please recommend the credit card as of current date because I am going to apply it in these few days.

Thank you very much to all sifus

Hello guys.
Can share which CC has lowest income requirement that give excess to airport PPL? prefer from maybank, as can get within hour in certain branch.
Apart from maybank, in consideration for aeon big gold too.

AEON Gold or AEON BiG, only requires 36k per annum.

none from Public Bank that meets your requirement.

no card meet your requirement

but, u can try to pledge fd to appy public bank signature cc.

Thanks sis. That was my plan B, from maybank is there any suitable CC?

Maybank KrisFlyer AmEx: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
48k per annum but with AF.

1. Annual Income: 90-95k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Online cash rebate ( payment for mobile, utilities )

4. Existing credit cards (if any):
a) Maybank 2 Cards
b) Maybank Ikhwan Mastercard
c) Maybank VS
d) Aeon Big Visa
e) OCBC Great Eastern Mastercard
f) Ambank WMC

5. Interested in CC from : Looking at UOB YOLO & Onecard, CIMB cash rebate mastercard. Yolo looks good but Im worried I might not be able to hit the RM800 requirement monthly. HLB Wise doesn't suit my spending pattern. Basically looking for a cash rebate card to cover my online shopping, mobile & some bill utilities.