1. Annual Income: 150k+

2. Free Lifetime Annual Fee: either no annual fee or auto waiver on meeting criteria. non-waivable annual fees or manual waiver application is a dealbreaker.

3. Card required for: CASHBACK in my main consideration.
Main Categories of spend
Petrol,
Grocery,
Dining,
Grab,
E wallet,
Utilities,
Insurance
airasia tickets .

4. Existing credit cards (if any): Maybank Amex Platinum (weekend only restriction is becoming a hassle, merchant acceptance is still not as wide as i hope after years of sticking with it)

5. Interested in CC from: RHB shell, CIMB Petronas Inifinite

6. Others: i would prefer to only carry one card out for grocery and dining. the other categories should be able to load up to apps and pay from there.

This post has been edited by lin00b: Dec 7 2024, 11:14 PM

UOB One Annual Fee is not waivable? didnt find anything on waiver on website
Maybank 2 Plat is what i m currently holding and looking to move away from
Alliance VI is a points card, i think you meant alliance VS? thats in my shortlist. thanks.

thanks for the recommendation

currently i have shortlisted the following
1. RHB shell (petrol, grocery, e wallet, online, utility, others)
2. CIMB Petronas VI (petrol, grocery, dining)
for consideration/back up
3. Alliance VS (online, grocery, dining, petrol, utility, others)
4. RHB VS (Online, entertainment, shopping, overseas, others)
5. Maybank VS (Petrol, grocery, others)

going to monitor my spending for a few months to see if i can meeting the requirements for the first 2 before adding more.
with 1 and 2 my monthly limits
petrol : 920 for 120 cashback
Grocery : 500 for 30 cashback
Dining : 500 for 30 cashback
utility : 150 for 7.5 cashback (lol)
e wallet/online : 850 for 42.5 cashback
additonal 3500k on others to meet the threshold.

Maybe i will swap out CIMB with Alliance..

thanks for the recommendations!

for affin duo, what do they mean by this?
"Cash back is capped at up to RM50 per month with following Previous Balance in AFFIN DUO Visa Cash Back credit card statement:
- Up to RM50 for card account with previous balance of RM3,000 and above
- Up to RM30 for card account with previous balance of below RM3,000"

if i clear by outstanding end of every month, do i still get to have 50CB?

and can i only take up the CB (Visa) and not the points (mastercard)?

On "allergy to AF", i just dont like the hassle of calling and requesting for a waiver that is up to the goodwill of the bank..
also, the total CB is not that high ..
HL Wise max CB = 60/mo = 720/yr - AF98 - SST 25 = 597/yr
UOB One plat max CB = 60/mon = 720/yr - AF195 - SST25 = 500/yr

compared with
RHB Shell max CB = 100/mo = 1200/yr - SST25 = 1175/yr
CIMB Ptronas VS max CB = 120/mo = 1440/yr - SST25 = 1415/yr
Maybank VS max CB = 88/mo = 1056/yr - SST25 = 1031/yr
RHB VS : max CB = 190/mo = 2280/yr - SST25 = 2255/yr (but 1200 of that is overseas so spending pattern is not that good a match)

i dont mind spend threshold, because i dump random spending into my CC anyways and my month CC bill do hover around the 5-7k region.

i live in a place (not klpj) that dont have high amex acceptance rate.

also fell out of love with points and want more practical cashback

i dont get this.. whats the point of increasing the cb% if the max CB stay the same.. might as well get gold instead of plat/infinite...

1. Annual Income: RM200k++

2. Free Lifetime Annual Fee: A Must

3. Card required for: Mainly cashback for dining out. My spend around 1k+/month dining out and looking to capitalize from it. Prefer to be from 1 card to minimize tax.

4. Existing credit cards (if any): List them or Nil. RHB shell card for petrol and groceries.

5. Interested in CC from: cimb vi for dining out and groceries

6. Others: cashback preferred. Not interested to play the points game