1. Annual Income: RM72k + monthly performance bonus

2. Free Lifetime Annual Fee: Preferably

3. Card required for: 1st CC. Mainly to replace debit transactions. Currently use for everything. Fuel, online shopping, dining out, bills, installment (PTPTN, car, house) , & E wallet topup

4. Existing credit cards (if any): None

5. Interested in CC from: None. First CC

6. Others:

- WRONG THREAD -

This post has been edited by d3ck: Jan 31 2023, 05:58 PM

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: Preferable (Okay if minimum swipe/spending part of the condition to get free fees

3. Card required for: Cashback

4. Existing credit cards (if any): Maybank Ikhwan Mastercard, Maybank Ikhwan Amex

5. Interested in CC from: Any

6. Others: Max out CB for both card. Looking another cashback card

7. Spending behavior:
*normal month spending amount. Festive or balik kampung time tend to use more

Ikhwan Amex (~2k monthly)
- Online shopping (Shopee, Lazada, etc)
- Monthly subscription (Netflix, YouTube, Spotify, etc)
- Bills (which accept Amex)

Ikhwan Mastercard (~3k monthly)
- Petrol
- Groceries
- eWallet
- Monthly commitment (PTPTN, PruBSN, etc)
- Bills (where Amex not accepted)
- Dining & retail purchase
- Paywave wherever available (mostly everything)