1. Annual Income: RM50K to RM56K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Prudential Insurance, HLA Savings, Overseas Transactions

4. Existing credit cards (if any): HSBC Amanah MPower Visa Platinum

5. Interested in CC from: Nil

6. Others: I want cash back only and no reward points.

Thank you.

This post has been edited by kienloon: Jan 14 2018, 12:55 PM

Annual Income: RM24k to RM30k

2. Free Lifetime Annual Fee: Must

3. Card required for: mainly online purchases, eg Hermo, Althea, Taobao. Occasionally departmental purchases in Watsons etc, petrol

4. Existing credit cards (if any): None, newbie looking for first CC

5. Interested in CC from: Nil

6. Others: Focus on cashback, preferable if can pay easily with Maybank2U.

Thank you.

Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Hmm.. Free or low annual fee is acceptable

3. Card required for: Oversea online transaction only

4. Existing credit cards (if any): CIMB Cash Rebate, UOB One Card, Maybank Ikhwan Gold Card

5. Interested in CC from: Any banks as long as their overseas transaction rate (refer here: https://forum.lowyat.net/topic/1845691) remain as low as 1%

6. Others: Unlimited Cash rebate on foreign currency spend via online (either built-in benefit or campaign offer are acceptable). If no unlimited, at least big cap.

Thank you.

This post has been edited by loyalkkk: Jan 15 2018, 11:56 PM

Maybank barcelona. cimb cash rebate for overseas.

If hit rm30k annual income, maybank 2 card gold.


Public bank quantum or uob yolo for online purchase.

Maybank barcelona for another 2%. These few cards don't have low forex charge but offset by their rebate.

Thanks for the responses.

1. Annual Income: RM50K (base)

2. Free Lifetime Annual Fee: Preferably

3. Card required for: General spending (preferably unconditional)

4. Existing credit cards (if any): MBB 2 Gold, PBB 2 Quantum

5. Interested in CC from: Visa/Master

6. Others: Looking for a card with high miles conversion when I'm unable to use my MBB 2 Gold AMEX as AMEX sometimes not accepted, current best cards for miles conversion is unavailable for me due to insufficient annual income, annual income to increase to above RM60K above this year - is there any cards worth waiting for?

1. Annual Income:
RM80k

2. Free Lifetime Annual Fee:
A Must

3. Card required for (in order of importance):
Dining, Cash Back/Rebate, Overseas Transactions.

4. Existing credit cards (if any):
a. Maybank 2 Cards
b. Quantum 2 Cards
c. Maybank Islamic MC Ikhwan

5. Interested in CC from:
I have account with below banks.
1) Maybank
2) CIMB
3) Public Bank
4) Hong Leong
Or can suggest me others

6. Others:
I have maxed out the above cards with bills and commitments. So the next card I'm looking is for dining and cashback when I occasionally outstation, within and most of the time out of Malaysia.

Appreciate your kind help, thank you in advance.

This post has been edited by monoikhwan: Jan 17 2018, 02:35 PM

Try,

Maybank Barcelona
MACH (HLB sub) card

Edit ed

This post has been edited by fly126: Jan 17 2018, 04:17 PM

Maybank FC Barcelona VS , SCB CashBack Gold.


This post has been edited by fly126: Jan 17 2018, 04:20 PM

Thanks

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: Must

3. Card required for: Dining, Phone Bill (Celcom), Spotify, Petrol, Online shopping (Aliexpress, Zalora, EA Origin, Steam etc)

4. Existing credit cards (if any): Citi Clear, UOB One (plan to cancel this soon because I'm not the principal holder and so don't get the cashback)

5. Interested in CC from: No preference

6. Others: Mostly cash back. Rewards points are nice but I don't track them

PBB Quantum 2Cards (Free for Life)
Quantum MC - 5% Cash Back on Online & Dining transactions (You can Pay your billing Online to get CB), capped at RM30/
month
Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30/month

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

Thank you so much!

1. Annual Income: >RM500k

2. Free Lifetime Annual Fee: Any(If benefit is good can consider with annual fee)

3. Card required for: Dining, Phone Bill (Celcom), Petrol, Online shopping

4. Existing credit cards (if any): Currently holding OCBC credit card + Hong Leong wise + Hong Leong Essential.

5. Interested in CC from: Cash Back and travel credit card (two different credit card or 1 credit card also can)

6. Others: Looking to cancel HL Wise as my spending always varies on RM1k-10k, Sometimes will make big purchase, sometimes will have no purchase, that's why I cant maintain Hong Leong Wise. Need a new travel credit card as I will keep travel around up to 3-10 times per year, so hope to enjoy some premier lounge, previously enter premier lounge using wife credit card.

Looking to maintain OCBC credit card for insurance payment, Hong Leong Essential for other expenses. I can consider to change all these 3 credit card too.

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.

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


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

Maybank FC Barcelona Visa Signature
* Lifetime Fee Waiver
* 2% Cash back for ALL purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

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

Hi sifus,

Would like to seek recommendation here..i have tied my insurance auto debit to my UOB One Card .. existingly have Ikhwan Maybank card 2 of it.. Am considering to apply Maybank FC Barcelona card... Which card would you all advice to cancel? Does UOB One Card benefit is negligable with its kind of benefit its offering?

Looks like PBB Quantum 2Cards is better than PBB Visa Signature because the capping is much higher.

Beside ambank, any good travel card?

Thanks for your recommendation.

Hi guys, It's been a long time I checked on new CC and I didn't quite track my cashback also, not sure if recent terms have changed or not. Looking for new recommendations for my spendings. Thanks.

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Dining, Online bill payment, Insurance, and other misc like random purchase and travels

4. Existing credit cards (if any):
a) Maybank Visa Signature - For Petrol (Roughly RM400 spending/month) - Have to cancel by next month because I heard can't get annual fee waiver and I don't use much also.
b) Public Bank visa Signature - For Dining (Roughly RM900 spending/month)
c) UOB YOLO - For Online bill payment (Roughly RM900 spending/month)
d) Standard Chartered Mastercard - For MISC (Roughly RM1300/month)
e) Alliance Younique - For MISC
f) HLB Essentials - For MISC

5. Interested in CC from: Prefer but not limited to - CIMB, CITI, HL, MBB, RHB, SC (Because want to utilize Samsung Pay haha)

6. Others: I'm a cashback person only. Looking to max out my cashbacks with my spendings. I don't have specific categories sometimes that why I have mostly MISC CB cards (That is not limited by days, categories, etc) Open to totally new cards. I can cancel all my card and get new cards if needed. Thanks in advance for your recommendations. Thanks!

Unfortunately YES got some changes...
Revision on PBB VS - 6% Cash Rebate is capped at RM38 per month per principal account equivalent to RM633.33 spend (effective 1st January 2018).

TRY THESE:
PBB Quantum 2Cards
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.

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


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

Maybank FC Barcelona Visa Signature
* Lifetime Fee Waiver
* 2% Cash back for ALL purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by fly126: Jan 22 2018, 08:08 AM