1. Annual Income: RM92k

2. Free Lifetime Annual Fee: Preferable free or waivable. Or not too expensive per year (<200)

3. Card required for: Cashback (Groceries/Retails, Petrol, Utilities, E-wallet, online shopping and dining) (CC that commonly support 36 months installment is preferred), Insurances, Airmiles (If got lounge benefits better).

4. Existing credit cards (if any): Been long time Maybank 2 Gold cards user. Plan to change for better reward.

5. Interested in CC from: Maybank is preferred due to existing TREATS points accumulated, or any card that support apple pay also will do (lazy to bring out card from wallet) [i.e Ambank / HSBC / Maybank / Standard Chartered].

6. Others: Looking to get better cashback epecially together with ewallet usage (TnG, Boost, Grab Pay).

Thank you in advance for your recommendation.

Not really ticking the boxes. Especially the apple pay part. Really lazy to bring even my wallet outside nowadays. Retails that dont have at least QR pay wont get any visit from me except warung or runcit for small quick shopping.

Right now I'm cosidering HSBC Amanah MPower Platinum i and HSBC VS. Any thought?

And is it worth it to upgrade MB 2 Gold to Platinum card? Can I keep the CC number after upgrading bcoz already set auto monthly payment in the card?

Thanks for the recommendation.

Really interested in HSBC M Amanah card. Cashback is trough out the week, unlike MB when cashback is for weekend pay/purchase. Can get points with money transfer to the ewallet too which MB does not offer. But the downside is the HSBC reward catalogue is really limited, unlike MB treats.

I guess I will stick to my MB2 Gold for now.