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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

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cybpsych
post Jan 27 2024, 10:10 AM

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QUOTE(moto-moto @ Jan 27 2024, 09:44 AM)
Is the affin duo+  visa cashback eligible for insurance and government transaction?
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no for govt

no exclusion for insurance, likely yes
cybpsych
post Feb 21 2024, 03:44 PM

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QUOTE(tkwmm @ Feb 21 2024, 03:41 PM)
Hi My spending normally is around

E-wallet - 2000
Insurance - 300
Car Loan - 600
Shopee - not fix.

Which one is more suitable ya? Public Islamic Bank Visa Platinum / Affin Duo
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ask here
cybpsych
post Mar 3 2024, 05:28 PM

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QUOTE(supaztyler @ Mar 3 2024, 12:13 PM)
ok then, PB it is!
Also, any real difference between VISA vs MC?
These two seems like same
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public ISLAMIC visa vs public ISLAMIC Mastercard

which features you found are the same?
cybpsych
post Mar 4 2024, 09:18 PM

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QUOTE(supaztyler @ Mar 4 2024, 09:08 PM)
the product disclosure also PB Islamic Visa/MC in the same document
so was wondering if there are any real difference?
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are you sure you read it correctly?

share/screenshot how/what you see in the pds
cybpsych
post Apr 1 2024, 07:13 PM

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QUOTE(Ramjade @ Apr 1 2024, 08:09 AM)
1. Annual Income: RM120k

2. Free Lifetime Annual Fee: free lifetime or waive 12x/year

3. Card required for:
(i) purely cashback for petrol but general, not limited to one petrol company. Cashback Sundays -Thusday something like Maybank ikhwan gold 5% cashback without conditions.

Reason for asking Maybank amex seems like not acceptable anymore at petron at my area and petron is the nearest options.

(ii) Cashback for grocery. Giant no longer accept amex.

4. Existing credit cards (if any):
Maybank ikhwan gold
Maybank 2 gold
Maybank ikhwan amex
Public bank visa-i platinum
Public bank MasterCard-i platinum
Affin duo

5. Interested in CC from:
No preferred banks.
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without knowing how much your grocery/petrol spending....

UOB One Classic should work for you.
cybpsych
post Apr 12 2024, 10:14 AM

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QUOTE(aurora97 @ Apr 12 2024, 10:08 AM)
I believe you are referring to Affin Duo+ because the Affin Duo card has a condition that states"*Cash back is not applicable for government services transactions, charity related transactions, payment via JomPAY, online banking, FPX and Mail Order/Telephone Order (MOTO)", so unless you physically plan to go to the merchant (i.e. insurer) to pay or you play to pay with Affin Duo Mastercard, you won't be getting any cashback.

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affin duo visa gives cashback for insurance, manual or auto-debit as well.

affin duo+ visa gives cashback for contactless transactions only. no exclusion to insurance. if you can pay insurance manually at insurance terminal (contactless up to rm250 without PIN), then still eligible for cb under duo+ visa.


exclusions to govt services, charity, jompay/fpx, moto applies to both sets of cards.
cybpsych
post Apr 13 2024, 08:29 PM

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QUOTE(usingtea @ Apr 13 2024, 07:01 PM)
anyone knows whether Maybank Islamic Ikhwan AMEX provide cashback for agoda bookings? Doesnt seem to get it from agoda spending
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transaction date?
posting date?

why did you say "Doesnt seem to get it from agoda spending"? what were your thoughts?

This post has been edited by cybpsych: Apr 13 2024, 08:30 PM
cybpsych
post May 20 2024, 05:16 PM

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QUOTE(DogeGamingPRO @ May 14 2024, 04:13 PM)
Enrich Visa Infinite and Visa Platinum coming soon

user posted image
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QUOTE(aurora97 @ May 20 2024, 05:02 PM)
Any tentative date or some details to share what kind of perks it comes with?!? rclxms.gif
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in Ambank topic
cybpsych
post Jun 9 2024, 09:04 PM

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QUOTE(FinalHistory @ Jun 9 2024, 08:56 PM)
I am totally not aware of both Maybank and Affin having similar promo this year. I am googling them now. Thank you notworthy.gif
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maybank here and affin here
cybpsych
post Jun 23 2024, 05:03 PM

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QUOTE(batman1172 @ Jun 23 2024, 02:15 PM)
Is there such thing as a credit card with a low credit limit? Something like 2 or 3k? Purpose is to use it to buy stuff from the internet which I’m doing more often nowadays. Security concern.
Income: retired
Best if no annual fee.
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call in to request reduction of credit limit after they approved you the cc facility

everyone's allocated cl differs. some get very high, some get very low.
cybpsych
post Jul 15 2024, 01:40 PM

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QUOTE(cybpsych @ Feb 22 2024, 03:08 PM)
QUOTE(dinesh920 @ Jul 15 2024, 11:06 AM)
Btw I did find this new credit card from Bank Mualamat

https://www.muamalat.com.my/card/personal/c...isa-platinum-i/

Feel like can be use for paying bil and getting 8% cashback. Just that u have to go to the post office counter to pay.

Is it a good credit card?
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since Feb already

good if you always make payments or nearby access to POS Office
cybpsych
post Aug 4 2024, 08:19 AM

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QUOTE(kslim888 @ Aug 4 2024, 01:30 AM)
Just curious, how about RHB Shell Visa Credit Card? Will it be giving cashback for the Online Spend category?
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RHB | RHB Shell Visa Credit Card/-i Campaign
cybpsych
post Sep 1 2024, 11:26 AM

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QUOTE(Barricade @ Sep 1 2024, 09:50 AM)
I spent around 2k on groceries every month. I maxed out my UOB one card cashback for groceries and maybank M2U AMEX 5% weekend cashback. Any other card recommendation that can get cashback on groceries shopping?
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cimb-petronas vi ... 1k grocery + 500 PETRONAS, can get 60+60 cb. need filler spend of 2.5k to hit 4k tier

rhb Cashback card.... low cb, easy to hit also

Maybank ikhwan MC.... 1k grocery get 50 cb

rhb shell and shell Islamic ... can get both cards to max 2x (50+50) cb... 1k grocery + 500 shell to get 50+50 cb, each card. need filler spend 1k to hit 2.5k tier.

if just need add-on card while maintain UOB one+m2c amex, then just swing the remaining grocery to Affin Duo+ Visa.... or try get both Uob One classic + platinum


all the above, study the t&c as usual.
cybpsych
post Sep 18 2024, 10:26 AM

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QUOTE(rabbi08 @ Sep 18 2024, 10:17 AM)
Any good card for online purchase?
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many

use template in post #2

a 1-liner text doesnt give us enough info to recommend you any suitable card(s)

eg how much you earn? what card(s) you are having? which bank(s) you prefer? etc


also, there were many recommendations posted in this topic. Have you read through some pages? at least it gives you some points and references as a start.
cybpsych
post Nov 12 2024, 03:10 PM

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QUOTE(ericling @ Nov 12 2024, 02:14 PM)
Hi sifus,

Planning for a travel trip, looking for a credit card which can get high cashback / points for online booking (AirAsia, Agoda, Booking.com, Klook, etc)

Already have MBB Ikhwan AMEX, Affin DUO, and RHB Shell, any other cards good for online purchases?

Considering PBB Visa Signature, but don't quite like PBB because they seem to keep changing their cashback policy..
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can try RHB WMC card, which has dedicated cb for Travel categories and Overseas spending
cybpsych
post Dec 2 2024, 02:55 PM

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QUOTE(lowyat101 @ Dec 2 2024, 02:21 PM)
Hi, wanna check is there any CC with cashback category for online flight booking at AirAsia/MAS website? Other than those "online" categories.

Thanks
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what mcc are those websites?

what descriptions shown in the cc statement? can share some?

This post has been edited by cybpsych: Dec 2 2024, 02:55 PM
cybpsych
post Dec 2 2024, 04:29 PM

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QUOTE(lowyat101 @ Dec 2 2024, 03:05 PM)
From the MCC thread, I see that AirAsia is under MCC 4511. I guess should be similar for the other airlines  hmm.gif

Also see this MCC range of 3000 - 3301 for airlines under AmBank's website.
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3000 series MCC are dedicated for very big chain airlines or hotel and even car rentals.

mostly i see AA and Malaysia Airlines are using MCC 4511

for this, maybe you can try RHB WMC ... it has Travel category with 6% cb tier
cybpsych
post Dec 24 2024, 03:02 PM

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QUOTE(tkyong1 @ Dec 24 2024, 02:55 PM)
Guys,

Mind if i ask question.

If i am under AKPK, but i have plenty of Fixed Deposit with banks, do you think i can get a credit card for oversea travel convenient?
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// AKPK has no objection if the customer wants to apply for new credit facilities. The approval/rejection is at the discretion of the credit provider after carrying out a thorough credit evaluation and assessment. //
cybpsych
post Jan 2 2025, 05:18 PM

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QUOTE(coolguy99 @ Jan 2 2025, 05:10 PM)
Does anyone know which credit card has specific benefit for hotel booking? I am looking at air miles in particular.
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meaning u want to earn airmiles by booking hotel?


cybpsych
post Jan 3 2025, 08:25 AM

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QUOTE(coolguy99 @ Jan 3 2025, 08:08 AM)
Yes I checked Alliance Visa Infinite hotel booking is under online category and is capped at 3k per statement cycle, whereas for Ambank Enrich Visa Infinite is considered as normal retail spending.

Just wondering if there is any better card out there for hotel booking purposes.
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no idea on airmiles earning and redemption.

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