This card sux. those pay on time give 2% rebate. those NOT on time give 5% rebate. WTF !
Checked mmb ikhwan, fri and sat. cimb above rm3k, mbb2 cards sat & sun only amex.. haiz..

Anyone did anyone using any anti RFID for the paywave cards?

Citibank Cashback card 5% everyday.

1. Annual Income: around RM36K to RM50k

2. Free Lifetime Annual Fee: if 12 swipes to waive im ok too.

3. Card required for: petrol, online purchase, retail purchase, restaurant dining, cinema

4. Existing credit cards (if any): Maybank 2 VISA/AMEX, HSBC AMANAH

5. Interested in CC from: Any bank will do as long as they can fulfill my wish.

6. Others:
1) Need to make installment for 12 or 24 months if possible.
2) Would be best if got airport lounge access. not a must.

hi, sorry i know i asked before here where my requirements for a CC is cashback

but now i am looking for reward points instead.

so here are my new requirements.. i do hope you guys will be able to recommend me a good one
1. Annual Income: -

2. Free Lifetime Annual Fee: Must, but if lets say the bank offers XX swipe per year then its waived (thats fine too because i'll definitely be swiping more than 15-20 times)

3. Card required for: Online shopping, petrol, groceries, miscellaneous shopping -> clothing, gadgets, literally anything applicable for swiping

4. Existing credit cards (if any): CIMB Cash Rebate

5. Interested in CC from: Unsure, any recommendation?

6. Others: having the most reward points offered for the required spending listed above. also if possible. able to support Samsung Pay? as it will be nice to gain points in SPay as well..
thanks again guys!

Looking for cashback cards
1. Annual Income:

2. Free Lifetime Annual Fee: yes or waive-able

3. Card required for: online shopping, groceries, petrol, phone bill, makan2

4. Existing credit cards (if any): HLB wise, PBB signature and other non cashback

5. Interested in CC from: whatever if possible not HSBC coz they suck balls

6. Others: looking primarily for online cashback. For lazada, shopee, utilities bill etc pb sig, cash out max rm50 every month when i spend more online.

SCB JustOne Platinum MasterCard Credit Card
for Petrol, eCommerce & Auto billing (Utilities Bill, Insurance via Auto Debit), EZ Fee Waiver with jz Call CS request an AF Waiver


Maybank 2 Cards
* 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card.
* 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month.
Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back

Maybank FC Barcelona Visa Signature
* Lifetime Fee Waiver
* 2% Cash back for ALL purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

AmBank VISA Infinite Card /AmBank World MasterCard
• 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia.
• All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in.
• Free-For-Life, NO conditions attached
• Unlimited lounge access on condition* - with Min spend* of RM500 within 30 days before and/or 30 days after each lounge access https://www.ambank.com.my/ambank/Documents/...umLoungeTnC.pdf
• Complimentary Hilton Premium Club Membership Card
(Note: Membership is automatically renewed annually with just a min retail usage of RM30,000)
• Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles)
https://www.ambank.com.my/ambank/Documents/...stofAirport.pdf

Looking for cashback cards & airport premier lounge card

1. Annual Income: 155K up

2. Free Lifetime Annual Fee: yes or waive-able

3. Card required for: groceries, petrol, utilities bill

4. Existing credit cards (if any): PBB signature, Citibank Reward Signature, Citibank Cash Back and HSBC Signature

5. Interested in CC from: best comes with good cash back and airport premier lounge access

6. Others:

Seeking out to change 2018 card list, plan to keep minimal count of credit card as possible

1. Annual Income: -

2. Free Lifetime Annual Fee: Optional or combo with bank offers Y amount of swipe per year then its waived

3. Card required for: Utility Bill payment, Monthly/ Quarterly/ Annual  Insurance for life  & car ,Online shopping, petrol, dining [card can be accepted for non halal as well better]

4. Existing credit cards (if any): Visa Ikhwan Petronas [ Currently use for petrol], Mastercard Ikhwan, UOB One Plat

5. Interested in CC from: Unsure, any recommendation?

6. Others: looking forward for recommendation on which card to cancel and replace with new application. My opinion is to cancel the Mastercard Ikhwan and UOB one Plat?. Bonus would be have  airport premiere lounge.

Hey thanks for the info, appreciate it much.
Further queries
Does PBB can compressed into 1 card? i was browsing through PBB Visa Signature too right? any other alternatives other than Std Chart?

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Yes or can be waived

3. Card required for: Online/Dining.

4. Existing credit cards (if any): Maybank 2 card, Maybank FCB Visa, Hong Leong Essential

5. Interested in CC from: Not really

6. Others: Cashback! unless a lot points and won't expire

1. Annual Income: RM45K

2. Free Lifetime Annual Fee: Depending on cash back amount.

3. Card required for: Paying Petrol, Mobile Plan, etc for Cash Back.

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

5. Interested in CC from:

6. Others: Cashback or attractive rewards

What about HLB Wise and Mach?? For HLB Wise, my phone plan is already RM200 per month and petrol might also reach 300. Dining could exceed RM500 too. Mach can be use once the Wise card reaches RM2k, with RM100 CB fully utilize. Is this okay? 

PBB Quantum is 2 separate card? not like MB 2 card right. PBB points would it expire? Any other nice CB card to recommend? for online and dining. Was looking at UOB YOLO but turn off by the limited CB cash pool and minimum swipe needed.

PBB Quantum is 2 separate card? not like MB 2 card right. PBB points would it expire? Any other nice CB card to recommend? for online and dining. Was looking at UOB YOLO but turn off by the limited CB cash pool and minimum swipe needed.

FYI,
Evergreen Reward Points, Non-expiring reward points Cards
RHB Platinum, Visa Infinite, PREMIER VISA INFINITE, Citibank Cards, American Express Credit / Charge Card (the One with Centurion Pattern)

thanks for the info

1. Annual Income: RM80-90K

2. Free Lifetime Annual Fee: Yes or can be waived

3. Card required for: Very specific purpose ie. Going to make a substantial payment and want the most bang for my buck - the "bang" can consider in Points (airmile redemption or cash coucher redemption) or in Cashback %

4. Existing credit cards (if any):
a. Maybank: Visa Platinum and AMEX
b. UOB : PRVIMILES and One card.

5. Interested in CC from: No specifications

6. Others: Not interested in BT at the moment. Just looking for a card to maximise my return for the one-off payment.

Thanks Peeps!

1. Annual Income: RM40K - 50K

2. Free Lifetime Annual Fee: Must or Waivable

3. Card required for: Online transactions, e-commerce, e-banking, pay bills online

4. Existing credit cards (if any): Maybank Ikhwan Visa

5. Interested in CC from: PUBLIC BANK & UOB

6. Others: Mostly cash back. Rewards points are nice too

Guys i need advice on Maybank American Express Platinum card, RM800 annual fees...is it good to use? Anyone got this card? Is it a metallic card?

Previously someone advice me to get FCB signature visa maybank and it's really beautiful. The card was metallic on the outside so nice.

1. Annual Income: RM40K-50K

2. Free Lifetime Annual Fee: Must or Waivable

3. Card required for: Paying Petrol, Movie Ticket, pay bills online

4. Existing credit cards (if any): N/A

5. Interested in CC from:Citibank (most of the Citibank CC got Annual Fee)  

6. Others: Cashback

Newbie here, Asking for recommendation

@fly126 Thanks for the amex info. This is through Maybank yes?

Hi guys, I swipe like almost 6k averagely per day on weekdays, how Can I benefit from this?

1. Annual Income: Self employed, 4K per month on paper.

2. Free Lifetime Annual Fee: Must or Waivable

3. Card required for: daily swipe stock purchase, Petrol (1k per month), less than 500 groceries, 3k online spending per month.

4. Existing credit cards (if any): mbb 2card, scb onecard, scb platinum, rhb myeg, citi rewards vs. (Please help me realign, which to keep which to let go)

Thanks for summarising! Yes, I did fully claim the rm85 cap from scb just one. Among your recommendation, I think it’s just Rhb platinum business and hlb essentials have unlimited cb, Amex cb gold have how much cap? I will be swiping around 120k per month, currently use mbb 2card Amex x5point, very limited tp outlet spend.

What is the best CC for earning miles (analysing RM/mile for Enrich/Krisflyer/Asia Miles) with minimum income requirement of RM60k below for:
1. Overseas spend (non-AMEX)
2. General local spend (non-AMEX)

I would like to get a card to earn miles while not able to use M2C Amex and not able to apply for Maybank Visa Infinite or RHB Premier Visa Infinite

With the upcoming revised "benefits" for Citi Cash Back Card, may I know what is the best card for petrol and groceries on weekdays now?

Bro, your answer like not answering my question haha. Refer to this article by GenX, https://genxgenygenz.com/airmiles/, best for local retail spend for Enrich for my income is CIMB Enrich Platinum which earns 1 mile per RM4. Is there any better ones? Also for overseas spend?

1. Annual Income: RM 85k to 90k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Shopping (Online & in store), Cash Back/Rebate, Travel, Petrol

4. Existing credit cards (if any): CIMB cash rebate platinum

5. Interested in CC from: Maybank or anything better than current card

6. Others: would like to try other banks