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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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strattos93
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May 2 2024, 04:06 PM
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Getting Started

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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?
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strattos93
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Oct 1 2025, 11:20 AM
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Getting Started

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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
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strattos93
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Oct 1 2025, 12:13 PM
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Getting Started

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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
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strattos93
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Oct 6 2025, 07:49 PM
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Getting Started

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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. 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?
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strattos93
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Oct 6 2025, 08:05 PM
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Getting Started

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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. what if i dont activate the mastercard? and for Amex, I should get CB from spaylater too right if I spend on weekends
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strattos93
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Oct 6 2025, 08:43 PM
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Getting Started

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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. 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
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strattos93
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Oct 7 2025, 04:28 PM
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Getting Started

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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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