1. Annual Income: 36K++

2. Free Lifetime Annual Fee: Yes (But can waive thru CS also no problem)

3. Card required for: Petrol, Online transaction (foreign currency), a bit of Dining ... Need a card to backup UOB cards for online and petrol but rejected by CIMB twice... duno what happen zzzz

4. Existing credit cards (if any):
i) UOB One - solely for petrol
ii) UOB Yolo - need to hit 800> for 6% else above 500> 3%

5. Interest in CC from: Any

Yupp thank fruitie.

Yahhh CIMB CR having problem with me all the while.... apply macam mana pun fail punya.

The HLB Mach sounds tempting... just wanted to clarify if I would need a minimum spending in order to be eligible for its CB? I read some things earlier and they said I need to have a minimum spending?

TQ

What is the recommended credit card for cash back for TNB and Unifi bills ?
The best is without annual fee with annual income > RM 50k

1. Annual Income: RM60K to RM70K

2. Free Lifetime Annual Fee: No

3. Card required for: List all your needs.
- Free KLIA2 Premium Lounge Access
- Travel coverage (Travel insurance, flight delay, flight cancel, luggage missing, etc)

4. Existing credit cards (if any):
- Maybank 2 Cards Gold
- Maybank Al-Ikhwan Gold
- CIMB Cash Back Platinum
- Standard Chartered Cash Back Platinum

[Previously owned and cancelled]
- UOB VOX
- Citibank Cash Back

5. Interested in CC from:
- Aeon Big Visa Gold
- Citibank Platinum Visa
    -> this only stated for KLIA but I will be going to KLIA2

6. Others: Please be specific.
- I will be going to KLIA 2
- I just want to try the premium lounge, never been in it nor have any chance for it. 

Too bad I did not charge my ticket purchase to the card. I will get Aeon Big Visa Gold. Seems to serve my purpose.
I found the below  I will keep this in my view for future travels
AmBank PPL

Thanks!!

MBB 2 Cards Reserve would probably satisfy all your needs however income requirement is 120k and annual fee only waivable if expenses is 80k per annum. And unfortunately 3 yr expiry for points but point accumulation is the best in Msia when using Amex.
With 100k no harm trying to apply, esp when you haven't add in your bonuses.

Next best would probably be MBB 2 Cards Plat/Gold

I want to swipe 2k at parkson. Which card got better cashback?

Hi All,

I'm planning to sign up for  AmBank Visa Platinum mainly for the PPL access.
However, i would like to clarify something about the TnC.

In ringgitplus website, they mentioned that the PPL access comes with TnC as below (3 swips overseas required):

"All you got to do is swipe your AmBank Visa Platinum overseas while you're travelling at least 3 times and a free access to 17 international airports premium lounges will yours. There's a little catch to it, all 3 swipes must be made within 30 days before or after your visit to the lounge and the free access will also expire within 30 days from your first swipe."
However, by referring to ambank website, it seems that there are no TnC for the access.
Appreciate clarification from forumers

Thanks a lot
Was confused a little there.

Now this seems like the perfect card for me, no annual fee and no tnc for ppl access

Yup

Enough for me i guess, since i usually travel only max 2 times per year 

Thanks everyone for the clarification ~ Gonna hunt for ambank booth now haha

I am thinking to get the SCB Gold cashback but I already have too many cards & fearing rejections (personal ego of some sort). Any heads up for me, fruitie?

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Cash Back / Reward

4. Existing credit cards (if any): M2u card. Looking for allrounder card when the merchant doesn't accept Amex or during weekdays usage.

5. Usage : Petrol, Groceries, TnG, Pharmaceutical, Paying Bills, online shopping, a little bit of shopping and dining.

I will try to arrange all the shopping and bill paying on weekends.
Currently looking at Citibank Cash Back Credit Card. Anything else recommended?

I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

III) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

IV) OCBC 365 Mastercard: 1% CB on 1st RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending & also, Good for PTPTN Payment  
http://www.alliancebank.com.my/younique

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

Thanks for sharing, That's GOOD for YOU...
I'm already Old fella dah tak payah kasi PTPTN

This Maybank Ikhwan MasterCard offers 5% CB on groceries? Any particular participating merchants or simply based on MCC? I am currently holding this HSBC Platinum MasterCard which seems no benefits at all... Thought might cancel it instead.

It was my first CC and have been using it for years till I recently got this Maybankard2 and only realized how "useless" the HSBC CC is!

Received a call from MBB offered me Maybank Ikhwan but I rejected that time! I'd have just accepted as the person was persuading to send me the CC and I can decide later if I wanna activate it or not.

Especially now not all shops accept AMEX, I seriously can consider this CC for 5% CB!

Sorry to ask, is it free AF?

If you are qualified, there is also maybank visa signature. But not free AF. Use one year and stop lo..

waa... siao meh! Annual RM30k usage? That's RM2500 a month! I definitely cannot afford... 

I thought it was recommended? Read the features of Maybank Visa Signature, 5% CB all day on petrol & grocery but no Treat Point. So I guess there is no credit card which offers all day CB plus reward points huh?

I'm planning to cancel my HSBC card, seems it serves no purpose as there's not much benefits. Is there any HSBC CC you recommended?