Looking for cashback cards & airport premier lounge card

1. Annual Income: 155K up

2. Free Lifetime Annual Fee: yes or waive-able

3. Card required for: groceries, petrol, utilities bill

4. Existing credit cards (if any): PBB signature, Citibank Reward Signature, Citibank Cash Back and HSBC Signature

5. Interested in CC from: best comes with good cash back and airport premier lounge access

6. Others:

SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

PBB Quantum 2Cards
Quantum MC -  5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
CIMB Cash Rebate Mastercard
Maybank 2 Cards
Maybank Ikhwan MasterCard
Alliance You:nique

2 Seperate card with Seperate CB, the VIP Points earned expires in 3 years. Same like most of other bank CC...

1. Annual Income: RM 36,000

2. Free Lifetime Annual Fee: Prefer Liftetime free/can call CS to waive

3. Card required for: Cashback on top of existing cards

4. Existing credit cards (if any):UOB ONE card / UOB YOLO CARD (to be cancelled)

5. Interested in CC from: Any

6. Others: To have higher cashback on ALL retail purchase (not the typical 0.2%) and online shopping bonus to complement or substitute UOB ONE, would be better if the online bonus is applicable for Google Play Store/Steam purchase.

All transaction? Even online like Lazada etc?

Thank you in advance.

1. Annual Income: RM60-80k

2. Free Lifetime Annual Fee: Yes, but if can waive after spending a certain amount then I guess > 5k in a year should be ok.

3. Card required for: Good reward points and redemption stuff if possible. or cashback/discounts when spending for foods and shopping in malls and online would be great. (Spend a lot on food daily in mall because I work in a mall)

4. Existing credit cards (if any): CIMB Platinum Cash Rebate Card and Citibank Cash Back card. Planning to cancel either one of those. (New Citibank needs a min 1k spending per month in order to get 10% cashback while CIMB get a flat 2% rate, most probably cancelling my Citibank) - Planning to keep the existing one for petrol, new one for shopping and foods. - Currently using SHELL petrol.

5. Interested in CC from: No preference yet, but currently holding CIMB and Citibank.

6. Other: I used most of my cards during weekdays instead of weekend. (I think some habit can be changed for petrol but food wise I still need them on weekday)

Considering to get this for foods rebate though, any review?: https://www.imoney.my/credit-card/mach/visa-credit-card

Do you have any recommendation to replace my CIMB 2% cash back for petrol in SHELL?

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: A must

3. Card required for: Cashback, Petrol, Dining, Utilities

4. Existing credit cards (if any): Citibank Cashback

5. Interested in CC from: SC JustOne Platinum

6. Others: Monthly CC expenses up to RM2k. I prefer CB card because I believed it is the most straight forward reward. Previously was using Citibank CB, but until recently I find out the CB has removed Telco and utilities from the CB categories, so I am looking for some other CB card.

Thank you!

Hi, appreciate your recommendation as per below

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Only need it for emergency cases (hospitalization, emergency booking of flight tickets etc.

4. Existing credit cards (if any): n/a

5. Interested in CC from: n/a

6. Others: I need a credit card for standby only, wont be using it for daily transaction.

any card with no AF such as m2card

Hi guys,

I've been trying to apply for the 1st CC, but got rejected twice w/o reasons.

I don't have any loans, apart from ptptn, which was alrdy fully paid.

Any idea where I can ask about my application rejection?

Isn't the PBB Visa Signature only for annual income RM100k above?

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: Must (by swipe is fine)

3. Card required for: Cash Back/Rebate Only especially for Petrol to compliment PB VS

4. Existing credit cards (if any): PB VS, HSBC VS, HSBC Platinum and OCBC Titanium (plan to cancel both the HSBC Platinum and OCBC Titanium)

5. Interested in CC from: MBB 2 Card for the weekend 5% cash back on AMEX

6. Others: Please be specific. Example: Looking for credit card for cashback to compliment the PB VS.

SCB Cashback and JustOne cards for 1.5k and 2.5k spending. If using these 2 still not sufficient, can combine with Alliance You:nique with 3k spending for RM50.

As most of the Ang-mo Website accept Amex for Payment, If You don't mind to pay the AF...

American Express Cash Back Gold Credit Card



Unlimited Cash Back. No minimum spend. No rebate cap.
- 1% Cash Back on local spend.
- 1.5% Cash Back on overseas spend.

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

HLB Fortune - 1% Cash Back but need minimum spending RM2k to qualify CB this is a Good card if you could spend at least RM2000 but capped at RM5K (RM50 cash back), that one needs to spend at least RM 2k per month and it will not be accumulated. If cannot achieve then CB burn. 

https://www.hlb.com.my/en/personal-banking/...rtune-card.html

hi, i'm thinking of having a credit card for easy of payment on a couple of occasions/needs. it's also for my ccris/ctos good record.

1. Annual Income: RM26.1K

2. Free Lifetime Annual Fee: A Must have.

3. Card required for: petrol, monthly grocery shopping, occasional online purchase (lazada/shopee/etc)/eat out/hotel/flight bookings.

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

5. Interested in CC from: Nil.

6. Others: Don't want troublesome card. Want hassle free one. I would spent based on the money i have.

Yeah... JustOne card have specific categories and tier spending for higher cashbacks.
SCB Cashback card is much simpler though, at least for me. To maximize cashback for large amounts, you might need combination of multiple cards.

is this the only one available for me or the best available for me?

thanks for your feedbacks. seems i should settle with cimb. reading and comparing the cards benefits placed cimb cc above other cc. :thumbsup:

i wouldn't be applying now since i'm in procress of acquiring housing loan. after s&p signed i'll apply. would be good to use it to buy certain basic house equipments for my house later.