1. Annual Income: RM45K above

2. Free Lifetime Annual Fee: a MUST

3. Card required for: Petrol, online, dining, movie

4. Existing credit cards (if any): Citibank Shell card (Planning to terminate by year end since they have already charged me after 1 year 1 day. )

5. Others: Only looking for CASHBACK + annual waiver.

- The one I think fits into my category are Maybank and CIMB cash back.
- Won't be spending more than 2k so HLB is kind of out of question, plus they have annual fee.
- Have installment with HLB.

Any cards that fit or almost fit into my category? 2/3 is also acceptable.

Thank you.

1. Annual Income: around RM36K to RM50k

2. Free Lifetime Annual Fee: if 12 swipes to waive im ok too.

3. Card required for: petrol, online purchase, retail purchase, restaurant dining, cinema

4. Existing credit cards (if any): Maybank 2 VISA/AMEX, HSBC AMANAH

5. Interested in CC from: Any bank will do as long as they can fulfill my wish.

6. Others:
1) Need to make installment for 12 or 24 months if possible.
2) Would be best if got airport lounge access. not a must.

This post has been edited by Belphegor: Jan 26 2018, 10:27 AM

1. Annual Income: RM36K to RM50K.

2. Free Lifetime Annual Fee: A Must, else certain criteria (swipes) to entitle AF will do as well

3. Card required for: Cash Back/Rebate for billing, online purchase, AirMiles (optional but preferable).

4. Existing credit cards (if any): Maybank AMEX/VISA, Citibank Cashback

5. Interested in CC from: No particular interest.

6. Others:

1) Plan to terminate Maybank Visa since there's no cb, no cashrebate.
2) Citbank cashback but then havent send to me yet. Almost one month didn't get the card.

1. Annual Income: RM 48K

2. Annual Fee: Free / Waived by meeting certain criteria

3. Card required for: Retail and online spending, petrol, cash back on auto billing if possible

4. Existing credit cards (if any): Maybank (AMEX/VISA)

5. Interested in CC from: Any bank

6. Others: Planning to cancel all the existing card(s) and only focus on one as my spending power not that high. AMEX is generally okay for me but only cashback during weekend, which puts me off. Will be using it to do auto billing on insurance, pay phone bill, petrol, dining and online purchase (Lzd, GSC, etc) which roughly around 800-1100/month.

This post has been edited by Belphegor: Dec 21 2018, 10:31 AM

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: Must (auto/condition)

3. Card required for: List all your needs: Petrol , Online , groceries , Entertainment, Dining, Travel (everything that accept credit card) to do cashback or additional points (MBB only)

4. Existing credit cards (if any): - MBB AMEX, HLB AA & GSC, and HSBC Amanah.

5. Interested in CC from: any

6. Others: want to replace the existing MBB amex since they going to change the ruling. Like no point to have their cards now.

Looking for cashback + points actually. Any other cards offering similar combo? Or any cards from Maybank is fine as well as many online merchants have MBB for installment