Hi all, would like to request recommendations with the below info

1. Annual Income: RM70k

2. Free Lifetime Annual Fee: if possible

3. Card required for: Cashback for - Petrol, online shopping, groceries

4. Existing credit cards : Maybank 2 card platinum

5. Interested in CC from: any

6. Others:
-I'm currently uses amex on weekend for petrol (around rm200 per month spent), and rm200 for groceries
-would like to maximise cashback if buy something online/petrol/groceries on weekdays because i will use it more on weekdays than weekends.

Thank youu in advance

Any sifu can recommend good credit cards? Different need this time

Annual Income: RM60K

2. Free Lifetime Annual Fee: Yes/can be waived

3. Card required for: List all your needs. Spend >rm250, insurance

4. Existing credit cards (if any): Maybank Petronas Ikwan, Affin Duo Visa, Affin Duo Plus Visa

5. Interested in CC from: Any

6. Others: Petrol using maybank petronas 8%
Spend <rm250 affin duo plus
e wallet affin duo

Hi, thank you for the suggestion. Ikhwan Amex is definitely a good choice if I'm doing online shopping.

Is there any cards which I may use for big purchases in real life? Eg I just bought a water heater but non of my current cards is able to give me cashback..,

Annual Income: RM 30K

2. Free Lifetime Annual Fee: Yes/can be waived

3. Card required for: Groceries mainly, but I'm planning on using it everytime i can including misc needs/shopping.

4. Existing credit cards (if any): Dont have any. This will be my First Credit Card

5. Interested in CC from: for now i have interest on Maybank's card. Since i mainly use Maybank. In the future, might explore.

So this will be my first credit card. I have been recommended to get the Maybank 2, was it, for my first one.

Just need 2nd opinion on this from you all.

Hi everyone,

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: waieable

3. Card required for: looking for weekday cashback on retail spend, ewallet top up, petrol and dining. If there is card for insurance payment lagi best. Mostly I will tie it with samsung pay to make payment.

4. Existing credit cards (if any):
- maybank 2cards
- pb visa quantum
- sc simply cash
- hsbc mpower amanah visa platinum (gonna cancel)
- citibank clear card (gonna cancel)

5. Interested in CC from: UOB one platinum or sc smart card

6. Others: currently i am using maybank 2cards on weekend spend when its possible. Then weekday, I am using sc simple card to pay and top up tng. But I think this SC simple card cashback not so much still better than HSBC mpower 🤣

Hi, May I know where can I buy the reload pin from lazada?

When I apply for M2C, can I just activate Amex and not the Mastercard? I've no plans to use the Mastercard and not worth paying SST for it.

Today TNG ewallet using reload pin has categorized as non-Transferable fund. Bought from Lazada, only have RM50, and limits to 5 only.

this transferable / non transferable thingy so annoying...

there is 1 day i scan to pay for my breakfast, then rejected because of this non transferable amount..... i never reload with CC & transfer out to bank before...

so i need to fast fast reload via FPX to TNG e-wallet then pay for my breakfast =.=

Free Lifetime Annual Fee: Yes. or Benefit easily its better than annual fee.

Card required for: Petrol, Dining, Utilities tnb, indah water, tm, online shopping

Existing credit cards (if any): Citibank CB migrated to UOB, Standard Charted(jz terminate) , MBB Amex + Visa, PBB Quantum(plan to terminate.).

Interested in CC from: Any banks

Others: Benefit preferred - Cash back prioritize

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

Is there any CC that gives high cashback for grocery at NSK and TF-Value, cos they r excluded from HSBC Amanah Plat, UOB1 and SC Simplycash. So far I think HLwise qualifies.

Hi everyone,

1. Annual Income: RM50k

2. Annual Fee: waive able preferred

3. Card required for: Mainly for TNB 4k, unifi 1k, buying on laz/shopee 1k. Lifestyle, grocery, petrol and dining 1k. Insurance payment 3k per annum.

4. Existing credit cards (if any):
- maybank 2 gold, amex ikhwan
- pb-i visa & master platinum
- rhb shell

5. Interested in CC from: rhb-i shell or affin duo (affin application rejected even with pledged fd..)

6. Others: Monthly spending increase, planning to apply additional cards, spending 6k-10k, does spending pattern matter to banks or they only look at income? Currently my cards all direct cashback, i dont know much about point conversion, appreciate any suggestions.

Thanks!

Annual income 50k, monthly spending 6-10k???

oh wow!!! buying TnG reload pin sounds like a good idea. Didn't know that work. thanks for the great idea.

By the way, im looking for a CC that is free annual fee and free access to premium lounge. Is the PBB CC the best choice now?
I did consider HSBC visa signature, but need to spend the minimum to get the annual fees waived, i am afraid that i might forget about it.

Currently am using: Maybank Grab Card + CIMB E-Card because free annual fees and Grab Card i have way too many points and can't give up anymore. lol.

Where do I buy tng reload pin online ya?

Hi everyone,

looking to get 1st Credit Card.

1. Annual Income: RM45.6k

2. Annual Fee: Free or can waive off.

3. Card required for: Monthly expenses comes under 1k (excluding rent) [food rm300~, petrol+toll rm300~, subscriptions (netflix, amazon) rm70~, utilities (electric, phone) rm60~]. Also would be paying parent's utilities etc through this. All expenses so far I pay using Maybank2u/MAE QRPay. Occasionally I use TnG if MAE cant. Petrol I use Setel.

4. Existing credit cards (if any): None

5. Interested in CC from: don't have any preference.

6. Others requirements: Would prefer card with cashback perk and card that is widely accepted for installment purchases

7. Others: Salary enters Maybank. I use it for expense. I transfer everything else to Public Bank for savings.

Thanks!
i read through a few pages and saw the following:
Does this means buy pin using CC [get cashback cuz online purchase], then use Tng to pay everything else? if yes, then I can use this.

Just curious about petrol payment. Right now, i topup to Setel and pay. So, i get mesra points. If I link CC to setel, will they direct deduct it and give cash back? And is mesra point still given?
Lastly: Is 3 months salary slip enough or need to show bank statements too (which bank's statement do I show)?

Thank you.

Thanks for the suggestions and tips. will try apply for it.

Just curious about 1 thing. if buying something via installment, is that entitled for cashback? how does that work if only weekends entitled to cashbacks (monthly weekend date changes)? 

1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: A Must

3. Card required for: Insurance auto rebate

4. Existing credit cards (if any): CIMB Petronas Infinite, Affin Duo, MBB Amex and Amex-i, PBB VS, QM, QV and Islamic Plat, Ambank True

5. Interested in CC from: No preference

6. Others: Please be specific. Example: I am currently charging my insurance to Affin Cash Back, due to the nature of the cashback require min RM3,000 on and off I hit or miss. So thinking if there is a better card with cash back for insurance auto debit.

The 8% Petronas Ikhwan is only for expenses at Petronas right? 8% Cash Back for spending at PETRONAS stations on Saturday & Sunday

Thank you.

1. Annual Income: > RM300K

2. Free Lifetime Annual Fee: if can waive with certain conditions is good

3. Card required for: Good reward points for paying school fees

4. Existing credit cards (if any): Maybank Visa Signature, Alliance Visa Infinite (use for online purchase and e-wallet)

5. Interested in CC from: Any banks

6. Others:
I pay school fees for kids. Will like to get a cc that have good rewards points for payment to education institutions.

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