Hi would like to get any suggestions for a second CC. Been using the m2card since its glory days where get 5x points everyday. Now feel losing out on alot of points.

1. Annual Income: About RM 100k

2. Free Lifetime Annual Fee: Yes, if no Preferably waivable with minimum spend

3. Card required for: Cashback of more than RM 50 from maybank 2 cards. Better points collection

4. Existing credit cards (if any): Maybank 2 Platinum card (Amex/Visa)

5. Interested in CC from: No preference, any bank

6. Key monthly spendings:
- Insurance - 1k
- Petrol - 300-400
- Utilities (Internet, Phone ) - 500
- Groceries/Dining - 500-600
- Travelling - probably about 1-2x/year

Thanks in advance for any suggestions!

Hi all, looking for any recommendation to existing CC
Main priority is for cashback

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Preferably or with waiver

3. Card required for: Cashback

4. Existing credit cards (if any): maybank 2 plat

5. Interested in CC from: Any

6. Others: Every month already max out CB for amex card. Feel im missing out on more cashback as alot of spending using Visa card (about 1-2k on visa card, 1k for insurance, others general spending)
Also getting abit fed up and tired of getting Amex rejected everywhere.
If theres one card that can pay all and get similar cashback as amex also dont mind to terminate the amex.
Prefer card which dont have those tier for spending, makes it more mafan to calculate

This post has been edited by kimguan07: Feb 23 2025, 04:54 PM

Hi there, looking for a recommendation for credit card.

Annual income : 100k
Existing credit card : Maybank 2 card amex/visa, maybank ikhwan amex, affin duo
Main purpose : Cashback

Currently maxing out all credit card cashbacks
M2Amex - RM 50 (RM 1k spending , 5%)
Maybank Ikhwan Amex - RM 50 (RM 625 spending , 8%)
Affin duo - RM 50 (RM 1666.66 spending , 3%, with statement RM 3050 using BT)

After discovering the wonders of using Spaylater to maximize cashback, have been able to maximize all 3 cashback rewards.

My spendings per month is enough to get max cashback for all 3 cards, but i find that i have extra about RM 500- 1k (Varies every month depending on spending) every month that goes wasted as i cant get anymore cashback.

Can any sifu recommend a card where i can put that extra spending to get cashback?
The spending would be label as online as now i usually put all spendings into Spaylater.

Preferably a card that does not have minimum spending amount to get cashback as may not be able to consistently spend that amount each month eg. RHB Shell (minimum RM 2.5k spending for 5%)

If i top up shopeepay RM 2.5k to pay off spaylater, then it defeats the purpose of using spaylater to use both my Amex cards.
Only reason i use spaylater is so that i can get cashback for my Amex cards as alot of merchants dont accept amex

Affin Duo - what i do right now is my insurance auto debits are all there, total RM 1.7k, then the balance of 1.3k+ i use their 0% Balance transfer to transfer both my amex card to the affin duo card so i can reach RM 3k+ statement. Win-Win situation to maximize cashback without extra spending

Ah. Thanks for recommendation, seems quite suitable for my need. At least can get 3% cashback there