1. Annual Income: gross 80k

2. Free Lifetime Annual Fee: Yes or waive with swipe

3. Card required for: Occasional dining, occasional online purchases (lazada, flight tickets, accomodation etc.) and occasional grocery. General monthly spent about RM1-2k on average

4. Existing credit cards (if any): Maybank 2 Card Gold, SCB Master Cash Back Gold

5. Interested in CC from: Public Bank Visa Signature or Public Bank Quantum Signature

6. Others: Need extra cards to maximize CB earned as AMEX only applies on weekend and SCB to maximize CB, need to spend more.

Options Available:-

1) Maybank FC Barcelona Visa Signature (Annual Free: FREE FOR LIFE)
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) and August (football season begins) and capped at maximum of RM 100 during the specified month.
Only transaction amounting RM 1 and above will be awarded cash rebate to customer
E- statement – Auto enrolment
TreatsPoints is not eligible for this card
Note: No cash back earned for EzyPay transactions.

2) Public Bank Quantum MasterCard and Visa (Annual Fee: FREE for Life)
PB Quantum MasterCard Card
5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle
PB Quantum Visa Card
5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle

3) Maybank Islamic MasterCard Ikhwan Gold/Platinum (Annual Fee: FREE for Life)
5% rebate on petrol and groceries on Friday and Saturday, capped at maximum of RM50.00 per customer per month (Principal and Supplementary Cardmember)
FREE Maybank Touch ‘n Go Zing card
Charity Fund. With every spending the Bank will contribute 0.1% for charity purposes. The selected charity organisation are:
Islamic Relief Malaysia/ MERCY Malaysia/ Islamic Aid Malaysia
Umrah Trip. One weekly Umrah winner (package for 2pax) will be selected to win an Umrah package (for Muslims) or holiday package (for non-Muslims) - non exchangeable / transferable. Every RM200 and above spend in a single receipt is equivalent to 1x entry. Campaign starts 1st August 2014 and ongoing. Winner selection will be done every three (3) months.
TreatsPoints. Every RM1 spend locally and overseas earn 1 Treatspoints EXCEPT fot GOVT transaction

1. Annual Income: gross 120k++

2. Free Lifetime Annual Fee: Yes

3. Card required for: See below point 6

4. Existing credit cards (if any): M2C platinum, MBB FCB

5. Interested in CC from: Preferably MBB

6. Others:
- M2C platinum. Using the AMEX most of the time for TP and can max out the cash back every month. Visa only when AMEX is not accepted
- FCB. Will use this for my insurance auto debit to max the CB
Need another card that can give me better perks than my M2C visa card. FCB is basically useless after you hit 2.5k spending a month

hi guys ,

can recommend me which credit card i should apply for installment payment for house renovation about 20k ??

i much prefer the bank which offer flexi payment with lower interest rate .

thank you

hi guys ,

can recommend me which credit card i should apply for installment payment for house renovation about 20k ??

i much prefer the bank which offer flexi payment with lower interest rate .

thank you

1. Annual Income: 82k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Online purchases like lazada, amazon, steam, utility bills, ebay

4. Existing credit cards (if any): None

5. Interested in CC from: MBB FCB

1. Annual Income: 36k

2. Free Lifetime Annual Fee: Yes or waive with swipe

3. Card required for: Dining, online purchases, groceries, phone/insurance bills

4. Existing credit cards (if any): none

5. Interested in CC from: HSBC due to reward points in sunway pyramid as I'm working there often

6. Others: None

for Maybankard 2 Cards, do we need to use both cards equally or we can just use one card (abandon the other one)?

This post has been edited by Invince_Z: May 19 2018, 02:44 PM

up to you to use either one la

If you have another better card, then please always abandon the other one like me.

so there's really no issue if we abandon either one la. i thought got minimum limit use for each.

This post has been edited by Invince_Z: May 19 2018, 06:03 PM

No. The another card always inside my drawer. LOL

which one u use? amex or visa/mastercard?

Surely AmEx lo.

I also keep my MasterCard in the drawer and only use it for Balance Transfer (whenever there's such a promo), easier to keep track and won't mix with my other transactions.

the amex or visa/mastercard can use at petrol stations and get cashback?

Yes for AmEx only.

hi all, can recommend cc for balance transfer, 0% if possible

1. Annual Income: 84k

2. Free Lifetime Annual Fee: Yes

3. Card required for: balance transfer if possible lowest posibble

4. Existing credit cards (if any): maybank2card, ocbc titanium

5. Interested in CC from: none

Public Bank always renew their 0% balance transfer. Now still having until June 2018. Their Quantum card and Visa Signature card good in benefit of cash rebate too. Highly recommended.

With the Maybank Amex card you get 5% cash back on weekends only.

i see. it's for any type spending right? so can spend on groceries, shopping, petrol and dining as well. so in 4 weeks spend mry1,000. weekly spend myr250.