1. Annual Income: RM120+K

2. Free Lifetime Annual Fee: Yes, or if it can be waived

3. Card required for: Airmiles and/or occasional overseas spending

4. Existing credit cards (if any): UOB PRVI Miles & Yolo, Maybank 2 cards platinum Amex, Maybank FCB, PB Visa Signature

5. Interested in CC from: Any

6. Others: Currently able to max out all cashback from FCB/Yolo/Amex. Using Prvi Miles for occasional spending when traveling overseas (once or twice long holidays a year). After checking 2019 points value, I'm thinking of canceling that card. I could use BigPay for the low conversion rate, but are there any better options I could afford? Not sure if I can manage MUVI as annual fee is pretty high and I don't think I spend enough to qualify for a waiver even if I stop using all the other cards.

This post has been edited by yimingwuzere: Jun 6 2019, 10:58 PM

PB Quantum

If you max out your cards without including insurance cost, Maybank FCB or PB AIA card may be viable extra cards.

This post has been edited by yimingwuzere: Dec 19 2019, 03:21 PM

If you're looking for cashback:

Mobile/internet, petrol - Amex 2 cards gold/plat, pay on weekends for CB,
TNG + most autobilling - Affin Duo Visa, put the leftovers in BigPay
Both cards can be maxed out at RM1k/month each. Keep the non-Amex Maybank card + the Affin Mastercard in a drawer as both are useless.

Yes, but the AMEX card pays off the RM25 lost on the second card. RM50 max cashback a month on everything except e-wallets and bills related to government, electricity, water, sewage and gas is a pretty vast scope, and can be maxed out fairly easily in spite of AMEX not being accepted by every store.

Are there any <100k annual salary cards that still offer airport lounge access, without high spending criteria requirements or unavoidable annual fees?

This post has been edited by yimingwuzere: Jul 16 2025, 08:21 AM

Travel One has an annual fee of RM300, VS RM600. According to RinggitPlus/CompareHero, waivers for VS require annual spending of RM2,000 and spend at least once a month for 12 consecutive months, T1 annual spend of RM20,000. Are call-in waivers also an option if one uses HSBC for their primary bank account?

I find it strange that there's no mention on the waivers on HSBC's website.

This post has been edited by yimingwuzere: Jul 16 2025, 01:59 PM

Yes, offsetting the RM25 charge is harder for pretty much every bank. That's not a big deal.

I checked the fine print and it seems that there's no coverage at all for Subang or KLIA2 lounges. While Subang lounge coverage is rare for cards, KLIA2 seems weird, almost as if they removed it recently just like UOB did. Any other cards that still offer KLIA2 access?

Depends on whether you want to travel, and how much your annual expenditures are on your cards.

Low spender + don't fly = better off with cashback.
High spender + travel = points for air miles.

Air miles is the only thing worth redeeming with points, IMHO.

Maybe break down what you spend, and where on a monthly basis? That'll be easier to identify what cards suit you best.