PB Visa Signature, Aeon BIG Visa, AmBank True Visa, Alliance Younique, UOB YOLO Visa, UOB ONE Visa, HSBC Amanah Mpower Visa Platinum, RHB Visa Signature, Citibank Cash Back, HL Wise

This post has been edited by GrumpyNooby: Apr 25 2020, 09:07 PM

Hi everyone,

1. Annual Income: RM180K above

2. Free Lifetime Annual Fee: No

3. Card required for: List all your needs. Cash Back/Rebate Only

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

5. Interested in CC from: Anyone, so long better service than Maybank Infinite

6. Others: Basically i am looking at credit card first and then will also migrate my loans from Maybank (refinance)
Maybank in general does not value me as customer. I have been a excellent paymaster for CC and loans. My grouse is that until today I have not received any souvenir or gift despite having this card with them for 5+ years and having Private banking account with them and also high amount of mortgage with them.

1. Annual Income: RM50K

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Cash Back (Must), Dining, online transaction e.g. e-wallet / online shopping ( this is optional have or don't have is ok )

4. Existing credit cards (if any): Nil

5. Interested in CC from: Citibank Cash Back Card ( Got rejected )

6. Others: Higher cashback is better, repayment can be done through online

UOB YOLO, MAYBANK FCB. Citibank CB is a great card, maybe you should try again after 6 months.

Hi all, anyone did a comparison before between standard chartered worldmiles card vs Maybank 2 cards premier?

Not familiar with scb points conversion. The unlimited lounge is a nice benefit over Maybank 5 time lounge pass

Hello everyone.
Checking is there any card that has higher cashback than HLB Essential which only gives 0.4% cashback. Am looking for Essential credit card replacement for NON-Grocery, petrol, online, dining category items.

Currently i have Maybank Amex and Barcelona card but Amex 5% is only on weekend (with RM50 cap) while Barcelona 2% also RM50 cap.

Thank you

This post has been edited by Michael12345678: May 8 2020, 06:53 AM

M2 Amex gives you 5x Treatpoints equivalent to 1% on Mon-Fri, you still use HLB Essential for 0.4% only?

But if you spend >RM500/monthly on Groceries, Dining and Petrol, you can ADD HLB Wise Visa (since HLB already grant you a credit limit), though AF of RM98 (not waivable) but 1% (weekday) / 8% (weekend) on Petrol, Dining and Groceries.

This post has been edited by ClarenceT: May 8 2020, 08:02 AM

Hello all sifu
Looking for any cashback credit card that is eligible for payment of income tax for CP500 (ByrHASIL charge 0.8% if using credit card payment)
Is MBB Barcelona FC or OCBC Titanium eligible for CB

Forget the credit cards as you need to pay +0.8%.
Almost all the credit cards are now not giving rebate/reward to Government related transactions!

Thank you for the advice. I have M2 AMEX but not many merchants accept AMEX. I have HLB Visa & PB cashback cards and have been consistently spending >500 for the categories.

Therefore on every other day, I do not have other options but using 0.4% Essential. Anyway, I only use Essential for occasional big purchase that doesn't accept AMEX.

Small purchases i use Barcelona 2%.

1. Annual Income: Started working less than 2 months, pay around 2k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Just want some credit card record so I can apply for car/housing loan. My biggest spending is on insurance & online.

4. Existing credit cards (if any): 0

5. Interested in CC from: Any bank as long as they accept fresh statements

6. Others: -

any recommended cash back credit card for month jompay utilities bill.?

current using: SC liverpool card(no capture jompay bill as cash back)
thank you

1. Annual Income: 60k

2. Free Lifetime Annual Fee: Flexi

3. Card required for: Utilities payment and e wallet top up (around RM4k per month for big pay)

4. Existing credit cards (if any): MBB 2 Card and Barcelona

Hi Senpai,
Besides Mbb 2 cards & visa signature, which other cc are recommended for petrol? Without annual fee & Min spending conditions. Thanks

Up to 10% cash back at BHPetrol station

10% cash back on weekends
2% cash back on weekdays
Cash back is valid for fuel purchase made at BHPetrol station and capped at RM50 per month.

AFFIN Rewards
Earn 1 AFFIN Rewards Point for every RM1 retail transaction spent at other retailers.

Please click here for full Terms and Conditions.
T&C link: https://www.affinonline.com/AFFINONLINE/med...ashBack_ENG.pdf

Standard Chartered Bank's JustOne Platinum (RM2,500 spending) and Liverpool FC (RM2,000 spending). For JustOne Platinum, need to spend RM200 under petrol/auto debit to maximize cash back.

1. Annual Income: RM72,000> (gross)

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Cash Back, Dining

4. Existing credit cards (if any): Nil

5. Interested in CC from:

6. Others: I like metal cards. Feels premium

This post has been edited by Oklahoma: May 22 2020, 03:18 AM

i know this is old but no one replied you. if you entitled for Private, you should pester your private banking banker, the one who is supposed to be servicing you. Btw in the forum, most think Maybank 2 Premier (VI + Amex reserve) gives you best bank for the buck because of the airmiles conversion rate. having say that, covid19 has made that rather unappealing at the moment.

If you want best cash back card, i will still recommend Maybank for the Maybank2 Card Amex AND barcelona (I force my partner hold all these good MBB card including the M2 Premier). If you spend a lot on grocery, Maybank Visa Signature. i do feel myself recommending maybank within my circle and in the forum. just too good to miss out. Maybe just lousy customer service from PB but good credit cards across the board though.

Other cash back card: Public Bank Visa Signature, SCB - Just One Platinum and Liverpool.

PB quantum, maybank 2 card amex


Maybank Visa Signature - 5% petrol, grocery

PB visa signature. PB quantum visa if you plan and estimate can wave most of the expenses. Also got capping.

public bank quantum master also can help with both items. low cap amount.

Maybank 2 Card Amex, Barcelona, maybe Maybank Visa Signature, seems to have met the min requirement.

Barcelona is the one look nicer. i dont think it's metal.

Hi tks. what if with annual fee? If annual salary RM73,000 what can get?

1. Annual Income: RM 120,000

2. Free Lifetime Annual Fee: A Must

3. Card required for: Grocery, Petrol, Lounge Access , Golf

4. Existing credit cards (if any): Maybank 2card platinum

5. Interested in CC from: Ambank World or Visa Infinite