1. Annual Income: RM120K to RM180K and above

2. Free Lifetime Annual Fee: YES . (But understand that most good cards have annual fees, preferred waivable with MAX 50-60k spending)

3. Card required for: Want a better local spend daily usage card.

4. Existing credit cards (if any): Currently using Maybank MANU card for daily needs.

5. Interested in CC from: looking for a premium good looking card, with better daily spending benefits. (points or cashbacks).

6. Others: Have alliance VI, and ambank VI for lounges benefits. Since Alliance VI has nerfed the daily benefits, will just keep those for lounges benefits.

ahh thanks!
but i dont pump petronas, sadly.

anyways, does cashback benefit alot? or should just focus on points?

usually card spend around 4-6k per month.
i think air miles dont really suit for the spending pattern, probably just collect points for redeeming items etc.
mainly just want to change to a better daily card than the mbb manu.
just saw the aeon biker looks not bad.

i see, as i know if high spender like 10-20k per month only worth to invest on airmiles right? not too sure on this, which card would u recommend if focus on points?
usually usage more on dining, retails etc.

yeah looks like quite hassle to keep track if using multiple card to utilize the cashbacks. which card would u recommend if focus more on points?

which card do u recommend if were to maximize airmiles benefits?

yeah the latest revision really bad, especially for the Alliance VI. it looked like a perfect all in one card lol.
btw how do u waive the UOB AF ? wanted to get UOB, but has high AF on the zenith card.

and is it true, since u have many cards, will also affect your future car/house loan?

great to know that.
im guessing you're using some cards just for lounge? whats ur main daily usage card? probably just follow u

nice man, CIMB TWE too overpowered for me haha. will apply the petronas VI first, and see how.

i think u probably have all the available cards already. haha.
which card gets u the most points for ur miles collection so far?

mainly the UOB VI or PME?

alright will try to apply that as well.

how do u juggle on all ur cards AF? lets say if we dont hit the minimum spend to waive, stiill can call to waive AF?
Alliance told me that can just call and waive it, not too sure is it true.(for the VI)