1. Annual Income: RM180K

2. Free Lifetime Annual Fee: Preferably, but wouldn't mind if it isn't too expensive?

3. Card required for: cash back/rebate, petrol and lounge access

4. Existing credit cards (if any):
PB Quantum Visa and MC
PB Visa Signature
Maybank 2 Premier

5. Interested in CC from: 1 card for cash back + 1 card for lounge access, or an all in one card will be perfect too.

6. Others:
M2P was offered to me with 3 years free AF ending this December therefore I am looking to replace this card.
I’d also like to do some housekeeping as I’ve been using my Quantum cards for a long time. I understand that many of the benefits have been reduced, but I’m still using them.

average monthly spending,
petrol (petronas) - 150
utilities - 200
online spending - 300
retail/shopping (non-grocery) - 1000
dining - 1000

I will be more than happy with a card with heavy cashback + lounge access abroad since I don’t think I spend enough to benefit from air miles.

This post has been edited by TechnoG: Jul 29 2025, 08:42 PM