well, the majority lies with e-money/online banking
card payment also includes debit card i think

1. Annual Income: RM120K to RM180K and above

2. Free Lifetime Annual Fee: YES . (But understand that most good cards have annual fees, preferred waivable with MAX 50-60k spending)

3. Card required for: Want a better local spend daily usage card.

4. Existing credit cards (if any): Currently using Maybank MANU card for daily needs.

5. Interested in CC from: looking for a premium good looking card, with better daily spending benefits. (points or cashbacks).

6. Others: Have alliance VI, and ambank VI for lounges benefits. Since Alliance VI has nerfed the daily benefits, will just keep those for lounges benefits.

ahh thanks!
but i dont pump petronas, sadly.

anyways, does cashback benefit alot? or should just focus on points?

1. Annual Income: 60K
2. Free Lifetime Annual Fee: Yes, or easy to reach like 1 swipe per month
3. Card required for: general use, with lounge access
4. Existing credit cards:
- M2C AMEX
- UOB World : plan to cancel in 2026, once the 3 years AF waiver period is up.
- Alliance VI : applied back in april. plan to cancel once i receive promo gift.
- Alliance VCC : earn point by reloading tng > convert point to tng. any better use beside one-off purchases?
5. Interested in CC from: aeon gold, for easy to reach AF waiver and lounge access.

looking for general daily use card with lounge access to replace nerfed alliance VI. spending that new card will cover

groceries : 500-1000
utilities : 300
insurance : 500
dining/others : 500

1. Annual Income: RM100K above

2. Free Lifetime Annual Fee: YES or easily waive annual fee

3. Card required for: Want a better local spend daily usage card.

4. Existing credit cards (if any):
MBB 2Card Amex: using online only, physical card faulty. lol. Not call replace yet. (donno free replace or not)
MBB 2Card Visa: keep only
CIMB Petronas P: (CB60+60) everymonth
CIMB CashRebate: (CB30) everymonth
PBB VS Sign: (CB30) everymonth
PBB MasterQ: Normal use (Because No annual fee)
PBB Gold: Normal Use (Because No annual fee)
UOB One Card: (CB10+10+10sometime), grocery always no full, as SABAH no popular supermarket in UOB list

5. Interested in CC from: looking for ewallet or other use can get cashrebate or points. or replace what i can get more rebate

6. Others: Just Apply Aliance Virtual, being reject.

Hi, this Bank Islam Platinum online spending..does it include e-wallet reload? Or just Spaylater only?

1. Annual Income: RM72K

2. Free Lifetime Annual Fee: Yes or with minimal amt of spendings

3. Card required for: (i) Travel as I travel average once monthly domestic for work, for lounge access or Golden Lounge (ii) Anymore good cashback card?

4. Existing credit cards (if any):
UOB One Card (max cb already)
Affin Duo Card (max cb already)
Public Quantum
HSBC Amanah Visa

5. Interested in CC from: Preferably none from the banks above, but if same banks I guess also possible

Hopefully can get sifus here for recommendations, the plethora of cards out there can be very confusing. Thx so much

1. Annual Income: min rm60k

2. Free Lifetime Annual Fee: yes

3. Card required for: Cashback = spending 70% on shopee, 30% on grocery

4. Existing credit cards (if any): no

5. Interested in CC from: maybank shopee

6. Others: sole proprietor (means income not fix), have Form B ready, 'empty' CCRIS report because never get loan / cc before. My question: I actually want the Maybank shopee credit card. Do you think i should apply that first (with fd pledge) even it'll most probably be rejected? Or should I just start with other bank which is less strict? which card should i start?

Thank you so much.

Aigoo.. Just been approved of this card thinking to totally replace ambank true card..

1. Annual Income: >RM200k

2. Free Lifetime Annual Fee: Yes or can waive with spending/swipes

3. Card required for: Cashback on utilities/phone bills/grab food... or cashback card that have high RM cashback ceiling without many diff categories

4. Existing credit cards (if any):
RHB Visa Cashback (using this for utilities/groceries/grab food, but too many categories and only RM10 cashback per category) - willing to cancel if can find something better
CIMB Petronas Visa Infinite (for petrol/cigarettes and dining) - something like this card for utilities/phone/grab food would be great
Maybank Ikhwan Amex Platinum (for shopee/spaylater)
Maybank 2 Premier - planning to cancel this before my next card anniversary date

5. Interested in CC from: Open to any... Polished bank app would be a plus, my prev experience using Stan Chart app felt very clunky.

Edit: Monthly credit card spending usually around RM8-10k per month (excluding occasional/emergency spending). CIMB card requires RM4k min monthly spend, Maybank Amex requires around RM600+ spend to get full cashback, so roughly have around another RM4k spend to use on another card.

Thanks

Anyone using Bank Islam Visa Platinum cashback card? I don't understand how their cashback is calculated. Lodged a Complaint since mid Sep and until now, not a single call back or email to fix the issue.

Aug bill total: 677.44, closing bal: 658.84, cashback 18.6
Sep bill total: 744.78, closing bal: 724.74, cashback 20.04
Oct bill total: 1003.92 closing bal: 979.77, cashback 24.15

I was assuming it's 3% of total bill amount but calculations seems off. Anyone has any idea how the cashback is calculated?

Can anyone confirm below? I got different answer from Bank Islam thru 2 calls and 1 email
Please find the details below:

1. Current Credit Card Statement Date - Your current statement date is 14th of every month.

2. Statement Date Cycle Options - For Bank Islam credit cards, the statement date is fixed. Your cycle runs from 15th of the previous month to 14th of the current month.

3. Cashback or Point Calculation Basis - Cashback and point calculations are based on the statement cycle, not the calendar month.

4. Reflection of Cashback and Points - Cashback and points earned during a cycle will be reflected in the  next statement after the cycle ends.