what is the best CC for cash back?
-annual income say 60k maybe
-mainly use for online purchase,shopping,dining,entertainment
means maybe with more or unlimited cap..
cheap or free annual fee
less interest
or any other things that can be consider
i dont really interested in the point system as for me redeemed item mostly not interesting and can be found cheaper online << or should i rethink :-)

where/which municipal? have you tried their own portal (if any)? do they have payment kiosk? do they have their own app?

which pb cards you have?

try ask counter or check kiosk if can accept TNG eWallet. then still got chance.

direct cc payment, no rewards.
alternative: pib visa > kiplepay wallet + visa prepaid card > pejabat tanah

Are there any other cards that are better than m2 gold, pb quantum card?

Apologize for not being that specific in my previous post.

I would say in terms of Cashbacks since both of these cc are for cashbacks.

public islamic visa
affin duo
uob yolo
rhb shell
scb jop

limited cb quota shared by all yolo users

yes, fcfs cb

maybank fc barcelona 1%
affin duo

Thanks all for the responses. After careful thinking, I'm thinking to get credit card. Please advice me on the best one in Malaysia. How should I know it's the best one? What are the characteristics I should look for?

HLB Wise, 8% weekend, capped at RM15.
PB VS, 3%, minimum spend RM100, capped at RM30.
CIMB VI, 5x reward points.
Maybank M2 AMEX, 5% weekend, capped at RM50.

uob one
uob yolo
pbb vs
Affin duo+
BSN visa cash back
m2c amex
hlb wise
Citibank cash back
alliance vs

as usual, follow t&c

you should put your criteria instead of generic 1-liner statement

try affin duo+

3% but no min spend. always in my wallet for adhoc spend like f&b

Hi everyone, I'm 30 y/o this year and I have never own a credit card in my life, mainly due to me thinking that it would serve as a liability more than a necessity.

I would say I manage my monthly salary well, and control my monthly spending so overall my financials is in good hands. I earn about 2.5 - 3k per month, including paying off for every other needs. Now my main question, should I apply for credit card ? I don't think I'll be using it at all, maybe a few times per month, just to keep a good track of credit score, so it'll be easier to take a loan in the future, any advice ? Mainly I'll still be using Debit card