Some good ones at ringgitplus, but it is a 3rd party.

1. Annual Income: Nil

2. Free Lifetime Annual Fee: Waivable annual fee.

3. Card required for: Cashback, mostly online transactions and a bit of petrol.

4. Existing credit cards (if any): Nil.

5. Interested in CC from: No preference.

6. Others: Looking for 1 - 2 cards, preferably no cap or high cap on cashback.

Hello, I am planning to get my 2nd Credit Card, 1st Credit card was 4 year ago with Aeon Credit with negative experiences, as they doesn't want to waive off the annual fees

1. Annual Income: RM36K - RM40K

2. Free Lifetime Annual Fee: Must / Waivable

3. Card required for: Petrol, Transport (Grab, Bus Ticket, Train Ticket), Utilities (Time Fibre, TNB), Online digital product (Steam, Epic Store), Online shopping (Shopee, Lazada), Offline Shopping (groceries, Aeon, Tesco, electronic device etc), F&B (Mamak, Foodpanda, Airasia), Car Loan (if possible). Should be spending around RM1000-2000 for all these.

4. Existing credit cards (if any): Nil.

5. Interested in CC from: Citibank Cash Back Card, Standard Charted SIMPLY CASH CREDIT CARD

RHB-Shell Visa.
Monthly spend > RM800 to get CB, best if you can spend >RM2500.

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Must or able to apply for waiver

3. Card required for: Cashback

4. Existing credit cards (if any): None

5. Interested in CC from: Citi Cashback, UOB One, HLB Wise

6. Others: Located in EM with limited eligible grocery and e-wallet options. Monthly spending is around: petrol 250, dining 250, pharmacy essentials 100, grocery 150, online shopping 200, insurance 1100 (to be channeled through cardup)

Thanks.

Citi cashback (non platinum). Use it for your dining (RM10 cashback), groceries (Rm10 cashback) and petrol (RM10 cashback). Even if you don't get grab cashback, that's still RM30 cashback a month (make sure to hit the RM500 minimum spend. Also your sign up bonuses for citi are normally quite attractive.

Or since they're getting acquired by UOB you can direct go to UOB One. I would go for Citi first though, eventually UOB will merge the card to UOB One I think.

If you're looking for cashback:

Mobile/internet, petrol - Amex 2 cards gold/plat, pay on weekends for CB,
TNG + most autobilling - Affin Duo Visa, put the leftovers in BigPay
Both cards can be maxed out at RM1k/month each. Keep the non-Amex Maybank card + the Affin Mastercard in a drawer as both are useless.

With the new changes coming soon for RHB Shell, what are the good credit cards for e-wallet reload? I already have the following:

HL Wise
Affin Duo+
PBB Islamic Platinum

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