1. Annual Income: RM36k - RM60k

2. Free Lifetime Annual Fee: Free or Easily Waived.

3. Card required for:

Primary:
- Topup E-wallet (BigPay, Touch 'n Go, Boost, GrabPay)
- Cashback
- AIA Insurance (I am paying using BigPay now)

Secondary:
- Lounge access
- Online shopping


4. Existing credit cards (if any): None

5. Interested in CC from: Any bank

6. Others: I primarily need a credit card to build credit score. Salary is estimated and will fluctuate a little bit, however, I have RM3k basic every month at least. Worked for 7 months and total salary is about RM33k.

This post has been edited by XweienX: Dec 19 2019, 12:34 PM

Hey everyone, this time asking for my gf.

1. Annual Income: RM32,000.

2. Free Lifetime Annual Fee: Free

3. Card required for: just to have some credit record, probably petrol (petronas)

4. Existing credit cards (if any): Nope.

5. Interested in CC from: have bank accounts in HSBC, Maybank, CIMB, RHB so preferably from one of them.

6. Others: I would suggest MBB2cards to her but would like some other input as well.

Hello sifus, looking for CC reco for my gf

1. Annual Income: RM42k (RM3.5k/month)
2. Free Lifetime Annual Fee: Must
3. Card required for: Normal retail usage, online shopping, petrol
4. Existing credit cards: No
5. Interested in CC from: Any

Would prefer if there is good sign up bonus now. RinggitPlus ask her sign up PBB but gift is only RM200 Lazada voucher (I don't like that it is limited to lazada only)

1. Annual Income: > 96k

2. Free Lifetime Annual Fee: Not necessary, as long as CB can cover.

3. Card required for:
Cashback through:
- Bigpay topup (to double dip for GrabPay)
- If above cannot, then Grabpay
- at least 500 per month

4. Existing credit cards (if any): PB Quantum

5. Interested in CC from: N/A

Need another source since PBB removed e-wallet topup cashback.

Hi sifus, looking for credit card for airport lounge access.

1. Annual Income: RM112k

2. Free Lifetime Annual Fee: as long as can call to waive is good enough

3. Card required for: airport lounge access (KLIA2 more than KLIA1)

4. Existing credit cards (if any): AFFIN VISA cashback, HLB sutera platinum, PBB visa quantum,

5. Interested in CC from: no preference

6. Others: any extra benefits are welcome.


I heard from my friends Plaza Premium Lounge is like pasar malam now so better to take cards with their own lounges.

I've been looking at these 2 now:

UOB PRVI Miles Elite Card

- 8x lounge access
- free ride home from KLIA1 with 3 overseas transactions
- UOB lounge
- 300k travel insurance

CIMB Travel World Credit Card

- 12x lounge access with minimum quarterly spend
- 4D3N stay at Anantara
- CIMB lounge
- 1M travel insurance

Wondering if any sifus have both and got prefer one over the other?

Or are there any better suggestion CC that I'm missing out on?

Thanks in advance all!

thanks for the 2 suggestions! I've looked into them and it seems like they are quite basic lounge access cards that can only access Plaza Premium Lounge and no additional benefits over the CIMB and UOB ones.

The RHB one does have golfing benefits with did pique my interests!