Maybank Ikhwan Amex 8% cb has very good ROI.
Affin Duo+ Visa 3% cb capped at RM50 on contactless transactions is flexible.
Adding Bank Islam Visa Platinum-i 3% cb capped at RM30 on online, auto-billing, grocery, dining should cover all your bases.

It's hard to find 2 cards that cover all your needs.
Maybe consider RHB Shell Visa 12% cb on Shell capped at RM50, 5% cb on e-wallet, online, groceries, utilities capped at RM50, min spend RM2500. (effective 4% cb)

UOB One Classic used to be THE recommendation for your use case. But it apparently was not open for new application anymore.

From Maybank, consider:
Maybank Islamic Petronas Ikhwan Visa Gold - 8% cb for spending at PETRONAS stations on Saturday & Sunday and 1% cb for spending at PETRONAS stations from Monday till Friday, capped at RM50 per month
Maybank Islamic Ikhwan Mastercard Gold - 5% cb on petrol and groceries on Friday and Saturday, capped at RM50 per month
Maybank 2 Gold - Amex 5% cb for all purchases (except for government bodies and utilities) on weekends, capped at RM50 per month

Consider:
Affin DUO+, Affin DUO, Bank Islam Visa Platinum-i, RHB Shell Visa.

Read the terms and conditions

https://www.bankislam.com/wp-content/upload...ACK-PROGRAM.pdf

I can't confirm as I charge my insurance premium and Nirvana installment to Alliance VS.

This post has been edited by nexus2238: Apr 17 2025, 08:37 AM

Not duo, can apply for Bank Islam Visa Platinum-i only.

I am still figuring out the cycle of Bank Islam cb.

For example, statement dated 25th Feb. Then cb for Feb (in statement it says "Cash Back for Card xxxx - Feb") will show up in mobile app on 10th March.
For any month, I have yet to charge anything after statement date (eg 26 - 31st Jan, 26 - 28th Feb), so till today I still don't know if cb follow statement date or calendar date
But I do get full RM30 cb for RM1K spend, so no complaint.

Yes, I also find Bank Islam CS less than ideal.
During application, they never asked how high credit limit I wanted to apply.
They gave me > RM100K credit limit, which is 2.5x my monthly salary.
So I asked CS how to reduce credit limit. And they said must download a form, fill it up and submit to a branch
So I did all that > 1 month ago to reduce to RM10K. Till today still no action from them
Call CS, also blur.
One of this day, when I am around Jalan Raja Laut, I'm going to go to their HQ and sort it out.

This post has been edited by nexus2238: Apr 18 2025, 02:44 PM

Yes. March statement on 25th March. Received RM30 cb for March on 10th April.

Luckily working for MNC.

I have a few cb cc. Affin DUO+, Alliance VS, Bank Islam Visa Platinum, Maybank 2C, RHB Shell Visa - for local spends cb, I keep credit limit low like RM10K.

Bank Rakyat Explorer (hotel), BSN Visa Cash Back (other overseas spend) - for business trip overseas spends cb, credit limit higher like RM30K as expense re-imbursement from company take time to process. I charge around RM10K combined on these 2 cards every month.

Only Ambank VI which I keep for lounge access and personal emergency has high limit.

For cash back, consider:
RHB Shell Visa - 12% cb for Shell capped at RM50; 5% cb for online, e-wallet, utilities, groceries capped at RM50; min spend RM2500. Effective 4% cb.
Maybank Islamic Ikhwan Amex - 8% cb for online spend capped at RM50. Use Posonline / Kiosk > SPLater > Amex to pay bills and get cb.

For AirMiles, consider:
HL Visa Infinite - automatic RM3.50 local retail spend for 1 Enrich Mile, RM2.20 equivalent overseas retail spends for 1 Enrich Mile. 4x p.a. access to PPL in MY and SG.
Maybe kids school bills go here, as I am not sure about cards with good cb for education fees.

Consider AmBank Enrich Visa Infinite - RM1 overseas spend for 1 Enrich pts, RM4 local spend for 1 Enrich pts, unlimited access to MAS lounge, RM500 annual fee waived with RM100k spend p.a.

Update to those interested in Bank Islam Visa Platinum.

Confirmed cb calculation is based on calendar month.

My example:
Last statement: 25/3/2025
26/3 to 9/4 - RM0 spent
10/4 cb for month of March
10/4 to 24/4 - RM375.72 spent
25/4/2025 - statement balance RM375.72
26/4 - 30/4 - RM388.65 spent
1/5 -9/5 - RM599.71 spent

10/5 - cb for month of Apr - RM22.93 = (RM375.72 + 388.65) * 3%

This post has been edited by nexus2238: May 13 2025, 01:03 PM

Yes, I remember I need to submit forms and do thumb print (MyKad verification) in branch.

iirc, whole thing took close to 1 month. Apparently they tried to contact my company HR via phone to confirm my employment status but nobody picked up.
At the end, I had to request employment confirmation letter via my company HR website, then forwarded that letter to Bank Islam, then Bank Islam confirmed with my HR again via email (there must be better way to do this right? )

So it took 3 weeks from the date I submitted application till I receive SMS stating my application was successful. Then close to another week for Bank Islam to send the card to branch for me to collect.

Also cc statement is only available via email now. Can download statement from website and phone app only from July 2025 onwards.

This post has been edited by nexus2238: May 15 2025, 01:40 PM

The Affin DUO+ that you have basically give 3% cb for any contactless right?

Or you can consider this for low min spend:
Bank Islamic Visa Platinum - 3% cb capped at RM30 per calendar month for online, auto billings, grocery and dining, min spend RM500 per calendar month,

Affin DUO 3% cb, cap at RM30
Alliance VS RM55.5 cb @ 1.85% reload RM3k to e-wallet

For Bank Islam Visa Platinum, I can confirm SPayLater entitled for cb.
Never try ewallet reload with this card.

This post has been edited by nexus2238: Jul 14 2025, 09:56 AM

Based on effective cb rate, Aeon Platinum @ 2% is higher than Alliance VS @ 1.85%.
Alliance VS has the advantage of being very flexible with hardly any restriction. Eg. It gives cb for JomPay, Atome, etc.

This post has been edited by nexus2238: Jul 15 2025, 08:40 AM

As soon as cb terms of RHB Shell was revised, I applied for UOB One Platinum. Now waiting to collect card.

For local spend, my cb line up are:
Maybank Ikhwan Amex - RM50 cb @ 8% spend RM625
Maybank 2C Amex - RM50 cb @ 5% spend RM1000
Affin DUO+ - RM50 cb @ 3% spend RM1667
Bank Islam Platinum - RM30 cb @ 3% spend RM1000
Alliance VS - RM55.5 cb @ 1.85% spend RM3000
(New) UOB One Platinum - RM60 cb @ 4% spend RM1500

total is RM295.5 cb @ 3.36% spend RM8792. alright lah

Can.

No, ewallet top up is not eligible for cb for MBB Amex cc.

For both MBB Ikhwan Amex and MBB 2C Amex, I use a lot of SPayLater.
Eg Utilities bills > POS online or POS Automated Machine (PAM) > SPayLater > Amex.
Eg Eateries that don't accept cc but accept Shopee Pay > SPayLater > Amex.

Collected my UOB One Platinum.
Now I know why people said UOB give high CL. I get 5x gross monthly salary

This post has been edited by nexus2238: Jul 16 2025, 07:28 PM