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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

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strattos93
post May 2 2024, 04:06 PM

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Joined: Nov 2021
want to ask for alliance visa signature

Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends

online shopping exclude ewallet top up right, and other retail spends means paywave etc?
strattos93
post Oct 1 2025, 11:20 AM

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Junior Member
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Joined: Nov 2021
1. Annual Income: RM 60k

2. Free Lifetime Annual Fee: Yes, or rewards > annual fees paid

3. Card required for: (i) reward points, spend RM 25k on SPayLater

4. Existing credit cards (if any):
HSBC onetravel (roadshow sign this to me)
MBB barcelona (max cb)
RHB shell (max cb)
AMbank true visa (max cb)


5. Interested in CC from: any cards that can max reward from RM 25k spending

Thank you
strattos93
post Oct 1 2025, 12:13 PM

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QUOTE(ClarenceT @ Oct 1 2025, 11:24 AM)
Pay with
Maybank 2 Amex (bundled with a Visa/Mastercard)
On Monday-Friday.
5x Treatpoints

125000 TP = RM250 at on-the-spot redemption outlets.
*
I tried to apply online just now but not sure did I update my documents successfully. Maybank application system is really bad... I try to upload with phone, also cant
strattos93
post Oct 6 2025, 07:49 PM

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Junior Member
62 posts

Joined: Nov 2021
QUOTE(ClarenceT @ Oct 1 2025, 11:24 AM)
Pay with
Maybank 2 Amex (bundled with a Visa/Mastercard)
On Monday-Friday.
5x Treatpoints

125000 TP = RM250 at on-the-spot redemption outlets.
*
Wow, i got my cards today. But I m a bit confused, so the 5% cashback on weekend (all spending right?) and 5x treat points on weekdays, both on amex card? so the gold master one basically useless is it?
strattos93
post Oct 6 2025, 08:05 PM

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QUOTE(ClarenceT @ Oct 6 2025, 07:58 PM)
Yes use Amex only.
Sat/Sun 5% CB capped at RM50/month. T&C apply (some transactions no CB)
Mon-Fri 5xTP for most of transactions, 0x/1x TP for some transactions.
Read T&C, PDS.

You may use Mastercard if Amex is not accepted. Mastercard NO 5% weekend CB, No 5x TP. You cannot cancel the card. You need to pay SST RM25 per card every year.
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what if i dont activate the mastercard?

and for Amex, I should get CB from spaylater too right if I spend on weekends
strattos93
post Oct 6 2025, 08:43 PM

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Junior Member
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Joined: Nov 2021
QUOTE(ClarenceT @ Oct 6 2025, 08:10 PM)
It will be auto activated and SST charged.
(Refer to T&C, PDS, FAQ).

Yes, but CB capped at RM50 /month only. If RM25000, 125000 TP much better than RM50.
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hmm, I just activated the amex one and mastercard there says pending activation. oh well.

Oh, I can just spend RM1000 on weekends to get the RM50, then the remaining rm25000 on weekdays for the TP
strattos93
post Oct 7 2025, 04:28 PM

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Joined: Nov 2021
QUOTE(ClarenceT @ Oct 7 2025, 04:44 AM)
Bear in mind, you can't pay any amount as you like to Spaylater-EC. Only final bill balance or outstanding balance IN FULL.
*
ya, i know, i always pay my spaylater when it reach around RM 1k++ if I reach this amount before 10th every month

 

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