1. Annual Income: ~60k

2. Free Lifetime Annual Fee: must or waiveable 

3. Card required for: Cash back for petrol and dining etc

4. Existing credit cards (if any): Maybank2Gold

5. Interested in CC from: Stand Chart Simple Cash Back, RHB Shell

6. Others: I’m looking for another cash back card that are usable on weekdays for cash back, while weekend will be using my maybank Amex whenever possible. Currently looking at the standard chartered and rhb one stated above, partly potential free gift in ringgit plus. However, saw that to entitled for max cash back it requires around 2.5k spending per month.. while maybank is just 1k. Means if adding two, it’s around 3.5k just to get cashback. But in fact, I’m not spending that much in a month for now. Hence need advise on this .

Thank you for the recommendation, actually I'm looking for CC without any annual fee that's even I don't swipe my card in a month.
Those Free for life credit cards.

i have HSBC VS that has PPL access, but believe its on MY only, is there any CC that allows me free PPL access in Dubai / Zurich?

Guys apart from the Amex dual card which can get 5% cashback on weekend, what is the best card to get from Maybank Visa/Mastercard?

1. Annual Income: approximately RM75K

2. Free Lifetime Annual Fee: Free or waivable without high annual spending requirements (below RM30k should be possible)

3. Card required for: Travel miles, lounge access (not very important as I'm based in Penang)

4. Existing credit cards (if any): Maybank2card AMEX + Maybank FCB card

5. Interested in CC from: None in particular

6. Others: Since the cash back reward from my existing maybank cards are no longer good (due to own spending pattern/habit and other restrictions) , I plan to shift all my spendings (where possible) to the new card to maximise the rewards. However, I'm not really a frequent traveller (around 1 overseas trip per year since last year).

let says I have Public islamic platinum mastercard and visa, the cap limit rm30  cashback will combine between those cards?

Hi guys, would like to get some advise.

1. Annual Income: 120k

2. Free Lifetime Annual Fee: Yes or can be waived (not a huge spender to qualify for those with high min spending for annual fee waiver)

3. Card required for: No particular requirement as cashback and points are generally covered under my Maybank2Platinum cards, but good to haves would be lounge access and/or additional cash back.

4. Existing credit cards (if any): Maybank 2 Cards Platinum (newly obtained & main cards; will be keeping for TreatsPoints and weekend cashback), Citi cashback (intend to cancel), Affin BHP (intend to cancel), OCBC titanium (intend to cancel).

5. Interested in CC from: No preference, but RHB World MasterCard caught my eye. Open to other suggestions and advice too.

6. Others: Generally intend to minimize my cards as little as possible, but enough to be well covered.

I just wondering why RHB is complicated. On lounge access or the cash back?

1. Annual Income: 60k

2. Free Lifetime Annual Fee: Yes or with fee waiver

3. Card required for: Cashback

4. Existing credit cards (if any): Maybank FC Barcelona

5. Interested in CC from: Looking at MBB 2 Cards (Gold / Plat) for the weekend Amex cashback, any other recs are welcome.

Thanks!

1. Annual Income: 70-80k+-

2. Free Lifetime Annual Fee: Yes or with fee waiver

3. Card required for:
1) Petrol (~RM500/month)
2) Dining (~RM 1.2k/ month)
3) Lazada Shopee, Bills (~RM500/month)
4) Touchngo reload (~RM500/month)

4. Existing credit cards (if any): Maybank 2 Cards Platinum, SC Smart Visa Platinum,Cimb Platinum Cash back(Thinking to cancel it)

5. Interested in CC from: Any

6. Others:

The bills consist of TNB, water, unifi, phone and mostly paid using M2U, not ewallet.. the public transport by using TnG
Thanks for the calculation, but i'm not planning to apply for 2 cc for now 😅 sorry, should have said one of those 3 cc
I can see MBB Ikhwan is the most safe for me, right?

1. Annual Income: RM120k

2. Free Lifetime Annual Fee: Yes.

3. Card required for: Mainly used for dining, petrol and auto-payments for bill (Telco, Insurance).

4. Existing credit cards (if any): Citibank Rewards Mastercard migrated to UOB World Mastercard.

5. Interested in CC from: Any banks

6. Others: Benefit preferred - Cash back/Air Miles/Airport Lounge accesses.

Any sifu can recommend for a card to replace my current card?

Hi can I ask if anyone will know: public bank visa signature 3% Cashback, If I use it for AIA insurance auto debit, does it give me the 3%? Thanks in advance!

Hey, anyone know is there is a card with fixed lounge access which I can use when traveling with my family member?

E.g.: 10 entry per year, 5 members travelling together, some are family and some not.

The one that I've checked
- UOB Visa Infinite, seems like only 1 entry per month for the card holder so it's out
- Maybank Visa Infinite, 5 entry per year but only card holder
- CIMB Travel World Elite card, shared the quota of 12 entry between all cardholder so only supplementary card holder can enter.

Ideally, I would to utilize the quota for non family members who are not supplementary cardholders.

Thanks in advance 😬

1. Annual Income: ~RM150k

2. Free Lifetime Annual Fee: yes / waiver

3. Card required for: medication or hospitalization / groceries / dining and insurance

4. Existing credit cards (if any): Lazada Citibank Card (now UOB), Maybank Petronas platinum

5. Interested in CC from:

6. Others: Every 3 month I need to purchase my mum cancer medication or some treatment from private hospital, cost is around RM30k - RM35k, and each month I need to pay around RM2k for insurance. Want to find cc that provide the highest cash back on this categories. And also, best is those credit card supported to add into my Samsung wallet and pay using paywave.

Hi, may I know which credit card can exchange air tickets to Singapore most effectively? Currently I have a Maybank Amex reserved.

I need to fly quite frequently to Singapore from now on. So i am thinking which cc is the best choice.

Hi all, I would like to request recommendations with details below.

1. Annual Income: RM54K (Include basic + Allowance)

2. Free Lifetime Annual Fee: Prefer yes

3. Card required for:
- For grocery and installment plan
- Sometimes can be used for petrol

4. Existing credit cards (if any): No

5. Interested in CC from: Any bank

6. Others: I do not own any card before and I am over 30 years old which is consider as white base. I did have a car loan from Maybank.

What is the best card to apply . I’m using UOB one card only. I’m thinking to get 1 more credit card, any suggestion. It could be cash back or get point to redeem, but which is better? Please recommend thank you

Hi seeking sifu for credit card recomendation:

1. Annual Income: RM81,000
2. Free Lifetime Annual Fee: Preferable
3. Card required for: Online shopping, pay utility bills and reload Tng ewallet
4. Existing credit cards (if any): Nil
5. Interested in CC from: Nil
6. Others: Preferable credit card that can waiver for annual fee and government service tax. Also focus on cash back.

Thank you.

1. Annual Income: RM400k

2. Free Lifetime Annual Fee: Yes, or can be waived with spending

3. Card required for: Just need another card to separate my personal spending and company expenses. Best for air miles collection.

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

5. Interested in CC from: Any bank

6. Others: Most of my spendings are usually company related expenses and also air tickets for business trip (spending > 200k per year, and most of the time i change the currency to usd if possible when checking out too).
                Previously was thinking of applying another maybank 2 cards so that i can have existing visa infinite for personal and m2p for all company stuffs

Thanks adele123,

May I know whether we can get waiver for the government service tax for the suggested credit card that you recommended me?
Maybank Ikhwan platinum amex and Affin Duo

1. Annual Income: RM37K

2. Free Lifetime Annual Fee: A Must (or min swipe to waive)

3. Card required for: Toll, Petrol, Food. Right now I'm mostly using TNG eWallet for Toll RFID, Petrol TNG Visa/Setel, Food GrabPay/TNG.

4. Existing credit cards (if any): Affin Duo

5. Interested in CC from: Public Bank - Public Islamic Bank Visa Platinum Credit Card-i (salary not there yet :c)

6. Others: Looking for other worthy cashback card, monthly spending 100 toll, 250 petrol, 1000 food, thanks in advanced!