1. Annual Income: 36k to 48k

2. Free Lifetime Annual Fee: Preferably free

3. Card required for: Monthly insurance premiums (prudential, allianz), bill payments (eg astro, umobile), ewallet topup, online shoping

4. Existing credit cards (if any): CIMB Cash Rebate Platinum Credit Card, HSBC Amanah MPower Platinum Credit Card-i

5. Interested in CC from: no preference

6. Others: My fixed monthly spend is for my insurance, bill payments, & ewallet topup

Would appreciate much for recommendations

1. Annual Income: RM48k

2. Free Lifetime Annual Fee: preferable, I’m low spender.

3. Card required for:
Monthly spending estimate:
Insurance (Allianz & Prudential currently): 1.3k
Top-up to e-wallet (mainly shopeepay): RM200

Negligible expenses (eg occasionally):
Petrol - RM 100
Groceries - RM 100
Grabfood - RM 50
Eat outside - RM50


Looking for: card that gives best return value out of above.

4. Existing credit cards (if any): CIMB Cash Rebate Platinum

5. Interested in CC from: any,

Thanks in advance

ok thanks willl look more into this..any justifications y u recommend affin duo over other cards?i see SC's JJOP offers higher cashback %..