Hi fellow seniors, just get to know that CIMB CR will have lesser benefits on CB on Nov 2017, so I think its good time for me to cancel it, as I didn't get to get Quantum the last round. Would like to seek expertise on restructuring my credit cards.

Annual income: RM56.6k + claims + grab/uber
Cards owned:
1. CIMB CR Master Plat
2. HSBC Amanah Visa Plat
3. MBB Ikhwan Master Gold
4. MBB2AMEX Gold
5. HLB Mach Visa
6. UOB One Plat
7. UOB YOLO Visa Plat.

Objectives : To maximize CB like recurring expenses, like bill payment, petrol, dining, entertainment, & installments conversions.

1. Annual Income: RM 72K

2. Annual Fee: Free / Waived by meeting certain criteria

3. Card required for: Retail and online spending, petrol, cash back on auto billing if possible

4. Existing credit cards (if any): HSBC Amanah Visa Plat, CIMB Bank Cash Rebate Master Plat, UOB One Visa Plat, UOB YOLO, Maybank Islamic Ikhwan Master Gold, Maybank 2 Cards Plat AMEX & Visa, Maybank FCB Visa Signature, Mach Visa.

5. Interested in CC from: Any bank

6. Others: Planning to cancel all the existing card(s) and only focus on few for consolidation. To maximize CB, like recurring expenses, like bill payment, petrol, dining, entertainment & Installment Conversions.

should be referring to UOB's proprietary banking they called it Personal Internet Banking. https://pib.uob.com.my/PIBLogin/Public/proc...=lpc&lang=en_MY

My Mach will be discontinued by September and will be replaced by HLB Wise, do I cancel it and move to Essential or to move to SCB JOP/Liverpool FC?

even Essential? Means there's no Free AF cards from HLB?

glad that you've asked this questions, i do face similar situation as well, cards that i owned:-

MBB AMEX PLAT
MBB FCB
MBB IKHWAN

HLB MACH replaced with WISE but didn't activate

CIMB CR

HSBC M Power Plat

PBB QUANTUM 2 Cards

SC JOP

AFFIN DUO

UOB ONE

and with only 1 Big Pay card, was wondering what would be the best way to manifest all the cash back,

seems like the only CB that I've got monthly is from MBB AMEX PLAT, MBB IKHWAN, MBB FCB, PBB QUANTUM VISA, MASTER.

will be great if senior can enlighten.

This post has been edited by eternity4av: Sep 29 2020, 11:43 AM

senior, for SC JOP, the RM10 Grab voucher is it fully redeemed?

1. Annual Income: RM85K

2. Free Lifetime Annual Fee: Yes with conditional number of swipes

3. Card required for:
- Insurance
- 0% Instalment
- 0% BT
- Bills (Unifi, Digi, Celcom, TNB, Air Selangor)
- Petrol
- Retail (Shopping, Dining, Grooming, etc)
- Online (LinkedIN Premium, Real-Debrid, Google One, Spotify Premium, etc)
- e Wallet

4. Existing credit cards (if any): MBB IKHWAN MASTER, MBB AMEX PLAT, MBB FCB, SC JOP, AFFIN DUO VISA, PBB QUANTUM VISA & MASTER, HSBC AMANAH, UOB ONE PLAT, UOB YOLO, CIMB Cash Rebate MC,

5. Interested in CC from: any, to cancel any cards that are no so optimum

6. Others: To regain as much as cashback from spending.

This post has been edited by eternity4av: Apr 15 2021, 06:34 PM

Annual income: RM93.6k + Freelancing (RM3.35k a month)
Cards owned:
1. MBB (AMEX Plat + FCB)
2. HLB Mach (revised to WISE and unactivated) but appearing in CTOS
3. UOB ONE PLAT , YOLO (unactivated) but appearing in CTOS
4. MBB Islamic Ikhwan Mastercard
5. CIMB Cash Rebate Mastercard
6. PBB Quantum 2 Cards
7. HSBC Amanah MPower
8. AFFIN Duo
9. SC JOP

Objectives : To maximize CB like recurring expenses, like bill payment, petrol, dining, entertainment, & installments conversions and small tier 0% BT, RM500-RM1,000 to be cleared within 6/8/12 months.

This post has been edited by eternity4av: Oct 12 2021, 09:55 AM

1. Annual Income: RM 102k

2. Free Lifetime Annual Fee: Prefer to have no annual fee or at least able to waive by calling customer service.

3. Card required for: Grab & TNG, BT 0%, Installment Plan 0%, Cashbacks, Virtual Card that can use for Overseas Transactions

4. Existing credit cards (if any):
HSBC Amanah MPower Visa Platinum
CIMB Cash Rebate MC Platinum
MBB AMEX Platinum, FCB VS, Ikhwan Islamic MC Gold
SC JOP
AFFIN DUO VISA
PBB QUANTUM DUO MC & VP
HLB Wise (Unactivated)
UOB ONE & YOLO (Unactivated)

5. Interested in CC from: Please recommend

1. Annual Income: RM100-126K
2. Free Lifetime Annual Fee: Free for life / waivable.

3. Card required for: Mostly CB / 0% EPP / BT / Low Overseas Transaction Currency Conversion Rate (Optional) / Unlimited CB Card

4. Existing credit cards (if any): Maybank 2x Plat cards, Maybank Ikhwan Master Gold, Maybank FCB Barca VS, UOB ONE Plat, UOB YOLO Plat, AFFIN DUO VISA, HSBC AMANAH MPOWER Plat, SC JOP/SMART, CIMB CR MASTER,

5. Interested in CC from: None in particular, need recommendations that are better than what I'm using now.

6. Others: Mainly spending on Utilities (UNIFI, TNB, AIR SELANGOR, CELCOM POSTPAID, HOTLINK PREPAID), E-WALLETS (TNGD, GRAB, BOOST), Insurances (ETIQA & AIA), PTPTN, Petrol, TNG Zing Card, Shopping,

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: Free or waivable through minimum swipe requirement

3. Card required for: Cashback, Mainly Insurance (Prudential), Unifi, Maxis, TNB, AirSelangor, Astro)

4. Existing credit cards (if any): None.

5. Interested in CC from: open to any beneficial cards that suits me now. (Got rejected by MBB when trying to applying m2Gold

6. Others: Salary bank is PBB bank, and own savings account on side gig biz account with HLB.

This post has been edited by eternity4av: Feb 17 2023, 04:49 PM

Wow I'm really amazed, that you need to dig this deep. But this for my fiancee btw.

Insurance, Prudential also ok?

i have HSBC VS that has PPL access, but believe its on MY only, is there any CC that allows me free PPL access in Dubai / Zurich?

Hi fellow seniors, time for 2024 update, just in case I'm missing out,

1. Annual Income: RM 110k + RM4k (monthly side gig)

2. Free Lifetime Annual Fee: Prefer to have no annual fee or at least able to waive by calling customer service.

3. Card required for: Grab & TNG, BT 0%, Installment Plan 0%, Cashbacks, Promos

4. Existing credit cards (if any):
HSBC Amanah MPower Visa Platinum, HSBC VS
CIMB Cash Rebate MC Platinum
MBB AMEX Platinum, FCB VS, Ikhwan Islamic MC Gold, Ikhwan AMEX Plat
SC JOP
AFFIN DUO VISA
PBB QUANTUM DUO MC & VP
UOB ONE & EVOL
Alliance VCC

5. Interested in CC from: Please recommend any, or suggestion to cancel any card that are redundant.

alliance vcc for sure, you can set the cadence, and the limit and the expiration.

maybank 2cards

Annual Income: 130k excluding variable bonus & freelancing

2. Free Lifetime Annual Fee: Yes, or maybe if there is any waiver term

3. Card required for: Cash Back for e-Wallet Top Up & Cashless Transactions below RM100.

4. Existing credit cards (if any):
Maybank 2 Cards AMEX Plat & FC Barcelona, Ikhwan Mastercard & AMEX
UOB One Plat & Evol
CIMB Cash Rebate
PBB Quantum Visa
HSBC Amanah M Power & HSBC Visa Signature
AFFIN Duo Visa
SC JOP (Dormant)
Alliance VCC

5. Interested in CC from: Any and HSBC for card consolidation

6. Others: Has been maxing out cash back from all my existing card, wanted to have recommendation any other cards that I can capitalize with Cash Back, e Wallet Top Up & Contactless especially below RM100, and card consolidation for HSBC, since they have new cards.

TQ for your recommendation/guidance.

1. Annual Income: RM 120k (excluding 13th month, freelancing that reports to LHDN through e-invoicing RM6k) not too sure is this count as Annual Income as well

2. Free Lifetime Annual Fee: Prefer to have no annual fee or at least able to waive by calling customer service.

3. Card required for: TNG & ShopeePay, BT 0%, Installment Plan 0%, Cashbacks, Virtual Card CC not Wise or BigPay or TNG, as already have it.

4. Existing credit cards (if any):
MBB AMEX PLAT
MBB FCB VS
UOB ONE Plat
UOB EVOL
MBB Ikhwan AMEX
MBB Ikhwan MC
CIMB MC
PBB Quantum Visa
HSBC Amanah mPower
HSBC VS
Affin Duo CB V
SC JOP
Alliance VCC

5. Interested in CC from: Would need help to replace cards from HSBC as both cards got charged with Annual Fees with total up to RM800 and also SC JOP. Got rejected by RHB Shell.

This post has been edited by eternity4av: Aug 14 2025, 08:28 AM