What is currently best cash back card and best treat point card?

Usualy high cash back had low treat point and viceversa.

so if can suggest I card high cash back and 1 card high treat point earn it would be much appreciated.

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: good to have, not a deal breaker

3. Card required for: List all your needs: eWallet, Groceries, Insurance, eCommerce, Cashback, Rebate, Overseas Transactions while Travelling

4. Existing credit cards (if any): N/A

5. Interested in CC from: N/A

6. Others: Looking for first credit card.

1. Annual Income: RM70K

2. Free Lifetime Annual Fee: good to have, not a deal breaker

3. Card required for:

Focuses on Cash Back 1st, Points 2nd.
Living with my in laws, so Groceries is priority.(Estimate 1k-1.5k)
Petrol (Currently using Setel) (160-200)
Bills (TNB, Air Selangor, Indah Water, Unifi, Digi)
Hire Purchase (RHB)
eCommerce (Shopee. Lazada, Zalora etc)
Subscription (Netflix, Youtube, Amazon Prime)
eWallet (TNG)
Grabfood
Wife Student Loan (MARA)

4. Existing credit cards (if any): N/A

5. Interested in CC from: N/A

6. Others: Looking for first credit card.

For groceries and petrol, looking at:
-Maybank Islamic Mastercard Ikhwan weekend,
-PB Quantum Visa for weekdays.

eCommerce using PB Quantum Mastercard.

Any suggestions to maximize cashback for paying bills, subscription, eWallet and Grabfood? Bills not in my name, either my wife @ MIL. I still using prepaid.

In addition, which card is good for buying items using installments? Thinking on upgrading some items in house in long term(Furniture, TV etc), as waiting for my 1st home for completion.

Lastly, when applying credit card from different banks at same time (for now thinking on Maybank Islamic Mastercard Ikhwan and PB Quantum Visa), how many application would it take to affects your credit score?

1. Annual Income: > RM90k

2. Free Lifetime Annual Fee: YES

3. Card required for: List all your needs: eWallet, Dining, Groceries, Insurance, eCommerce.

4. Existing credit cards (if any):
a) MBB Barcelona (1% want cancel ady)
b) PBB Quantum (5% ewallet reload)
c) PBB Visa Platinum (4% ewallet reload)

5. Interested in CC from: N/A

6. Others: N/A

MBB Pay insurance have cash back,PBB no cash back insurance.have any card intro ?

Yes autodebit…Affin insurance & petrol also have ?

. Annual Income: >60K

2. Free Lifetime Annual Fee: good to have
3. Card required for:

most important is for getting online purchase "other category" spending cash back
i want the most cash back from this category and hopefully no cap
Petrol cash back come in 2nd

4. Existing credit cards (if any): UOB

5. Interested in CC from: N/A

6. Others:

Hi guys

need some help/recommendation

1. Annual Income: > RM90k

2. Free Lifetime Annual Fee: YES

3. Card required for: general usage, basically I want to find a card with free supplementary card for my spouse

4. Existing credit cards (if any):
-maybank 2 platinum amex (visa already cancel)
-citibank premier miles (planned to cancel soon)
-public bank visa signature
-standard chartered smart (will cancel soon)

5. Interested in CC from: N/A

6. Others: N/A

1. Annual Income: RM64K

2. Free Lifetime Annual Fee: good to have

3. Card required for: List all your needs: T&G eWallet, Shopee Pay, Online shopping (especially 11.11 sales)

4. Existing credit cards (if any): N/A

5. Interested in CC from: N/A

6. Others: Is there any cashback cc if possible
Thank you

this other cashback category

May I know the estimated value of Alliance points?
Eg: 1,000 or 10,000 can exchange for what? Or how much voucher value can get with every 1,000/ 10,000 points?

Thanks ya!

Thank you @Human Nature!

I found that Lotus/ Giant RM100 voucher = 60,000 points
Meaning that if you top up eWallet (8x points), the value of rebate is about 1.33%

(60k/100)/8 = every RM1 rebate = spend RM75
RM1/75 x 100% = 1.33%

Correct me if the calculation is incorrect :-)

PS: Currently I own UOB Yolo (5%), Citibank Cashback (10%) & PBB Quantum Visa (5%)** so in my opinion, 1.33% is not so attractive.
**all subject to respective bank T&C

This is good, min income 60k pa right?

which card now good for groceries. Recently cancelled MBB Visa signature due to the annual fee and not meeting the minimum spending requirement

1. Annual Income:
2. Free Lifetime Annual Fee: A must
3. Card required for: Petrol and Groceries
4. Existing credit cards (if any): MBB Barcelona and PBB VS
5. Don't want to have min. spending requirements every month.

Any suggestions folks?

Thanks !
What about UOB One Platinum ? It seems to meet my requirements above but need to call CS for annual fee waiver? anyone ?

Hi all, I need some suggestions on HSBC credit cards. Looking to apply for HSBC card through RinggitPlus to get their sign up offer gift (Galaxy Buds 2) as it only require to spend RM1k within 60 days to fulfill the requirement, but sadly HSBC cards doesn't seem too interesting though. Need you guys' opinion.
1. Annual Income: RM60k.

2. Free Lifetime Annual Fee: Yes / Auto waive

3. Card required for: Don't know.

4. Existing credit cards (if any): Public Bank Quantum (QV & QM)

5. Interested in CC from: HSBC Platinum / HSBC  Amanah MPower Platinum Credit-Card -i

6. Others: I have been using Public Bank Quantum for almost a year now and don't quite able to fully capitalize on the cashback every month consistently. So this 'new' HSBC card is just an extra spare card or maybe beneficial for emergency use when we can travel to overseas again.

Hi guys, need some help on finding a CC like :

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Yes / easy to waive even without reaching minimum annual spent

3. Card required for: Free plaza premium lounge access

4. Existing credit cards (if any): MBB infinite, Alliance infinite

5. Interested in CC from: no

any recommendation for credit card for cashback purpose? it will be great if it also include ewallet top up