1. Annual Income: ~RM150K

2. Free Lifetime Annual Fee: optional, if waiveable also can

3. Card required for: cash back

4. Existing credit cards (if any): HSBC T1, Revolution Visa, American Express Capitacard (All 3 are SG cards)

5. Interested in CC from: Need Recommendation in Malaysia.

6. Others: Looking for cashback, mainly paying insurance premiums, taxi (grab and other platform), mobile topup, in future will be using for buying funiture.

so in sn short, affin duo should be enough?

any card for e-wallet topup? miles, cb
thinking for my hla360 and housing load auto deduct from card instead of from my saving as i would just pay my card at the last few weeks of the month.
i hardly save any MYR due to seldom use

btw i applied a lot of cards (HSBC/RHB/UOB) but rejected due to CCRIS being clean, no car and housing loan lol
probably need to wait for a year for my housing loan

This post has been edited by 1024kbps: Apr 13 2024, 04:53 PM

they did asked me to provide prove of income from SG but still rejected. my housing load will not start until august probably.
tried a lot of local bank almost give up.

Sg bank approve speed are crazily fast, applied on monday, card delivered on friday lol
the reason i dont use SG cards because the bank exchange rate are poor

Been using cardup for my rent, Citi can pay rent with CC but the rate is much higher, at 2.6, cardup only charge 1.75%
So far only my citi cc can earn points from cardup. been using for 4 months plus earned 4K miles, citi miles is expensive to earn with cardup compared to other cc.

Here's the guide for reference https://milelion.com/2025/04/19/full-list-o...codes-for-2025/
but it may be applies to Singapore user only.