1. Annual Income: >100K

2. Free Lifetime Annual Fee: Must

3. Card required for: Cash Back for Online, eWallet, Groceries, Retail, Dining and Bills. Don't care about points, lounge or air miles.

4. Existing credit cards: Maybank 2 Amex (for weekend where applicable), Affin Duo (for online, autobilling, ewallet) and PB Visa Signature (used to be online and groceries, now require >100 per transaction, will cancel soon)

5. Interested in CC from: Any. Been eyeing Public Islamic MasterCard Platinum to replace PB Visa Signature.

6. Others: No tiered spending. Cashback 2% or more preferred.

1. Annual Income: RM59K.

2. Free Lifetime Annual Fee: yes or waivable

3. Card required for: grocery, shopping, easy installment

4. Existing credit cards (if any): none

5. Interested in CC from: any (maybe leaning towards MBB since I have savings account in MBB and most of my transactions are done in MBB)

6. Others: I am applying for a cc just for emergency usage for now

1. Annual Income: RM59K.

2. Free Lifetime Annual Fee: yes or waivable

3. Card required for: grocery, shopping, easy installment

4. Existing credit cards (if any): none

5. Interested in CC from: any (maybe leaning towards MBB since I have savings account in MBB and most of my transactions are done in MBB)

6. Others: I am applying for a cc just for emergency usage for now

May I know any other option other than MBB?

1. Annual Income: rm180k

2. Free Lifetime Annual Fee: Must

3. Card required for: cash back

4. Existing credit cards (if any): Public bank petron gold visa & quantum , Affin Duo

5. Interested in CC from: any bank

Reasons:
1. 4% cashback no min spend (capped RM30)
2. 2x lounge access
3. Annual fee waivable (if met 12x swipes a year)

This card should be e-wallet friendly. Others can confirm on this?

Other cards can consider:
1. Maybank Islamic AMEX Platinum: 8% cashback for online spend (but not for ewallet topup)
1. Affin Duo

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

1. Annual Income: 60k

2. Free Lifetime Annual Fee: Not compulsory

3. Card required for: Cashback for TnG reload. More than 1% cashback for food and carpark mainly

4. Existing credit cards (if any): CIMB Mastercard Cash Rebate, Maybank Visa Barcelona FC, Maybank Mastercard Grab

5. Interested in CC from: Any

6. Others: Would also be great if there's high % of cashback for light shopping, grocery, petrol, tnb, celcom, unifi, etc.

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..,

1. Annual Income: 60k

2. Free Lifetime Annual Fee: Yes or with fee waiver

3. Card required for: Cashback

4. Existing credit cards (if any): Maybank FC Barcelona

5. Interested in CC from: Looking at MBB 2 Cards (Gold / Plat) for the weekend Amex cashback, any other recs are welcome.

Thanks!

Hi sifu. Is it recommended to apply cc online via ringgitplus? Or can you guys recommend any other option for online?

Which are the better maybank cards that give the best in rewards (cb or treat points)? Want to take advantage of the fpp.

Anyone working in SG but stay in Malaysia? Better to get MY cc or SG cc? Mostly spending in MY.

1. Annual Income: RM101k

2. Free Lifetime Annual Fee: Free / waivable, annual spending about RM60k

3. Card required for: cashback, airmiles conversion

4. Existing credit cards (if any): Maybank 2Premier, HSBC amanah platinum (upgrading to HSBC visa signature soon), Standard Chartered simply cash (cancelling soon), Public Bank Quantum Visa

5. Interested in CC from: any

6. Others: Just cancelled my UOB world

need recommendation for credit card that gives cash back on spending on anything or almost everything.

using mbb barcelona now, thinking to get another cc that got similar benefit as this card.
note:
- also using various cash back cc
- just need a cc that replace mbb barcelona

Hi all Sifus, I recently bought a condo unit and moving back to stay in JB while still working in SG (work is hybrid mode). I’m a 29 yo single lady, without a car, income sgd 3k+, I’m generally a low spender if not counting vacation expenses, attaching the average spending habit record in sgd

The only card I’m holding now is PBB quantum visa, but gonna replace this since the cb has nerfed to 2%.

While still waiting to get the unit key, but I’m imagining my expenses will be as such, seek your kind recommendation of cards for 2 periods, preferably cashback card (as I find it hard to accumulate to a certain mileage to redeem before it expire in my 6 years renting room in sg life):

1) renovation period (is it possible to chiong mileage for this and maybe after reno can get a free flight ticket? Haha): renovation fee, household products, furniture etc

Also will I get cashback/miles by doing zero interest instalment for those?

2) after renovation:
a) Fixed expenses: F&B (hawker with tng/restaurant), grocery, transport like Grab, WiFi, utilities bill, telco, term life insurance (premium is low), rm300 condo maintenance, Invisalign/dental, etc
b) occasional expenses: shopping (I shop online mostly), flight ticket, hotel, movie

UOB PRVI Miles Elite card good ?

Hi all, need some recommendation.

I am currently already using:
1. Standard Chartered Simply Cash Card (almost maxing my cashback of RM60 per month with min spending of RM2,500 per month)
2. HSBC credit card that doesn't give cash back (I will be cancelling this CC soon), last time applied and got RM600 in TnG.

For me, i spend almost at least 5k per month with some months going up to 12k or even 15k on certain months (rarely), but let's just say my min spending is about 5k per month for various transaction.

Can you recommend me another credit card with pretty good cash back? I mean low hanging fruit type that I could easily get some cash back, I'm thinking the UOB one card or something (previously the Citi card).

Any comment?

In general:
Telco bill 100
Astro + broadband 300
time for my condo 100
insurance 400-500
tnb bills 100
water bills 30
management fees sinking funds 700
cukai taksiran assessment 1.6k yearly
cukai petak and fire insurance 400 yearly
groceries 200 or less (she buys more)
petrol around 200
toll (tng ewallet reload) 200
dining out maybe around 800-1000 per month (including tng reload, pay using ewallet)
online shopping 300-400

others
occasionally car/bike service etc
pay for saman etc
dan lain lain

hi. currently considering cutting down on some unused credit cards.

MBB: Limit wise consider lower than other banks below:
1. Maybank Visa Infinite - Main usage and wife using it as daily too.
2. Maybank 2 Card Platinum - Rarely use (MBB just issue and since AF is free i keep only)
3. Maybank FC Barcelona - Issued with House loan last time. (FREE AF)

Alliance: So far happy with the service and CS also helpful. Credit limit also good
4. Alliance VI - Use for TNG e-wallet other than that is infinite and their lounge benefit is quite ok for this level.  Need to 12k pa for waiver so far can hit.
5. HSBC Visa Signature - For auto billing - AF yearly HSBC waive for me...no issue auto and limit the give also good

UOB: Been keeping this since the limit is highest
6. UOB One Card - My 1st card fresh grad until now....AF so far they waive for me
7. UOB PRIV MILES ELITE (former Citi Premier miles) - No using but not so sure the benefit about the card - Some say the miles not bad.
8. UOB World - (former Citi Rewards) - Initially want to cut but UOB offered cash rebate so just retain only.

9. Standard Charted JOURNEY (High credit limit) - Miles and nothing much. AF so far still waived for me.

Out of the cards, i still thinking of cutting off to at least save some SST RM25 

Can share which one not really popular and can cut off? 

Pefer to have at 3-4 cards only. With Lounge benefit and good ones.