Just wanna get your opinions here:
1. Annual Income: just >100,000. But servicing house loans and single income family. So extra expenditure controlled.

2. Free Lifetime Annual Fee: Free, or waiver with condition which is easily achievable

3. Card required for: Daily use, especially when Amex not accepted

4. Existing credit cards (if any): Maybank 2 Platinum Amex & Mastercard

5. Interested in CC from: Any

6. Others: Basically looking for something to use at places that don't accept my Amex. Or a card that's better than Amex.

Thanks to Sifus in advance.

Hi Sifus
I need some advice, need a new card to replace my HSBC Visa Signature due to getting 2 fradulent transactions in 3 months. The amount was small each time, but I have lost faith in HSBC CC although I still have a banking account with them

1. Annual Income: >RM100K

2. Free Lifetime Annual Fee: preferred or at least can be waived

3. Card required for: Bills, petrol, e-wallet topup, shopping, dining out, insurance payment, Netflix.

4. Existing credit cards (if any): Maybank 2 cards Amex(use where accepted) and Mastercard (Only for emergencies)

5. Interested in CC from: Any, but prefer international bank as I already have Maybank CC

6. Others: Would like to have complimentary airport lounge access, although I don't travel that much. Cash back or reward points would be nice.

Thanks in advance

1. Annual Income: RM100K above

2. Free Lifetime Annual Fee: YES or easily waive annual fee

3. Card required for: Want opinion if I should get another card for daily spending

4. Existing credit cards (if any):
MBB 2Card Amex: Using the AMEX for many years to get weekend cashback
MBB 2Card Mastercard: keep only

HSBC Visa Signature: I've been using this for many years for everything else, including Insurance autobilling, dining out etc. when I can't or don't use the AMEX. Also for PPL access.

5. Interested in CC from: Want to get the opinions of the experts here if I may be missing out on something.

Should i get another card for daily spending, E wallet topup (mainly touch n go), and just reserve the HSBC for PPL access? Although I will still need to use it to waive the AF.

Grateful for any opinions here. Thanks in advance