1. Annual Income: > RM78K ++

2. Free Lifetime Annual Fee: Waived / As long as not too expensive

3. Card required for: Retail spend (Petrol/Grocery/Dining etc...), Online spend (Food Panda / Parking Fee / Shopee / Lazada), Utilities, Insurance, and e-Wallet

4. Existing credit cards (if any): PBB Quantum Visa&Master

5. Interested in CC from: Any

6. Others: Been using PBB cards for quite a long time .... even after the revised benefit. Was thinking of getting newer cashback cards that can be replaced or cover the missing area (Utilities/e-wallet).

Currently looking at HSBC MPower, Citi Cashback (Application Rejected) , Affin DUO Visa, but hoping for more recommendation.

Thanks to all Sifu-s in advance.

Wondering any good CC in 2024. I’m open to any suggestions.

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: waivable or not too expensive

3. Card required for:
Cashback/rebate
Petronas (<250/month)
Insurance payments - 250/month
Retail (as a backup to Amex)

Or
Good reward points redemption (best if can convert to cash voucher)

4. Existing credit cards (if any):
MBB 2 Plat cash rebate platinum (visa and Amex)
HSBC Plat Visa (currently using, but rewards seem like not attractive )
PBB Quantum (feel like throwing away these 2 cards…)

5. Interested in CC from: Maybank Visa Sig, UOB One Classic, HSBC MPower , open to other suggestions

6. Others: thank you

Thanks for the advice ! Let me take a look at Affin Duo and Maybank Petronas. For Maybank 2 Card , they still charge me RM 25* 2 cards even though I never activate another card 🥲 having bad experience with PBB app

Is anyone using HSBC MPower for the cashback? It seems like they accept touch n go reload as part of the RM2000 minimum spend criteria?

Also, any good visa signature card out there? Was looking at Maybank VS and HSBC VS.
Can anyone recommend “OK” travel/miles/lounge card? Although I’m not a frequent flyer, could be just once or twice a year.

I thought jompay is directly deduct from bank account ?

Credit Card Comparison

Public Islamic Bank Visa Platinum Credit Card-i

CASHBACK CATEGORY CASHBACK RATE MONTHLY CAP SPEND
Online and overseas transactions 4% RM30 from RM1 or above monthly
Dining transaction 4% RM30 from RM100 or above
Enjoy 2x complimentary access to selected Plaza Premium Lounges in Malaysia. Guest(s) of eligible card members may also enjoy a 25% discount on the walk-in rate at participating lounges. Terms apply.


UOB ONE Card
Get up to 10% cashback every month on selected categories such as petrol, dining, selected grocers and Grab spending, provided that you meet the minimum retail spend per statement month as required; capped at RM15 per spend category for ONE Platinum Card and RM10 per spend category for ONE Classic Card. Other eligible purchases get you 0.2% cashback, uncapped


HSBC Visa Signature Credit Card
Earn 8x reward points on overseas and online spending using foreign currencies, while 5x reward points are earned when you spend on local shopping and online using Ringgit Malaysia. 


HSBC Amanah MPower Platinum Credit Card-i
Grab up to 8% cashback on petrol, groceries and eWallets for monthly spending above RM2,000. 


Maybank Islamic Ikhwan American Express Platinum Card-i
CASHBACK CATEGORY CASHBACK RATE MONTHLY CAP SPEND
Online spending during Ramadhan and Syawal 8% RM100 from RM100 or above
Online spending throughout the year (except Ramadhan and Syawal) 8% RM50 from RM100 or above


Maybank 2 Platinum Cards
You'll get 5% cashback on all retail transactions made every weekend with the Maybank 2 American Express Card. This cashback is capped at RM50 every month. Earn 5x TreatsPoints on retail purchases made on the weekdays with your Maybank 2 American Express Card.


AFFIN DUO Visa Cash Back
Earn 3% cashback each time you spend on E-Commerce/Online, E-Wallet Reloads/Transactions and Auto-billing, capped monthly up to RM50 depending on your previous balance amount stated in your credit card statement. If your previous balance amount hits RM3,000 and above, you'll get a monthly cap of RM50 but if the amount is below RM3,000, you'll get a monthly cap of RM30 instead. However, do note that the maximum cashback earned for the E-Wallet category is RM30 per month, regardless of the two previous balance amount criteria.

Seems like UOB is giving SUPER HIGH credit limit.

Open to any suggestions. Any good credit card for Air Miles / Lounge?

1. Annual Income: RM140K

2. Free Lifetime Annual Fee: -

3. Card required for:

Air Miles
Lounge access (KLIA & Overseas)
Travel benefits

OR

Cashback/rebate
Good reward points redemption (best if can convert to cash voucher)
Dining,
E wallet
Insurance

4. Existing credit cards (if any):
MBB 2 Plat
HSBC Plat Visa
HSBC Visa Sig
UOB One Classic

5. Interested in CC from: Open to other suggestions

6. Others: thank you

Open to any suggestions. - Any must have credit cards nowadays? Any good credit card for Air Miles?

1. Annual Income: RM140K

2. Free Lifetime Annual Fee: -

3. Card required for:
Air Miles
Lounge access (KLIA & Overseas)


OR

Cashback/rebate
Dining,
E wallet

4. Existing credit cards (if any):
MBB 2 Plat
HSBC Plat Visa
HSBC Visa Sig
UOB One Classic

5. Interested in CC from: UOB VI, Alliance VI, RHB Shell?

6. Others: thank you everyone here