![]() (See the recent POSB Everyday Card annual fee waiver rejection saga that unfolded on Hardwarezone here.) When times are bad, banks may tighten their belts and start charging users annual fee despite good banking relationships and prompt and full payments. Umm… that’s not exactly a “no annual fee credit card”. However, most articles lead you to credit cards with two or three year annual fee waivers. Sick of the hassle, you start browsing “no annual fee credit card” articles. I hope this article has been helpful.Every year, you call that number on the back of your credit card, fumble with the answering machine’s 1,000 options and then finally after lots of hair-pulling frustration get to speak to a real human being in order to request a credit card annual fee waiver. See other no annual fee credit cards here. Click on the buttons below to check out the Maybank 2 cards and compare other credit cards that are available: I understand that there is no perfect credit card, but I feel like the Maybank 2 credit card is the most straightforward & best fit for me, which is why I’ve been using it for the past 7 years.įor you, it could be different. You can’t get cashback when paying government related bills (fines, TNB, taxes, IWK)īut apart from that, most of the things that I purchase over the weekends accept AMEX cards, such as petrol, shopping at the mall, doing groceries, and hanging out at cafes and restaurants.Cashback is only available for purchases on the weekends.Cashback is only available for the AMEX card, which not all merchants accepts.Personally, the Maybank 2 Credit cards seem to be the best fit for me. Here’s my analysis of the best cashback credit cards in Malaysia: Best Cashback Credit Cards in Malaysia Profit (cashback + benefit) rinse & repeat.Always pay in full each month to avoid paying any interest.free travel insurance & weekend cashback) Always charge the card on stuff that has free benefits (i.e. ![]() Pick a credit card with benefits that suits your lifestyle (i.e.These are the 4 steps to financially benefit from a credit card: Nice! How to Beat the Credit Card Companies TLDR : If you pay your credit cards in full each month, the banks will not charge you any interest, and you’ll get all the benefits of having a credit card. Here’s a credit card interest calculator to make it easy for you. ![]()
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