Hi everyone, this would be my first credit card and looking forward to your suggestion.

1. Annual Income: RM35k

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, CB, Installment and some occasional online purchases.

4. Existing credit cards (if any): None

5. Interested in CC from: Any (Currently looking at MBB 2 Card and Ikhwan)

Thank you in advance for the suggestion!

Maybank Visa Signature
5% Cashback for all petrol & grocery (domestic only) for all days capped at RM88 per month.

PBB Visa Signature
6% Cash Back on Grocery, Dining and Online Transaction, 6% Cash Rebate is capped at RM38 per month per principal account equivalent to RM633.33 spend
OR,
PBB Quantum 2Cards (Free for Life)
Quantum MC -   5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

AmBank VISA Infinite Card /AmBank World MasterCard
• 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia.
• All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in.
• Free-For-Life, NO conditions attached
• Unlimited lounge access on condition* - with Min spend* of RM500 within 30 days before and/or 30 days after each lounge access https://www.ambank.com.my/ambank/Documents/...umLoungeTnC.pdf
• Complimentary Hilton Premium Club Membership Card
(Note: Membership is automatically renewed annually with just a min retail usage of RM30,000)
• Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles)
https://www.ambank.com.my/ambank/Documents/...stofAirport.pdf

https://www.ambank.com.my/eng/cards/visainfinite

I) Maybank 2 Cards
* 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card.
* 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month.
Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back

II) Maybank Ikhwan MasterCard - 5% Cash Back for Petrol & Groceries Spend, Every Fri, Sat . Max CB Capped at $50/month.

This post has been edited by fly126: Jan 2 2018, 01:22 AM

Hi everyone, look forward to all your suggestions.

1. Annual Income:
-RM36K

2. Free Lifetime Annual Fee:
-Yes (If waived the fees after minimum certain swipes in one year, this one also acceptable)

3. Card required for:
-Dining/Online/Groceries

4. Existing credit cards (if any):
-PBB Quantum Visa/MasterCard

5. Interested in CC from:
-Any Bank.

6. Others: Please be specific. Example:
-I am looking for another CC for dining/online/groceries categories, since my Quantum MasterCard already capped maximum RM30 every month for dining & online categories. So, requires another CC for cash rebate.

Maybank 2Cards
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
OR
HLB Mach
https://www.machbyhongleongbank.com/credit-card

Hi, i am looking for my first cc:

1. Annual Income: RM66k

2. Free Lifetime Annual Fee: Yes or with condition 12 swipes

3. Card required for: Petrol, Utility bill, CB

4. Existing credit cards (if any): Nil

5. Interested in CC from: UOB One Card

Any suggestions are much appreciated.

[Quote=Nick-87,Jan 2 2018, 12:57 AM]
Hi, i am looking for my first cc:
1. Annual Income: RM66k

2. Free Lifetime Annual Fee: Yes or with condition 12 swipes

3. Card required for: Petrol, Utility bill, CB

4. Existing credit cards (if any): Nil

5. Interested in CC from: UOB One Card

Any suggestions are much appreciated.

[/Quote]

PBB Quantum 2Cards (Free for Life)
Quantum MC - 5% Cash Back on Online & Dining transactions (You can Pay your billing Online to CB), capped at RM30 per monthly statement cycle equivalent to RM600 spend.
Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

Maybank 2 Cards
* 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card.
* 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month.
Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back [/quote]
* You can Pay your Utilities Billing by using 2 Amex thru Maybank 2U or Online on Weekends to earn Cash Back.

SCB JustOne Platinum MasterCard Credit Card
for Petrol, eCommerce & Auto billing (Utilities Bill, Insurance via Auto Debit), EZ Fee Waiver with jz Call CS request an AF Waiver


This post has been edited by fly126: Jan 2 2018, 01:14 AM

My profile is similar to yours and I carry the following with the purposes of maximising cash back:

Hong Leong Wise Gold - Dining and Travel category, max cashback 100/mth.
Maybank AMEX Duo Platinum - Weekend spending, max cashback 50/mth and 5X Treat Points. This is my preferred card.
Standard Chartered Just One Platinum - Petrol and Online, max cashback 85/mth.
Public Bank Visa Signature - Groceries and Online, max cashback 50/mth.
CIMB World Mastercard - Free golf green fees a few times a year if lucky.

Will probably apply UOB Yolo (cashback 50/mth) because the new 2018 terms is more friendly to achieve.

For Wise card, I purposely downgrade to Gold card to save annual fee which cannot be waived. Also I got the wife to apply one herself (not supplementary) and select other categories to get another 100 cashback. Usually, I find the SCB card is the hardest to hit the minimum spending of 2500 if I don't buy anything online that month. Most months, can get the full cashback of 385 on around 10K credit card spend which works out to a 4% discount (once you factor in the card rewards points value).

PBB VS now rm38/mth cashback. take note ya

UOB YOLO for online, dining and travel. Perhaps groceries can purchase online.
The AF waived with minimum 1 transaction per month.

Thanks for the heads up. Fortunately still 6% earning rate without minimum spend.

yep, 6% still very good for everyday & no min spending.

From above two cards, I found that Maybank 2Cards only applied to weekend spending. Do you have other cards that allow cash rebate on weekdays also?

Mach is ok since it is applied to all days.

1. Annual Income: RM120k

2. Free Lifetime Annual Fee: Don't mind

3. Card required for: Petrol, Groceries, Online, Utilities, Telco, Unifi, Insurance, Autodebit

4. Existing credit cards (if any): Maybank Amex (Real Rewards), Maybank Visa Petronas, CIMB Platinum Mastercard - I already done my research and these cards sux!! I'm going to cancel all.

5. Interested in CC from: PB VS, MBB VS, MBB Barcelona

6. Others: Thinking of using the MBB Barcelona for Utilities, Telco, Unifi, Insurance, Autodebit. Online I use PB VS. Petrol and groceries MBB VS

PBB Visa Signature
6% Cash Back on Grocery, Dining and Online Transaction, 6% Cash Rebate is capped at RM38 per month per principal account equivalent to RM633.33 spend
OR,
PBB Quantum 2Cards (Free for Life)
Quantum MC - 5% Cash Back on Online & Dining transactions (You can Pay your billing Online to CB), capped at RM30 per monthly statement cycle equivalent to RM600 spend.
Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

SCB JustOne Platinum MasterCard Credit Card
for Petrol, eCommerce & Auto billing (Utilities Bill, Insurance via Auto Debit), EZ Fee Waiver with jz Call CS request an AF Waiver

Misc. CC...

Thanks for the great info!

Hi guys planning to get my first credit card. This because I need to get new laptop ASAP

1. Annual Income: RM30,000

2. Free Lifetime Annual Fee: Yes I needed

3. Card required for: buying only 1 stuff which is laptop. Once installment finish, i might get rid my cc

4. Existing credit cards (if any): This is my first CC

5. Interested in CC from: Citibank Simplicity+

6. Others:

Planning to apply through ringgit plus.
I will get Huawei Mediapad T3

Any recommendation other than this card?

Beside Citibank you can try on Maybank which's also got 0% interest instalment plans with selected Merchant like, SEN-Q
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Maybank 2 Cards
* 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card.
* 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month.
Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back


http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by fly126: Jan 5 2018, 11:59 PM

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Preferably or with minimum swipes

3. Card required for: Cash Back/Rebate for Petrol, Mobile Reload, Utilities, Online/departmental shopping

4. Existing credit cards (if any): Nil

* You can Pay your Utilities Billing by using 2 Amex thru Maybank 2U or Online on Weekends to earn Cash Back.

This post has been edited by fly126: Jan 7 2018, 12:22 AM