1. Annual Income: RM60K to 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
- Public Bank Quantum Visa and Master
- HSBC Platinum (supplementary)

5. Interested in CC from: Any

Plan to terminate Public Bank Quantum Visa and Master since their cashback super hard to entitle, and upon terminate they give me cash back RM 25 SST for both card. And also plan to terminate UOB Lazada as they also cash back RM 25 SST

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 Public Bank and UOB Lazada, thanks in advance

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

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

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