1. Annual Income: RM102k

2. Free Lifetime Annual Fee: waiver will be a bonus

3. Card required for: Cashback
Groceries
Online spending
Ewallet
Petrol - high priority

4. Existing credit cards (if any): affin duo, hlb wise, pb islamic visa&mastercard

5. Interested in CC from: uob one or any good cashback cc from maybank?

6. Others: maybank cc preferable

Hi, need suggestion

1. Annual Income: RM80000

2. Free Lifetime Annual Fee: Preferable, unless able to call and waive

3. Card required for: Cashback

4. Existing credit cards (if any): Maybank Ikhwan, Uob one  Rhb world master

5. Interested in CC from: Any banks

6. Others ;

Spending on monthly as below

Petrol Rm100 -Rm150
Grab Rm150 - Rm250
Grocery Rm400 - Rm 800

Hi sifus, looking for credit card for airport lounge access.

1. Annual Income: RM112k

2. Free Lifetime Annual Fee: as long as can call to waive is good enough

3. Card required for: airport lounge access (KLIA2 more than KLIA1)

4. Existing credit cards (if any): AFFIN VISA cashback, HLB sutera platinum, PBB visa quantum,

5. Interested in CC from: no preference

6. Others: any extra benefits are welcome.
I heard from my friends Plaza Premium Lounge is like pasar malam now so better to take cards with their own lounges. 

I've been looking at these 2 now:

UOB PRVI Miles Elite Card

- 8x lounge access
- free ride home from KLIA1 with 3 overseas transactions
- UOB lounge
- 300k travel insurance

CIMB Travel World Credit Card

- 12x lounge access with minimum quarterly spend
- 4D3N stay at Anantara
- CIMB lounge
- 1M travel insurance

Wondering if any sifus have both and got prefer one over the other?

Or are there any better suggestion CC that I'm missing out on?

Thanks in advance all!

1. Annual Income: Shall be no issue to get any bank cc.

2. Free Lifetime Annual Fee: Must, waive by either spend amount/ number of swipes.

3. Card required for: 1) Going to spend on new house appliances/furniture. 2) Often go to Overseas for Company Business trip, mainly pay for hotels/meals (not flight ticket)

4. Existing credit cards (if any): PBB VS, PIBB VP, AF CB, AF CB Plus, Mb2cards

5. Interested in CC from: Any Bank

6. Others: Suggest cards that either to maximize Cashback (shall be not useful for me case, since capped at RM30/RM50 per month), i think suggest me cards that can earn alot of Points for miles/ gift redemption

I got charged 1% when i purchased air ticket from singapore airline. The bank claimed its administrative fee, but administrative fee only applicable for debit card or am i wrong?

When search online, there is a 1% charges when there is conversion involved. When i paid for my ticket it shows in ringgit and I received the sms stating that i paid the exact amount. However when i view it in the statement it is 1% higher than the amount shown in the sms i received.

The thing is, when my dad bought the same ticket using his card there is no 1%. Both using the same bank but different card.  :confused:  :confused:

Both CIMB, 1 got charged 1% 1 didnt.

Hi there, looking for a recommendation for credit card.

Annual income : 100k
Existing credit card : Maybank 2 card amex/visa, maybank ikhwan amex, affin duo
Main purpose : Cashback

Currently maxing out all credit card cashbacks
M2Amex - RM 50 (RM 1k spending , 5%)
Maybank Ikhwan Amex - RM 50 (RM 625 spending , 8%)
Affin duo - RM 50 (RM 1666.66 spending , 3%, with statement RM 3050 using BT)

After discovering the wonders of using Spaylater to maximize cashback, have been able to maximize all 3 cashback rewards.

My spendings per month is enough to get max cashback for all 3 cards, but i find that i have extra about RM 500- 1k (Varies every month depending on spending) every month that goes wasted as i cant get anymore cashback.

Can any sifu recommend a card where i can put that extra spending to get cashback?
The spending would be label as online as now i usually put all spendings into Spaylater.

Preferably a card that does not have minimum spending amount to get cashback as may not be able to consistently spend that amount each month eg. RHB Shell (minimum RM 2.5k spending for 5%)

If i top up shopeepay RM 2.5k to pay off spaylater,  then it defeats the purpose of using spaylater to use both my Amex cards.
Only reason i use spaylater is so that i can get cashback for my Amex cards as alot of merchants dont accept amex

Affin Duo - what i do right now is my insurance auto debits are all there, total RM 1.7k, then the balance of 1.3k+ i use their 0% Balance transfer to transfer both my amex card to the affin duo card so i can reach RM 3k+ statement. Win-Win situation to maximize cashback without extra spending

Since benefits for RHB Shell had been nerfed, is there any replacement card for Shell petrol cash back, preferably with free annual fee?

Annual Income: > RM 200k

Free Lifetime Annual Fee: Waivable is acceptable

Card required for: Online shopping (Taobao, Lazada top-ups), dining, monthly spend around RM8K–12K

Existing credit cards (if any): Maybank 2 Platinum

Interested in CC from: Preferably premium looking (black + gold), better rebate than M2Card

Others: Working for local Sdn Bhd, only 3 months salary history, want a cool/premium looking card

1. Annual Income: RM 60k

2. Free Lifetime Annual Fee: Yes, or rewards > annual fees paid

3. Card required for: (i) reward points, spend RM 25k on SPayLater

4. Existing credit cards (if any):
HSBC onetravel (roadshow sign this to me)
MBB barcelona (max cb)
RHB shell (max cb)
AMbank true visa (max cb)
5. Interested in CC from: any cards that can max reward from RM 25k spending

Thank you

Wow, i got my cards today. But I m a bit confused, so the 5% cashback on weekend (all spending right?) and 5x treat points on weekdays, both on amex card? so the gold master one basically useless is it?

what if i dont activate the mastercard?

and for Amex, I should get CB from spaylater too right if I spend on weekends

hmm, I just activated the amex one and mastercard there says pending activation. oh well.

Oh, I can just spend RM1000 on weekends to get the RM50, then the remaining rm25000 on weekdays for the TP

1. Annual Income: Enough

2. Free Lifetime Annual Fee: A Must

3. Card required for: Mainly cashback for Petronas and also all other spendings

4. Existing credit cards (if any): RHB Shell ... been using this all the while and getting 100+ cashbacks every month but stupid shell app cannot use Budi so forced to change to SETEL

5. Interested in CC from: Any

6. Others: N/A

1. Annual Income: RM200k above

2. Free Lifetime Annual Fee: Preferable but waivable with minimum spending is ok too.

3. Card required for: Collecting points/rewards

4. Existing credit cards (if any): Maybank 2 Visa + Amex Platinum, AmBank Enrich VISA Infinite.

5. Interested in CC from: Any

6. Others: Not really looking for anything specific, just want to get some good rewards from my spending