mbb ikhwan mastercard
mbb ikhwan PETRONAS visa... ignore this if u too loyal with shell
m2c amex

Check out UOB One Platinum.

Buy Shell vouchers at Fave.

maybe too loyal to bonuslink

Not really. Bonuslink is not really worth it nowadays. Just that Petronas station nearby my area is congested most of the time compared to Shell.

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.

Can consider CIMB Petronas VI-i
no annual fee.
4x PPL access per year.
cb:



This post has been edited by nexus2238: Jul 23 2025, 08:24 AM

ahh thanks!
but i dont pump petronas, sadly.

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

Depends on whether you want to travel, and how much your annual expenditures are on your cards.

Low spender + don't fly = better off with cashback.
High spender + travel = points for air miles.

usually card spend around 4-6k per month.
i think air miles dont really suit for the spending pattern, probably just collect points for redeeming items etc.
mainly just want to change to a better daily card than the mbb manu.
just saw the aeon biker looks not bad.

Air miles is the only thing worth redeeming with points, IMHO.

Maybe break down what you spend, and where on a monthly basis? That'll be easier to identify what cards suit you best.

if you monthly spend is RM4-6k, with combination of cc, it is quite easy to get 3% to 4% cb per month.
That's RM120 (3% of 4k) to RM240 (4% of 6k) cb per month.

Some find it appealing, some find it troublesome to play.
It's your personal preference lah

i see, as i know if high spender like 10-20k per month only worth to invest on airmiles right? not too sure on this, which card would u recommend if focus on points?
usually usage more on dining, retails etc.

yeah looks like quite hassle to keep track if using multiple card to utilize the cashbacks. which card would u recommend if focus more on points?

It depends on your needs. Some people don't go holidays, so accumulate airmiles also useless. For me, I love travelling in business class, so miles to me are important.

which card do u recommend if were to maximize airmiles benefits?

It is getting harder now. No more nice cards and I haven't really studied yet after the revision.
I currently have HLB VI, Ambank Enrich VI, Alliance VI, UOB VI and UOB PRIV Miles Elite.

I already cancelled CIMB TWE, M2Premier, SCB Journey.

yeah the latest revision really bad, especially for the Alliance VI. it looked like a perfect all in one card lol.
btw how do u waive the UOB AF ? wanted to get UOB, but has high AF on the zenith card.

and is it true, since u have many cards, will also affect your future car/house loan?

I didn't get to waive yet because I was given with free AF for 2 years or 3 years when I applied. Zenith is the card I'm still considering. I might even consider AmEx Plat which has RM 3k+ AF if I manage to maximize my spending.

I used to have more >30 cards, now only around 22 cards or something. Never had issues with loans. However, my last hire purchase loan was in 2020 and mortgage loan in 2017 but that time I had > 30 cards.

great to know that.
im guessing you're using some cards just for lounge? whats ur main daily usage card? probably just follow u

I hardly use for lounge because I always travel in business, so lounge is provided.
However, if I need to, I used to use CIMB TWE PPF but now UOB mostly for normal PPL. I travel from KLIA most of the time, hardly from KLIA2.