QUOTE(HouLeiiShytt @ May 7 2025, 10:51 AM)
Hi Sifus, requesting for credit card recommendation, preferably Air Miles, currently looking at Alliance VI and HLB VI
1. Annual Income: RM120K and above
2. Free Lifetime Annual Fee: Good to have. If not, best to have waivable conditions.
3. Card required for: From high to low - Insurance, Utilities (Telco, Unifi), Physical F&B, Petrol thru Setel, e-commerce, Overseas spending
4. Existing credit cards (if any): MBB FC Barcelona Visa Signature, PIBB Visa Platinum, CIMB eCredit Card
5. Interested in CC from: Any
6. Others: Prefer Air Miles, Cash back also acceptable
For Insurance Payment, you can look at Affin Duo. This is one of the very very few cards that still gives cashback for insurance payments today.
Get the MBB 2 Card Amex for weekend cash back and make your utility payments through Lazada.
For overseas spending you can consider Ambank Enrich Visa, if you are worried about the annual fee, suggest you go for the Platinum card instead of Infinite.