1. Annual Income:

2. Free Lifetime Annual Fee: must FOC, or those with easy waivers such as 12 swipes per year

3. Card required for: Overseas, hotel, travel

4. Existing credit cards (if any): currently using AEON Big Gold

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This post has been edited by akh2920: Feb 28 2019, 05:26 PM

1. Annual Income: not much concern, foreign currency

2. Free Lifetime Annual Fee: Free, or waiver with condition which is easily achievable

3. Card required for: Overseas spending, Grab car, KLIA lounge (can recommend separate cards)

4. Existing credit cards (if any): UOB YOLO, AEON Big Gold, HLB Essential, etc

5. Interested in CC from: Any

6. Others: Prefer real cashbacks instead of points


Can any sifu please kindly help to provide recommendations?? Thanks i really need it It has been such a long time since i was soooo familiar with credit cards and always give recommendations, now become an absolute noob already