1. Annual Income: 36 - 39 k

2. Free Lifetime Annual Fee: Yes pls

3. Card required for:  Online transaction thru local and international sites. Must work with paypal for international. WOuld appreciate cashback on utility bill as well like tm and outside dining.

4. Existing credit cards (if any): None. Debit only

5. Interested in CC from: any

6. Others: I'm a big online spender, like literally almost everything are cheaper by buying online than outside. So i'm looking for the best cashback cc for online transaction for greater saving.

Question : I'm not familiar with cc, i just want to know if i need to pay a fee monthly even when i dont use the cc at all or it is based on my spending where i only need to pay the exact amount of my total spending in that month with the cc at the end of month?

Hi All,

1. Annual Income: RM100K and above.

2. Free Lifetime Annual Fee: Yes could be better.

3. Card required for:

   a) Petrol - Monthly Spend around RM600
   b) Facebook advertisement cost - Monthly Spend around RM3000 - Any card can have cash rebate for this field?

4. Existing credit cards (if any): HLB wise card only

5. Interested in CC from: I have no idea, too a lot card, don't know which 1 suit me

6. Others: Kindly please advise, especially the advertisement cost, if have any card can accpet for the cash rebate will be good for me. Thanks a lot

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol

4. Existing credit cards (if any): I am currently using, MBB2C, UOB One Card and Lady's Card and a normal HSBC Platinum.

5. Interested in CC from: 1. I am thinking wanted to terminate both UOB cards, find it not much CB and benefits. 2. Thinking want to convert to M2C to Maybank Ikhwan Card or not.

Hopefully i can get some useful tips here, thank you :bow: :bow:

What petrol station usually accept Amex?

haha thanks, but guess i am more to a petrol guy. 

Good day, sifu. Need recommendation;

1. Annual Income: RM168k

2. Free Lifetime Annual Fee: Must. if annual fee alamak rugi la.

3. Card required for: Petrol, groceries, bill, all transaction. I would prefer credit card than cash all of the time so that can get rebate / point

4. Existing credit cards (if any): Maybank 2 cards (AMEX & VISA), CIMB 3 cards - Cash Rebate, Petronas, Platinum.

5. Interested in CC from: Any.

I normally pay on daily basis for what i've spent to avoid any charges.

Thank you, all sifus

Hi everyone, look forward to all your suggestions.

1. Annual Income:
-RM36K

2. Free Lifetime Annual Fee:
-Yes (If waived the fees after minimum certain swipes in one year, this one also acceptable)

3. Card required for:
-Dining/Online/Groceries

4. Existing credit cards (if any):
-PBB Quantum Visa/MasterCard

5. Interested in CC from:
-Any Bank.

6. Others: Please be specific. Example:
-I am looking for another CC for dining/online/groceries categories, since my Quantum MasterCard already capped maximum RM30 every month for dining & online categories. So, requires another CC for cash rebate.

Hi all, any other card other then UOB give cashback on petrol? want to terminate that non-waiver card.

yea.... sad... mbb 2crd the amex no problem to use on all petrol station? including the petrol station convenience store?

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: At least waivable.

3. Card required for: Overseas Transactions, big purchases

4. Existing credit cards (if any): MBB2, MBB FCB, PBB Q MC/VS, HLB Essential

5. Interested in CC from: SCB, HSBC

6. Others: Basically which card is good for oversea transaction? + another card for big purchases? cause MBB Amex only good for 1k spending, FCB good for 2.5k. CB would be great but if good amount of points is ok also

Hmm but the SCB cap for CB a bit confusing hmm
Hmmm this is good for all transaction without cap hmm is there other nice no cap or high spending CB card? Or cards that good for big purchase in general.

OCBC titanium look interesting but online purchase only.

1. Annual Income (this one including ot / allowance ka??): then if include will be 42k - 48k. If basic only 24k

2. Free Lifetime Annual Fee: A must. Minimum swipe per year is also okay, no problem

3. Card required for: Petrol, Cash Back/Rebate, Free entry to airport lounge if possible. 0% installment plan too if possible

4. Existing credit cards (if any): -

5. Interested in CC from: Maybank (my salary bank) or any other bank that will easily approved my application. Aeon card not bad ?? 🤣

Haha. I applied online thru maybank2u. Uploaded my ic and latest payslip showing 4.1k salary include ot & allowance.

40 minutes later received email my application is unsuccessful / rejected. Pity me.

Then i checked my ctos report. Got 580 for ctos score. Got a car loan and ptptn loan. Always paid on time. All 0. But maybe i just worked for 9 months la. This is my 1st job.

Feel frustrated my application was rejected after 40minutes of application. Malu weh. So sad

Any other bank / credit card that is so easy to apply like maybank2u? Just fill in the application online, submit document, 40minutes later received the status.

I dont really like to receive call from agent or go to the counter / booth  or apply manually. I want to apply online for the ease at my finger.

Is the 5% only applicable for the AmEx? What about the other card that come with the package?

I see. To complement in what sense?

Thank you in advance.

1. Annual Income: RM49k

2. Free Lifetime Annual Fee: Free / Swipe 'X' times per year to waive fee

3. Card required for: Petrol / TnG

4. Existing credit cards (if any): Nil

5. Interested in CC from: AmBank Bonuslink Gold

6. Others: Targeting AmBank Bonuslink because I target to only fill petrol from Shell. Also wondering if can ever get points from reloading TnG.
Thanks in advance guys!

1. Annual Income: RM30K

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: Petrol, Groceries, Phone bills, online digital services( like Netflix or Steam), online purchase (Lazada etc)

4. Existing credit cards (if any): None

5. Interested in CC from: No bank preference

1. Annual Income: RM44K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Groceries, Online

4. Existing credit cards (if any): Ikhwan Gold, PBB Quantum

5. Interested in CC from: Looking to cover Petrol and Groceries for Ikhwan since its only Fri and Sat. Cover for Quantum Online since monthly online spending 1k++

1. Annual Income: 120k

2. Free Lifetime Annual Fee: A must or No only

3. Card required for: Everyday spend, dining, groceries

4. Existing credit cards (if any): M2CPremier,

5. Interested in CC from: no preference

6. Others: foreigner. Looking for alternate card when amex not accepted locally, or eventually Cashback

1. Annual Income: 40k

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

3. Card required for: 0% EPP

4. Existing credit cards (if any): Maybank 2 gold

5. Interested in CC from: any

6. Others: Want to have my lasik surgery (vision correction) at Ara Damansara Medical Center with this card, so high CL is preferred and can zero installment like 2 year

Thanks all sifu-sifus