What do you think about the Maybank Islamic Ikhwan American Express Platinum Card-i? https://www.maybank2u.com.my/maybank2u/mala...num_card_i.page?

- Lifetime AF waiver
- 8% CB on online spend up to RM50 (RM80 during months of Ramadan and Syawal). No weekend restriction.

At a glance, CB is higher than AFFIN Duo Visa 3%

Insurance/takaful not excluded but which insurance/takaful accept Amex?

thanks but from RM3,000 or above monthly....hmmmm

Any good card for online purchase?

+ RHB Visa Signature (up to 6% CB)
+ RHB Shell Visa (up to 5% CB)

Hello Shifus, i need your help for credit card reccomendation

1. Annual Income: RM60K++

2. Free Lifetime Annual Fee: If possible Yes, but if not preferably under RM300 per annun

3. Card required for: daily spending (groceries, food, online shopping) and also overseas spending (plane ticket, retails, vendors)

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

5. Interested in CC from: UOB Prvi Miles or please give me better reccommendation

6. Others: I'm a foreigner, been working here for 5 years. The problem is, i've never had any credit card before. I plan to use my card to pay for my wedding expenses back in my country so i can collect points/miles for honeymoon.

Thank you for your help   

While waiting for others to reply with a better one, PBB Islamic Mastercard gives 2% capped RM15 Grocery and Departmental Store

The Affin DUO+ that you have basically give 3% cb for any contactless right?

Or you can consider this for low min spend:
Bank Islamic Visa Platinum - 3% cb capped at RM30 per calendar month for online, auto billings, grocery and dining, min spend RM500 per calendar month,

Interesting, will check out the BIMB card

After checking the card, I find the cashback mechanism is vague. 3% Cash Back for monthly spend from RM500 to RM1,499.99

hi all, I've been reading around on airmiles and asking chatgpt for rough calculations.

seems like for an average joe, its almost impossible to gather airmiles in the normal way unless there's a 3x or 5x kinda promotion.

the rough calculations were - if for a family of 4 - example from KL to Tokyo:
- MAS airmiles required for economy return = 360,000 Enrich miles
- using Maybank 2 Card Premier as example, local spend RM1 = 2 Treats points
- conversion: 10K Treats points = 1,000 Enrich miles
- total spending required = RM1.8 mil needed

Is there something I'm missing out on? I think my overall expenditure per annum is about RM100K, seems super far off from the above haha.

can help to recco what air miles cc I should get based on the above? initially thought can redeem free business class but i guess not. im using alot of cashback cc but feels every month RM30-50 cashback like so little.

I don’t fly for work so much these days compared to before Covid and even that I had a company credit card to use. Ironically, all my business class tickets were redeemed from 2022 onward.

Every time I always redeem a single business class ticket hence it’s achievable for me. Can’t say the same if with family. So far, I have redeemed 10 times and only business class tickets ranging from Asia to Europe. To me, to redeem one economy class ticket is a waste. The strategy is you need to know how the expenses work and from there you can plan accordingly. I changed all my cash back cards (though I still have them) to airmiles cards. Cash back I only stick to Maybank. The rest I will use airmiles cards.

Yes. The service charge is pretty negligible vs the amount I pay for my tickets under redemption.

Alliance Bank Visa Signature. You can easily reach the RM 2,001 to RM 3,000 spending monthly anyway, so why so care about the min spend? If you are a big spender, you can automatically cross into 0.25% category, higher a bit compares to other banks that offer unlimited cashback.

CASHBACK CATEGORY CASHBACK RATE MONTHLY CAP SPEND
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends 0.05% uncapped from RM1up to RM1,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends 0.5% uncapped from RM1,001up to RM2,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends 5% uncapped from RM2,001up to RM3,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends 0.25% uncapped from RM3,001 or above monthly