1. Annual Income: RM150K and above

2. Free Lifetime Annual Fee: Doesn't matter.

3. Card required for: List all your needs: Airmiles or cashback, whichever give higher value. (For example if the airmiles converted into cash value is only 1% of every dollar spent, but cashback is 1.2% then cashback is better value)

4. Existing credit cards (if any): SC Worldmiles

5. Interested in CC from: Not sure

6. Others:

I run a business that I want to pay all the expense with my credit card to earn the points, most of the spending are to oversea company, for example facebook advertising. The business expense are about 10k~20k per month, and might be growing to more expenses.

This post has been edited by GreaterFool: Aug 26 2018, 06:49 PM

Thanks to you fly126 for the reply, I've revised my credit card combination


After a careful consideration, here's my card:

1. Maybank 2 Cards Premier Maybank Official Page | iMoney
I'll be using this card to accumulate TP that can be converted into Air Miles, this AMEX card earns about 1 Miles per RM0.954 spent. (But not on utilities, education, and petrol.)

2. Standard Chartered WorldMiles World Mastercard SC Official Page | iMoney
This is the second card I will be using to collect Air Miles for Overseas spending, it collects 1 Miles per RM1.33 spent, although it doesn't earn as much as Maybank AMEX Reserve, but Maybank card has 2.5% conversion markup, while SC only have 1%, although Maybank are still better to consider whenever the value for the miles are MORE than the paid % in markup, but sometimes it will depend on the forex rate.

>Basically this will be my backup card to collect air miles.

3. Petronas Maybank Visa Platinum Maybank Official Page | iMoney
This card earn 8 TP per RM1 spent on petrol at weekend, and convert 10.6 TP to 1 EM, meaning it earns 1 Miles per RM 1.325 spent, it's quite close to Maybank Visa Signature (RM550/yr), but this is free without monthly CB CAP, so I choose this for petrol.


4. Alliance Bank Visa Gold Alliance Bank Official Page | Ringgitplus
I'm considering if it's worth the hassle to apply this card just to pay my utilities bill, as it earn 2 TBP per RM1 spent, 6 TBP = 1 Enrich armiles, meaning it gets me 1 miles per RM 3 spent, i value enrich miles at 0.05 each, so that's like 1.67% return, doesn't sounds a lot, so not sure if it's worth the time, unless I can find some other CB card for Utilities.



I have a few more questions:
1. Does it get me the 5X TP if I pay my housing loan and insurance with Maybank 2 Cards AMEX Reserve? Or do I need another credit card for that?
2. Did I miss anything or any other card I should have in my combination?

Enrich Airmiles conversion rate for Maybank: https://www.malaysiaairlines.com/my/en/enri...ds/maybank.html
Basically, for the AMEX Reserve, it is 4.77/miles, for the normal card it is 10.6/miles


This post has been edited by GreaterFool: Aug 29 2018, 01:56 AM