After being so outdated in cc cashback, i'm here to seek opinions on my existing cards.

Annual Income: > RM 100k

Free Lifetime Annual Fee: Waivable is acceptable

Card required for: Online shopping (90% spaylater), ewallets topup, dining, petrol

Looking for: Cashback, not into air miles

Existing credit cards (if any):
1) MBB M2 Amex - 5% on weekend max RM50
2) MBB Amex Ikhwan - 8% online (mainly spaylater) max RM50
3) MBB FCB VS - 1% (mainly insurance auto debit, around 4-5k/yr, enough to cover tax and earn little )
4) Aeon Big Visa Gold - 2% online max RM15
5) PBB Islamic Visa - 2% online max RM15 (planning to cancel b4 next anniversary)
6) PBB Quantum Master (mainly for PBB promo, enough to cover tax)
7) PBB Visa Signature - 2% online max RM30
8) UOB One Master and Visa - Grab reload, petrol, dining (RM30 per month each but going to cancel b4 next anniversary due to AF)

Any recommendation to replace my cards (especially #3, #5 and #8) above based on same spending pattern? TIA

This post has been edited by alexwsk: Sep 16 2025, 03:29 PM

used to hv uob evol but cut dy
will have a look at affin duo and duo+, thx

apply at branch? because i tried website cannot select eon vs

This post has been edited by alexwsk: Sep 21 2025, 05:01 PM

u guys are just amazing, even before mass launch already knew about it