1. Annual Income: RM60K to RM70K

2. Free Lifetime Annual Fee: No

3. Card required for: List all your needs.
- Free KLIA2 Premium Lounge Access
- Travel coverage (Travel insurance, flight delay, flight cancel, luggage missing, etc)

4. Existing credit cards (if any):
- Maybank 2 Cards Gold
- Maybank Al-Ikhwan Gold
- CIMB Cash Back Platinum
- Standard Chartered Cash Back Platinum

[Previously owned and cancelled]
- UOB VOX
- Citibank Cash Back

5. Interested in CC from:
- Aeon Big Visa Gold
- Citibank Platinum Visa
-> this only stated for KLIA but I will be going to KLIA2

6. Others: Please be specific.
- I will be going to KLIA 2
- I just want to try the premium lounge, never been in it nor have any chance for it.

Too bad I did not charge my ticket purchase to the card. I will get Aeon Big Visa Gold. Seems to serve my purpose.


I found the below I will keep this in my view for future travels
AmBank PPL

Thanks!!

I see. I just saw that in their official product disclosure. Ringgitplus did not mention that. Thanks for the info

Annual Income: RM36K to RM40k

2. Free Lifetime Annual Fee: Does not matter

3. Card required for: PTPTN repayment

4. Existing credit cards (if any): None

5. Interested in CC from: Any

6. Others: I am looking for the best card to get either cash back or collect points.

I wonder how the full repayment discount works, will it be repaid back into my account or the deduction is shown immediately upon payment

alright will do, thanks!

- Alliance younique
- Standard Chartered Gold Card
- HLB Essential

As per recommended by fly126, kindly read back the thread you lazy bum

Note that Alliance younique after > 3k the cashback is 0.3%

1. Annual Income: Rm150k above

2. Free Lifetime Annual Fee: Yes or able to be free with easily fulfilled conditions

3. Card required for: Cash Back and Air Miles/points

4. Existing credit cards (if any):
Maybank GRAB Mastercard Platinum - for all sorts of general payments via GrabPay including insurance, spotify, youtube premium, utilities)
Maybank Islamic Petronas Ikhwan Visa Platinum - for my weekend 8% cashback on petrol
Maybank FC Barcelona Visa Signature - planning to cancel, used to use this card for spotify, youtube etc payments
Maybank 2 Platinum cards - I cancelled the mastercard and only kept the amex, to get 5% on weekend groceries and other possible dining
Public Bank Visa Signature - for dining above RM100 cashback
Citi PremierMiles Mastercard - Was going to cancel as I just got the RM1000 from citi recently

5. Interested in CC from: Any
- Looking at CIMB e Credit Card, Spend 1667 per month, get 20,000 points and exchange to RM50 on every month 28th

6. Others: I use GrabPay a lot for all sorts of payments for general payments. Thanks to the RM1 to 5x points and additional on top of GrabPay but since the revision coming in Apr next month, I want to revise my cards above and seek for sifu help. Basically:

Petrol - covered with Maybank Islamic Petronas Ikhwan Visa Platinum
Dining above RM100 - covered with Public Bank Visa Signature
Weekend groceries - covered with Maybank 2 Platinum cards (AMEX)

What I need is
1. Reload to e-wallet cards (probably a few cards of this category can cover all the cases below?)
2. Dining below RM100 cashback/points - approx total RM500 per month
3. Groceries on weekday cashback/points - approx total RM500 per month
4. Car and personal insurance - approx RM500 and above per month
5. Subscription services (Spotify, Youtube) - approx RM60 per month
6. Telco bills (Maxis) - approx RM350 per month
7. Utility bills (electricity, water) - approx RM200 per month
8. Shopping - approx RM1000 per month

This post has been edited by chubbyqq: Mar 9 2023, 08:42 AM