Looking for Credit Card recommendation.
1. Annual Income: 70k to 80k
2. Free Lifetime Annual Fee: Free for Life / waivable
3. Card required for: Local dining and retail shopping, online shopping, ewallet (if possible, for bigpay and grab)
4. Existing credit cards (if any): Public Bank Quantum Mastercard (archive in my drawer already), Maybank 2 Gold Amex, Maybank Barcelona Visa Signature, HSBC Visa Signature, CIMB e credit card
5. Interested in CC from: Any
6. Others: Focus on Enrich mile collection
Want to focus more on Enrich miles collection, KF miles collection is a plus but not mandatory (since it's not convenient for me to fly from Kuching, long transit time at Changi Airport).
Currently in my mind is Alliance Bank VI with lounge access, and Hong Leong Bank Sutera.
But I'm still hesitating and not sure which one to choose.
My current thought for:
Alliance Bank VI
- Good for ewallet reload and online transaction, max capped at RM3000. But this focus more on online transaction. My BigPay top up can be utilized by my CIMB e Credit Card
- Unable to get good reward for offline dining and local retail spend.
- Using grab pay but not many place accepted in Kuching
- Considering this card because of PPL access at airport in Malaysia, my HSBC Visa Signature only allow me to enter KLIA Satellite Building PPL.
Hong Leong Bank Sutera
- Online shopping good reward limited to payment with GrabPay/Touch & Go, and Lazada/Shopee (which I shop the least).
- Good reward point for local dining, groceries, and essential (watsons and guardian)
- Unable to get good reward for normal online transaction
- No PPL access
- Unlimited reward point collection
Hopefully to get some inputs for my decision. Recommendation for other cards are welcome as well. Thanks in advance.
Bro I'm a user of sutera and they removed the lounge access recently. Conversion rates is 12000 cc points to 1000 enrich points. Which is myr 12 to one point. But based on our 8x. Meaning 1 myr spending x 8 multi =8 myr to 1 point