do have have any other income that can boost your annual income >RM100k? e.g. EA Form with pay+bonus?

you can try PBB VS which has more flexibility to pay mobile/utilities via online. 6% cashback for dining/online/grocery, no minimum spending.

Tried applying twice but PB refused to give me. I gave ip on them. Both times they gave me their useless visa platinum.

1. Annual Income: 50-60k

2. Free Lifetime Annual Fee: Yes/Automatic waiver under certain requirements (e.g. 12x swipes a year)

3. Card required for:
- Insurance: ~RM450 monthly
- Car Insurance (not sure if you can pay this with credit card though): ~RM1,300 annually
- Department Store (e.g. Parkson, AEON): occasionally
- Unifi: ~RM350 monthly (paying for both mine and parent's bill)
- Other spendings (e.g. dining, medical, car service): occasionally

4. Existing credit cards (I want to keep these cards, except for AEON):
- MBB Ikhwan Mastercard (for groceries and petrol)
- MBB Ikhwan Petronas Visa (for petrol and TouchnGo)
- CIMB CR (for occasional non-weekend petrol and groceries, online spending, mobile and utility bills, and retail spendings)
- AEON BiG Visa Gold (for Sunday petrol, 6x PPL access, and previously for posonilne )

5. Interested in CC from: Any bank

6. Others: My current monthly spending on credit card is around 2.5k only, and it's currently spread across a few credit cards. I only use CC to pay for the things I need. Because of this, most tiered cashback CC are useless for me, since I cannot reach their spending requirement.

How about get a General Usage atau Dan Lain-lain CC as Spare Card, since You both got MBB Ikhwan & CIMB CR, already...

I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

III) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. https://www.sc.com/my/credit-cards/goldcard/gold-card.html

IV) OCBC 365 Mastercard: 1% CB on 1st RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending http://www.alliancebank.com.my/younique

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

This post has been edited by fly126: Feb 9 2017, 03:57 PM

Thanks, Alliance You:nique seems like the best for my needs.

Yeah & pls take Noted...
HOW Alliance You:nique Cashback tier Works - RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap).

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol, Overseas Transactions

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

5. Interested in CC from: Anything also can

6. Others: I never applied for any credit card before as i do not have any need of it,but i am going to the US next few months and hotels and rental cars only accept credit card. thus my main focus now only to pay for my overseas transaction, but after that maybe can use to pay for petrol only

This post has been edited by kapalterbang_737: Feb 10 2017, 11:42 AM

Ya, It should be...

1. Annual Income: RM42k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cashback from topup TnG, pay insurance, pay loan car, pay asb

4. Existing credit cards (if any): CIMB CashRebate Mastercard & Maybank Islamic Mastercard Ikhwan

5. Interested in CC from: dont mind any

6. Others: Wondering, can we get cashback from paying insurance, TnG and car loan using credit card? I only familiar with cashback for petrol and groceries.

Car loan - no. You cannot.
Insurance - depending on amount as some cards with AF.
For TnG, you can reload from Jaya Grocers and few petrol stations using your MasterCard Ikhwan and get 5%. See the list contributed by users here: https://forum.lowyat.net/index.php?showtopic=3757650

This post has been edited by fruitie: Feb 10 2017, 04:18 PM

1. Annual Income: RM100k+

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Grocery and Utility payment.

4. Existing credit cards (if any): Maybank 2 Cards Premier

5. Interested in CC from: Maybank or CIMB

6. Others: Decided to let go current Maybank 2 Cards Premier due to high annual fee. Already had it for 2 (or 3, cant remember) years and managed to get fee waived cause of high spending power needed at the time.

PBB VS 6% cashback for Grocery/Dining/Online. capped RM50 cb per statement month (~RM833 spending). if need more cb, apply supp card with separate statement. max RM50 cb will be separate for each card. no min spending for cashback, shift your Utility/Grocery/Dining (if any) to this card. AF waived with 12 swipes per anniversary year.

MBB Mastercard Ikhwan 5% for Grocery/Petrol during Fri/Sat only. capped RM50 per calendar month (RM1000 spending).

MBB Visa Ikhwan Petronas 8% cashback for Petronas during weekend only. capped RM50 cb per calendar month (RM625 spending). get this if you have no loyalty to petrol brand and able to wait to pump during weekend Sat/Sun. if cannot wait, can purchase Petronas Gift Card and reload at Petronas @ Sungai Besi-Puchong Bypass station. use the Gift Card on any days but troublesome to go to this station to reload during weekend, especially you're not near this area.

This post has been edited by cybpsych: Feb 13 2017, 07:19 AM

Thanks for the suggestion

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: Preferred Free for Life or Conditional

3. Card required for: Cash Back only. Use for dining/retail/online shopping. No need for petrol

4. Existing credit cards (if any): MBB Card 2 Card

5. Interested in CC from: Any

6. Others: Basically looking for a card free for maintenance. No need to monitor minimum spending per month. I reside outside Malaysia and return for shopping every 2-3 month. Any card that give solid cash back without meeting any requirement will be great.

1. Public Bank VS (Dining, Online- 12x for free AF)
2. HLB Mach (choose from list of categories, 12x for free AF)
3. CIMB Cash Rebate (Online - no AF)

1. Annual Income: RM80K

2. Free Lifetime Annual Fee: Preferred Free for Life or Conditional

3. Card required for: Cash Back, petrol, utilities, groceries.

4. Existing credit cards (if any): AMBANK + PB GOLD

5. Interested in CC from: Any

6. Others: N/A

Thank you

1. MBB Ikhwan Mastercard (petrol + groceries on Fri/Sat, free AF)
2. CIMB Cash Rebate (online, free AF)

1. Annual Income: 70k

2. Free Lifetime Annual Fee: Yes (cards that can be waived if hit certain criteria also can)

3. Card required for: Petrol, Groceries, Utilities, Online - Cash back card, reward cards are also okay if their points are acceptable

4. Existing credit cards (if any):
i) MBB 2 Card
ii) Citibank Cash Back - will be canceling it soon due to annual fee

5. Interest in CC from: Any

Thank You!

AMB Gold, since u r travelling, if u purchase ur flight ticket with this card, auto cover for travel insurance also

MBB Ikhwan Plat / HLb Wise ?