1. Annual Income: RM130k

2. Free Lifetime Annual Fee: OK if getting it waived is fairly easy

3. Card required for: Looking for something to use when I have maxed out the cash back of my Citibank card, good cashback / rewards for online purchases

4. Existing credit cards (if any): Maybank 2 Card AMEX, Citibank Cash Back

5. Interested in CC from: HSBC Visa Signature, Citibank PremierMiles

6. Others: Air miles redemption would be a plus

Hello everyone,

1. Annual Income: >RM70k

2. Free Lifetime Annual Fee: Free or Auto Waived, or any

3. Card required for: petrol, occasionally for travels and online purchase

4. Existing credit cards (if any) : no cc

5. Interested in CC from: any

6. Others: also interested in cashback and rewards

for petrol (rm250~350),
ewallet (rm200),
online shopping (100~300)
groceries (rm300~rm500)
going to spend some money on harvey norman for my new house furniture, not sure if there is cc benefit for this purpose?

1. Annual Income: RM80K

2. Free Lifetime Annual Fee: if available

3. Card required for:
- misc spending. looking to replace Maybank Barcelona card

4. Existing credit cards (if any): PBB VS, Quantum, MB Amex.

5. Interested in CC from: Any

Hi, looking to get my first credit card.

1. Annual Income: RM32k - RM45k (32k is my basic, I get the extra from freelance)

2. Free Lifetime Annual Fee: Must

3. Card required for:
- eWallet (Grab / TNG)
- Online Shopping (Shopee / Lazada)
- Online subscriptions (Adobe, etc)
- Retail
- Dining

4. Existing credit cards (if any): None

5. Interested in CC from: - 

6. Others: I'm just looking for best returns (be it cashback, airmiles, etc). I mainly use Maybank as main bank, CIMB as secondary.

never had a credit card only company employees  amex for business purposes  , can reccomend what is the best cc for cashhback , petrol , groceries , dining and daily spends..

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: yes (but will consider fee if able to waive)

3. Card required for: Cashback for ewallet transaction (tng & boost), groceries, insurance payment (optional)

4. Existing credit cards (if any): PBB Visa Signature, UOB One Card

5. Interested in CC from: any

6. Others: No requirement for minimum spend to earn the cashback

1. Annual Income: RM52K

2. Free Lifetime Annual Fee: No annual fee (local bank)

3. Card required for: shopping (buy clothes), petrol

4. Existing credit cards (if any): HSBC platinum credit card

5. Interested in CC from: Maybank FC Barcelona Visa Signature

6. Others: N/A

Hi sifu, can help recommend me cards with below stats?

1. Annual Income: RM39K

2. Free Lifetime Annual Fee: Prefer no annual fee, but I'm up to calling CS annually to waive

3. Card required for: Daily spend (groceries), ewallet, online shopping (currently using BP to collect point, ok to change to CC if CC has better benefit than BP) & PTPTN

4. Existing credit cards (if any): HLB Essential (CB for my insurance)

5. Interested in CC from: International bank if can (just preference) ok to use local bank also as long as I don't have to keep bugging CS asking for missing points

6. Others: Was thinking of getting a card that collect points as I already had a CB CC, public transport user so do not need card for Petrol

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: Waived or Waived with conditions e.g., no. of swipes/ min spend

3. Card required for: (Cash Back) Online bills payment, petrol (Petronas Setel app), online/offline shopping, Shopee, eWallet, insurance

4. Existing credit cards (if any): CIMB Cash Rebate Platinum Credit Card

5. Interested in CC from: any (Prefer Cash back cards), Maybank Visa Signature

TIA!

dear forumer,

1. Annual Income: RM200k

2. Free Lifetime Annual Fee: No annual fee (local bank)

3. Card required for: shopping, petrol

4. Existing credit cards (if any): none

5. Interested in CC from: not sure

6. Others: i'm a commission earner, no fix salary hence last time i went to maybank they ask me so many documents.i want to get credit card to boost my ctos score.

1. Annual Income: RM 90k

2. Free Lifetime Annual Fee: Waived or Waived with conditions e.g., no. of swipes/ min spend

3. Card required for: Most of spending use on card,

Telco: RM 500+
Petrol: Avg RM 500 / month
Groceries: Avg RM 1000 / month
E-Wallet: RM 100 - RM 500 / month
Utilities Bills: RM 500+-

If got Plaza Premium Lounge access will be a bonus after pandemic can use it.

My Avg usage of CC around RM 30k to RM 50k cause most of my bills i set to autodebit to CC and also shopping or hospital usage.

Prefer only one CC to consolidate all payment but if there is better option will consider it.

4. Existing credit cards (if any): HSBC Visa Platinum

5. Interested in CC from: Applied for Maybank VS (waiting approval) Looking for alternative in case got rejected

Hi all. Any credit card recommendation for someone above 200k annual income. I want best points conversion per RM spend. Looking at 2 options

a) airmiles conversion
b) Bank freebies for converting from points earned, or can use to convert at merchants. Sth like maybank treatpoints.

dear forumer,

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: No annual fee (local bank)

3. Card required for: shopping, TNB, house loan, telco around 1500/month

4. Existing credit cards (if any): none

5. Interested in CC from: not sure

looking for cashback card. (cash back from ewallet will be nice)

1. Annual Income: RM70K

2. Free Lifetime Annual Fee: No annual fee (local bank)

3. Card required for: bill (TNB,SAJ, maxis)- 3k ,shopping (shopee,lazada,taobao)-1k,petrol - 300

4. Existing credit cards (if any): Maybank 2 card, PB quantum

5. Interested in CC from: Any

6. Others: N/A

Please recommend any card to rebate in bill payment or any replacement card

1. Annual Income: RM200k

2. Free Lifetime Annual Fee: No annual fee / free with conditions

3. Card required for: Petrol Petronas (600/month), e-wallet (1,000/month), utilities (600/month)

4. Existing credit cards (if any): Maybank 2 card platinum, Citibank Clear Card, CIMB Cash Rebate, CIMB Petronas Platinum, Standard Chartered Platinum

5. Interested in CC from: Any, preferably Maybank (ease of convenience)

6. Others: N/A

Please recommend any replacement cards to consolidate and reduce my cards while optimizing my spend

1. Annual Income: RM47k

2. Free Lifetime Annual Fee: yes (but will consider fee if able to waive)

3. Card required for: Cashback for ewallet transaction (tng,grab,etc), groceries, house hold appliances, petrol, bills

4. Existing credit cards (if any): none

5. Interested in CC from: Maybank if possible

6. Others: No

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: Must (Expenses low, 99% of the time can't waive)

3. Card required for: AirMiles, bonus if got Cashback; Spending mostly on GrabFood, groceries, petrol, ecommerce

4. Existing credit cards (if any): Maybank VISA Petronas Platinum

5. Interested in CC from: Any

6. Others: N/A

1. Annual Income: Sufficient to meet all (if not most) card requirements.

2. Free Lifetime Annual Fee: Must

3. Card required for: Daily expenses, utilities, ewallet top ups, online shopping. (100k+/year sometimes)

4. Existing credit cards (if any): PBVI and Citibank Premier Miles. Cut off my Ambank VI, citi prestige because it was hardly used.

5. Interested in CC from: mainstream(?) banks with good service (PB, MBB, Citi etc)

6. Others: Avoiding to hold too many cards. I've looked at some cashback cards but they tend to have too many T&Cs that I unfortunately skip them. Many have said miles are good but I have never tried redeeming them before. When I travel I usually buy J class fares straight away because I'm afraid the miles might not be enough for the whole family. Visa/MC is preferred as too few places accept AMEX. I'm more into cashback cards but open to any suggestions.

Dear all, I have below

UOB One Card
Affin VS
MBB Barcelona
MBB Amex
SCB normal platinum
PBB Platinum
HSBC normal platinum
Aeon classic

Can I know which one is best to direct pay TNB, or need to apply which card? any good method maybe ewallet?

Please don't suggest PBB Quantum card/PBB VS..  I can't apply due to personal reason.

1. Annual Income: ~RM45k

2. Free Lifetime Annual Fee: Must be free.

3. Card required for: Online/international purchases (e.g. Steam Games), Services (Celcom, dental, health, car maintenance), misc

4. Existing credit cards: Nil.

5. Interested in CC from: Banks that have good customer service. Preferably fee waiver is automatic since might forget.

6. Others: My main purpose of getting a credit card is to build credit score and get better fraud protection. I actually spend very little as I live with parents and my payments to family is in cash. In fact, the only consistent card payment I make is my celcom, which amounts to RM29 /month, so take this account as I may not qualify for some minimum spend/usage requirements for fee waiver.

1. Annual Income: RM35k

2. Free Lifetime Annual Fee: Yes please, but I'm okay with those come with conditions to waive it

3. Card required for: Online shopping, pay bills (Unifi, Celcom), Grab food, Physical retail (less often now due to covid)

4. Existing credit cards (if any): OCBC 365 Mastercard

5. Interested in CC from: Any

6. Others: I've 2 cards in mind: Affin Duo / PBB Quantum, in a dilemma which one to get. Nonetheless, I'm open to other options as well

Hi guys, im using my card for high transaction for company use, every month might use 10k to 20k a month. Sometimes even more.
Want to ask which card gives the best rewards.
Currently using Maybank Card. And i believe their conversion rate 500 Treats Points to RM1. Mainly use to redeem electronic items or spend in Harvey Norman.

Would like to know if there are better options of cards out there with better rewards options.

Hi all, looking for credit card recommendation for below spending:

1. Annual Income: RM85K

2. Free Lifetime Annual Fee: Preferred, but it's okay if got waiver

3. Card required for: List all your needs. Insurance 2K+, eWallet, Digi postpaid auto-debit, Unifi auto-debit, Utilities bills, Groceries, Petrol.

4. Existing credit cards (if any): MBB FCB, CIMB World Mastercard, UOB One card

5. Interested in CC from: Max CB

6. Others: Was looking at RHB Shell.

Looking forward if anyone has a better idea for the above spending?
Thank you in advance.

Hi Sifus, hope to get some help here for maybe a credit card or two

1. Annual Income: ~RM108k

2. Free Lifetime Annual Fee: depends, if the benefit outweighs this, than okay.

3. Card required for: Mainly overseas physical store transaction and maybe overseas online transaction

4. Existing credit cards (if any): Maybank Ikhwan (used to have OCBC titanium, cimb cash rebate and MBB2 platinum cards, cancelled and maintain the islamic one only... now need to go overseas again)

5. Interested in CC from: OCBC 365 for its "no markup" (or no bank fees for overseas transaction), and MBB2 Platinum Card

6. Others: I would like to find a credit card which is good for overseas transaction. I was thinking Maybank 2 Card for Groceries over the weekend for the 5% cashback and the OCBC 365 for larger transactions (around RM2k~RM10k per occasional transaction).

Not sure if these are the best though. Appreciate any opinions i can get.

Happy Merdeka Day!!

Hi Guys and Sifus, hope to get some suggestion from you all as I am currently looking for rewards/points cc~

1. Annual Income: ~RM80k

2. Free Lifetime Annual Fee if possible or if able to waive is ok

3. Card required for: Mainly for rewards points (exchange to airmiles) as I already having cashback cc..

4. Existing credit cards : MBB2 gold cards, PBB Quantum2 cards

5. Interested in CC from: HSBC, Citibank

Currently eyeing for rewards cc with HSBC Visa Signature and Citi Rewards Mastercard, appreciate your comment or better suggestion on this, thanks in advance ~~