1. Annual Income: About RM110K

2. Free Lifetime Annual Fee: No (Preferably waivable)

3. Card required for: Cashback, Points, prepa

4. Existing credit cards (if any): HLB Essential Visa and Ambank Visa Signature and Ambank Bonuslink Visa Signature

5. Interested in CC from: Preferably without foreign markup/transaction fee

6. Key monthly spendings:
- Petrol (Shell): RM200-RM250
- Utilities (TNB): RM200- RM300
- Telecommunication (Unifi, Maxis & Astro): RM400
- Supplements: RM300 (from overseas)

This post has been edited by ideaplus: Apr 27 2024, 06:43 PM

any card without foreign markup/transaction fee?

Hi, I have looked at all the TnC, but I didn't find any lines stated got CB for insurance. If I have CB for insurance, I am also interested, as my monthly commitment to insurance is also quite a number. Thank you for your answer.

Do you mean I pay insurance online via this Affin Duo and then can enjoy CB?

Do you mean I sign up for my insurance as auto debit via this Affin Duo and then can enjoy CB?

1. Annual Income: RM110K+

2. Free Lifetime Annual Fee: Preferably, can consider waiver with minimum swipe

3. Card required for:
E-wallet reload, depends on the situation
Petrol, RM300-700
Groceries, around RM300-500
Utility bill (TNB/SAJ/Unifi), around RM800-900
Online shopping (Lazada/Shopee), depends on the situation

4. Existing credit cards (if any):
Ambank Bonuslink Visa Signature = for Petrol as I pump lots of Shell
Ambank Visa Signature = no AF, and lounge access, then keep for telco monthly subscription
RHB Visa Signature = no AF, and this card has the highest CL and lounge access, so keep it for emergency purposes
SCB Simply Cash = apply due to gift
SCB Journey = apply due to gift
MBI Ikhwan A-Mex = 8% CB of online purchase
Affin Duo = Auto debit for insurance (RM1100++ per month)

5. Interested in CC from:
MBB 2 Platinum (But rejected due to MBI Ikhwan just approved within 1 month),
Affin Duo+ (just submit the additional card application)
Public Visa Signature
UOB Prvi Miles Elite
Alliance Visa Infinite
Is there any other good CC? Cashback is preferred, else collect miles also can, that's why I listed out UOB Prvi Miles Elite and Alliance Visa Infinite

6. Others:
if can include insurance better, as my insurance is around RM1800/month, and I already maximize the 3% of Affin Duo
I don't mind using multiple cards to achieve the highest CB or miles collection, as i understood there is no best CC in the market

This post has been edited by ideaplus: Sep 26 2024, 07:14 PM

Thank you for your reply
It seems like the UOB One card does not really suit my spending habits, but the PBB Visa Signature can be used to pay the TNB bill, which I do not see utilities on the excluded list.
Any good CC can suggest?

This post has been edited by ideaplus: Sep 27 2024, 08:10 PM

1. Maybank 2 Platinum Cards - Use Amex at Weekend, online or offline to enjoy 5% CB
2. Maybank Islamic Ikhwan American Express Platinum Credit Card-i - Earn 8% Cash Back monthly on online spend

Bank Islam Visa Platinum seems nice, and no see any insurance in the excluded list, so maybe insurance still eligible for the cash back. Thanks for the recommendation.

If using the card to pay company's electricity should be identified as business/commercial consumption.

Indeed, unless they listed out the "online" MCC code, else honestly e-wallets might under online category.

I might just treat this card as Affin Duo Visa, as spent RM1000 can get RM30 CB, quite easy for me.

Just treat it as another Affin Duo. Spent RM1000 can get RM30 CB

This post has been edited by ideaplus: Feb 5 2025, 01:30 AM

No notification of acceptance email, but just this page. I think only wait Bank to call me

RHB Shell can support Apple Pay and RM100 if it achieves those targets.
RHB Visa Signature can support Apple Pay and enjoy up to 6x complimentary access to selected Plaza Premium Lounge in Malaysia in a calendar year with minimum spend of RM500 and above in the past calendar month to earn access.
However, I don't know whether it's my phone issue. The RHB cannot verify my iPhone 13 Pro, either conventional (2 cards) or Islamic (1 card). I have to call CS and let them verify for me, but everything is good.

This post has been edited by ideaplus: Feb 6 2025, 06:07 PM

If you're pumping shell and your expenses can slightly increase to RM2.5K+, then can consider RHB Shell Visa
Moreover, RHB provides 0% cash excess and balance transfer for 12 months for NTB users.

Actually can get three if income is eligible since CB is calculated based on a card.

This post has been edited by ideaplus: Feb 13 2025, 10:07 AM

Platinum can get RM30 CB on tier 1, and Gold can get RM30 CB on tier 2, of course need to spend RM1000

I just got BIMB Visa platinum today, and will enrol the autopsy (autopay) for the insurance. Let's see when or if the CB will be credited to my account.

This post has been edited by ideaplus: Feb 26 2025, 08:07 PM

Hehe, something related to

Sure, I shall update once I get the status.

I applied and received a call from the Bank another day.
After I submit all required documents, the bank needs to verify my employment status.
The whole process from applying until the card is ready for collection, which is roughly 7-10 days.
But I have been informed I need to walk in to collect and need to do biometric verification as well.

However, my biometric verification was done while I collected the card, not before.