1. Annual Income: RM80k

2. Free Lifetime Annual Fee: A Must or Waivable.

3. Card required for: Petrol, Cash Back, Ewallet, Online spend, Dining

4. Existing credit cards (if any): CIMB e Credit Card

5. Interested in CC from: Any good recommendations

6. Others: Heck my CIMB CC got hacked for illegal transaction, gonna say goodbye to it and get a better CC

How about credit card for insurance payment?

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

1. Annual Income: RM150k and above

2. Free Lifetime Annual Fee: No

3. Card required for: Airmiles, Overseas Transactions and Airport Lounges

4. Existing credit cards (if any): Maybank 2 Card AMEX Reserve

5. Interested in CC from: AmBank Enrich Visa Infinite

6. Others: I have been looking for a card to replace the Maybank 2 Card since they devalued TreatsPoints, wondering if AmBank Enrich is the one to go with, would appreciate if there are better cards to recommend. I'm a frequent flyer on MAS.

I spent around 2k on groceries every month. I maxed out my UOB one card cashback for groceries and maybank M2U AMEX 5% weekend cashback. Any other card recommendation that can get cashback on groceries shopping?

Hi sifus, I have 2 requests in 1 post. Appreciate the help

Myself:
1. Annual Income: RM150K+

2. Free Lifetime Annual Fee: Preferably, can consider waiver with minimum swipe

3. Card required for:
Petrol via Setel ~ RM300
Groceries ~ RM500 (but nowadays i used Gxbank for the 1% cashback and grab points at Jaya Grocer)
Utility bill (TNB/Unifi/Telco) ~ RM800
Dining ~ RM1,800 (I eat out alot)
Online shopping (Lazada/Shopee) ~ quite frequent, amount differs every month

4. Existing credit cards (if any):
CIMB cash rebate platinum = mainly for Setel and overseas spend (holiday or online overseas purchase due previous good experience with CIMB Fraud CS)
PB Visa Signature = for everything else except for above

5. Interested in CC from:
UOB One (For Dining only, Petrol to use CIMB cash rebate platinum or Maybank Petronas and my other spendings to use PB Visa Sig)
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i bcs no min spend required (To replace CIMB cash rebate platinum for petrol purchase)

6. Others:
I dont travel alot, so i dont really need perks like travel lounges etc.
I dont use e-wallet.
Interested to know if i can do better but i find it hard to replace CIMB cash rebate platinum due to my previous good experience with CIMB Fraud CS

*Btw, I signed up for PB Visa Sig based on recommendation given here back in 2021 and it has been great. Really appreciate the work you all are putting in here.
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My partner:
1. Annual Income: RM60k+

2. Free Lifetime Annual Fee: Preferably, can consider waiver with minimum swipe

3. Card required for:
Online shopping (Lazada/Shopee) ~ quite frequent, amount differs every month
Weekday dining ~RM400

4. Existing credit cards (if any):
None

5. Interested in CC from:
UOB One

6. Others:
Mainly for online shopping only

1. Annual Income: >RM 200k

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: mainly for airmiles ,

4. Existing credit cards (if any):  MAYBANK 2 premier( annual spending exceed 80k) for waiver

5. Interested in CC from: open to any

6. Others: I am currently overseas with occasional overseas spending , will apply supplementary for my parents as well.
They mainly use for petrol, dining and occasional retail spending.

My goal is for airmiles but open to other cards for the best outcome . Gone are the good old days.

I know M2P miles has been devalued and redeeming points has been a blow to the nuts.

Thank you for the advise sifuuuss.

1. Annual Income: RM120K

2. Free Lifetime Annual Fee: Preferable. Don't mind if cash back can cover the fee.

3. Card required for: Online purchases, Petrol (Setel), Bills (Unifi, CelcomDigi), Restaurants

4. Existing credit cards (if any): PIBB Visa Plat, MBB FCB, CIMB eCC

5. Interested in CC from: Any

6. Others: Prefer cash back over anything. Prefer card with no minimum spending.

Thank you in advance!

1. Annual Income: RM120K

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: mainly local spend for gorcery and utilities. Monthly spending 60-100K

4. Existing credit cards (if any): HSBC Visa, just for petrol, mostly GX bank 1% cashback to be used.

5. Interested in CC from: Any

6. Others: Prefer cash back with no cap or airmiles

Appreciate your recconmendation. Thanks a lot

Petrol just about thousand per month. What about local grocery spending about at least 60K per month? Any reward point for airmiles good for that?

Hi sifus,

Planning for a travel trip, looking for a credit card which can get high cashback / points for online booking (AirAsia, Agoda, Booking.com, Klook, etc)

Already have MBB Ikhwan AMEX, Affin DUO, and RHB Shell, any other cards good for online purchases?

Considering PBB Visa Signature, but don't quite like PBB because they seem to keep changing their cashback policy..

Open to any suggestions. Any good credit card for Air Miles / Lounge?

1. Annual Income: RM140K

2. Free Lifetime Annual Fee: -

3. Card required for:

Air Miles
Lounge access (KLIA & Overseas)
Travel benefits

OR

Cashback/rebate
Good reward points redemption (best if can convert to cash voucher)
Dining,
E wallet
Insurance

4. Existing credit cards (if any):
MBB 2 Plat
HSBC Plat Visa
HSBC Visa Sig
UOB One Classic

5. Interested in CC from: Open to other suggestions

6. Others: thank you

meaning u want to earn airmiles by booking hotel?

1. Annual Income: >RM100k.

2. Free Lifetime Annual Fee: Yes or can waive yearly.

3. Card required for: Cashback for Ewallet, grocery, utilities, insurance, telco, dinning

4. Existing credit cards (if any): PBB VS, MBB (Ikwan, Amex, FCB), UOB (one classic, Evol)

5. Interested in CC from: Any

6. Others: Recently cancelled SC simply cash card, need suggestion for replacement card, previously used for insurance, dinning, online spending, ewallet and retails.

1. Annual Income: > rm200K

2. Free Lifetime Annual Fee: Yes or can waive

3. Card required for: Petrol , online shopping  , dining

4. Existing credit cards (if any): PBB Petron Card , Alliance Platinum Visa , Affin Duo , UOB
PRVI Miles Mastercard
5. Interested in CC from: Maybank , cimb , hsbc

6. Others: Nil

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: Prefer to have, or those can waive upon calling customer service

3. Card required for: (1) Good for miles redemption  ; (2) Lounge access to share with one family member if possible

4. Existing credit cards (if any): Public Bank Visa Signature, Hong Leong GSC Platinum, UOB One Card

5. Interested in CC from: Any that fits

6. Others:
Currently look at few namely:

1) UOB Privi Miles/Miles Elite/Visa Signature - UOB generally earn 10 point for every RM1, but the Air Miles is 1,000 miles for 10,000 points.

2) HLB GSC - Airasia Miles is 1,000 miles for 9,000 while Enrich is 1,000 for 24,000

3) PBB Visa Signature - Airasia Miles is 2,000 miles for 10,000 while Enrich is 1,000 for 10,000.    But it seems PBB Visa Signature is harder to collect points as dining are already eligible for CashBack.

4) HSBC - Abit confusing as different they have different Reward Catalogue but they didnt specify which card is entitle to which Catalogue.
Appreciate some sifus introduce some good miles redemption card for 2025.      

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Preferably or with waiver

3. Card required for: Primarily for Petrol

4. Existing credit cards (if any): Alliance VI

5. Interested in CC from: Hong Leong Visa Infinite

6. Others: My priority is to accumulate miles points and for most of my usage Alliance VI works, except for petrol about RM600 a month. So im trying look for a card that can maximize for petrol. Also i mostly fuel Caltex. And I prefer not to use the auto-top up feature if using Setel.

Hi all, looking for any recommendation to existing CC
Main priority is for cashback

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Preferably or with waiver

3. Card required for: Cashback

4. Existing credit cards (if any): maybank 2 plat

5. Interested in CC from: Any

6. Others: Every month already max out CB for amex card. Feel im missing out on more cashback as alot of spending using Visa card (about 1-2k on visa card, 1k for insurance, others general spending)
Also getting abit fed up and tired of getting Amex rejected everywhere.
If theres one card that can pay all and get similar cashback as amex also dont mind to terminate the amex.
Prefer card which dont have those tier for spending, makes it more mafan to calculate