1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cashback & Plaza Premium Lounge

4. Existing credit cards (if any): Citi Clear, HSBC Plat & HSBC M-power

5. Interested in CC from: Ambank Plat for PPL

Can sifu here recommend any good CB card or alternative for other card good for PPL.

Thanks

Income: RM36-60K
Free lifetime annual fee: Must
Purpose: Overseas Transactions (3-5 one week trips per year) + Petrol/Groceries
Existing Credit Cards: Nil.
Interested in CC from: CIMB / PBB (I have savings accounts in these two)
Others: nil

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: No.

3. Card required for: Petrol, Cash Back/Rebate Only & rewards

4. Existing credit cards (if any): Nil.

5. Interested in CC from: UOB - Onecard, Citibank - SImpliciti+ / Clearcard

6. Others: I am a young graduate who want to save more with CC spendings, main spendings of the month - petrol & PTPTN (for god sake). I want CASH BACK and sometimes with rewards.

you seem quite active on CIMB card, you should apply TS for it 

Hi all.. anyone knows of any cc which gives high cashback for new application? Like hsbc just ended their promo for new card application... swipe certain amount within 60 days and then get some cashback a few hundred ringgit.... i think now hsbc still got promo... lazada e voucher but I guess getting cash back is better...

1. Annual Income: RM40K

2. Free Lifetime Annual Fee: Yes if possible or XX swipes/year or low AF

3. Card required for: Paying Utilities Bills. My electric+ water bills come close to RM2K. Unifi about RM200

4. Existing credit cards (if any): Maybank Ikhwan Visa Petronas (Petrol CB), Maybank Ikhwan Mastercard (TouchNGO CB), HL MACH (Movies + Dining CB), HSBC Amanah MPower(got this for the 25K Air Asia Big Points promo)

5. Interested in CC from:

- Alliance-Bank-Younique card 3% CB for All Retail for between RM2K to RM3k spending. Total CB = RM90
- HL Wise - 10% CB for Uilities. Total CB = RM100
- SC Cashback Gold - 5% CB  for All retail. Total CB = RM50                             

p/s: I don't really know how Justone Platinum work to be honest..

Thank you so much. Actually I don't know how the Justone Platinum work:

https://www.sc.com/my/campaign/justone-platinum/

So if I just spend an accumulated RM2.5k & above, I get RM85 cashback right?

But a big chunk will be from electricity and water bill. I use about RM1.7k+- on electricity and about RM200-300 on water bills. The remaining RM500 I could spend on other things.

Still can get RM85 cashback on RM2.5k spend/month as shown above?

Why I'm asking the above because I'm worried it would be like the YouNique card from Alliance...thought can get RM90 cashback but it's only RM50 max because the cashback is given out in tiers..

Btw, what's this auto bill payments? "Auto bill payments comprise of recurring bill payments from Insurance, Telco and Utilities"

Is it Standing Instructions? How does it work?

Im using HSBC Reward Point and CIMB Cash back card, am thinking of switching HSBC to Cash back card but looks like both cash back % are quite similar

Looking at getting another card that gives better reward points for purchases that doesnt is not entitled to cash back. should i get MBB ?

Hello guys, need opinion/recommendation here,

Usage for: online payment, especially flight ticket

In consideration:
1. Maybank 2 Amex- 5% Cashback on weekend (is online transaction entitled, plus the transaction date thingy, will it be on the spot or delayed)
2. Aeon big card- 2% cash back for online (is it also entitled for flight ticket)

Kindly advise, if have any other better choice also good.

Thanks in advance.

Hi guys,
I want to ask few things here since I am very new to this cc😁

1. My annual income is near to 60k(short by around 200 before 60k) and from what i read, most platinum cc put their minimum limit for annual income of 60k and i see some of cc got better deals when u become platinum holder compare to gold/silver(normally for those earn 24k and above before 60k)
My salary will increase on yearly basis/sometimes twice a year(hopefully🤗) and early next year, it will hit 60++k..
So is it better for me to apply normal cc(not platinum) or wait next year and apply for platinum?
Currently im holding aeon gold visa cc..im a heavy user of cc, my average usage is 2k per month but i normally pay full before due date...
All CTOS&CCRIS record are clear for now🤗

2. I am a frequent traveller-travel within malaysia(twice per month) from Sabah&Sarawak to KL and oversea at least four times every year(most of the country is either ASIA or ASEAN), so i want to know which cc gives better offer in term of purchasing flight ticket?
My current aeon granted 6times entry to airport lounge but i never use it before, x tau mcm mana mau guna😣

3. I got an offer for standard chartered cc with free 25k air asia big point but the downside got annual fee😞
Should i go for this or not🤔
25k miles plus my current one entitled me to redeem 5times flight ticket from sabah sarawak to kl...

4. Can someone suggest best cc for me as im new to this one, i have read from xyzgeneration blog, the threads and bebenang at other forum as well, but im still unclear for cashback and few others.

My spending cc habit(per month 2k)
Major-flight ticket(40%)
Average-(20%)-hotel, groceries, petrol
Around 5-10% utilities bill and f&b and sometimes online shopping

Tldr:
1. my income is yet to reach 60k, should i apply for normal cc or wait it hit 60k for some platinum cc 🤔  
2. Best cc for purchasing flight ticket
3. How to use premium lounge privilege
4. Whether to get one standard chartered cc or not🤔
5. Suggest me the best cc for my spending routine please

Many2 thanks in advance  

Tq so much for the recommendation😘Considering Mbb Ikhwan and SC gold currently...
Will try to use PPL today🤗

P/s: SC card got annual fee right🤔

I've been eyeing mbb2 card too, but to get platinum my annual income need to be 60k and above rite?
Is there any huge difference between gold status n platinum cc holder🤔Seems like similar from maybank2u website😁

I read from sc website they got annual fee, how can we request for waiver😁

Anyway tq for your help😄

Hi need recommendations pls

Annual Income: 36k

2. Free Lifetime Annual Fee: Yes pls/ if can waive also ok

3. Card required for: 
Petrol fill up on Friday/ Saturday once, and one fill up on weekday (450)
TnGo (400)
Online transaction thru local websites like lazada
Grocery shopping at local tesco etc (600)
Bill payments ( TNB 250, Astro 100, TM 380, Utility 200)
Prudential insurance (500)

4. Existing credit cards (if any): HLB wise

5. Interested in CC from: any

6. Others: pls suggest any card or cards that can fit me & wife) usage above and can gain benefit at the same time.

Thanks so much for advice =)

1. Annual Income: 40k

2. Free Lifetime Annual Fee: Yes pls

3. Card required for: On any transaction. Need the Highest unlimited XX% cashback (uncapped) and no AF (because I hate to apply and cancel)

4. Existing credit cards (if any): MBB Ikhwan Petronas, MBB Gold Master card, HL MACH, HSBC Amanah MPower

5. Interested in CC from:

- RHB Business Plat/Visa 1% unlimited CB on retail transactions (No AF)

6. Others: Ocassional big $$ spending. Will be spending a total of RM20k on Malaysia Airlines flight tickets soon..

Actually I can consider that.

For me, points are just points. It's important to see what the points are actually worth. Assuming I get 100K points by spending RM20k during the weekends with the card.

What can 100k points give me? I checked their treatpoints catalogue here: http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

90k could get me RM200 vouchers..
To also add in RM50 for the 5% weekend cashback.

In total, I could get around RM250 worth of "cashback".
____________________________________________________________________________________________
Compare this with the 1% unlimited cashback from RHB, I get back only RM200 which is pure cashback..
____________________________________________________________________________________________

Oh btw, I need a Credit Limit of RM20k+ as well as I'll be buying the airplane tickets from Malaysia Airlines at one go..

fruitie I remember you mentioned that we could transfer our CL to other cards right? I got a MBB Ikhwan Petronas Visa and MBB Ikhwan Gold MC, each with 6K credit limit

If it's still insufficient, could we request for a higher CL?

thanks for suggestion

are u suggesting take both mb2 and ikhwan at same time ?

He wants to combine his Islamic limit to his conventional limit instead of splitting off this conventional to his Islamic.

for 1-off large amount swipe (5-digit), which card has the highest return (in all form, either cash back, points, miles, vouchers etc)??

on top of my mind, there are few good options:

1. MBB Amex (if merchant accepts + weekend) - 1.25% TP + RM50

2. HLB Essential - RM 30 (first RM 5000 spent) + 1% subsequent spend

3. HSBC Amanah MPower - RM 500 Lazada Code + 0.2%

Appreciate if you could share any other good cards for my reference 

1. Annual Income: 60k

2. Free Lifetime Annual Fee: Yes pls

3. Card required for: Shell petrol, dining, online spend (lazada, 11st etc), mobile bill and gym bill (auto debit to my sibling CC)

4. Existing credit cards (if any): Currently using my sibling CC (Citi Shell card) for normal spending, plan to switch over for existing spending.

5. Interested in CC from:

- Current CIMB and maybank account holder but no CC, eyeing of CIMB cash rebate CC.

6. Others: None.