1. Annual Income: 7300/monthly, include 13month bonus in Offer Letter it write 96k per year

2. Free Lifetime Annual Fee: as long as offer good cashback, then it will be fine.

3. Card required for: List all your needs. Cashback, Ewallet, Setel Petronas, PTPTN, Carloan(I don't know is it can get some cashback or collect coin 😂), Free LCCT Lounge Access (like 2-4 in a year should be fine, alternative)

4. Existing credit cards (if any): None

5. Interested in CC from: Other than Citybank

6. Others: Please be specific. Example: Mainly aim for Cashback. I just change my work, currently it is already 3 month, and I get my 3 month payslip. 

Very appreciate for your help.

hi, im new on this thread.
btw also new in applying CC.
now current work in sg for years and apply for MBB cc on 08 aug. Till now called them say still process. no news rejected or sucess. why?

called them almost once every 2 days. only reply to me is under processing.
as far as i know should not more than 2 weeks ...
just bit curious.

Sigh, looking for options of better cards here.

1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: A Must

3. Card required for: Online, retail transaction, grocery, wave.

4. Existing credit cards (if any): MBB Amex, PBB QM, QV, VS, PiB Visa Platinum, AMB TRUE and ABB Duo Cash Back Card.

5. Interested in CC from:

6. Others: Ideally looking for more cash back cards that does online (preferably eWallet so I no need track my usage category, but with the limited options now... well probably not much just wanna check if any I left out).

imho revising down the cashback % is still fine, but imposing the min spend of 100 is the dealbreaker.

1. Annual Income: RM39k

2. Free Lifetime Annual Fee: Nice to have, preferred.

3. Card required for: Mainly cashback for online transactions. If cashback are given for e-wallet top-up that's a bonus.

4. Existing credit cards (if any): OCBC Titanium, PB Quantum MC

5. Interested in CC from: Any (so long as criterion no.3 is met)

6. Others: I love cashback! No cashback no life.

1. Annual Income: >500K

2. Free Lifetime Annual Fee: I don't mind , can be waived annually is good.

3. Card required for: Daily expenses, Petrol , Groceries , Dining, Hotel, Insurance, Utilities , Online Shopping ,  .

4. Existing credit cards (if any): None

5. Interested in CC from: Any , mainly Maybank as i have Maybank Account.

6. Others: I've been a silent reader at Lowyat Forum for a long time, but I created an account today to pose this topic since my debit card prone to decline due to limits.  I'll just include some important information down below.
Age : 20 years old
Job : Self-employed (freelancer) as Blockchain Dev / SC Audit /  Project Forensic and few other positions.
Monthly Spending : >50K , mostly on investment app like Wahed , StashAway, Raiz , Huobi with small % on Daily expenses, Petrol , Outlets Shopping , Groceries , Restaurants.
Commitment : None
Pledge FD : Willing to pledge FD up to 250K as i don't have income statement.
Additionally, I'm looking for an answer regarding if I can bypass the 21 years old age/income statement requirements by pledging FD?

Greatly appreciate, and please accept my apologies for the extensive comments.

5. Interested in CC from: CIMB

6. Others: Please be specific. I only want to pay amount due with my CIMB online savings account, insurance with points is a plus point

I'm using UOB one card. But I thought it dont have a lot promotion or cash back. I dont know what credit card is good now, any suggestion? Also want to know cashback and reward card , which is better?

Annual Income: 80k

2. Free Lifetime Annual Fee: A Must or at least waivable

3. Card required for: Daily spend & Petrol, some online transaction, ewallet, bill and utilities

4. Existing credit cards (if any):Maybank FC Barcelona Visa Card, Amex gold 2 card

5. Interested in CC from: Islamic credit card

6. Want to change to islamic credit card with same benefit

1. Annual Income: 42k

2. Free Lifetime Annual Fee: Free

3. Card required for: EPP for iPhone, Groceries, Petrol, Online Shopping, Cashback

4. Existing credit cards (if any): None

5. Interested in CC from: Maybank

6. Other: Actually want to using EPP using credit card buying phone.

1. Annual Income: ~RM 90k

2. Free Lifetime Annual Fee: Preferably waivable with spend

3. Card required for：
a. Auto debit for TIME/Telco subscription
b. I do a lot of instalment shopping online (currently covered by Quantum + Maybank Grab but I might want to change)
c. Touch N Go reload for Tolls and places that only offer TnG
d. I do a lot of contactless swipes for groceries/general shopping/restaurants
e. Petrol is handled by Grab > Setel, which could also be replaced with a card that allows e-wallet reload

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

5. Interested in CC from: Affin Duo and Duo+

6. Others: I want cash back only, lounge access is also cool

Since PBB has revised their policy on all the 3 cards I have, I am thinking to replace/supplement them

1. Annual Income: > RM100K

2. Free Lifetime Annual Fee: No.

3. Card required for: Cash back
(i)must have: shell petrol pump, e-wallet top-up, utilities.
(ii) nice to have: insurance (AIA only)
(iii) don't really care: grocery, dining, online spending or any other spending

4. Existing credit cards (if any): Maybank 2 Card Premier (big ticket items and travel), HL Wise Card (mainly grocery,  online spend but capped at RM15, sad)

5. Interested in CC from: Currently, very interested in RHB Shell Visa Card (potentially, I can hit RM 100 cash back every month)

6. Others: I am looking for the best cash back for Shell petrol which I pump, e-wallet top up and cards with cash back on utilities is great as well. Cash back on premium paid for AIA insurance would be interesting. Also, a lot of cash back is capped between RM 15 to 50 based on category.

Looking for Credit Card recommendation.

1. Annual Income: 70k to 80k

2. Free Lifetime Annual Fee: Free for Life / waivable

3. Card required for: Local dining and retail shopping, online shopping, ewallet (if possible, for bigpay and grab)

4. Existing credit cards (if any): Public Bank Quantum Mastercard (archive in my drawer already), Maybank 2 Gold Amex, Maybank Barcelona Visa Signature, HSBC Visa Signature, CIMB e credit card

5. Interested in CC from: Any

6. Others: Focus on Enrich mile collection
Want to focus more on Enrich miles collection, KF miles collection is a plus but not mandatory (since it's not convenient for me to fly from Kuching, long transit time at Changi Airport).
Currently in my mind is Alliance Bank VI with lounge access, and Hong Leong Bank Sutera.
But I'm still hesitating and not sure which one to choose.

My current thought for:
Alliance Bank VI
- Good for ewallet reload and online transaction, max capped at RM3000. But this focus more on online transaction. My BigPay top up can be utilized by my CIMB e Credit Card
- Unable to get good reward for offline dining and local retail spend.
- Using grab pay but not many place accepted in Kuching
- Considering this card because of PPL access at airport in Malaysia, my HSBC Visa Signature only allow me to enter KLIA Satellite Building PPL.

Hong Leong Bank Sutera
- Online shopping good reward limited to payment with GrabPay/Touch & Go, and Lazada/Shopee (which I shop the least).
- Good reward point for local dining, groceries, and essential (watsons and guardian)
- Unable to get good reward for normal online transaction
- No PPL access
- Unlimited reward point collection

Hopefully to get some inputs for my decision. Recommendation for other cards are welcome as well. Thanks in advance.

Hi all! first timer in this sub forum. I got questions here. My first ever credit card just got approved today, despite worked for 4-5years already, now only want to apply credit card. (Annual income around 32000-35000)

If i wanted to apply a second one like now just after my first one approved, is it possible to apply second one? if yes, which card is better to get approve ya second one ya? The first CC approved is from PBE.

My preferred usage probably, groceries, petrol, bills monthly, and perhaps will buy something in future that use installment (furnitures/eletrical appliances etc etc). So yeah, would like to know which one is not so strict in approval of cc. Also annual fee if possible is waivable or free, Thanks!

Ah i see! Thanks, probably need wait around 1 more year for salary increment only can get more than 36000 annually. Though I got some income from stock market as well but then, its not consistent and not sure if gains from stock market can be included or not.

And noted for the RHB card, will check it out.

Hi all, does wedding banquet under restaurant bills falls under dining? If so, do recommend me best CC for cashback.

1. Annual Income: -

2. Free Lifetime Annual Fee: -

3. Card required for: Dinning

4. Existing credit cards (if any): Maybank Islamic MasterCard Ikhwan (For petrol)

5. Interested in CC from: -

6. Others: Wedding banquet estimated to cost around 30k+ , Im looking for 1 off best cashback CC to utilize this.

Hi guys,

Thinking of cutting the Stan Chart JOP before it changes to Simply Cash next month.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Yes, or at least easy to get AF waiver

3. Card required for: Cash Back/Rebate, overseas Transactions, online, e-wallet, entertainment tickets, auto debit (mostly insurance premiums), bills...along that vein

4. Existing credit cards (if any): Maybank 2 Gold cards, SC Smart (should I get rid of this too?), HSBC Amanah MPower Platinum

5. Interested in CC from: OCBC (any good or worth it)? Open to other bank suggestions

TIA

So am I, to be honest. Okla, maaaybbe a bit over 36K then (but not by much la) 

Good afternoon people, could anyone please recommend me a good cc? Please and thank you.

1. Annual Income: Roughly about RM60K annually

2. Free Lifetime Annual Fee: No

3. Card required for: In the short-term I plan to use the cc for consumer electronics like a smartphone or a laptop, would also be interested in Cash Back too.

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

5. Interested in CC from: Preferably Maybank or CIMB.

6. Others: I am a foreigner who only has savings account in Maybank, I wish to apply for a cc to buy consumer electronics.