1. Annual Income: Gross 100k
2. Free Lifetime Annual Fee: A must, or can be waived after XXX spending

3. Card required for: I only care about Reward Points! the lowest needed per redemption the better. If possible reward points that never expire.

4. Existing credit cards (if any):
Ordinary CIMB platinum & Enrich card (which was given free, 2x free pass to golden lounge yearly)

5. Interested in CC from: I believe none in Malaysia that can satisfy my needs where points can be transferred to hotels & various airlines.

6. Others:
I am loyal to CIMB because i use their rewards points to discount electrical goods purchased at SenQ. 250 points for RM1 can save me hundreds every year! But soon they will update the redemption up to 400 points = RM1 which is a huge devaluation! I dont think spending RM1 = 2 bonus points works anymore.


Kindly provide me with the best card you think.
Cashbacks, discounts, access to lounge are nice perks but not necessary.
Thank you

wow 80k per annum is impossible even pay downpayment for house is only 1 time

I shall be reading about MBB 2 Cards, thanks for the recommendations