After looking through some of the cashback cards, i think that these cards will suit my need:
Standard Chartered Platinum Cashback Card: for online purchasing, tech stuff etc, and utilities bill.
Citi Cashback Card: petrol, dining, groceries, grab.
Any opinions on it? Any other better recommendations?

This post has been edited by THEswordmaster: Jun 29 2018, 10:54 AM

follow template in post #2

there are reasons for the template. we do not know what you have, what you use for/how much, etc


we can recommend 101 cards toyou, but probably all would not be applcable to you as well.

1. Annual Income: RM60K to RM100K
2. Free Lifetime Annual Fee: Optional, prefer free.
3. Card required for: cashback, Petrol, online purchasing, tech stuff, dining, groceries. Optional: utilities
4. Existing credit cards (if any): Nil
5. Interested in CC from: Standard Chartered Platinum Cashback Card and Citi Cashback Card
6. Mostly used for online purchasing, dining and petrol

This post has been edited by THEswordmaster: Jun 29 2018, 07:48 PM

personally, i would go for cashback, cause reward points can just depreciate 25% with just a notice, like what is happening to Maybank now.

1. Annual Income: RM100K to RM150K.

2. Free Lifetime Annual Fee: Preferably but not a must.

3. Card required for: Petrol, Cash Back, Dining.

4. Existing credit cards (if any): Maybank 2 Platinum, SCB World miles.

5. Interested in CC from: Any.

6. Others: Mainly looking for another CC to cover cash back and other rewards.

PBB Quantum 2Cards or PBB VS, MBB FC Barcelona VS

MBB 2Cards or MBB FC Barcelona, PBB VS or PBB Q2 Cards

Hi guys. I've a question.

Let's say I'm a supplementary card holder for MB 2 Cards, if I'd want to convert to a principal card holder, would that be possible?

Albeit with all requirements met.

Not possible. You need submit fresh new application like normal. Bank need to check your CCRIS profile too. Because supp card not appeared in CCRIS though.

1. Annual Income: xxxx

2. Free Lifetime Annual Fee: A Must with no strings / easy strings (1 swipe per month; or 12 swipes per year)

3. Card required for: AirMiles + Overseas Transactions + "Others Category" local transaction for huge one-time purchases

4. Existing credit cards (if any):
sorted by usage. Preferred cards marked with asterisks (*)

1. (*)Maybank 2 Platinum Card
2. (*)Public Bank Visa Signature Card
3. (*)Public Bank Quantum Master Card
4. (*)Maybank FCB Visa Signature Card
5. HSBC Visa Signature Card
6. Ambank World Master Card - used to be my favourite overseas miles card
7. Ambank Visa Infinite Card
8. CIMB Lazada Prepaid Card - only use for small purchases to maximise extra cashback. promo ending soon so gonna collect dust.
9. RHB Visa Signature Card - just keeping for its CL / potential BT
10. CIMB Cash Rebate Platinum Card - just keeping for its CL / potential BT
11. StandChart Visa Platinum Card - applied due to free gifts - waiting to past the '6~9 months' period to terminate

5. Interested in CC from: Nothing In Mind - most are either worse/on par with Ambank WMC/VI or too much strings.

6. Others: With the Ambank WMC/VI combo being devalued on May, is there any better alternatives for miles card? M2C Premier looks the best right now but I'm not confident with its annual fee waiver requirement - don't think I can hit it unless during peak business travel years (gone down in past 18 months)

This post has been edited by polarzbearz: Jun 30 2018, 11:34 PM

I see. So if I were to apply right, when successful, would my current supp. card be automatically deactivated?

Nope, it won't. You can hold both at the same time.

All clear now. Thanks!

Hi guys, any recommendation for me? Many thanks in advance.

1. Annual Income: Oversea income.

2. Free Lifetime Annual Fee: Preferable free.

3. Card required for: Retail and Online shopping such as IKEA or furniture shops and Lazada etc.

4. Existing credit cards (if any): N/A. Used to have Citibank Plat Reward card.

5. Interested in CC from: I wanted to link internet banking to CC for convenient so prefer CIMB, Citibank or HLB. Will consider if there is something better.

6. Others: Malaysian working in SG. Taking up CC for new house reno, deco and etc. Transaction will be huge over few months and subsequently with utilities i.e. internet, TNB and etc.

This post has been edited by WallChecker: Jul 1 2018, 06:31 PM

any better cashback credit card besides cimb? it says 5%cashback only, but my fren told me , the reality is not tat... like being cheated or smtg...

read the features carefully, read the T&C carefully. dont assume from what your friend told you.

follow template in post #2, here so that users can recommend properly.

Hello

1. Annual Income: > RM200K

2. Free Lifetime Annual Fee: Not necessary but the lesser the cost the better it is.

3. Card required for:

Monthly expenses
1. Astro - RM 140
2. Maxis - RM 170
3. Petrol - RM 500
4. TNB - RM 350
5. Water - RM 100
6. Monthly hospital follow up - RM 450
7. Medicine bought at pharmacy - RM 1000
8. Dining - RM150
9. Groceries - RM 300

Annual expenses
Flight tickets - RM 25000/year
Hotel stays - RM 8000/year
Overseas retail transaction - RM 18000/year


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

5. Interested in CC from:
Not sure. Currently thinking of HLB Wise Gold to get RM100 cashback every month by choosing the Utilities and Petrol options to cover the monthly expenses. I will also apply for 1 supplementary card thus a bit reluctant with the high AF related with HLB Wise. At the same time thinking of getting PB Visa Signature as the second card to cover the "annual expenses"

1. I am a frequent traveler. Platinum on Enrich FFP. Therefore NOT LOOKING for airport lounge access.
2. NOT INTERESTED in reward points as i think most credit card offers lousy or uninteresting items.
2. I am looking mostly on Cashback card to reduce or somehow offset the expenses.
3. Alternative is to get the most airlines miles which can somehow help me reduce my flight tickets costs.
4. Not interested with Maybank 2 Cards Premier as I've tried to apply it 6 months ago and they asked me to deposit RM30K as collateral without giving any dividends which I am not keen to do it. Then I stopped searching for credit card to prevent unnecessary damage to credit rating.
5. I am interested to have only 1 credit card but may consider 2 at most. Too many credit cards is too hard to manage and may likely give bad impression on credit rating.


I welcome suggestion of single card or any card combination that suits me the best.


Thanks in advance

You have many cards can apply, for e.g. PBB VS, Maybank2Cards, SCB Cash Back Plat, Maybank FCB Visa Signature.

I'm just curious why Maybank wanted you to deposit 30k, isn't it supposed to be FD? Moreover, I don't understand why since you have income.

Most likely due to foreign income without previous commitment and tax information in Malaysia.
Thanks for the suggestion. Will look more into your recommendations.

this you dont say i also know la.........

*smack head*