1. Annual Income: RM48k (current) RM144k (after 3 months december 2018)

2. Free Lifetime Annual Fee: Prefer waiver / free / minimum swipe

3. Card required for: List all your needs. Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions,

4. Existing credit cards (if any): HSBC amanah

5. Interested in CC from: cincai

6. Others: I need 2 cards , 1 for cash back , paying insurance , and bills in malaysia , 1 more for when i work overseas for the juicy air miles i will be collecting.
for cash back card preferably can swipe for beer/bar payment . I made the mistake of using a card that does not allow payment for non halal stuff when i only bring enough cash for grab car. Ended up calling friends to help pay for me . kantoi .



I tried for maybank barcelona but i dont know why they rejected my application whereas citibank and uob kept offering me cards. 6 months prior to maybank barcelona application i already cancel all my citibank and uob cards to make my ccriss better. Total 3 card canceled. Only left hsbc amanah now.
Maybank more picky?

thanks for the reply , what about air miles ? I will be traveling to and fro china for alotta times.