Hello all the Sifus, I am seeking recommendations for one or two new credit cards that that offer improved cashback or miles options, aligning with my family's current spending patterns. Here are my criteria:

Annual Income: Approximately RM150K (Husband only)

Mandatory Free Lifetime Annual Fee: Must be free or waivable by meeting requirements (or contact Customer Service)

Required for:
a. Weekday expenditures
b. Utility bills – RM150
c. Family insurance - Approximately RM1.5k monthly

Current credit cards:
a. Maybank 2 Cards Platinum – Utilizing AMEX for weekend petrol, dining, and shopping. Usually achieving the RM50 cashback with a monthly spend of around RM1k.
b. Alliance Visa Infinite – Topping up RM3k for E-wallets (TNG 1k, Boost 1k, Shopeepay 1k) for daily retail spending (meals, KKmart, 99 peedmart, tolls, etc.) and online shopping. The RM1k Shopeepay top-up is directed towards the SSPN fund for my child.
c. Aeon Platinum Visa – Topping up RM12.5k to Grabpay for grabfood, jayagrocer, grabcar, etc., to get RM25 cashback, utilizing this card for Aeon store purchases.

Additionally, given my monthly spending total of RM3.5k on Housing Loan repayment, Hire purchase, and PTPTN repayment, having credit cards applicable to these categories would be advantageous for me.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: cashback, petrol, tng ewallet

4. Existing credit cards (if any): maybank petronas ikhwan & grab

5. Interested in CC from: any

6. Others: wanted to cancel my grab card since points are not worth it. i will be spending approx 60k (appliances online/brick & mortar shops & ikea furniture) to move in new home, might as well get a cc to reap most benefits for that (cash back or points that convert)

Any Sifus can help?
   

Affin Duo Plus has PayWave 3% cashback (lowest tier). Is it good or there are higher % of cashback (not a bit spender. RM1.5k monthly)

Must be credit card? Why not just use Wise's debit card? They are focused on foreign exchange rate after all. I think stan chart had a debit card for that purpose as well. No CC in Malaysia (that I know of) focuses on good exchange rate, because they always add on a charge to every transaction.

as far as i know, usually foreign transaction = visa/master exchange rate(1%) + bank charges(1% or above)

maybe u should look for zero bank charges like ocbc voyage card or cimb twe card. at least saved 1% but conversion rate is by visa/master which i am not sure about the exchange rate.
sometime campaign works better even though some might charged 2-3% , like currently uob has up to 8% cashback foreign transaction max capped rm300 which mean approx rm4xxx swipe amount+ pointsssss worth few % for miles.

Buy petron shell petronas voucher in Lazada using Amex and use anytime?

without knowing how much your grocery/petrol spending....

UOB One Classic should work for you.

Hi all. Would like to get a recommendation for a travel credit card. Will be staying in bangkok for 3 months later this year.
1. Annual Income: About RM 180k

2. Free Lifetime Annual Fee: Yes, if no Preferably waivable with minimum spend

3. Card required for: Overseas spend with minimal rate conversion, premium plaza access and points for overseas spend

4. Existing credit cards (if any): UOB cashback platinum

5. Interested in CC from: No preference, any bank

6. Key monthly spendings:
- Insurance - 200
- Transportation - 300
- Utilities (Internet, Phone ) - 100
- Groceries/Dining - 500-600

Thanks in advance for any suggestions!

Thanks for redirecting, but to respond to your question, isn't the purpose of having credit card ( for most people ) is to only use it for emergencies purposes, rather than a daily usage of the card to purchase necessities and food ?

1. Annual Income: RM 30K

2. Free Lifetime Annual Fee: A MUST, no annual charges of any kind, free for life ( Top Priority )

3. Card required for: Food / Petrol / Groceries / Mobile & Internet

4. Existing credit cards (if any): NIL

5. Interested in CC from: Can be any bank which fits my requirements.

6. Others: The reason for getting my first credit card is mainly to keep / maintain a good credit score, so I can have higher chance of getting future loans approval, that is my first and most important priority, the others is second.

P/S - Is this suitable for me ? As it seems to tick all my boxes Credit Card

Hi, able to explain why don't bother with CIMB , are they not good ?

As for the above 2 cards, Maybank doesn't really tick my boxes, as I pump petrol almost every 2-3 days. As for Affin, it's not free for life in terms of annual charges.

Oh thanks a lot buddy, I didn't pay enough close attention to the CIMB's cashback, yes indeed need to spend RM 3k in order to be eligible for cashback.

I would consider the Maybank one that you mentioned, but according to their policy PDF file, it says just need to spend minimum RM 20 to be eligible for cashback every month ?

No no, don't get me wrong. I just want to know what's the minimum amount to spend to be eligible for the cashback for the Maybank credit card, of course my minimum spending per month would be way more than that.

Annual Income: RM40k

1. Annual Fee: Preferably no fee, but open to options

2. Card required for:
- Weekly Groceries RM80 to 100,
- Biweekly petrol maybe RM50.
- monthly phone line top-up RM50
- Condo mgt fees
- Shoppee / Lazada occasional gadget and misc purchases
- Occasional Air Ticket and Agoda bookings for overseas trips. Probably once a year.
- Other: Insurance, Car maintenance, restoran, etc
- ewallet topup

3. Existing credit cards (if any): CIMB Cash Rebate Platinum MC

5. Interested in CC from: Any

6. Others: Cashback card preferable. MC or Visa

Thanks, looks like the method of usage for maximum Cash Back will be:

1. Groceries and Petrol on Fridays and Saturday only - Maybank Islamic Ikhwan Mastercard Gold Card-i

2. Everything else - AFFIN DUO Visa Cash Back

A couple questions:

1. Is there a list of approved groceries stores? Do convenience stores (KK, 99, 711, Family Mart) and bakeries (RT, TK, etc) count?

2. Will I be charged RM25 SST if I don't activate the AFFIN DUO Mastercard? And should I just cancel it as soon as I get it? as I'll only be using the VISA