1. Annual Income: RM75K

2. Free Lifetime Annual Fee: Preferred, but with minimum spend/swipe waiver is OK

3. Card required for: Dining, General spend (groceries, lazada etc), cashback. No car, so I don't need/benefit from petrol spend/cashback

4. Existing credit cards: Maybank 2 Cards platinum, Maybank FCB, Citi Cash Back platinum (last is terrible, dunno how they calculating cashback )

5. Interested in CC from: Any bank

6. Others: More interested in cashback because I spend close to 3K monthly (usually pay for makan with friends). Used to rely on Maybank FCB but just saw the changes to the cashback rate (sad). Tried the Citi card last few months but despite reaching the minimum spend the CB doesn't seem to come in. Friend recommended the CIMB Cash Rebate platinum card but the cashback is so low. Most of the cards seem to segment the cashback into categories, but I don't benefit from petrol so that's wasted on me.

1. Annual Income: RM42K

2. Free Lifetime Annual Fee: Preferably or Waived

3. Card required for: Petrol, PTPTN, Cash Back/Rebate Only, Grocery, Food & Entertainment

4. Existing credit cards (if any): None.

5. Interested in CC from: Any Bank

6. Others: Want to get a CC to increase my credit rating for future loan processing. Never had a CC before. Spend close to 3K monthly.. Mostly for Food, Entertainment, Bills & Petrol... currently just using debit card for all these purchases. hoping to get more cashbacks with CC & increase my credit rating for loan application in future.

Hope all sifu here can help me out! Thanks!

1. Annual Income: RM48K

2. Free Lifetime Annual Fee: Preferably or Waived

3. Card required for: Cash back, or flight benefit (minor)

4. Existing credit cards (if any): CIMB cashback, OCBC 365, OCBC titanium

5. Interested in CC from: Citi Cashback, Publick Bank Quantum

6. Others: I fly a lot and i use Big Pay a lot. Monthly usage around 1k, mostly on BigPay, Touch n Go, Grocery and Restaurant.

Is there any credit cards out there with points collection which is evergreen? (Except Citibank Rewards Card)

If petrol, grocery, dining, can try Citibank cash back credit card, RM 10 for each category but your statement amount must be > RM 500. For PTPTN cash back, you can use boost to pay, can use those with online transaction cash back credit card to top up boost.
Public Quantum Master is good enough to reload into e-wallet, 5% cash back. For flight benefit, you mean air miles? If yes, you can try Maybank 2 Cards.
Point collection? I think the best point to collect is Treat point (Maybank 2 Cards)

If petrol, grocery, dining, can try Citibank cash back credit card, RM 10 for each category but your statement amount must be > RM 500. For PTPTN cash back, you can use boost to pay, can use those with online transaction cash back credit card to top up boost.
Public Quantum Master is good enough to reload into e-wallet, 5% cash back. For flight benefit, you mean air miles? If yes, you can try Maybank 2 Cards.
Point collection? I think the best point to collect is Treat point (Maybank 2 Cards)

Yeah Public Quantum Master is good, but im not sure whether the 5% cashback also appliees to BigPay topup as well?
Thanks for the reply anyway~ So nice to have such helpful sifu here~

Any Credit card that could replace MBB Barcelona since that have change the CB ?

I am looking for a pin credit card that could apply to all daliy life from booking agoda to dining to petrol everything mix and match

MBB Barcelona could pay for anything except for goverment bodies and get 2%CB

Any Credit card that could replace MBB Barcelona since that have change the CB ?

I am looking for a pin credit card that could apply to all daliy life from booking agoda to dining to petrol everything mix and match

MBB Barcelona could pay for anything except for goverment bodies and get 2%CB

Is there any credit cards out there with points collection which is evergreen? (Except Citibank Rewards Card)

Affin Visa Signature >> https://www.affinonline.com/tap_for_cash_back

3% cash back on all contactless transactions (excluding government services and charity transactions), capped at RM80 per month

wave-then-PIN not eligigible.
if you always do physical retail contactless spending, this is a good alternative card. no good for online transactions.

FCB VS will still be one of the best CC after other CC issuers cut the reward/benefits/rebate due to Payment Card Reform Framework (due on 1/1/2021).

If every credit card cit their benefit than yes. But 1% is really really low      if 2% but cut away may and august special still good

If every credit card cit their benefit than yes. But 1% is really really low      if 2% but cut away may and august special still good

When interchange fee is 0 48%, not many credit card issuers can give you high rebate already unless a lot of cardholders are paying 15%-18% interest.

enjoy, until the time comes. then we see what to do.

Remaining 5 months only; not 5 years.
Time flies fast ...