pbb reject my application, is there any other option?

i wan quantum mastercard for online transaction

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: Must

3. Card required for: Cash Back/Rebate Only

4. Existing credit cards (if any): Maybank 2 Cards. Looking for better alternatives. No more weekend 5% bs because I'm doing online shopping and I can only use MasterCard.

5. Interested in CC from: Hoping you guys can help out

6. Others: Spend less than a thousand per month on credit card. Looking for some no frills cash back card.

Affin VS got annual fee right?

its weird that i cant find ocbc thread here...

anyway, anyone holding ocbc titanium cc? the unlimited 1% cash back inclusive of toping up ewallet?

Dear Sifus sekalian, your recommendation is very much appreciated.

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: Yes or can be waived

3. Card required for: Cashback/ Air miles

4. Existing credit cards (if any): OCBC Cashflo

5. Interested in CC from: Any

6. Other: Will use the card for an one-off purchase of about 9k-13k (diamond ring). Still deciding whether I should go for cashback or convert to air miles based on which one is more worth it.

Big thanks, Datolee32!  I guess I'll go for the treat points instead? RM50 isn't that helpful.

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Must or can be waived

3. Card required for: General usage (shopping, petrol, dining) - preferring cashback

4. Existing credit cards (if any): Maybank FCB (was content with the 2% - 10% arrangement, which no longer is the case)

5. Interested in CC from: Open to suggestions! Was looking at Public Visa Signature.

6. Others: N/A

1. Annual Income: RM42K

2. Free Lifetime Annual Fee: Preferably or Waived

3. Card required for: Petrol, PTPTN, Cash Back/Rebate Only, Grocery, Food & Entertainment

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

5. Interested in CC from: Any Bank

6. Others: Want to get a CC to increase my credit rating for future loan processing. Never had a CC before. Spend close to 3K monthly.. Mostly for Food, Entertainment, Bills & Petrol... currently just using debit card for all these purchases. hoping to get more cashbacks with CC & increase my credit rating for loan application in future.

Hope all sifu here can help me out! Thanks!

1. Annual Income: RM48K

2. Free Lifetime Annual Fee: Preferably or Waived

3. Card required for: Cash back, or flight benefit (minor)

4. Existing credit cards (if any): CIMB cashback, OCBC 365, OCBC titanium

5. Interested in CC from: Citi Cashback, Publick Bank Quantum

6. Others: I fly a lot and i use Big Pay a lot. Monthly usage around 1k, mostly on BigPay, Touch n Go, Grocery and Restaurant.

Is there any credit cards out there with points collection which is evergreen? (Except Citibank Rewards Card)

Yeah Public Quantum Master is good, but im not sure whether the 5% cashback also appliees to BigPay topup as well?
Thanks for the reply anyway~ So nice to have such helpful sifu here~

I am paying Utilities (TNB) for around RM7k per month, any cc to introduce?

Thanks in advance

My Mach will be discontinued by September and will be replaced by HLB Wise, do I cancel it and move to Essential or to move to SCB JOP/Liverpool FC?

1. Annual Income: RM70K-RM90K
2. Free Lifetime Annual Fee: Preferable but not necessary
3. Card required for: Petrol, Dining, Shopping, Maxis bill payment
4. Existing credit cards (if any): None, applying for first CC
5. Interested in CC from:
6. Others: Yearly will be making purchases between RM6K to RM10K in one swipe

1. Annual Income: RM60k
2. Free Lifetime Annual Fee: Preferably
3. Card required for: Petrol, Shopping, Digi bill, ewallets( boost, grab pay)
4. Existing credit cards (if any): None
5. Interested in CC from:
6. Others: looking for cashback while building credit score

Public Quantum cards don't give any benefit for petrols.

1. Annual Income: rm75k

2. Free Lifetime Annual Fee: no anaual fees

3. Card required for: online transactions, lazada shopee, phone bill, and dining, movies 

4. Existing credit cards (if any): maybank barcelona and maybank 2 platinum card , wanna cancel barcelona card

5. Interested in CC from:any

6. Others: need cashback card

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Mainly Petrol & Air tickets & Dining, secondary online purchase and light shopping

4. Existing credit cards (if any): HSBC

5. Interested in CC from: Any.

6. Others: Not sure of current CC, would like recommendation for above requirements. Possibly overseas light spending would required.

1. Annual Income: RM 65k

2. Free Lifetime Annual Fee: Must

3. Card required for: petrol, insurance, shop online

4. Existing credit cards (if any): Maybank barcelona

5. Interested in CC from: nil

6. Others: prefer cashback card since the cashback % from maybank card drop

Thank you

1. Annual Income: RM48K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Mainly Petrol, Dining, Grocery shopping, Insurance, Phone bill

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

5. Interested in CC from: Any.

6. Others: Will prefer a better cashback card than Maybank Barcelona since they revised to 1% now

Is Affin Visa Signature charge any annual fee?

1. Annual Income: ~RM60,000

2. Free Lifetime Annual Fee: Preferable

3. Card required for: Mostly for food delivery (Foodpanda, Morefun) <-does this coount as online transaction?, reloading E-wallets, grocery shopping at Servay

4. Existing credit cards (if any): Maybank FC Barcelona (but thinking to cancel since drop to 1% cashback only)

5. Interested in CC from: Any bank

6. Others: Freebies & Promotion (if any)

Im holding Bigpay card too. Was thinking to apply PB Quantum cards but the new Affin Duo looks interesting too. Recommendations or any other cards i could look into?

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol (BHP), groceries, e-wallet, overseas online shopping, preferably weekday cashback, utilities

4. Existing credit cards (if any): Nil

5. Interested in CC from: Any

6. Others: I've been taking a look at Maybank 2 Platinum (5x treats points on Amex) but the cashback only works on weekends. Any other suggestions? Need something for the weekdays due to the nature of my job.