1. Annual Income: RM78K

2. Free Lifetime Annual Fee: Preferably free for life or reasonable AF based on current annual income level

3. Card required for: Cash Back / Rebate > Air Miles > PPL

4. Existing credit cards (if any): Maybank FCB and Maybank 2 Cards AMEX Platinum

5. Interested in CC from: None in particular, need recommendations that are better than what I'm using now.

6. Others: Consistent spending about RM1k per month for 2 households (utilities mainly).

This post has been edited by tzxsean: Dec 22 2022, 09:39 PM

1. Annual Income: approximately RM75K

2. Free Lifetime Annual Fee: Free or waivable without high annual spending requirements (below RM30k should be possible)

3. Card required for: Travel miles, lounge access (not very important as I'm based in Penang)

4. Existing credit cards (if any): Maybank2card AMEX + Maybank FCB card

5. Interested in CC from: None in particular

6. Others: Since the cash back reward from my existing maybank cards are no longer good (due to own spending pattern/habit and other restrictions) , I plan to shift all my spendings (where possible) to the new card to maximise the rewards. However, I'm not really a frequent traveller (around 1 overseas trip per year since last year).

This post has been edited by tzxsean: Jul 8 2023, 10:53 AM

tbh I will still stick with AMEX since the TreatPoints can be exchanged for air miles ...

just that the darn FCB card is useless and I want to have a substitute for it (preferably compatible with Apple Pay)

Hi guys, need your latest credit cards recommendations based on criteria/info below.

Thanks in advance!

1. Annual Income: RM100K & above

2. Free Lifetime Annual Fee: No

3. Card required for: Cash back / air miles

4. Existing credit cards (if any): Maybank2card AMEX Platinum & Maybank FCB Visa Signature only

5. Interested in CC from: Any bank (preferably support Apple Pay)

6. Others: Most of my fixed monthly spendings are for utilities, i.e. Astro, TNB, Unifi, which is about RM500-RM700. Petrol is probably about RM200 per month. The rest (floating amount) would be for food & entertainment (through Apple Pay, TNG or MAE).

This post has been edited by tzxsean: Feb 26 2024, 09:17 PM

any feedback for my post?

1. Annual Income: About RM115K

2. Free Lifetime Annual Fee: No (Preferably waiveable)

3. Card required for: Cash back

4. Existing credit cards (if any): MBB AMEX (Maybank 2 Cards) and UOB PRVI Miles Elite

5. Interested in CC from: Any (Preference: Not based on monthly spending / category)

6. Key monthly spendings:
- Petrol (Shell): RM200-RM250
- TNG reload (food & parking): RM300 - RM400
- Utilities (TNB) - RM400- RM500
- Telecommunication (Unifi, Maxis & Astro) - RM350

This post has been edited by tzxsean: Apr 21 2024, 06:04 PM

i looked at the card this morning but sadly I can't fulfill the 2.5k spendings per month.

At most I can only reach middle tier and it is just barely an improvement from my current cash back from AMEX

my TNG reload is mainly for parking (RM200) and food (transfer to individual for lunch box order, not business). I'm not sure if I can use other way to cover this ...

or RHB Shell Visa is the only way ...

This post has been edited by tzxsean: Apr 21 2024, 07:18 PM

I can't get much cash back from AMEX because TNG / TNG is the main bulk of my current monthly expenses ...

I decided to go PBB Islamic Visa Platinum

Shell/Unifi/Maxis/Astro - Maybank 2 AMEX 5% cash back on weekend

Utilities maybe can go PBB Islamic Visa Platinum (reload to TNG and pay to TNB) - 4-1% cash back capped at RM30 (RM750 spending)

air miles conversion is like shit now, especially for local spend ....


just go for cash back if you're not high spender

you might need multiple cards

- Alliance Visa Signature
- RHB Shell
- CIMB Petronas Visa Infinite
- Maybank 2 Card AMEX

UOB PRVI Miles Elite

This post has been edited by tzxsean: May 8 2024, 11:00 PM

CIMB actually has more access to lounges worldwide compared to UOB ... if you can qualify for CIMB Petronas VI, you should apply as well since it's free for life and has 4x lounge access (I think) per year with no strings attached.

https://www.cimb.com.my/en/personal/day-to-...redit-card.html

there is none

maybe u mixed up with diff card

Cimb travel plat has no cash back?

RHB Shell Visa / Alliance Visa Signature?