Is MBB Visa Signature annual fee free? I saw in the website, first year free and subsequent RM550. Annual fee waived with minimum RM30k spend per year.

I see many ask for recommendation here for free annual fee and got recommended that card. So just want to confirm.

1. Annual Income: >240k. Monthly spend between 5k to 9k.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: online shopping, utilities and insurance payment, installment plans, would be great if there's some restaurant offers

4. Existing credit cards (if any): holding Citi. I've cut previous cards from hsbc, public, maybank, uob, ambank.. will this affect the application if I were to get a card from these banks?

5. Interested in CC from: no preference really. High cashback is a good option.

6. Others: Preferably Visa over Master, not a fan of Union or AMEX. In case I lost my card overseas in future.

i tend to spend more on insurance premium (auto debit), ewallet reload, and groceries. If there's a card that provides cash back on auto debit or online transaction including ewallet that will be best option.

1. Annual Income: 45k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Ewallet topup (TnG, shopeePay & grab), grocery, Petrol, TnB, unifi & Cash Back/Rebate Only.

4. Existing credit cards (if any): MBB visa signature barcelona & MBB 2 gold

5. Interested in CC from: nil

6. Others: used to topup ewallet TNG & shopeepay frequently, prefer Cash Back/Rebate Only.
TQ in advance for the recommendation 

affin duo
pbb quantum mastercard

Hey guys. Blur case me, I just found out that the Maybank FC Barcelona Visa card now only gives 1% rebate. Is there any good replacement card for it that you would recommend?

Sorry I just updated my reply with the details. I spend my cards on everything. Food, Grab, groceries, online shopping, utilities, petrol, games, movies, travel, etc. I hardly use cash. Everything either online or paywave

Hi guys, currently I currently have three existing credit cards as below:

1) UOB One Visa Platinum
2) HSBC Platinum Credit Card
3) Maybank FC Barcelona Visa Signature

I would like to keep only two credit cards. I will keep Maybank FC Barcelona Visa Signature because I have bought PC by installment using Maybank credit card.

I need your suggestion on option A or option B

A) To cancel UOB One Visa Platinum Credit Card or UOB One Visa Platinum

B) To cancel both credit card and apply other credit card (any suggestion) ?

1. Annual Income: RM52k

2. Free Lifetime Annual Fee: Any

3. Card required for: No preference. I think I prefer rewards point credit card since I have cashback credit card (Maybank FC Barcelona Visa Signature)

4. Interested in CC from: Any

Thanks sifu.

Hi everyone. Fresh graduate since November 2020 and looking to apply for my first credit card. As I live with my parents, my monthly expenses are quite low so I won't be hitting many minimum spending requirements. Looking to mostly build my credit score.

1. Annual Income: RM47k
2. Free Lifetime Annual Fee: Yes
3. Card Required For: Online shopping and petrol mainly, but occasionally groceries.
4. Existing credit cards: None.
5. Interested in CC from: No preference.
6. Others: Would rather cashback instead of reward points.

1. Annual Income: RM100k+

2. Free Lifetime Annual Fee: Yes but not necessary.

3. Card Required For: Online shopping (Both overseas and local), E-wallet (Shopee,Grab,TnG,etc.), Hire Purchase, Insurance, Telco, groceries.

4. Existing credit cards: City Cashback (mostly used), UOB One, UOB Prvimiles, and HSBC Amanah MPower. 

5. Interested in CC from: No Bank preference. Prefer CC with good cashback for petrol and online transaction.

6. Others:

Hi Guys, according to the information above, I was thinking to cancel 3 of my cards and only utilise 1 , which one should I keep? or
any best bank card recommendation based on my information?
Thank you in advance.

Love you and stay safe.

Thank you, brother. I'll cancel all my cards and apply for PBB Visa Signature and Maybank Visa Signature. 

Stay safe and take care.

Hi all,

I need some advice on credit cards.

1. Annual Income: RM100k+

2. Free Lifetime Annual Fee: Yes (if possible).

3. Card Required For: Online shopping (Both overseas and local), E-wallet (Lazada, Shopee,Grabpay,TnG), Petrol,groceries and utilities. Thinking of
                                moving hire purchase to credit card and Insurance to credit card, Online payments like Netflix, Spotify and Steam game.

4. Existing credit cards: CitiBank Gold (points card) Planning to cancel, Just recently got Standard Chartered Just One Platinum Card (Haven't activated) and Both PBB Quantum Master Platinum and PBB Quantum Visa Platinum (Haven't Activated) and HSBC Amanah MPower Platinum Credit Card-i (Haven't Activated yet

5. Interested in CC from: No Bank preference just want a good cashback card that gives good benefit for my lifestyle and preferably only 1 or 2 cards.

6. Others:

Hi Thank you for the feedback. I just received those cards from the bank recently, due to my hire purchase and home loan refinancing. The bank sent me those cards. I stumble upon this forum to get an idea of what are the benefits of the cards. as I mentioned I only had 1 Citibank Gold Card and its a point card and I was planning to change it based on my current lifestyle.

Hi Does PBB Quantum visa give cash back on petrol and groceries? What is your opinion on Standard Chart Just One platinum card?

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: If possible, unless benefit outweight the fee.

3. Card required for: Need Mastercard (already has visa), Overseas/online purchase, cashback.

4. Existing credit cards (if any): public bank visa signature, HL Wise

5. Interested in CC from: Any.

6. Others: Some overseas online shop needs mastercard. Already use existing Visa for cash back, grocery etc.

Thank you very much for the help.

Any recommendations for credit card that can gives rebate for non wave transactions?

No specific category.. Can be miscellaneous.

I already have PBB Quantum for online and wave, PBB Visa Signature and Affin bank Visa Signature... But all of these are mostly for online and wave transactions.

Anything more than 250 that requires PIN, I can't get any rebate.

Hihi, I wanna know if it's worth to sign up credit card just to get the sign up promo items?

For example, I want a Cashback CC, applying for Citibank Cashback card now can get RM500 e-wallet reload pin. Is it worth it compared to getting Public Bard Quantum MC / Affin Duo Visa in long term?

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: Preferable but still okay with those come with conditions to waive it

3. Card required for: Online shopping, GrabFood, Foodpanda, Insurance, Auto billing

4. Existing credit cards (if any): HLB Ess, Ambank Carz

5. Interested in CC from: Any

6. Others: I prefer card with more selection to buy free installment at certain shop like Machine Apple, Ikea, or others.

1. Annual Income: RM120k min.

2. Free Lifetime Annual Fee: Preferable but still okay with those come with conditions to waive it

3. Card required for: Groceries + Petrol Rebates>Online shopping>Auto billing>Insurance

4. Existing credit cards (if any): Maybank Barcelona (looking to cancel), Maybank 2 Platinum, HSBC Amanah, HSBC Platinum Master, PBB AIA card

5. Interested in CC from: Any

6. Others: Looking to maximise savings whenever possible, I dont mind Points if its just 1% rebate which is really too meh