1. Annual Income: RM60K to RM70K

2. Free Lifetime Annual Fee: No

3. Card required for: List all your needs.
- Free KLIA2 Premium Lounge Access
- Travel coverage (Travel insurance, flight delay, flight cancel, luggage missing, etc)

4. Existing credit cards (if any):
- Maybank 2 Cards Gold
- Maybank Al-Ikhwan Gold
- CIMB Cash Back Platinum
- Standard Chartered Cash Back Platinum

[Previously owned and cancelled]
- UOB VOX
- Citibank Cash Back

5. Interested in CC from:
- Aeon Big Visa Gold
- Citibank Platinum Visa
-> this only stated for KLIA but I will be going to KLIA2

6. Others: Please be specific.
- I will be going to KLIA 2
- I just want to try the premium lounge, never been in it nor have any chance for it.

As suggested earlier, AEON Gold, AEON BiG Gold and AmBank Plat for PPL access - KLIA, KLIA2 and other domestic PPLs. AmBank has some overseas PPLs too.

For insurance, I can only think of upgrading your M2Cards Gold to Plat as it gives travel insurance but you have to charge your ticket purchase to this card. Anyway, I don't depend on their free insurance, it is limited coverage. If I'm travelling on leisure, I will purchase my own travel insurance.

Too bad I did not charge my ticket purchase to the card. I will get Aeon Big Visa Gold. Seems to serve my purpose.


I found the below I will keep this in my view for future travels
AmBank PPL

Thanks!!

AmBank Plat only gives 2x access. So, you may save it for overseas travels and use AEON cards for local PPLs.
If you can bump up your income to RM 80k per annum, then you can apply for AmBank VS which gives 5x access.

I see. I just saw that in their official product disclosure. Ringgitplus did not mention that. Thanks for the info

hi, may i know if u applied for credit card but never activate it.. do u still need to pay the yearly charges?

Yes, you have to if there is a fee with the card.
Regardless if you use it or otherwise.

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: If possible.yes

3. Card required for: Priority for payment for TimeDotCom, Umobile, TNB, Indah Water, PTPTN, buying Household items like Washing Machine, Air-conditioning etc.

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

5. Interested in CC from: Any

6. Others: Planning to buy few Household items using installment and hopefully can collect rewards points or cash back. I do not spend much monthly and not much commitment aside of the list above. Tried applying may bank online but got rejected because there was an overlay of application. Not sure I need wait how long more to try apply again.

CIMB Cash Rebate Mastercard
* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit
(TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES)
* 2% CB for Petrol, Groceries
* 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month) NO CB on Flight Tickets Booking
* 0.2% CB on Other Retail Spend
With Total Maximum CB capped at RM50/month
https://forum.lowyat.net/topic/3988506

This post has been edited by fly126: Mar 11 2017, 01:08 AM

1. Annual Income: Gross 100k
2. Free Lifetime Annual Fee: A must, or can be waived after XXX spending

3. Card required for: I only care about Reward Points! the lowest needed per redemption the better. If possible reward points that never expire.

4. Existing credit cards (if any):
Ordinary CIMB platinum & Enrich card (which was given free, 2x free pass to golden lounge yearly)

5. Interested in CC from: I believe none in Malaysia that can satisfy my needs where points can be transferred to hotels & various airlines.

6. Others:
I am loyal to CIMB because i use their rewards points to discount electrical goods purchased at SenQ. 250 points for RM1 can save me hundreds every year! But soon they will update the redemption up to 400 points = RM1 which is a huge devaluation! I dont think spending RM1 = 2 bonus points works anymore.


Kindly provide me with the best card you think.
Cashbacks, discounts, access to lounge are nice perks but not necessary.
Thank you

MBB 2 Cards Reserve would probably satisfy all your needs however income requirement is 120k and annual fee only waivable if expenses is 80k per annum. And unfortunately 3 yr expiry for points but point accumulation is the best in Msia when using Amex.
With 100k no harm trying to apply, esp when you haven't add in your bonuses.

Next best would probably be MBB 2 Cards Plat/Gold

wow 80k per annum is impossible even pay downpayment for house is only 1 time

I shall be reading about MBB 2 Cards, thanks for the recommendations

Hi to ask in the MCC code list thread but answer not to avail.

Assume that they are registered under MCC 7311 Advertising, is there any credit card enjoying cash rebate for this MCC? Appreciate recommendation.

M2Cards Reserve? What card is that? I supposed you meant M2Cards Premier?

Lol yea M2Cards Premier. Kind of used to calling it Amex Reserve...

I want to swipe 2k at parkson. Which card got better cashback?

Wait until Maybank2Cards AmEx weekend cash back to be reinstated again this weekend, use it to swipe and earn RM 50 cash back for RM 1k and can get 10k of treats points. No point of applying a new card just for 2k spending.

The above suggestion is with an impression that you have M2Cards since you didn't state any. I suggest you to follow template on first page to get better recommendations.

Hi All,

I'm planning to sign up for AmBank Visa Platinum mainly for the PPL access.
However, i would like to clarify something about the TnC.

In ringgitplus website, they mentioned that the PPL access comes with TnC as below (3 swips overseas required):

"All you got to do is swipe your AmBank Visa Platinum overseas while you're travelling at least 3 times and a free access to 17 international airports premium lounges will yours. There's a little catch to it, all 3 swipes must be made within 30 days before or after your visit to the lounge and the free access will also expire within 30 days from your first swipe."


However, by referring to ambank website, it seems that there are no TnC for the access.
Appreciate clarification from forumers

Follow the bank's website TnC.

It has been revised since last year's May to only two access for Plat cards and no longer requires overseas swipes.
You will need to trust their official site than third party's website.