1. Annual Income: RM200k

2. Free Lifetime Annual Fee: Hopefully yes or can be waive

3. Card required for: usually 2k+ for insurance which is fix, the rest is petrol spending and dining.

4. Existing credit cards (if any): Maybank signature (given to my mum for emergency usage), very old Maybank petronas visa ikhwan platinum, but got no paywave, I don like bring card in my wallet, added all my credit card into samsung pay and use paywave.

5. Interested in CC from: N/A

6. Others: Hopefully got some rebate / benefit for Great Eastern insurance and also support to add into samsung pay

Hi,may I know what are the recommended credit cards for education/ university fee payment?

Thanks for the recommendation. I work in SG most of the time, only back JB to spend my weekend so it is unlikely that it will > RM2500 or RM4000.

My monthly fixed commitment will be GE insurance, and weekend spending mostly on petrol, dinning and grocery, each weekend about RM300 - RM500 spending.

3) HONG LEONG WISE GOLD - RM500

Just canceled my PB visa signature
Have a citibank clear card that uob hasn't changed yet

My regular usage
1. Petrol for 4 cars. Usually shell
2. Shopee and lazada purchases (currently just using fpx)
3. Grab pay for food, car wash, car rides
4. Insurance (prudential and Allianz) via citibank card
5. Hong leong bank home insurance and car installments (currently just using bank transfer)
6. Car maintenance (citibank cc)

Can sifu sifu here advise what card I should get as a backup to my citibank clear (I kept it for the buy1 free 1 coffee bean drink lol)?

I would like to be able to access the premium lounges at klia or destination country when I travel also

Thx!

need to buy a flight ticket at around 4k. currently any cc got promo or best cash back offer?

thanks

SIA, ya KL-LHR, since it's cheaper (except for those with longer transit time) for the travel period.

great, thanks for the info. let me research a bit  :thumbsup:

1. Annual Income: About RM115K

2. Free Lifetime Annual Fee: No (Preferably waiveable)

3. Card required for: Cash back

4. Existing credit cards (if any): MBB AMEX (Maybank 2 Cards) and UOB PRVI Miles Elite

5. Interested in CC from: Any (Preference: Not based on monthly spending / category)

6. Key monthly spendings:
    -  Petrol (Shell): RM200-RM250
    -  TNG reload (food & parking): RM300 - RM400
    -  Utilities (TNB) - RM400- RM500
    -  Telecommunication (Unifi, Maxis & Astro) - RM350

i looked at the card this morning but sadly I can't fulfill the 2.5k spendings per month.

At most I can only reach middle tier and it is just barely an improvement from my current cash back from AMEX 

my TNG reload is mainly for parking (RM200) and food (transfer to individual for lunch box order, not business). I'm not sure if I can use other way to cover this ...

or RHB Shell Visa is the only way ...

Hi seasoned travellers, would appreciate if you can recommend cards for airport Lounge access

1. Annual Income: rm120k gross

2. Free Lifetime Annual Fee: preferably

3. Card required for: Free airport lounge access..

4. Existing credit cards (if any): for Lounge, I'm using Cimb preferred visa infinite, ambank pb vi, alliance vi...
And Cimb vi (non preferred) but I'm looking for a card to replace this Cimb vi bcoz probably will cancel this card because require 100k rm spending to refresh annual allowance - just found out today when trying to access lounge..zzz..

5. Interested in CC from: uob (trying to get the Dragon pass).. Scb (trying to get the 1 frm lounge key)... Willing to explore others

6. Others: apart frm uob and scb, hopefulls sifus can recommend cards that gives fair numbers of airport lounge annually.. 🙏

Thanks ya'll

Problem is I'm more of an low cost carrier guy.. Hahaha.today also kena reject at Klia2 ppl...

1. Annual Income: above RM180K.

2. Free Lifetime Annual Fee: Preferable or waivable with simple requirements.

3. Card required for: Cashback for local spend.

4. Existing credit cards (if any): Maybank 2 Cards Platinum (Amex/MC), UOB PRVI Miles Elite (MC)

5. Interested in CC from: Any Visa.

6. Others: Preferably supporting Apple Pay. Average CC monthly spend RM5K-RM6K for Dining, Groceries, Utilities, Insurance, Online Purchases, Petrol.

Thank you!

Morning everyone.

Annual Income: RM40k

1. Annual Fee: Preferably no fee, but open to options

2. Card required for:
- monthly groceries Rm300 to rm400. Normally spend at NSK, AEON and 99 speedmart
  *NSK, I use CIMB Cash rebate platinum
  *Aeon, if weekend use Maybank gold Amex. Weekday use CIMB cash rebate card
  *99, same as aeon
- petrol around Rm300 per month. Use Maybank Petronas Ikhwan Visa
- U mobile rm80 per month. Using Maybank Amex
- Shoppee / Lazada occasional groceries purchase
- Water, tnb, unifi, and iwk. Total around Rm400 monthly. Searching for card that can give cashback for this if there exist
- Other: Insurance, Car maintenance, restoran, etc

3. Existing credit cards (if any):
- CIMB Cash Rebate Platinum MC
- Maybank Petronas Ikhwan Visa
- Maybank Gold Duo, MC and Amex

5. Interested in CC from: Any

6. Others: Cashback card preferable. MC, Visa and Amex

Can someone suggest better card for my application or maybe card to consolidate for all my spending? Something like 1 or 2 card to get all Cashback. Feels like a hassle holding all this 4 card.

Can you quality for it? They want RM40k in salary.
Maybank ikhwa  amex doesn't give you cashback for insurance.

Does online spend includes e wallet reload?

Eh for insurance need auto debit then only got cashback? If pay manual how ya?

PLEASE HELP TOTAL CC NEWBIE

1. Annual Income: RRM120K to RM160K

2. Free Lifetime Annual Fee: Preferably.

3. Card required for: Would need the card mostly just for expensive purchases/ Taobao big orders/ topup ShopeePay & TnGo/ parents grocery/ petrol/ bills.

4. Existing credit cards (if any): No.

5. Interested in CC from: Maybank.

6. Others: Fly for work sometimes so having a card that provides flight insurance + points is preferred.


I'm thinking of Maybank 2 Platinum card atm, because I rarely use CC and the travel insurance sounds useful.
RM25 SST is fine but is it possible to get only the VISA card and not AMEX?

Maybank ikhwan amex
Public bank visa signature
Affin duo visa cashback

Some say UOB one is good card.

That's the only good card

Really? Sure got hidden terms and conditions or min spending right?

For Agoda, Booking.com and Klook (online travel portals), i think most credit card have some form of promotions with them but you really need to look into the fine print. For instance, they may say 18% cash back but in reality the cash back is to booking.com's ewallet (which is annoying), 20% discount on published price but capped at RM 80 per booking or campaign is dedicated to either VISA or Mastercard only.

Couple of questions to consider:
1. do you want cashback or points?

2.
(i) if you want cashback, are you currently fully utilizing your cashback? Like you manage to meet the spend limit and hit the monthly cap of RM 15 or 30?
- AMBank CashRebate Platinum Visa
up o 8% cashback for online, groceries and pharmacy subject to monthly spend. Other spend, you earn 0.1% with no cap.

- RHB Visa Signature
up to 6% cashback for online, entertainment and shopping but each category capped at RM 30. Other category cashback is fixed at 0.20% with no cap. Cashback rate differ depending on monthly spend. x6 complimentary lounge access

- HL Wise Card
up to 8% cashback (weekends only) and 1% (weekday) for online, groceries, petrol and dinning subject to RM 15 per category and min monthly spend of RM 500. Otherwise, 0.25% for other spend or if you do not achieve RM 500 min spend.