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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

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Xflkekw
post Nov 22 2020, 01:10 AM

Getting Started
**
Junior Member
154 posts

Joined: Oct 2019
1. Annual Income: RM36k

2. Free Lifetime Annual Fee: Prefer free or Easy conditions to be waived.

3. Card required for: Online service subscription fees (e.g Netflix, Website membership, Malaysiakini subscription etc), Top-up e-Wallet, Dining, Petrol, Online shopping ( not frequent, probably once every 1- 3 months ).

4. Existing credit cards (if any): Nil. Just started working.

5. Interested in CC from: Open to suggestions.

6. Others: Looking for cashback on the expenses listed above. Which credit card would allow me to get the most value out of it?
Xflkekw
post Aug 5 2025, 04:32 PM

Getting Started
**
Junior Member
154 posts

Joined: Oct 2019
QUOTE(TechnoG @ Jul 29 2025, 08:38 PM)
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. sweat.gif

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.
*
Maybank Ikhwan Amex 8% Cashback on Online Spend. Spend 625 get 50 CB.

Use SPaylater on some of your dining or retail and clear SPayLater with CC.
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