Hi guys,

Thinking of cutting the Stan Chart JOP before it changes to Simply Cash next month.

1. Annual Income: RM70K

2. Free Lifetime Annual Fee: Yes, or at least easy to get AF waiver

3. Card required for: Cash Back/Rebate, : 90% ewallet + 10% dining/shopping

4. Existing credit cards (if any):
Myself: Current JustOne ( which i am looking for replacement) Cashback + Cimb ecard for Point
normal practice is to max out Just One quota then use Cimb ecard for unlimited point

My spouse have Maybank barcalona + Mpower cash back card. not sure if 1 family take same card is agood idea?

5. Interested in CC from: Cash back card to replace Just one as i mainly use ewallet ( i cant think of anything to be able to replace it yet)


btw top up into bigpay card also consider e-wallet?

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs.
Looking for 2

1.Cashback, my main use most in ewallet for other transaction

2. Unlimited point . Backup card use for high payment stuff (which already cap in Cashback card)

4. Existing credit cards (if any):
1. Cashback card SCB simple (previously called Justone)
2. Point card Cimb e point

Looking for better card (if there is)

This post has been edited by Koranshita: Mar 7 2024, 11:26 PM

interested to get the UOB EVOL Card. But 1st year waiver annual fee.
Anyone manage to get consistance annual fees waive on second year and above?

what the condition to get waiver?