Don't use a credit card to pay LHDN as you need to pay 0.8% surcharge.

None of local credit cards is giving cashback or reward to Government-related transactions as our Governments are paying very minimal or FOC (debit) for Visa/Mastercard transactions.

Fair enough. Forgot to mention I prefer Islamic cards. Amended my earlier post.

1. Annual Income: 96k-120k

2. Free Lifetime Annual: Optional

3. Card required for: List all your needs. Overseas Transaction (Mainly), Petrol

4. Existing credit cards (if any): Nil
Dear Sifu. I'm looking for a credit card for overseas transactions. Mainly, will be using it to pay softwares subscriptions on a monthly basis, est $1000 per month. Appreciate if any sifus can recommend the best credit card for it! Thank you!

Hi, looking to get my first credit card.

1. Annual Income: RM32k - RM45k (32k is my basic, I get the extra from freelance)

2. Free Lifetime Annual Fee: Must

3. Card required for:
- eWallet (Grab / TNG)
- Online Shopping (Shopee / Lazada)
- Online subscriptions (Adobe, etc)
- Retail
- Dining

4. Existing credit cards (if any): None

5. Interested in CC from: - 

6. Others: I'm just looking for best returns (be it cashback, airmiles, etc). I mainly use Maybank as main bank, CIMB as secondary.

Wanted a credit card that give good rebates on boost and tngo ewallet.
Any suggestion beside affin duo?

Wanted card that have more than 3% rebates.

Thank you for your suggestion! Might have forgotten to add that I just started working my first job (3 months) and registration requires EPF statement with minimum 13 months record 

I meant to apply for the card itself

Hi sifus, I am thinking to apply my first ever credit card with AEON BiG Visa Classic Card.
Citibank, CIMB, HSBC, Maybank have rejected me (applied for their most basic credit cards). Likewise, I do not have any loan records or outstanding debts.

Annual Income: Rm42,000 per month

Perhaps anyone has any opinion would it better to apply online or rather in person at the booth (aeon supermarket mid valley mall). Which way works better or almost the same actually?
Likewise, is it true Aeon cc are easier for approval? Sorry to ask silly questions. appreciate it very much sifus. tqtq

Cool, the conversion limited to participating merchants only?

1. Annual Income: RM120k

2. Free Lifetime Annual Fee: preferably

3. Card required for: (Cash Back) Online bills payment, insurance, groceries, eWallet, petrol, online/offline shopping (optional: shopping with 0% installment)

4. Existing credit cards (if any): Public Bank VS (Dinning, Online(Shopping/eWallet), Groceries)
                                              Public Bank Quantum MC(eWallet)
                                              MBB2 Amex (Petrol, Retail)
                                              MBB Ikhwan Platinum (Petrol and Groceries -Plan to cancel if have better replacement),
                                              OCBC GE MC (Insurance)

5. Interested in CC from: any . (Looking to replace my OCBC GE MC since they cease the Auto IPP for my GE Insurance starting 1/3/2021)

can just apply visa only? any other choice beside affin duo?

Hi Sifu-sifu, please help:

1. Annual Income: RM 60k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Groceries

4. Existing credit cards (if any): HSBC premier, Affin Invikta, RHB premier

5. Interested in CC from: Any bank (prefer Visa Infinite/Mastercard World Elite)

Thank you

he has a lot of premier CC but annual income RM60k?
If RM60k, PB VS - not eligible.

Visa infinite is better than visa signature right?

Hotel collection
Concierge service
Airport lounge access
Insurance and warranty protection
Emergency disbursement

Yes I want to see which bank offer better service
And possible change bank

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: yes (and will consider fee that able to waive)

3. Card required for: ewallet transaction (tng & grab), groceries

4. Existing credit cards (if any): MBB Petronas Ikhwan

5. Interested in CC from: any

6. Others: using cc for groceries & ewallet auto topup, looking to maximize benefit from these 2. Petrol im quite happy with current mbb card, thou not getting max cb amount (i spend monthly rm270 on petrol) & a bit hassle to pump on weekend only.

Any good credit card recommendation for online transaction and e-wallet reload? I already have PBB Quantum and PBB Visa Signature. One of the recommendation I got if Affinbank Duo. Any other recommendation?

EDIT: Saw some thread back there's another recommendation - Public Islamic Bank Visa Platinum - 4% online

PBB Visa Signature