1. Annual Income: gross 80k

2. Free Lifetime Annual Fee: Yes or waive with swipe

3. Card required for: Occasional dining, occasional online purchases (lazada, flight tickets, accomodation etc.) and occasional grocery. General monthly spent about RM1-2k on average

4. Existing credit cards (if any): Maybank 2 Card Gold, SCB Master Cash Back Gold

5. Interested in CC from: Public Bank Visa Signature or Public Bank Quantum Signature

6. Others: Need extra cards to maximize CB earned as AMEX only applies on weekend and SCB to maximize CB, need to spend more.

1. Annual Income: gross 80k

2. Free Lifetime Annual Fee: Yes or waive with swipe

3. Card required for: Occasional dining, occasional online purchases (lazada, flight tickets, accomodation etc.) and occasional grocery. General monthly spent about RM1-2k on average

4. Existing credit cards (if any): Maybank 2 Card Gold, SCB Master Cash Back Gold

5. Interested in CC from: Public Bank Visa Signature or Public Bank Quantum Signature

6. Others: Need extra cards to maximize CB earned as AMEX only applies on weekend and SCB to maximize CB, need to spend more.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: If possible, if not, can swipe 12x to get rebate also fine.

3. Card required for: General purchases (groceries, dining, retail purchases, utilities, medical etc.) and e-wallet topup (TNG ewallet and Shopeepay)

4. Existing credit cards (if any): Maybank 2 Gold Amex and PB Visa Signature

5. Interested in CC from: Any bank is fine as long I can maximise cashback.

6. Others: Been using Maybank 2 Gold Amex and PBVS for ages (Malaysian). Mostly Amex for purchases on weekend (groceries, utilities, dining etc.) and PBVS for purchases over RM100 to maximise cashback (now usely for topup TNG). Both Amex and PBVS currently maxed out every month. Now looking for CC which can help with another RM1-2k purchases per month to maximise CB. Looking for e-wallet topup (TNG or Shopeepay) to maximise CB.

Also, I just recently returned back to corporate work (previously was doing freelancing for few years hence didnt apply any new CC).
Does applying for CC now require 3 month payslip or EPF statement for approval like buying car or more loose restrictions?

Thank you in advance.

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: If possible, if not, can swipe 12x to get rebate also fine.

3. Card required for: Additional cashback, overseas spending with good conversion (more for AliPay purposes due to biz trip to China), flight (miles) and hotel, airport lounge access, online speding, e-wallet topup (ShopeePay)

4. Existing credit cards (if any): Maybank 2 Gold Amex, PB Visa Signature, PB Visa Platinum Islamic (benefit reduced), Affin Duo

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

6. Key Monthly Spending

Groceries 800-1000
Utilities 200
E-Wallet Topup 500-700
Dining 200-300
Misc 300-400

7. Others

Been using Maybank 2 Gold Amex and PBVS for ages (Malaysian). Mostly Amex for purchases on weekend (groceries, utilities, dining etc.) and PBVS for purchases over RM100 to maximise cashback (now usely for Shopee purchases above RM100). Amex is maxed out monthly.

PB Visa Platinum Islamic and Affin Duo Visa being used to topup Shopeepay to maximise CB. Planning to cut PBV Platinum Islamic since benefits reduced next month onwards.

Now looking CC for cashback on overseas/online spending for flights/hotel, CC with great forex rate if tied to AliPay since i have biz trips to China, flight miles and/or airport lounge access.

Nope, I dont have that.

Can I have both Maybank 2 Gold Amex and Maybank Ikhwan Amex simultaneously (after I applied for it)?

This post has been edited by menime123: Jun 24 2024, 07:39 AM

no problem with that. Maybank Card Centre at 1Utama is near my place. Gonna enquire them then.

Any other CC recommendations?