Hi all sifu, now that cross border traveling is back, I'm looking for credit card solely to collect air miles. Seek your recommendation pla:

1. Annual Income: RM100k-RM150k

2. Free Lifetime Annual Fee: preferable.

3. Card required for: AirMiles

4. Existing credit cards (if any): Maybank2cards, SC platinum basic mastercard, Affin duo cards

5. Interested in CC from: HLB visa infinite

6. Others: my aim is to collect air miles. Pls let me know if my current cards are already good enough. Big chunk of my current credit card swipes are online & ewallet transactions.

This post has been edited by iamloco: Feb 6 2023, 12:28 AM

Dear all need your recommendation:


1. Annual Income: >RM200,000

2. Free Lifetime Annual Fee: A Must, or waivable

3. Card required for: Cashback and Points

4. Existing credit cards (if any):
Maybank2Card
Affin Duo

5. Interested in CC from: Open to suggestions

6. Others: Looking for ways to maximize my cashback and points. Currently already maxed out M2C Amex (RM50) and AffinDuo Visa (RM30). If possible I want to reduce those "Must have 2 cards" because I want to avoid paying more SSTs. My current CC spending:

Petrol (PETRONAS): 400-500 - using Amex most of the time (weekend+weekdays)
Education (swipe): 500 (Affin Master/M2C Master)
Insurance auto-debit: 500 (Affin Visa)
Parking (online): 360 (M2C Master)
Groceries/Dining: 1500 (M2C master/amex)
Utilities: 300 (Affin Visa - online/ewallet)

This post has been edited by iamloco: Sep 1 2025, 08:13 AM