1. Annual Income: RM100K above

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

3. Card required for: Want opinion if I should get another card for daily spending

4. Existing credit cards (if any):
MBB 2Card Amex: Using the AMEX for many years to get weekend cashback
MBB 2Card Mastercard: keep only

HSBC Visa Signature: I've been using this for many years for everything else, including Insurance autobilling, dining out etc. when I can't or don't use the AMEX. Also for PPL access.

5. Interested in CC from: Want to get the opinions of the experts here if I may be missing out on something.

Should i get another card for daily spending, E wallet topup (mainly touch n go), and just reserve the HSBC for PPL access? Although I will still need to use it to waive the AF.

Grateful for any opinions here. Thanks in advance

1. Annual Income: RM 120k (excluding 13th month, freelancing that reports to LHDN through e-invoicing RM6k) not too sure is this count as Annual Income as well

2. Free Lifetime Annual Fee: Prefer to have no annual fee or at least able to waive by calling customer service.

3. Card required for: TNG & ShopeePay, BT 0%, Installment Plan 0%, Cashbacks, Virtual Card CC not Wise or BigPay or TNG, as already have it.

4. Existing credit cards (if any):
MBB AMEX PLAT
MBB FCB VS
UOB ONE Plat
UOB EVOL
MBB Ikhwan AMEX
MBB Ikhwan MC
CIMB MC
PBB Quantum Visa
HSBC Amanah mPower
HSBC VS
Affin Duo CB V
SC JOP
Alliance VCC

5. Interested in CC from: Would need help to replace cards from HSBC as both cards got charged with Annual Fees with total up to RM800 and also SC JOP. Got rejected by RHB Shell.

This post has been edited by eternity4av: Aug 14 2025, 08:28 AM

Hi, this Bank Islam Platinum online spending..does it include e-wallet reload? Or just Spaylater only?

This post has been edited by Duckies: Aug 16 2025, 01:39 PM

Sorry, I am NOT SURE about whether e-wallet reload is eligible for cb for Bank Islam Visa Platinum.
Never try it.

Affin DUO give cb for e-wallet reload.

This post has been edited by nexus2238: Aug 19 2025, 08:29 AM

Is there a period gap needed to reapply again?
For example MBB KF annual fee hits, then you cancel the card. Can you reapply for the card again 1 week after cancellation to still get the 1st year free AF waiver?

6 months but approval is up to their discretion.

One week of course cannot, they will just reinstate the old card and need to pay for AF.

Ahh ok, thanks for info lol

1. Annual Income: RM150k and above

2. Free Lifetime Annual Fee: A Must. Ease of service rax rebate is definitely a plus.

3. Card required for: Lounge access. Mostly local is fine (penang,johor) but overseas lounge is fun. Want a minimum hassle lounge access card for the rare 1 or 2 times i travel for work. I am ok to apply 1 card and cancel 1 year later also.

4. Existing credit cards (if any): UOB ONE, mbb 2 amex

5. Interested in CC from: HLB VI, MBB WME. Ambank card?

6. Others: why MBB MWE just for some MWE perks. Recently cancelled hsbc vs.

Since you didnt mention you collect flyer miles, I assume they aren't important.

HLB VI is a good start - lounge covered Malaysia and Singapore upto 4x complimentary PPL. No annual fee. No min spend BS. Can keep in drawer.

The alternative is Bank Muamalat's Visa Inifite-i - AF waived for life, x2 PPL domestic (additional perk access into Plaza Premium First) and x1 PPL overseas, x2 Travel club lounge per calendar year.

The tricky bit is the overseas lounge. They either have some spend criteria or some make you jump hoops.

Aeon Big Visa Gold - AF (free with min 12 transactions per year, otherwise is RM 95), x3 per calendar year Lounge mainly Asia (Malaysia, Sg, Jpn, China, Taiwan, Indonesia, Thailand) with min RM 500 single or cumulative transactions within 30 days before and or after PPL entry date.

CIMB Travel Platinum - no annual fee, x4 Aiport lounge access (global) but the entry criteria are mind-boggling. (Cardholders will receive 1X lounge access per quarter with minimum quarterly spend of RM3,000.)

1. Annual Income: RM250K

2. Free Lifetime Annual Fee: dont mind AF if cashback is at least 5x AF

3. Card required for: international school fee rm3k per month

4. Existing credit cards (if any): nil

5. Interested in CC from: any

6. Others: -

1. Annual Income: RM70k

2. Free Lifetime Annual Fee: If possible then free, else no also ok

3. Card required for: Petrol, grocery, insurance, bill

4. Existing credit cards (if any):

- Maybank 2 Amex platinum (activated Amex only, Visa still inside the envelope and didn't activate)
- Maybank Shopee
- UOB Lazada

5. Interested in CC from: Any

Now mostly I use Maybank Shopee as upon I wave the card, I can get Shopee coins in Shopee then buy stuff or paid bill in Shopee

Looking for credit card to replace both UOB Lazada as it quite useless, only able to redeem the point upon I buy stuff in Lazada

Saw a lot of you recommend Affin Duo, but how it works? Can I just activate the VISA only?

On the other side, how about HSBC live+? seems not bad also

I might suggest you as listed below for CB, which I think you might prefer CB since you have MBB 2 Amex Platinum

Bank Islam Platinum
3% Cash Back for monthly spend from RM500 to RM1,499.99 for Online, Auto Billings, Grocery and Dining
You need to spend RM1000, then you can get the maximum of RM30/month
If your insurance is under Auto debit, it's eligible for the CB (which I tested, Great Eastern is eligible)

Affin Duo
More or less same like Bank Islam Platinum, but sorry to informed that you can't just activate Visa only.

Alliance Visa Signature
Spend RM3000 and you will get RM55.50/month. Quite easy for those lazy to think about the categories.

This post has been edited by ideaplus: Aug 28 2025, 01:29 PM

are you new cardmember of Maybank?
would be interesting if they did not charge SST on Visa card 3 months after approval date, according to their FAQ

for Affin duo, it is possible to activate Visa only


unless you have fully utilised/unable to utilise Amex, Affin duo should complement nicely

This post has been edited by 1mr3tard3d: Aug 28 2025, 02:59 PM

Alliance Bank VI has one of the most extensive PPL lounge access overseas.
There is AF now, but from what I heard is easily waivable by calling CS and performing few transactions.

Thanks for the recommendation, will consider affin duo and bank islam

as for alliance bank, I hardly hit RM3k

Not really consider new cardmember for Maybank, guess using around 2022 or 2023, cannot remember
And as of now still didn't charge RM25 SST for my Visa, and MAE apps still showing pending activation
Every month I easily fully utilized RM50 cashback for my Amex, that why thinking alternate cash back card

Miss old days Public bank quantum card, too bad benefit had change hence terminated

Though looking for HSBC Live+, looks like affin duo is the best

Btw how you all fully hit affin duo (visa) cashback?

This post has been edited by AlexisStarZ: Aug 28 2025, 10:31 PM

If you just focus on RM30 CB, then spending RM1000 is enough.
My scenario is I separated my whole family's insurance into 2, which are Affin Duo & Bank Islam equally.
You may top up your e-wallet if you want to maximise the CB, which is eligible (TnG and Shopeepay)

interesting, i'll try not activating it on next renewal
what do you spend on amex though? if online, you could check out maybank islamic amex

ya, terminated quantum visa too, no match for maybank fc barcelona

how is HSBC live+ fitting your need (dining, grocery, insurance bill)?
if you hardly hit RM 3k spending, how is 2% cash back attractive?

you could simply consolidate payment by applying 0% balance transfer from maybank to affin
and you will need around RM 1,667 spending in those eligible transactions (online, auto-billing...)
as long as you statement balance hits RM 3,000 (after cash back) from 2nd statement onwards

Ya I just want to focus on that RM30 cashback

If that is the case then will top up RM 1k into ewallet

I use spaylater then during weekend will paid using amex, pain 1k then easily can get RM 50 cashback

As for islamic amex, I though amex cashback is share between each other? correct me if I am wrong on this

Dear all need your recommendation:


1. Annual Income: >RM200,000

2. Free Lifetime Annual Fee: A Must, or waivable

3. Card required for: Cashback and Points

4. Existing credit cards (if any):
Maybank2Card
Affin Duo

5. Interested in CC from: Open to suggestions

6. Others: Looking for ways to maximize my cashback and points. Currently already maxed out M2C Amex (RM50) and AffinDuo Visa (RM30). If possible I want to reduce those "Must have 2 cards" because I want to avoid paying more SSTs. My current CC spending:

Petrol (PETRONAS): 400-500 - using Amex most of the time (weekend+weekdays)
Education (swipe): 500 (Affin Master/M2C Master)
Insurance auto-debit: 500 (Affin Visa)
Parking (online): 360 (M2C Master)
Groceries/Dining: 1500 (M2C master/amex)
Utilities: 300 (Affin Visa - online/ewallet)

This post has been edited by iamloco: Sep 1 2025, 08:13 AM

Your conventional and Islamic are shared limit? Mine are separated