1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Don't mind, as long as the yields are much better.

3. Card required for:
~700 Dining
~300 for online deliveries (weekdays) - Foodpanda/delivereat
~300 for petrol
~5-10k a year for travel ~ average to 1k a month
~4k a year for education ~ average to 300 a month
~1-2k a year for electronics (headphones/monitor/tv/soundbar) ~ random - most of the time lazada/senheng
~200 a month for clothes
~100 a month for groceries/guardian
~800 a year balik kampung (flight)

4. Existing credit cards (if any): maybank ikhwan, cimb rebate

5. Interested in CC from: -

6. Others:
Looking to maximize my earnings
No kids
Don't mind the hassle paying multiple bills.

1. Annual Income: 36k to 48k

2. Free Lifetime Annual Fee: Preferably free

3. Card required for: Monthly insurance premiums (prudential, allianz), bill payments (eg astro, umobile), ewallet topup, online shoping

4. Existing credit cards (if any): CIMB Cash Rebate Platinum Credit Card, HSBC Amanah MPower Platinum Credit Card-i

5. Interested in CC from: no preference

6. Others: My fixed monthly spend is for my insurance, bill payments, & ewallet topup

Would appreciate much for recommendations

1. Annual Income: 60k

2. Free Lifetime Annual Fee: Flexi

3. Card required for: Utilities payment and e wallet top up (around RM4k per month for big pay)

4. Existing credit cards (if any): MBB 2 Card and Barcelona

1. Annual Income: RM66k

2. Free Lifetime Annual Fee: Must (or waived after certain expenses also ok)

3. Card required for: E-wallet, Food deliveries (Grabfood & Foodpanda), Groceries, Online shopping, Bill payment

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

5. Interested in CC from: Maybank (but got rejected once before *sad)

6. Others: CC with best CB benefit as spending on e-wallet, food deliveries, online shopping and groceries quite significant every month. Also looking for CC that might provide 0% instalment for big purchase as eyeing to get a new phone/computer soon. Also preferably CC with 0% balance transfer as planning to cancel my CIMB card (optional, this is not important)

Hey everyone, this time asking for my gf.

1. Annual Income: RM32,000.

2. Free Lifetime Annual Fee: Free

3. Card required for: just to have some credit record, probably petrol (petronas)

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

5. Interested in CC from: have bank accounts in HSBC, Maybank, CIMB, RHB so preferably from one of them.

6. Others: I would suggest MBB2cards to her but would like some other input as well.

Hello everyone.

1. Annual Income: RM 75k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Online shopping/e-wallet/groceries/insurance premiums

4. Existing credit cards (if any): maybank ikhwan islamic(for petrol and weekend groceries)

5. Interested in CC from: none

What's the latest offer for cc now? My online and ewallet spending is getting very significant now lol

You can use Bigpay Mastercard as you already earned CB from CC -> Bigpay.

Consider other e-wallets as well, eg you can use Boost, Grabpay, TNG wallet or ShopeePay to pay some cukai pintu bills at PAM @ Pos Malaysia (POS Automated Machine). Other channels including Razerpay in-app bill payment, Shopee in-app bill payment, TNG wallet in-app bill payment etc.

For Government bills under Sarawak Government, you can use SarawakPay to earn shake cashback.