HLB mach, maybank 2 card amex, public quantum visa.

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.

The ones i recommend from maybank free except visa signature. Based on your needs and salary lo.

Maybe look into

Try mbb 2 premier I think 120k is eligible.

Public visa signature and maybank barcelona.

Not possible

i think most normal ppl dont go for business card, but you are self-employed, abit more unique, maybe you can get it.

based on your spending pattern and available cards

1) you should move your insurance from HLB essential to barcelona, the rebate is higher for barcelona. dont think you should cancel barcelona. 1% is still good considering you have high expenditure.

2) you can add on SCB Liverpool to your existing JOP. this way, rejection rate will be lower.

3) maybe maintain your HLB essential for all other spending... now only 0.x%? forgot.

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.

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

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

i think it depends strongly on how much you spend a month.

1) 1.2% for OCBC is only on first RM1000 spent
2) 1% for barcelona is for all (cap at RM50)

if you spend RM1500 and above (before hitting that RM50 limit), then Barcelona

If you dont mind the more complex version, Stan chart offers a good alternative

This post has been edited by adele123: Aug 8 2020, 09:18 PM

In theory, if you have car loan and good payment history, it helps. Maybe you dont have car loan, which most malaysians have.

Start with the bank you receive salary from. But even that is no guarantee. I dont think local banks are any easier but do try anyway. Affin duo card and maybank 2 card amex gives ok cash back.

This post has been edited by adele123: Oct 3 2020, 12:47 AM

PB VS is also good for grocery. But if PB VS is not enough, MBB VS.

Forgot you mention aeon. Not sure if aeon supermarket still have that grocery or non-grocery problem though

This post has been edited by adele123: Oct 16 2020, 12:46 PM

Maybank 2 premier. Cash back look into pb quantum and visa signature.

Citi prestige/premier miles.

1) can increase credit limit of mbb without switching to platinum. It's doable. It is probably less work but up to your personal preference

2) look into pb quantum cards first before affin. Pb effectively (%-wise) gives higher cash back than affin.

alternatively maybank ikhwan mastercard or maybank 2 card (with amex)

the min income for maybank is 30k per annum. not sure how strict is the income requirement. but these 2 cards will fulfill the petrol and grocery, not the online part though.

but using amex limit your petrol to shell and petronas, cause not popular in BP, petron. and most major grocery can accept amex but smaller brand may not, example if you go Speedmart they probably dont accept amex lo.

so hence the alternative is ikhwan master.

Maybank 2 Card Amex which gives 5% on all spending on weekend. Most major grocery accepts amex. Petronas / Shell known to accept amex. other brands are less likely.

Else Maybank ikhwan mastercard which is grocery and petrol 5% but on friday/saturday.

Public Bank Quantum Master should settle most utilities.

Public visa signature as well. Best card and you meet the income requirement. Amex can still keep for petrol, if you use shell/petronas. Other brand of petrol is different.

Just want to provide another alternative

On months that you dont spend above rm5k, maybank vs barcelona may be a good option, 1% off everything, capped at rm50

This post has been edited by adele123: Nov 8 2020, 12:30 PM

I usually use maybank 2 amex for the first 3 items you mention. Not sure which brand of petrol you use, shell, petronas, certain petrons are ok.

For the last 3 items if you can pay online then can use public quantum mastercard.

Public bank quantum visa and master should cover most day to day use except petrol.

Public quantum master and visa works fine.

If dine in >rm30, go with quantum visa. For the rest can use quantum master because looks like you spend on online, utility, ewallet.

Can i suggest grocery/unifi go for maybank amex? Maybe petrol also?

Actually i personally like ikhwan mastercard because get rebate for grocery and petrol. But visa only petrol, right. Maybe you can weigh it based on your spending pattern.

Getting more cards does give you headache so i will still suggest PB quantum. Both are still used frequently.