Foreign site even though transaction in RM.
1% Cross Border Fee charged by bank

Read here:
https://forum.lowyat.net/topic/2519936

The thing is, when my dad bought the same ticket using his card there is no 1%. Both using the same bank but different card.

Not all banks charge 1% Cross Border Fee.
Which bank card you used? Hong Leong Bank, CIMB, Standard Chartered, Bigpay?

Both CIMB, 1 got charged 1% 1 didnt.

Because your dad used a prestigious travel card,
If he used a normal credit card, CIMB would charge 1%.

ur bank islam cc application need go branch do thumb print?

Hi there, looking for a recommendation for credit card.

Annual income : 100k
Existing credit card : Maybank 2 card amex/visa, maybank ikhwan amex, affin duo
Main purpose : Cashback

Currently maxing out all credit card cashbacks
M2Amex - RM 50 (RM 1k spending , 5%)
Maybank Ikhwan Amex - RM 50 (RM 625 spending , 8%)
Affin duo - RM 50 (RM 1666.66 spending , 3%, with statement RM 3050 using BT)

After discovering the wonders of using Spaylater to maximize cashback, have been able to maximize all 3 cashback rewards.

My spendings per month is enough to get max cashback for all 3 cards, but i find that i have extra about RM 500- 1k (Varies every month depending on spending) every month that goes wasted as i cant get anymore cashback.

Can any sifu recommend a card where i can put that extra spending to get cashback?
The spending would be label as online as now i usually put all spendings into Spaylater.

Preferably a card that does not have minimum spending amount to get cashback as may not be able to consistently spend that amount each month eg. RHB Shell (minimum RM 2.5k spending for 5%)

Maybank FCB Barcelona VS

RHB Shell Visa
Top up RM2500 to ShopeePay then use it to pay Duitnow QR merchants or Spaylater.
But for Affin Duo Visa, spend RM1000 enough to get RM30 CB, no need to meet RM3000 monthly statement balance.
You don't have to use RHB-Shell Visa or Affin Duo Visa every month.

This post has been edited by ClarenceT: May 13 2025, 06:34 PM

Since you have RM 500- 1k (Varies every month depending on spending), why not try apply Bank Islam Visa Platinum

If i top up shopeepay RM 2.5k to pay off spaylater, then it defeats the purpose of using spaylater to use both my Amex cards.
Only reason i use spaylater is so that i can get cashback for my Amex cards as alot of merchants dont accept amex

Affin Duo - what i do right now is my insurance auto debits are all there, total RM 1.7k, then the balance of 1.3k+ i use their 0% Balance transfer to transfer both my amex card to the affin duo card so i can reach RM 3k+ statement. Win-Win situation to maximize cashback without extra spending

Ah. Thanks for recommendation, seems quite suitable for my need. At least can get 3% cashback there

Then use RHB Shell Visa to top up ShopeePay RM2500 every 2-3 months. Use ShopeePay to pay Spaylater debt (RM500-1k varying every month).
Eg Month 1 - RM2500, Month 2 - RM0, Month 3 - RM2500, Month 4 - RM0, Month 5 -RM0, Month 6 - RM2500 ...
Just need > 24 transactions to get annual fee waiver (RM195).

Also you can use ShopeePay to pay Duitnow QR merchants (including hawkers and kopitiams), but some Duitnow QR merchants may not allow Spaylater (eg Ecoshop).

This post has been edited by ClarenceT: May 14 2025, 06:52 PM

Yes, I remember I need to submit forms and do thumb print (MyKad verification) in branch.

How long does it take to get approve for your card? I submitted since 2/5 still no status

iirc, whole thing took close to 1 month. Apparently they tried to contact my company HR via phone to confirm my employment status but nobody picked up.
At the end, I had to request employment confirmation letter via my company HR website, then forwarded that letter to Bank Islam, then Bank Islam confirmed with my HR again via email (there must be better way to do this right? )

So it took 3 weeks from the date I submitted application till I receive SMS stating my application was successful. Then close to another week for Bank Islam to send the card to branch for me to collect.

Also cc statement is only available via email now. Can download statement from website and phone app only from July 2025 onwards.

This post has been edited by nexus2238: May 15 2025, 01:40 PM

Really speechless with the bank Provided EA form, EPF statement and yet said without payslip and employment confirmation letter cannot process the application. This is ridiculous! how the hell am I gonna dig back the physical employment confirmation letter back in 15 years ago

This post has been edited by virgoguy: May 22 2025, 03:16 PM

Employment confirmation letter is not the probation confirmation letter, nothing for you to dig back all the way to 15 years ago.
Just get your HR to give you a letter to confirm you are currently working for the company. It is a standard letter that all companies can issue.

is it the requirement for CC application now a day? as I understand the past CC applications, 1 EPF or 1 EA Form settled

Some banks can be quite strict, it is not a standard document.
I had the same issue when I applied for Alliance bank.

Hi guys pls recommend:
1. Annual Income: RM120k-150k

2. Free Lifetime Annual Fee: waived

3. Card required for: airmiles/lounge/points reward

4. Existing credit cards (if any): solely Maybank Grab now. previously gx for unlimited cashback

5. Interested in CC from: any u guys recommend

6. Others:
Monthly minimum spends RM10k up to 30k (usually I pay on behalf of my company utilities, which will reimbursed later)
Frequent work trips between East/West Malaysia
1-2 times annual international trips with family.

Main goal: Maximize air miles + airport lounge access. Also open to any reward points card where i can redeem coffee machine/ipad etc etc.

Thanks!