>36k p.a
looking for rebate, free bonus and 0% installment
currently interested on hlb master gold and UOB one card.
Any other suggestion/advice ?

Use template on second post. Not sure what you meant by "free bonus".

hahahah okokok ermmm not exactly bonus maybe occasionally free me that free this like movie ticket or concert ticket =P


1. Annual Income: RM36k +

2. Free Lifetime Annual Fee: Free or Minimum 12 Swipe A Year

3. Card required for: Cash Back and 0% or low interest rate on installment

4. Interested in Credit Card from: Any CC that meet the requirement above

Just start off with Maybank2Cards and also PBB Quantum.

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Free or Minimum 12 Swipe A Year

3. Card required for: Cash Back for online transaction for bill payment (TNB, Unifi, Celcom, AIA, Prudential, Umobile)

4. Interested in Credit Card from: Public Bank Visa Signature/Quantum/UOB or any card that can give high % of cashback.


guys for Public Bank Visa Signature annual fee,
is it waived after 12 swipes or 12 transaction?
is it online transaction considered as swipes as well?
thinking to get high % cashback for online transaction but dunno to choose for Quantum or Visa Signature.

already had MBB Ikhwan for Weekend Petrol (5%)
already had MBB FC Barcelona for others (2%)
now looking for Groceries and Online transaction

Yes, online also considered as "swipe".

Choose both Quantum and VS then.

choose both
why didn't i think of this earlier

1. Annual Income: RM60K and below

2. Free Lifetime Annual Fee: Free or 12 Wipe a year

3. Card required for: Cash back

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

5. Interested in CC from: CIMB or Maybank or Public Bank.

what is Maybank Treatpoint?

Maybank loyalty programme.

if debit card, does it have treatpoints as well? if yes, where can I check?

RM 3 for 1TP if I'm not mistaken.
Go to M2U>Rewards

1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: Weekend dining. Free lounge access is a bonus.

4. Existing credit cards (if any): HSBC M-Power Plat.

5. Interested in CC from: Any bank

6. Others: Working in SG. Only use the card during weekends when in JB. Thinking of closing HSBC account, hence looking for new cc.

PBB VS ,PBB quantom mc and Mbb2card

PBB Visa Signature.

1. Annual Income: aroound RM40K

2. Free Lifetime Annual Fee: preferable

3. Card required for: petrol and groceries

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

5. Interested in CC from: any bank

6. Others:

MBB Barcelona VS, MBB 2 Cards, PBB Quantum MC and Visa

MBB 2 Cards and MBB Ikhwan Petronas

which one is better. citibank rewards card or cashback?

Depend on u prefer rewards point or in term of cash return.