nice man, CIMB TWE too overpowered for me haha. will apply the petronas VI first, and see how.

Petronas Islamic VI is a good card, I plan to get it too.

i think u probably have all the available cards already. haha.
which card gets u the most points for ur miles collection so far?

It was CIMB TWE before the revision, now UOB (for KF) and Alliance VI (EM), but again it got revised. I forgot that I also have the AmEx KF Plat for KrisFlyer.

This post has been edited by fruitie: Jul 23 2025, 04:32 PM

mainly the UOB VI or PME?

PME, but to me, both are almost the same.

alright will try to apply that as well.

how do u juggle on all ur cards AF? lets say if we dont hit the minimum spend to waive, stiill can call to waive AF?
Alliance told me that can just call and waive it, not too sure is it true.(for the VI)

It depends, some don’t allow so have to cancel. Some banks may retain, some may not. So apply again next time.

Is anyone using UOB World Card at the moment? Seems like it’s quite fast to gain points where 12x on ewallet top up and 5x on selected hypermarkets.

12x is only limited to RM300. Given you would only chase points for airmiles, this is pretty much useless.

Alliance VCC would be a better one for now at 8x TBP capped at RM3k.

1. Annual Income: RM100K above

2. Free Lifetime Annual Fee: YES or easily waive annual fee

3. Card required for: Want a better local spend daily usage card.

4. Existing credit cards (if any):
MBB 2Card Amex: using online only, physical card faulty. lol. Not call replace yet. (donno free replace or not)
MBB 2Card Visa: keep only
CIMB Petronas P: (CB60+60) everymonth
CIMB CashRebate: (CB30) everymonth
PBB VS Sign: (CB30) everymonth
PBB MasterQ: Normal use (Because No annual fee)
PBB Gold: Normal Use (Because No annual fee)
UOB One Card: (CB10+10+10sometime), grocery always no full, as SABAH no popular supermarket in UOB list

5. Interested in CC from: looking for ewallet or other use can get cashrebate or points. or replace what i can get more rebate

6. Others: Just Apply Aliance Virtual, being reject.

This post has been edited by Wolgie: Jul 26 2025, 09:37 AM

1. Annual Income: 60K
2. Free Lifetime Annual Fee: Yes, or easy to reach like 1 swipe per month
3. Card required for: general use, with lounge access
4. Existing credit cards:
- M2C AMEX
- UOB World : plan to cancel in 2026, once the 3 years AF waiver period is up.
- Alliance VI : applied back in april. plan to cancel once i receive promo gift.
- Alliance VCC : earn point by reloading tng > convert point to tng. any better use beside one-off purchases?
5. Interested in CC from: aeon gold, for easy to reach AF waiver and lounge access.

looking for general daily use card with lounge access to replace nerfed alliance VI. spending that new card will cover

groceries : 500-1000
utilities : 300
insurance : 500
dining/others : 500

Yes, if you aims for lounge access, AEON Gold is very easy, just make sure you spend RM500 30 days before / after lounge access.

The following don't have lounge access, but give you cb looking at your spending pattern:
Bank Islam Platinum - dining, grocery, online (utilities > POS Online > SPlater > cc)
Affin DUO - autobill (Insurance)

Bank Rakyat Explorer Platinum - lounge access, cb for hotels / airlines.

Affin DUO - 3% cb capped at RM30, e-wallet, autobill
Bank Islam Platinum - 3% cb capped at RM30 - online, dining, grocery (no restriction to which supermarket).
Affin DUO+ - 3% cb capped at RM50, contactless spend (can use in any supermarket as long as you keep each charge < RM250)

This post has been edited by nexus2238: Jul 29 2025, 09:29 AM

1. Annual Income: RM100K above

2. Free Lifetime Annual Fee: preferably or easy to waive annual fee

3. Card required for: upcoming house renovation so will have large spending and want to earn points

4. Existing credit cards (if any):
Alliance Visa Infinite
Am bank Enrich Platinum
Maybank Visa Infinite
HSBC Travel one (planned to cancel when free AF ends next year unless waived)
UOB World Card (planned to cancel when free AF ends next year unless waived)

5. Interested in CC from: looking for best card to collect points and change miles as renovation of large amount(100k++) can collect a lot points. so any better options card than above?

1. Annual Income: RM180K

2. Free Lifetime Annual Fee: Preferably, but wouldn't mind if it isn't too expensive?

3. Card required for: cash back/rebate, petrol and lounge access

4. Existing credit cards (if any):
PB Quantum Visa and MC
PB Visa Signature
Maybank 2 Premier

5. Interested in CC from: 1 card for cash back + 1 card for lounge access, or an all in one card will be perfect too.

6. Others:
M2P was offered to me with 3 years free AF ending this December therefore I am looking to replace this card.
I’d also like to do some housekeeping as I’ve been using my Quantum cards for a long time. I understand that many of the benefits have been reduced, but I’m still using them.

average monthly spending,
petrol (petronas) - 150
utilities - 200
online spending - 300
retail/shopping (non-grocery) - 1000
dining - 1000

I will be more than happy with a card with heavy cashback + lounge access abroad since I don’t think I spend enough to benefit from air miles.

This post has been edited by TechnoG: Jul 29 2025, 08:42 PM

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This post has been edited by dimgai: Aug 4 2025, 09:55 AM

Maybank Ikhwan Amex 8% Cashback on Online Spend. Spend 625 get 50 CB.

Use SPaylater on some of your dining or retail and clear SPayLater with CC.

I think it is a good idea for you to drop HSBC and UOB:

HSBC Travel One - poor MPR especially local spend, sketchy PPL coverage.
UOB World - af waiver only if you hit RM 50K retail spend, poor MPR, i know there is the 125,000 UNIRM bonus points but you really need to follow a set of spend pattern (example e-wallet, grocery, local / overseas spend) too much hassle, PPL coverage only Malaysia.

In terms of PPL, your Alliance, Ambank and Maybank cards should cover you quite comfortably, if you are not a frequent flyer or fly to specific continent (like China, than you may want to consider cards example UOB Visa Infinite, has a lot of coverage in China).

Your next question is, what type of flyer miles program you want to focus on AirAsia, Qatar, British Airways, Cathay, Batik, SIA or MAS? Answer may vary according to flyer miles program.

Example:
(a) If you choose Enrich, then I would suggest HLB Visa Infinite:
Dining gives you RM 1 to 1 enrich point
Travel & Retail Shoopping RM 4 to 1 enrich point
Ohter spend RM 6 to 1 enrich point.

Please be mindful, if you renovation is paid via FPX/Jompay or subject to easy payment plan, likely you won't get any points. See this---> *Eligible Transactions (both local and international) EXCLUDE all Government/JomPay/ FPX transactions, QR Pay transactions via HLB Connect App, Cash Advances, Quasi Cash (betting and gaming related transactions), Quick Cash, Flexi Payment Plan, Auto Balance Conversion (ABC), Balance Transfers and any fees, and charges.

(b) If you choose SIA, then I would suggest MBB KrisFlyer (Annual Fee Waived for 1st year only)
7,000 bonus KrisFlyer miles on first card spend
*Applicable to only new first-time applicants of the Singapore Airlines KrisFlyer American Express® Credit Card
1 KrisFlyer mile for every RM 2.5 spent locally
1 KrisFlyer mile for every RM2 spent on online and overseas transactions
1 KrisFlyer mile for every RM1 spent on Singapore Airlines, Scoot & KrisShop website

Anyone knows which are the cards can access the Plaza Premium Lounge at the Dubai International Airport and Helsinki-Vaanta Internation Airport?