nope

but mostly we talked in General thread for Affin cards >> https://forum.lowyat.net/topic/4281854

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol and Shopping (Online & Offline)

4. Existing credit cards (if any): Maybank Gold Amex (The one that came with another card but i cancelled it)

5. Interested in CC from: Preferably Maybank as I'm used to it, but open to other options.

6. Others: Recently trying to go cashless but I'm sure you guys know its difficult to do so with only Amex haha. Hope theres something better to replace the visa that came along with it.

Also, any recommended thread or website to teach how frequent flyer works? Don't quite understand it so not sure to prioritize or not.

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A Must

3. Card required for: online shopping at Shoppee, Lazada or other online retailers and online streaming services like Spotify, Netflix, iflix, scribd, gaming services like Nintendo online

4. Existing credit cards (if any): RHB Visa Infinite, Bank Islam Visa Platinum

5. Interested in CC from: Any

6. Others: I want cashback for recurrent online subscriptions, international online retailers etc

Thank you

Try public bank quantum. Good for all-around purchase. online and offline pretty much cover all possible expenditure together with your existing Amex. you can continue petrol expenses on amex i supposed

For frequent flyer points, it's not rocket science, can just google, in fact we have a FFP thread right in this CC thread, you pergi cari la. the idea is spend more, earn more credit card points, convert to frequent flyer points (more commonly known as miles actually)

the slight difference is, different bank has different conversion rate, even same bank different card has different conversion rate. of course try to look for the best possible card where, you get the best conversion rate out of every ringgit you spend.

If mostly payment belongs to online transaction, you use credit card with online cash back, like 5% for UOB Yolo and 5% for Public Quantum Master.

Thanks for such an informative reply! Checked out Quantum and found out it comes with both visa and mastercard. Will look further into it during the weekend . Also thanks for the general idea of how "miles" work. Will check that thread out too.

A somewhat irrelevant question though, any idea why the quantum cards dont appear on the Imoney website? Most of my info is based off on Ringgitplus for now

1. Annual Income : RM60k

2. Free Lifetime Annual Fee: must free

3. Card required for: Groceries (Cold Storage, AEON), occassional shopping and online purchases

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

5. Interested in CC from: Any bank

6. Others:

Public Quantum Master 5% for online purchase, you can earn 5% for Its Visa card by paywave.

I dunno. But i think most ppl for frequent forum actually fact check here or official bank website, not so much on imoney or ringgitplus. Those website great for applying for free gift.

Maybank 2 card amex for grocery if you ok with just buying during weekend.

Public bank quantum cards

Thanks for this thread I got PB Quantum cards but I realize I maxed out the cashback especially for e-wallet (5%, RM30 capped). Any other recommended cards so that I can really utilize the e-wallet/online transactions?

PB Visa Signature
SC Liverpool
SC JustOne Platinum

This post has been edited by GrumpyNooby: Jul 16 2020, 09:32 AM

1. Annual Income:

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol and Shopping (Online & Offline)

4. Existing credit cards (if any):
Maybank2Card AMEX Plat
PB VS
CIMB CR (to be cancelled)
Maybank FCB (to be replaced)
SCB JOP

5. Interested in CC from: Preferably Maybank as I'm used to it, but open to other options.

6. Others: -

Looking for something to replace the Maybank FCB (general purpose) and CIMB CR (Dining) Any good alternative? Currently the PB VS and SCB JOP maxed out on BP reload. Prefer a card that can use for petrol (any days), dining and online. For online, prefer those that offer vouchers/discount.

If you want any day petrol transaction cash back, dining, can choose Citibank cash back (RM 10 (10%) minimum spend RM 500)or cash back platinum (RM 15 (10%) minimum spend RM 1.5k). Online e-wallet reload? 10% for Grab also.

Online shopping like shopee and lazada.

Maybank just launched a shopee visa credit card, 2%-5% coin cash back, perhaps you can check. If you want attractive cash back credit card for lazada or shopee, can try public bank quantum master card (5%), its visa card paywave 5% (min transaction RM 30).

which card offers the best/cheapest EPP plan? I used to use Maybank EPP, very easy to apply in app but 9% p.a. per month. than I moved on to UOB, with upfront fee at much lower effective fee than maybank. I've looked at StanChart EPP, but it's not cheaper than UOB.

just wondering if any CC sifu here know if there are more attractive EPP plans out there.

you can consider looking into OCBC Cashflo and understand if it fits your needs.

Public bank quantum has that 1% 12 months flexi payment, but also do read T&C. i think 1% is per year but do double check

bad internet connection

This post has been edited by adele123: Jul 18 2020, 12:38 PM

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Insurance payment with cash back rebate

4. Existing credit cards (if any): PB VS, PB QM, PB QV, MBB FCB (replacing this), MBB Amex, AmBank TRUE Visa, SCB JOP

5. Interested in CC from:

6. Others: Initial plan was to terminate the SCB JOP and transfer my insurance to FCB but FCB now is 1% cash back only so looking for better alternatives. Insurance is RM650 monthly.

Just in case anyone wish to get the alliance business card, yes it is indeed for businessman but with certain conditions in order to apply it. I can't get it as it requires you to take their facilities such as OD or PLoans. My bad.

Ya, indeed Barcelona better than essential. Will look into it again since i cant get the alliance business card.