1. Annual Income: RM 36,000 - RM 40,000

2. Free Lifetime Annual Fee: Yes

3. Card required for: Shopping (Online & in store), Cash Back/Rebate, Travel, Petrol

4. Existing credit cards (if any): none

5. Interested in CC from: Any

6. Others: Will be my first credit card, so would appreciate more detailed recommendation

This post has been edited by ZeneticX: Feb 14 2018, 09:54 PM

this the pbb card?

https://www.pbebank.com/Personal-Banking/Ca...edit-Cards.aspx

both of them seems quite similar to me in terms of benefits. Mbb is amex + master card while pbb is visa + master

any specific reason that I should go for either of them?

1. Annual Income: 48k, incoming increment this year April

2. Free Lifetime Annual Fee: Best to have or at least got waiver

3. Card required for: Everyday spending, petrol, and CASHBACK

4. Existing credit cards (if any): Maybank Gold 2 Cards, Affin BHP Master Card

5. Interested in CC from: any bank

6. Others: I plan to cancel my Maybank 2 Card Visa this year and only hold on to my AMEX, but AMEX have limited merchant support and the cashback is only eligible during weekend spendings. So I'm now looking for any cards (VISA or/and Master) that I could spend any day on and still receive generous amount of cashback

This post has been edited by ZeneticX: Jan 4 2020, 03:02 PM

This reason alone is good enough to put any card applications that you have in mind on hold first, especially cash back cards

But for those who really need a card (eg: first credit card), just choose the best card applicable from your most used bank

PIB Visa Platinum

Affin Duo

1. Annual Income: RM130k+

2. Free Lifetime Annual Fee: Good to have, if not at least have to be waivable with condition

3. Card required for: In store shopping, ewallets, dining, online shopping, petrol, groceries (bolded are most important, preferably no minimum spent requirement)

4. Existing credit cards (if any): Maybank AMEX Gold, PB Quantum Visa, PIB Visa Platinum (intend to replace my Quantum Visa, then PIB Visa Plat once settled outstanding installment)

5. Interested in CC from: Currently looking at Alliance Visa Infinite

6. Others: I used to go for CC with good cashback, but it seems to be getting rarer these days and those used to have good cashbacks are getting nerfed eg: my PBB cards. So now I'm looking at CC with good point accumulation so at least I can use the points for redemptions or flight miles etc. If I missed out any good cashback cards do recommend me as well, still open to them

This post has been edited by ZeneticX: Jul 22 2024, 05:51 PM

Bump

This post has been edited by ZeneticX: Jul 22 2024, 05:52 PM