even if 0.5% still better than nothing if u use bank transfer...

some platform like Lazada, zcity, Shopee can let u pay council bill, then, it will be 3-5% cashback if u pay direct with ur credit card / top up to their wallet (if the card give u cashback for ewallet)

3. Card required for: Petrol, Groceries, Dining or any daily transactions that can involve cashless payment
5. Interested in CC from: Maybank, currently I have Maybank2u and Maybank2e app, easier for me to check balance. Usually I use my debit card for cashless payment.
6. Others: Not a big spender, just want to apply credit card for a better CTOS score as suggested by my brother.

Just search and read the benefits of this card, not really a football fan and seems like this card not really suitable for me.

4. Existing credit cards (if any): Citibank CashBack Mastercard (For petrol and some dining expenses to meet RM500 min requirement), Citibank Clear Card (Rarely use), HSBC Amanah (Huge one off spendings), Public Bank Quantum VIsa (dining paywave) and Public Bank Quantum Mastercard (Online shopping)

6. Others: My monthly spending averages 2.2k (400 on petrol + 1,300 on dining out + 500 on online shopping).

4. Existing credit cards (if any): Citi Cash Back (general use + insurance + Grab + Setel), CIMB Cash Rebate (Setel + auto-billing Maxis & TNB + groceries), Affin Cash Back (TnG>Go+), PBB Quantum Visa (general use > RM100)

6. Others: Monthly minimum spending : Maxis (RM 350), Insurance GE (RM 550), groceries (RM 300), petrol (RM 400)

Thinking of cutting the Stan Chart JOP before it changes to Simply Cash next month.

3. Card required for: Cash Back/Rebate, : 90% ewallet + 10% dining/shopping

4. Existing credit cards (if any):
Myself: Current JustOne ( which i am looking for replacement) Cashback + Cimb ecard for Point
normal practice is to max out Just One quota then use Cimb ecard for unlimited point

My spouse have Maybank barcalona + Mpower cash back card. not sure if 1 family take same card is agood idea?

5. Interested in CC from:  Cash back card to replace Just one as i mainly use ewallet  ( i cant think of anything to be able to replace it yet)
btw top up into bigpay card also consider e-wallet?

3. Card required for: Petrol and grocery , online purchase , utility , auto deduction from telco/insurance and study

6. Others: Monthly minimum spending : 3-4++k .. looking for cashback card.

3. Card required for: Higher cash back for non-online spending, i.e Petrol, groceries, car services and other POS machines. (my current credit card offers about 0.2% CB)

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

3. Card required for: Food/Dining, Groceries, utilities, Petrol, insurance payment, e wallet reload, online spend

6. Others: Currently living with parents, moving out soon. Expected monthly expense is about RM1.3-1.5K (anything I can use the card on, rent not included). I'm aware certain cards have like minimum spend like 1.5K per month or 2K per month; If need to reach that level I think can add my parent's utilities and siblings insurance payment into my CC.

Thanks! Citibank cash back is 0.2%. Maybank Barcelona looks good at 1% with rm50 cap. Amex cash back gold for 1% uncapped for majority of the transactions, but got AF and i guess acceptance rate is still low(?). I have quite a handful of miscellaneous spending like service car, MC5813 related, and other offline transactions.

Is reward card worth it? If anyone did an analysis let me know. I rmb using some but I never gotten to the point where i could spend the points.

3. Card required for: Petrol, Transport (Grab, Bus Ticket, Train Ticket), Utilities (Time Fibre, TNB), Online digital product (Steam, Epic Store), Online shopping (Shopee, Lazada), Offline Shopping (groceries, Aeon, Tesco, electronic device etc), F&B (Mamak, Foodpanda, Airasia), Car Loan (if possible). Should be spending around RM1000-2000 for all these.

5. Interested in CC from: Citibank Cash Back Card, Standard Charted SIMPLY CASH CREDIT CARD

3. Card required for: Cashback, Mainly Astro, Unifi, Insurance, Hotlink, Petrol, Shopping, and eWallet

4. Existing credit cards (if any): None.

5. Interested in CC from: open to any beneficial cards that suits me now. (Got rejected by MBB when trying to applying m2Gold

6. Others: Salary bank is PBB bank, and own savings account on side gig biz account with HLB.

For cashback (online, eWallet), is the RHB Shell now a better card than Affin Bank Cash Back?

Not sure if I'm missing any details..

Wow I'm really amazed, that you need to dig this deep. But this for my fiancee btw.

3. Card required for: Cashback, Mainly Astro, Unifi, Insurance, Hotlink, Petrol, Shopping, and eWallet

5. Interested in CC from: open to any beneficial cards that suits me now. (Got rejected by MBB when trying to applying m2Gold

The Citibank "grocery" list doesn't include Speedmart etc. Very restrictive list. I'd rather advice to get the HLB Wise Visa. He should be able to max out the RM60 by planning around the weekend spend.

3. Card required for: Online transactions (local and overseas) > bills > lifestyle shopping (clothes, shoes, dining) > travel (local, overseas)

6. Others: Malaysian, a decade working. Already using the mentioned CC for petrol and health insurance. Perhaps better if I move the insurance payment to the new CC. My salary comes in RHB, so maybe better to have RHB card. But prefer another bank than RHB and maybank because of my savings strategy. No strong preference in cash back or reward points. Not looking for Shariah compliant card if possible, but will take it still if it's the best match for my use.

Liking the benefits of Affin Duo and Maybank 2 Gold. Not sure the Maybank amex platinum and maybank fcbarca is fit for me.

6. Others: No strong preference in cash back or reward points

3. Card required for: Cashback from Bill payment, e-wallet top up, online shopping

What is the difference betweeb between duo and duo-i? How bout amex ikhwan?

thanks. what about alliance bank if I can ask your opinion? They recently launched their virtual credit card and not gonna lie it's quite interesting to me.

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..,

3. Card required for: Mainly for utilities and E-wallet reload

6. Others: My average card spending is around RM600+ per month

Questions:
1) Oversea bank or local bank is better for credit card?

2) I use TnG ewallet frequently, which has the best perks for reload?

I read the fine print, a few things worth to take note below:


For my utilities bills, I will usually automate the payment.
This will probably fall under the direct debit.
Same goes to TnG e-wallet reload, could be a potential restriction.

There are a few good cashback cards but my spending amount doesn't quite met their target.
Perhaps I am one of the niche market, aside from cashback or rewards, what other perks that are worth to seek for?

3. Card required for: cashback and epp. My monthly spending is

Bills - rm300+-
Groceries - rm600+-
Petrol - rm160+-
Public transport - rm210+-

5. Interested in CC from: MBB - I have been reading thru some pages here and considering these 3 cc - MBB 2 cards, MBB Ikhwan and MBB Barcelona but I'm on the fence which one to choose.

3. Card required for: Mainly for getting a 0% instalment from Zcova ring purchase.

4. Existing credit cards (if any): Affin duo, RHB Shell.

5. Interested in CC from: Eligible banks for the 0% instalment from Zcova only from Maybank, CIMB, PBB so I am deciding which card to take from those banks.