1. Annual Income: RM110K+

2. Free Lifetime Annual Fee: Preferably, can consider waiver with minimum swipe

3. Card required for:
E-wallet reload, depends on the situation
Petrol, RM300-700
Groceries, around RM300-500
Utility bill (TNB/SAJ/Unifi), around RM800-900
Online shopping (Lazada/Shopee), depends on the situation

4. Existing credit cards (if any):
Ambank Bonuslink Visa Signature = for Petrol as I pump lots of Shell
Ambank Visa Signature = no AF, and lounge access, then keep for telco monthly subscription
RHB Visa Signature = no AF, and this card has the highest CL and lounge access, so keep it for emergency purposes
SCB Simply Cash = apply due to gift
SCB Journey = apply due to gift
MBI Ikhwan A-Mex = 8% CB of online purchase
Affin Duo = Auto debit for insurance (RM1100++ per month)

5. Interested in CC from:
MBB 2 Platinum (But rejected due to MBI Ikhwan just approved within 1 month),
Affin Duo+ (just submit the additional card application)
Public Visa Signature
UOB Prvi Miles Elite
Alliance Visa Infinite
Is there any other good CC? Cashback is preferred, else collect miles also can, that's why I listed out UOB Prvi Miles Elite and Alliance Visa Infinite

6. Others:
if can include insurance better, as my insurance is around RM1800/month, and I already maximize the 3% of Affin Duo
I don't mind using multiple cards to achieve the highest CB or miles collection, as i understood there is no best CC in the market

Does applying 2 bank cc at the same time affect approval rate?

maybank 2 cards, no annual fee, easy easy to maintain. but service tax RM25 each, so need to pay RM50 per year. if want to jimat, apply maybank ikhwan gold card, buy grocery get 5% cashback.

you can try applying online but they are known to easily reject people who apply online based on feedback on this forum. i think maybank filtering criteria too strict for their online.

I checked RinggitPlus for amex ikhwan mbb it says must spend rm100 online to earn the cashback is that true?

Hi guys need some help since my main RHB Shell is nerfed:

1. Annual Income: RM120k

2. Free Lifetime Annual Fee: waived or waiveable

3. Card required for:
Mostly for groceries >RM 1500 monthly
Online shopping >RM 1000
E-wallet >RM 300
Fuel >RM 300, but may be lower on certain periods

4. Existing credit cards (if any):
1. RHB VS
2. RHB Shell

5. Interested in CC from: Any but now eyeing CIMBs.

6. Others:
NA

Main goal: Just need another CC to main for Cashback for groceries, online shopping, SPayLater, and fuel. Prefer not to be tied to weekends only because of my work schedule

As soon as cb terms of RHB Shell was revised, I applied for UOB One Platinum. Now waiting to collect card.

For local spend, my cb line up are:
Maybank Ikhwan Amex - RM50 cb @ 8% spend RM625
Maybank 2C Amex - RM50 cb @ 5% spend RM1000
Affin DUO+ - RM50 cb @ 3% spend RM1667
Bank Islam Platinum - RM30 cb @ 3% spend RM1000
Alliance VS - RM55.5 cb @ 1.85% spend RM3000
(New) UOB One Platinum - RM60 cb @ 4% spend RM1500

total is RM295.5 cb @ 3.36% spend  RM8792. alright lah