What is the best credit card for annual income of 300k MYR?

Affin bank seems to have 0% FPP right now till June 2025.
But I am not sure whether college fees count as "retail transaction" stated in t&c.

Hello everybody, currently, is there any credit card issuers not charging Dynamic Currency Conversion fee (fee for payment by using Ringgit Malaysia when payment gateway is in overseas)?

Thank you! I actually own credit cards issued by two of the financial institutions listed under "Banks which doesn't charge" in first post of that thread. Previously, long time ago, I got charged DCC fee. But, I forgot which card.

But, I decided to try again. Today, I changed one of my Google Play subscriptions to use credit card. The next payment due date is in next few days. I will give update in that thread if I got charged for DCC again.

Bank Islam Visa Platinum seems nice, and no see any insurance in the excluded list, so maybe insurance still eligible for the cash back. Thanks for the recommendation.

1. Annual Income: Above RM100K

2. Free Lifetime Annual Fee: Preferably no. If has annual, should have a waiver clause.

3. Card required for: Cash Back, Lounge Access, Apple Pay support

4. Existing credit cards (if any): HSBC Premier World MC, MBB FC Barcelona Visa

5. Interested in CC from: Any bank - as long as it meets the card requirements

6. Others: Must support Apple Pay. Rewards/Miles not necessary.

i dont get this.. whats the point of increasing the cb% if the max CB stay the same.. might as well get gold instead of plat/infinite...

if considering cash back only,
unless the monthly minimum spend RM 500 cannot be achieved, the platinum would be optimal choice
3% cash back: gold minimum spend RM 1,000; platinum minimum RM 500
the 5% on infinite is kind of meaningless when the cap is RM 30

not sure if they come in pairs/dual (visa + mastercard) such as MBB/Affin or whether 1 can be cancelled like PBB

Maybank Visa Signature 5% cb everyday for petrol and grocery cap at RM88

Hi all, for time broadband.
I have cimbprtronas  vi
Rhb shell
Mbb 2 Amex gold
HSBC live+
Any procedure to pay in order bill?

Aren't MBB 2 Card Amex have updated their weekend cash back, preventing us from using it for utilities

Quoted from MBB website:
Effective 1st June 2019, 5% Cash Back for all purchases (except for government bodies and utilities) on weekends (capped at RM50 per month)

or paying through Lazada bypasses that?

Hello sifus, I currently have Maybank Ikhwan Plat Amex Credit, Maybank Cashback Gold Amex Credit, and Maybank FC Barca Plat Visa Credit.

My monthly spending is around RM 4.5K, my 6-month median cashback:
1. From the Ikhwan Plat Amex - RM 50 a month
2. From the Cashback Gold Amex - RM 29 a month
3. From the FCBarca Plat Visa - RM 11 a month

Do I start optimising for airmiles at this spend level - assuming I fly overseas 1-2 times a year; one of those to Africa (usually Johannesburg, SA) via Emirates, the other a random holiday with no set airline (I'd stick to one airline if my CC gives miles for it) - or just stick to cashback? Therefore, should I continue keeping these 3, or are there other options that would be better? (Eg. Consolidating / switching to a different card)

What card best to use. Pay insurance lump sum 50k… cashback all capped

Most points all very low for insurance e.g. 1 point for RM1 @ Maybank.

But it seems there’s nothing better than Maybank VI.

It looks like all cards are getting nerfed.

My go-to was:

1. RHB Shell Visa - RM100
2. HLB Wise - RM55
3. Maybank Ikhwan Amex - RM50

Can easily get RM200 cashback per month.

My spending is "real", no e-wallet filler. But I do use Spaylater to maximize cashback for most groceries/dining spend.

Spend around RM4k per month across groceries, insurance, condo maintenance, petrol, Shopee/Lazada, dining and misc retail spending.

What's the best card to replace the RHB Shell Visa?

I've been seriously considering UOB One Platinum, however their groceries cashback is limited to selected merchants that I do not shop at. Also I don't use Grab/Grabpay at the moment.

It seems that after the introducing of e-wallets and new era, seldom people use credit card now?

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

After being so outdated in cc cashback, i'm here to seek opinions on my existing cards.

Annual Income: > RM 100k

Free Lifetime Annual Fee: Waivable is acceptable

Card required for: Online shopping (90% spaylater), ewallets topup, dining, petrol

Looking for: Cashback, not into air miles

Existing credit cards (if any):
1) MBB M2 Amex - 5% on weekend max RM50
2) MBB Amex Ikhwan - 8% online (mainly spaylater) max RM50
3) MBB FCB VS - 1% (mainly insurance auto debit, around 4-5k/yr, enough to cover tax and earn little  )
4) Aeon Big Visa Gold - 2% online max RM15
5) PBB Islamic Visa - 2% online max RM15 (planning to cancel b4 next anniversary)
6) PBB Quantum Master (mainly for PBB promo, enough to cover tax)
7) PBB Visa Signature - 2% online max RM30
8) UOB One Master and Visa - Grab reload, petrol, dining (RM30 per month each but going to cancel b4 next anniversary due to AF)

Any recommendation to replace my cards (especially #3, #5 and #8) above based on same spending pattern? TIA 

Same je with ambank.. 3%

May consider this new Muamalat EON Visa Infinite-i Look nice

apply at branch? because i tried website cannot select eon vs