1. Annual Income: 60-62k

2. Free Lifetime Annual Fee: yes

3. Card required for: cash back

4. Existing credit cards (if any): maybank visa petronas

5. Interested in CC from: Citibank nil

6. Others: prefer cash back than rewards.

1. Annual Income: RM48k (current) RM144k (after 3 months december 2018)

2. Free Lifetime Annual Fee: Prefer waiver / free / minimum swipe

3. Card required for: List all your needs. Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions,

4. Existing credit cards (if any): HSBC amanah

5. Interested in CC from: cincai

6. Others: I need 2 cards , 1 for cash back , paying insurance , and bills in malaysia , 1 more for when i work overseas for the juicy air miles i will be collecting.
for cash back card preferably can swipe for beer/bar payment . I made the mistake of using a card that does not allow payment for non halal stuff when i only bring enough cash for grab car. Ended up calling friends to help pay for me . kantoi .
I tried for maybank barcelona but i dont know why they rejected my application whereas citibank and uob kept offering me cards. 6 months prior to maybank barcelona application i already cancel all my citibank and uob cards to make my ccriss better. Total 3 card canceled. Only left hsbc amanah now.
Maybank more picky?

To pledge your FD to apply for a credit card without income documents (Maybank):
5k for Gold.
10k for Plat.
20k for VS.
30k for VI.

1. Annual Income: 30k

2. Free Lifetime Annual Fee: yes

3. Card required for: cash back for e-shopping (lazada, shopee)

4. Existing credit cards (if any): n/a

5. Interested in CC from:

6. Others: prefer islamic credit card.

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access

4. Existing credit cards (if any): AEON visa classic

5. Interested in CC from: Singapore Airlines KrisFlyer American Express® Gold OR  RHB PLATINUM CREDIT CARD

6. Others: Please be specific. Example: I want to collect airmiles from my spending and also cashback if applicable

1. Annual Income: RM48k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cashback, online transaction, groceries, bills, lazada/shopee etc. installments.

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

5. Interested in CC from: n/a

6. Others: Just started working. Please recommend if any bank accept one month payslip

1. Annual Income: 60k

2. Free Lifetime Annual Fee: yes

3. Card required for: PTPTN, hire purchase loan, bills, groceries, petrol. Good if can access to Plaza Premium Lounge KLIA2.

4. Existing credit cards (if any): n/a

5. Interested in CC from: n/a

6. Others: Other cash back or high reward point to exchange for gift. Possible to get a few CC to cover benefit above?

RHB Islamic Smart Value Credit Card-i
https://www.rhbgroup.com/products-and-servi...e-credit-card-i

Maybank 2Cards

AND,
You may Upgrade Your Aeon Classic to Aeon Gold to enjoy 3x  FREE access to Plaza Premium Lounge nationwide.
https://www.aeoncredit.com.my/aeon-cards/ae...-visa-gold-card

Thanks but may i know is there any other cc offer the same thing but free anual fee?

thanks in advance.

1. Annual Income: 74k

2. Free Lifetime Annual Fee: Yes

3. Card required for: (Often) Hotel & Flight online booking > dining (mostly oversea) > online shopping > petrol > departmental (occasionally)

4. Existing credit cards (if any): Maybank 2 Platinum Card, Maybank FC Barcelona Visa Signature, PETRONAS Maybank Platinum Visa

5. Interested in CC from: Maybank Visa Signature, PB Quantum

6. Others:

Prefer visa/mastercard due to many places of my business trip don't accept amex (My FC Barcelona's cash back quota always maxed out, and i'm forced to use Maybank 2 Master Card which only earn 1 treatpoints per RM 1)
If rewards, prefer Maybank so that i can accumulate all points at the same account, other bank may be considered if the benefits are good

If Islamic Card I don't think got any other with the same benefit besides RHB Smart Value.

Other Islamic CC
i) Maybank Ikhwan CC (Free for Life)
ii) HSBC Amanah Credit Card-i (Fee waiver subject to 12x Swipes p.a)

However,  its may not suited your need or you got to have higher Income  to get these Card.

if i were to neglect islamic cc, which cc can give me the best cb for online shopping (lazada, shopee & etc) and free anual fee?

thank you

if i were to neglect islamic cc, which cc can give me the best cb for online shopping (lazada, shopee & etc) and free anual fee?

thank you

PBB Quantum 2Cards or PBB Visa Signature (AF waived with 12 swipes per year)

I believe U will  need higher Income requirements to get either these 2 Cards.
PBB Quantum 2 Cards - min. Income requirement RM36,000 p.a
PBB Visa Signature - min. Income requirement RM 80,000 p.a

Or You can try Other...
HLB Essential or  Alliance You:nique or SCB Cash-Back Plat. MC

His annual income is 74k p.a

No problem for PBB Quantum 2 Cards.
A little tougher for PBB Visa Signature.

FYI, Citibank Never got any Appealing or Good enough Free for life cash back CC, so far... 

Citi Simplicity+ Card

*10% interest back
*No late payment charge
*No over limit fee
*NO annual fee
https://www.citibank.com.my/english/credit-...CCU7XENCCINCALM
MBB FC Barcelona VS.

IF You really desperately Needed, you can use FD Pledging for the Card. 

Place FD in a particular bank and apply for credit card. There are a few banks that accept FD pledging ie, MBB, HLB, PBB, Ambank etc...

http://48smart.blogspot.com/2013/02/how-to...rd-without.html

thanks for the reply , what about air miles ? I will be traveling to and fro china for alotta times.