Hi, hope i can get some suggestion here.

1. Annual Income: RM 90k

2. Free Lifetime Annual Fee: Prefer waiver / free

3. Card required for: Petrol ,Cash Back, dining discount, insurance payments,utilities and telco bills

4. Existing credit cards (if any): CITIBANK reward and premier miles
(My spouse just got a card without homework)

5. Interested in CC from: Anywhere but not UOB ( ppl advice dont keep a CC in a bank with majority saving...dont know why..)

6. Others: My spending in a month for: 3000 ( in total roughly as listed in the coloum ..card required for )

Hi, hope i can get some suggestion here.

1. Annual Income: RM 100k

2. Free Lifetime Annual Fee: Prefer waiver / free

3. Card required for: Petrol ,Cash Back, dining discount, insurance payments,utilities and telco bills

4. Existing credit cards (if any): CITIBANK reward and premier miles
(My spouse just got a card without homework)

5. Interested in CC from: Anywhere but not UOB ( ppl advice dont keep a CC in a bank with majority saving...dont know why..)

6. Others: My spending in a month for: 3000 ( in total roughly as listed in the coloum ..card required for )
I would like to have airport lounge access..tq

Do advice sifus

What is VS...
Anycard for lounge with petrol and cash back...

Sorry very New to cc

Ampun and thanks sifuss

If im not interested in airport lounge..what will be the best cc sifus??

Hi, hope i can get some suggestion here.

1. Annual Income: RM 60k

2. Free Lifetime Annual Fee: Prefer waiver / free

3. Card required for: Petrol ,Cash Back, dining discount, insurance payments,utilities and telco bills

4. Existing credit cards (if any): CITIBANK reward and premier miles

5. Interested in CC from: Anywhere

6. Others: My spending in a month for: 3000 (Petrol ,Cash Back, dining discount, insurance payments,utilities and telco bills )....
if can include airport lounge would be extra benefits

Do advice sifus

This post has been edited by suntharram: Nov 19 2018, 06:28 PM

1. Annual Income: RM 75 k

2. Free Lifetime Annual Fee: Yes

3. Card required for:
- Online...Flight..Hotel...( 3-4 months once)
- Petrol...450/month
- To pay bills...
utilities ....300/month
insurance...2000/month..
Groceries..
Dining...

4. Existing credit cards (if any): None

5. Interested in CC from: Anything

6. Others: Would be interested in...
- CashBack...
- Hotel stay freebies
- Airport Lounge ( Local & International )

No need supplementary needed...as we will carry one card

Bank Rakyat Card...cons???

1. Annual Income: RM 70k

2. Free Lifetime Annual Fee: Yes

3. Card required for:
Petrol, Groceries,Flight &Hotel ( 4x/year),Online ( 2months once) , Insurance (monthly),utilities( water electric TMNet ) , Purchase with Flexi Pay "0" interest

4. Existing credit cards (if any): Nil

5. Interested in CC from: - Nil

6. Others: Interested in Cash Back , Airport Lounge , Freebies & Promotion ( e.g Hotel Voucher and etc..)

Take both the cards??
If yes how to to maximize sifu ??

1. Annual Income: RM 70k

2. Free Lifetime Annual Fee: Yes

3. Card required for:
Petrol,
Groceries,
Flight & Hotel ( 4x/year),
Online ( 2months once) ,
Insurance (monthly),
utilities( water electric TMNet ),

4. Existing credit cards (if any): Nil

5. Interested in CC from: - Any

6. Others: Interested in Cash Back , Airport Lounge , Freebies & Promotion ( e.g Hotel Voucher and etc..)


pls advice sighs