Just to reconfirm... >RM240k is your personal and direct income in Malaysia, ie you will file Form B/BE 2020 by 30 April 2021 or 30 June 2021.

Haha, for high income group, there are 2 types of people, high flyers chasing for airmiles and spending a lot on travelling and fine-dining -> all kind of Visa Infinite CC including Maybank Premier CC / Visa Infinite (Note: Annual fee RM800, waived only if annual spend >RM80000);

Some people just like to earn cashback then you may end up having a lot of cashback credit cards (normally monthly cashback is capped at RM30/RM50/RM80, not unlimited) -> Maybank FC Barcelona Visa Signature (1% cashback for general use excluding Government, charities, e-wallets and utilites) or Maybank M2 Visa+Amex Platinum (if you aim for cashback, get Platinum instead of Premier).

Since you are banking with Maybank, apply your first CC at Maybank Card Centre (1Utama / The Gardens) or branch, don't use M2U Online Application or third-party referral service.

https://www.maybank2u.com.my/maybank2u/mala...ds_listing.page

There are some good cashback cards,
(1) Public Bank Visa Signature (online, groceries, dining and 2x free access to Plaza Premium Lounge) (you may add Quantum Visa and Quantum Mastercard as well - for online / paywave transactions)
www.pbebank.com
(2) Visa Duo Visa+Mastercard (Visa for Online / Direct Debit transactions)
www.affinbank.com.my
(3) RHB Visa Signature (online, entertainment, club, shopping and 5x free access to PPL)
www.rhbgroup.com
(4) Hong Leong Bank Essential, Wise etc.
www.hlb.com.my
(5) Standard Chartered Just-one Platinum, Liverpool Mastercard
sc.com/my

Best pick:
Maybank 2 card premier (min spend 80k for annual fee waiver). And best airmiles earning.

For klia lounge access can consider scb worldmiles. Or maybe uob VI for some potential regional ones. Most likely you will run out of free lounge access at some point but at least still got unlimited klia lounge...

Check out CIMB Travel World Elite. They are running a program now that gives 10x points for every RM1 spent, which translates to RM1 = 1 Mile.

Best pick:
Maybank 2 card premier (min spend 80k for annual fee waiver). And best airmiles earning.

For klia lounge access can consider scb worldmiles. Or maybe uob VI for some potential regional ones. Most likely you will run out of free lounge access at some point but at least still got unlimited klia lounge...

Check out CIMB Travel World Elite. They are running a program now that gives 10x points for every RM1 spent, which translates to RM1 = 1 Mile.

Don't know much about cash back. The next question is what are you collecting the points for? Is it for flyer miles or redeem stuff?

For instance, for Alliance Visa Infinite, though the reward multiplier is high for overseas transactions, you can only redeem Enrich Miles.

For local spend

1. Amex Platinum Charge card RM1.40/EM
2. Alliance VI + Plat + Vcard RM1.88/EM
3. HLB VI RM3.50/EM
4. AmBank Enrich VI RM4/EM
5. MBB World MC RM4/EM
6. HSBC VS RM4.20/EM

For Foreign Spend

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If you are gunning to get the most points for overseas transactions, then the best card would be UOB PME. Then again, recently, effective 23rd September 2024, the Air Miles conversion rate for both the UOB VI and UOB PRVI Miles Elite will be inflated to 12K UNIRM  (Previously 9K)= 1K Air Miles/Enrich/AirAsia etc...

Ultimately, it boils down to what you want and your end goal.

Any credit card still offering conversion to interest free installment for purchase? Notice that some bank offers end in Dec 31 2024.

Need to pay college fees for my kid soon

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: If can be waived then no issue

3. Card required for: Cashback
Groceries
Online spending
Ewallet
Petrol - least priority

4. Existing credit cards (if any): None

5. Interested in CC from: Alliance Visa Signature for all in one, but CB is low

6. Others: Just need a daily driver for lifestyle spending.

1. Annual Income: RM 30k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cashback/Rebate, Online Shopping, Petrol not needed since my company pays for it.

4. Existing credit cards (if any): Nil

5. Interested in CC from: Maybank,CIMB

Looking for a credit card with 0% foreign transaction fee. Are there any?

if purely targeting the spend to hit RM88 cb per month (ie RM1760 per month only); then be mindful of the huge RM550 annual fee from year2 if annual spending didnt meet min RM30k (min RM2500 per month)

1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: A Must or minimum xx times swipe

3. Card required for: Must be Shariah compliance, cashback. Mainly to pay for Takaful total 2.1k monthly, groceries, diners, groceries.
4. Existing credit cards (if any): MBB  Petronas Ikhwan, MBB Amex Ikhwan

5. Interested in CC from: nothing in particular

6. Others: Please be specific. Petronas CC mainly for petrol, Amex for online transaction shopee, lazada, tnb, unifi

1. Annual Income: > RM100K

2. Free Lifetime Annual Fee: Not a must, depends on benefits.

3. Card required for: Best all in one (too greedy?) Cash back, airmiles (bonus if have). Mainly used for Dining, Insurance payments (autodebit), Petrol, TNB, Maxis, Time Broadband, Online Transactions, Groceries.

4. Existing credit cards (if any): Maybank 2 Platinum, Ambank Visa Signature.

Was looking at the RHB Shell Chard, I think may be able to hit the monthly speed ≥ RM2500.
I will free up from the AMEX/weekend restriction. And allows for rebate from utilities and insurance payments, i think ?

Need some recommendations:

1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: A Must, doesn't mind calling to ask for waiver, but not Amex platinum that must pay RM3k annual fee type

3. Card required for: Dining, e-wallet reload (shopeepay), all retail spent is ideal, prefer cash back but good airmiles conversion that are not limited to Enrich works too, some overseas spend

4. Existing credit cards (if any): Maybank Barcelone VS, Amex plat for weekend 5%, Alliance VS cashback card, Affin Duo, Public bank VS, CIMB TWE, UOB Premier miles elite, Standard Chartered Simply Cash (will be canceling after Apr)

5. Interested in CC from: HSBC VS for lucrative Ringgit Plus promo; is RHB any good?

6. Others: Any cards that give good benefits for paywave transactions?

1. Annual Income: RM120K+

2. Free Lifetime Annual Fee: Preferably yes

3. Card required for: Best all in one  Cash back, airmiles (bonus if have). Mainly used for Dining, Insurance payments (autodebit), Petrol, Utilities, Online Transactions, Groceries.

4. Existing credit cards (if any): Maybank 2 Gold, Aeon Gold Visa, RHB Rewards Motion Code, HSBC Platinum Credit Card

I think I'm looking to upgrade my cards. One of the card I have is the RHB one which was changed by them from Classic card which I got in 2008 when my annual salary was 24k. RHB never really upgraded anything and I'm still on very minimal credit limit on that card. So I'm kinda looking to upgrade my cards.