1. Annual Income: RM30k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol around 200-300 monthly, online shopping and grocery.

4. Existing credit cards (if any): Nil.


Would appreciate your recommendation. Thank you.

Guys, one noob question, is there a limit of the credit card amount can one have ?

May I know are you referring to this ? https://ringgitplus.com/en/credit-card/Mayb...-Gold-Card.html

Thank you.

Alright, noted on that, one more question, may I know when the statement will be sent , it is fixed for each bank at end of the month or we may choose for it ?

1. Annual Income: RM62k

2. Free Lifetime Annual Fee: Not necessary

3. Card required for: Petrol, Groceries, PTPTN repayment, Cash Back/Rebate, Installment plan for online/retail purchase

4. Existing credit cards (if any): Nil.

5. Interested in CC from: Nil

6. Others: It would be a plus if reward points are given as well

Thank you for the recommendation, may I know why 3 cards instead of either one of these choice ?

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: Would be a plus

3. Card required for: Petrol, Cash Back/Rebate Only, Groceries

4. Existing credit cards (if any): Maybank 2 Gold Master/Amex

5. Interested in CC from: Any

6. Others: Petrol spending roughly 250-300 per month and groceries 300 max, sometimes will buy stuff with 0% installment. With the revision of the benefit on my exisiting, should I still stick with it or is there any better alternatives ?

This post has been edited by Confession: May 27 2019, 09:30 PM

I have been using the Maybank 2 Gold/Amex for years and in particular liking their 5% cashback for amex on weekends. My only gripe is that Amex is only accepted in certain establishment.

Is there any other credit card that currently offers better than this? Thanks!

I'm looking for even more or the same amount of cashback offered maybe via a Visa/Mastercard that also can be used during the weekday. So in your opinion, this amex is still the best amongst the others?