1. Annual Income: 85k-95k

2. Free Lifetime Annual Fee: Preferably free or if CB>Annual fee

3. Card required for: Petrol (RM250/month), Insurance (RM710/month), Retail personal care services (RM200-300), Phone (RM100+50), Assessment fees (quarterly), language education fees (quarterly), condo management fee (quarterly), Elec utility (monthly), often use to top TnG (toll) & Boost (Air selangor, parking); monthly usually >2k CC expenses

4. Existing credit cards (if any): MBB Gold, Citibank Clear

5. Interested in CC from: MBB Barcelona, SC JOP (Should I get both or 1? or combo with other? hmmm.... )

6. Others:
- I always opt for CC payment (even in family mart lol) for the benefit eg. points/ weekend CB, but now i want to focus on CB only
- Thats why i plan to cancel MBB 2 cards to opt for CB CC
- Plan to cancel Citibank clear as well as i seldom watch movie and drink Coffee Bean lol
- IMPORTANT - i also need a card that is common in providing installment plan in retails (for monthly personal care) and big ticket items (rarely but might be handy)

Thanks in advance!

This post has been edited by loveydovey_: Feb 25 2020, 01:31 PM

Would you consider MBB Barcelona also? total savings seems higher than SCB JOP (after reduce annual fee) tho.

MBB JOP
jan 50 60
feb 50 60
mar 50 60
apr 50 60
may 100 60
jun 50 60
jul 50 60
aug 100 60
sep 50 60
oct 50 60
nov 50 60
dec 50 60

annual fee 0 250
savings 700 470