1. Annual Income:  RM30K -36k

2. Free Lifetime Annual Fee: At least free for 1st years

3. Card required for: cash back, petrol, utilities ,online

4. Existing credit cards (if any): sc just one, uob one (going chop)

5. Interested in CC from: citi cash back

thanks dude, the quantum can get cb from make payment online for astro,tnb,water?
coz worry wont work ,example like uob yolo been confirmed by other, it wont works for cb

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A Must

3. Card required for: installment (not necessary 0%), online shopping

4. Existing credit cards (if any):

5. Interested in CC from: Maybank(ezpay)?

Hi there. Thx for your suggestion. I suppose it will be better for me to take quantum if i frequently deal with the merchants not participate in the ZIIP program. Is that right?

Hi...
1. Annual Income:  RM60K to RM100K

2. Free Lifetime Annual Fee: yes

3. Card required for: List all your needs.  Free LCCT Lounge Access, Paying for Air flights

4. Existing credit cards (if any): Maybank2 card and Ikhwan

5. Interested in CC from:

6. Others: Need to fly every few months and noticed airasia charges RM16 for CC transaction. Will the Airasia mastercard worth to apply to save on this amount?

Thank you.

Hi All,

Will be moving to Malaysia in a couple of months.

Have browsed through the various bank/credit card sites but would like to also hear from users.
Not only am I looking to sign up for CCs, but I also need to sign up for some personal bank savings accounts. I do a lot of transactions/payments online so for me a good APP/web interface is important too.
From what I understand, CIMB has the best app interface - let me know if I am wrong.

Anyway, in regards to the CCs, here are my details:

1. Annual Income: RM500k+

2. Free Lifetime Annual Fee: No.

3. Card required for: List all your needs. AirMiles, Lounge Access, Overseas Transactions

4. Existing credit cards (if any): Nil (in Msia).

5. Interested in CC from: Suggestions please!

6. Others: I am a foreigner. I would like to be able to track expenses on CC via App. Don't care much about cashback as in many cases they are capped.

Thanks everyone!

I would say I use the CC mostly for travel related purposes.

Flight bookings, hotel bookings, car rental etc all overseas spent.
Where I spend on the card locally is 80% just on dining. (But even then I mostly use my debit card for that).

Annual spent would be around RM120-150k (of which the 80% would be overseas).

Groceries, Utilities, fuel etc I normally go for my debit card.

Hi, which credit card would you all recommend?

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Groceries, potential overseas transaction, petrol in the future

4. Existing credit cards (if any): Nil.

5. Interested in CC from:

I've been using debit card for 4 years already and I heard having a credit card is useful to getting credit scores(?). Please advice.

Thank you

1. Annual Income: RM110K above

2. Free Lifetime Annual Fee: No

3. Card required for:  Don't know.

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

5. Interested in CC from: Maybank

6. Others: I don't have a car, just a bike. So petrol might just be around RM100 - RM200 monthly. Never needed a credit card so far, just thought I should have it just in case.

Question regarding cashback cards.

I've gotten CIMB petronas platinum mastercard and been using it for groceries, petrol etc.

I realised that CIMB cash back platinum card is more worth it because of the higher cash back %.

Should I consider getting a 2nd card that is the CIMB cashback platinum card or wiser to keep and only use the Petronas card?

I always pay my card on time, so it's just for the cash back benefits, I'm considering.
1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must .

3. Card required for: List all your needs. Cash Back/ Rebates

4. Existing credit cards (if any): CIMB Petronas Platinum

5. Interested in CC from: CIMB

6. Others: Malaysian. Young Working adult (<5 years working). Always clear CC on time, no incurred finance charges.

Scared bank reject only

Too many credit cards

I see. Meaning if I have multiple cards but most of them have low utilization (approx 10% per card, since i clear payments monthly except those installments which utilizes the credit limit but only can pay monthly).

This utilization is what they're considering (as part of) the evaluation criterion right?

In that sense will consider both Ambank cards (vs the previous retail cashback options) and see which should I go with. Tempted to go with Miles card since that'll give me pretty good coverage overseas (which the spending is in adhoc spikes)

From regulations wise seems like they only have max 2 cards for <36000/annum.

Guys what are the chances for me to get approve in credit card, My basic is 1.8k but this past 3 months I ot 200 to achieved 2k. However, the OT is in cash so it doesn't match with  my bank statement. Any advice?

Yes. I applied for Citibank Simplicity. But one question I wanna ask u guys, I already have Maybank 2 cards, HSBC Visa Platinum & Amanah, CIMB Visa Platinum & Enrich Platinum Master. So does the bank still approve my Citibank? The reason I applied this few banks is cause of their different benefits. But my usage is more on HSBC because of 12 swipe per annual in order to get annual fee free but the rest CC I have is free for life.

1. Annual Income: RM30K to RM36K or

2. Free Lifetime Annual Fee: can have annual fee but waive first few yrs.

3. Card required for: List all your needs. Petrol and grocery.

4. Existing credit cards (if any): ocbc cashflo credit card

5. Interested in CC from: none yet. Applied mbb bt rejected

6. Others: Please be specific.

1. Annual Income: above 150k.

2. Free Lifetime Annual Fee: don't mind.

3. Card required for: Petrol, cash rebate for shopping etc.

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

5. Interested in CC from: none, looking for recommendation

6. Others: Please be specific.

moving back to kl... need some advise on which credit card fits me.

1. Annual Income: 100k-120k

2. Free Lifetime Annual Fee: No annual fee

3. Card required for: AirMiles, Cash Rebate, Airport Lounge

4. Existing credit cards (if any): Cimb enrich platinum & Cimb Cash Rebate Plat

5. Interested in CC from: Citibank - Premier Miles

6. Others: I am not a point person. I prefer cash back or airmiles

Does lounge benefit extend to supplementary cardholder?