1. Annual Income: RM50K to RM55K

2. Free Lifetime Annual Fee: A Must (waive with conditions is acceptable)

3. Card required for: Any purchase, but mostly spend on Dining, Groceries, Petrol, and Online Purchase.

4. Existing credit cards (if any): M2C Amex + Visa, Public Bank Quantum MasterCard

5. Interested in CC from: Any besides card from UOB and CIMB

6. Others: Finding a card to replace my Maybank2Gold Visa (card applied before September 2018), planning to cut it off since not much benefit from there.

- Preferable to have card that I can use to pay when my CB from PBB Quantum MC fully and M2C Amex are utilized.
- Would be great to have card that widely accepted for installment like Maybank and Public Bank.
- Good to have reward/cash back for top up ewallet for my normal usage (not for "recycle")

This post has been edited by CoolCatToM: Oct 17 2019, 11:29 AM

Thank you for your recommendation.
Should I go for Citibank Cashback or Cashback Platinum?

This post has been edited by CoolCatToM: Oct 17 2019, 02:49 PM

1. Annual Income: RM60,000.

2. Free Lifetime Annual Fee: Free / Waived with conditions

3. Card required for: Mainly for ewallet top up for normal usage.

4. Existing credit cards (if any): Maybank 2 Gold Amex/Visa, Maybank Barcelona Visa Signature, Public Bank Quantum Mastercard

5. Interested in CC from: Any bank

6. Others: I always fully utilize my Public Bank Quantum for online transaction and got nothing when I top up my ewallet. Hope can I get a card that's good for ewallet top up (for normal usage) especially for GrabPay. Preferable collect reward point with better air miles conversion rate.

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.