POSonline https://www.posonline.com.my > spaylater > cc

Anyone else?

i think alliance on ringgitplus have some campaign like spend 30k to get apple watch

thank you mate.

https://www.alliancebank.com.my/Promotions/...ewards-campaign

Hi sifus, looking for credit card for airport lounge access.

1. Annual Income: RM112k

2. Free Lifetime Annual Fee: as long as can call to waive is good enough

3. Card required for: airport lounge access (KLIA2 more than KLIA1)

4. Existing credit cards (if any): AFFIN VISA cashback, HLB sutera platinum, PBB visa quantum,

5. Interested in CC from: no preference

6. Others: any extra benefits are welcome.


I heard from my friends Plaza Premium Lounge is like pasar malam now so better to take cards with their own lounges.

I've been looking at these 2 now:

UOB PRVI Miles Elite Card

- 8x lounge access
- free ride home from KLIA1 with 3 overseas transactions
- UOB lounge
- 300k travel insurance

CIMB Travel World Credit Card

- 12x lounge access with minimum quarterly spend
- 4D3N stay at Anantara
- CIMB lounge
- 1M travel insurance

Wondering if any sifus have both and got prefer one over the other?

Or are there any better suggestion CC that I'm missing out on?

Thanks in advance all!

PB Visa Infinite, World Mastercard, Visa Signature
RHB Visa Infinite, World Mastercard, Visa Signature

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: Preferable (Okay if minimum swipe/spending part of the condition to get free fees

3. Card required for: Cashback

4. Existing credit cards (if any): Maybank Ikhwan Mastercard, Maybank Ikhwan Amex

5. Interested in CC from: Any

6. Others: Max out CB for both card. Looking another cashback card

7. Spending behavior:
*normal month spending amount. Festive or balik kampung time tend to use more

Ikhwan Amex (~2k monthly)
- Online shopping (Shopee, Lazada, etc)
- Monthly subscription (Netflix, YouTube, Spotify, etc)
- Bills (which accept Amex)

Ikhwan Mastercard (~3k monthly)
- Petrol
- Groceries
- eWallet
- Monthly commitment (PTPTN, PruBSN, etc)
- Bills (where Amex not accepted)
- Dining & retail purchase
- Paywave wherever available (mostly everything)

thanks for the 2 suggestions! I've looked into them and it seems like they are quite basic lounge access cards that can only access Plaza Premium Lounge and no additional benefits over the CIMB and UOB ones.

The RHB one does have golfing benefits with did pique my interests!

Consider:
Affin DUO+, Affin DUO, Bank Islam Visa Platinum-i, RHB Shell Visa.

Bank Islam Visa Platinum-i, auto-billing is it inclusive insurance?

Read the terms and conditions

https://www.bankislam.com/wp-content/upload...ACK-PROGRAM.pdf

I can't confirm as I charge my insurance premium and Nirvana installment to Alliance VS.

This post has been edited by nexus2238: Apr 17 2025, 08:37 AM

is it a duo card or can actually apply the visa only?

Not duo, can apply for Bank Islam Visa Platinum-i only.

I have this card, but I can't confirm also as I just received my 2nd statement.
Even I called to CS to confirm when the CB will be credited into account, they just like
Moreover, I do not made any transactions after I received my statement, but the credit limit reduced RM200 from my statement.
So I asked when I asked about the CB. Guess what their answer: You have to wait until your new statement then we only can know.

I thought Bank should know what and when is that particular transaction, but they seems have no/less knowledge/training about CC

This post has been edited by ideaplus: Apr 18 2025, 01:10 PM

I am still figuring out the cycle of Bank Islam cb.

For example, statement dated 25th Feb. Then cb for Feb (in statement it says "Cash Back for Card xxxx - Feb") will show up in mobile app on 10th March.
For any month, I have yet to charge anything after statement date (eg 26 - 31st Jan, 26 - 28th Feb), so till today I still don't know if cb follow statement date or calendar date
But I do get full RM30 cb for RM1K spend, so no complaint.

Yes, I also find Bank Islam CS less than ideal.
During application, they never asked how high credit limit I wanted to apply.
They gave me > RM100K credit limit, which is 2.5x my monthly salary.
So I asked CS how to reduce credit limit. And they said must download a form, fill it up and submit to a branch
So I did all that > 1 month ago to reduce to RM10K. Till today still no action from them
Call CS, also blur.
One of this day, when I am around Jalan Raja Laut, I'm going to go to their HQ and sort it out.

This post has been edited by nexus2238: Apr 18 2025, 02:44 PM

Do update here once you have your new statement thank you in advance

Hi all, looking for credit card for airport lounge access and airmiles

1. Annual Income: 150k abv

2. Free Lifetime Annual Fee: as long as can call to waive is good enough

3. Card required for: airport lounge access KLIA and worldwide would be good, air miles or can convert points

4. Existing credit cards (if any): alliance visa infinite(main), mbb barcelona

5. Interested in CC from: no preference

6. Others: any extra benefits are welcome.

Since your CB is dated on 10th, did you see the March's CB shown on 10th of April?
Your monthly salary is more than RM40k? So you reduce 90% of the approved CL, but can I know your reason? As normally people want higher CL but you volunteered to reduce own CL

Certainly

Yes. March statement on 25th March. Received RM30 cb for March on 10th April.

Luckily working for MNC.

I have a few cb cc. Affin DUO+, Alliance VS, Bank Islam Visa Platinum, Maybank 2C, RHB Shell Visa - for local spends cb, I keep credit limit low like RM10K.

Bank Rakyat Explorer (hotel), BSN Visa Cash Back (other overseas spend) - for business trip overseas spends cb, credit limit higher like RM30K as expense re-imbursement from company take time to process. I charge around RM10K combined on these 2 cards every month.

Only Ambank VI which I keep for lounge access and personal emergency has high limit.