Lowyat.NET: Latest topics in Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards

DuitGain App – which credit card to use at, Scan a shop’s QR → best card + bank deal

dimgai — Fri, 06 Nov 2026 10:22:39 +0800

Hi all,

Some of you helped test DuitGain earlier through the closed test on Google Play. Thank you! It's now live on Google Play, so I'm starting a proper thread for questions, feedback and bug reports.

What is it?
A free Malaysian credit card tool that answers three everyday questions:

At this shop, which of my cards should I use?
Does any of my cards have a deal here?
Which cards get me into the airport lounge for free?

Main features

Scan a shop's DuitNow QR (or type the shop name): it reads the shop's MCC and ranks your saved cards by what they'd earn there, plus any bank deals at that shop
Deals for my cards: 3,000+ deals published by the banks (and Visa / Mastercard / Amex), filtered to the cards you hold, sortable by how much you save on a bill
Calculators + optimizers: Cashback, Enrich, KrisFlyer, plus an optimizer that finds the best 2–3 card combo for your monthly spending
Card Library: 280+ cards from 18 banks: income, fees, rates, caps, lounge access
Lounge Library: search an airport (KLIA, Singapore, Tokyo…) and see which cards get in free, based on each bank's own T&C and lounge list
Bank promotions in one place, with optional alerts for the banks of your saved cards

What it doesn't do

No sign-up, no ads, no affiliate links. No bank pays me, so rankings aren't sponsored
Never asks for card numbers. Your saved cards stay on your phone

Honest caveat: the MCC on a DuitNow QR isn't always the same as the card terminal's, and the bank decides by the terminal. Treat the scan result as a strong hint, not a guarantee. If a shop type looks wrong, there's a "Tell us" button in the app.

Download
Android: Google Play – DuitGain
iPhone: no native app yet, but the web app works well. Open duitgain.com/app in Safari → Share → Add to Home Screen. (Scanning a QR from your photo album doesn't work on the iPhone web version yet; the camera does.)
Website: duitgain.com

About me
One-person side project. I'm a tuition teacher by day and a credit card / miles / lounge nerd the rest of the time. Card data is checked against the banks' own T&C, but banks change things often, so if you spot something wrong (rates, caps, lounge rules), please post it here. I'll update the data and reply in this thread.

Screenshots below 👇

Multi-BIN Virtual Prepaid Cards with Crypto (USDT), Multi-region BINs

ScaleAndPay — Mon, 05 Oct 2026 04:05:21 +0800

Hi everyone,

Wanted to share an overview and start a discussion on Pay2.House, a virtual card platform primarily designed for digital subscriptions, online advertising, and SaaS tools, especially for users looking for crypto-friendly payment solutions.

Overview & Key Specs:

Card Types & BINs: Multi-region BINs available (US, CA, EE, SG, HK), providing high acceptance rates for international platforms.
Supported Merchants: Works with major ad networks (Meta Ads, Google Ads, TikTok Ads) as well as global SaaS/AI platforms (ChatGPT, Claude, AWS, Midjourney, etc.).
Account Top-up: Automated deposits via USDT TRC20 with fast balance crediting.
Security: Built-in 3DS verification codes directly accessible inside the dashboard.
Interface: Team-friendly dashboard suited for managing multiple cards without complex setup barriers.

Has anyone here tested their BINs recently for digital services or ad platforms? Would be interested to hear experiences regarding acceptance rates and fees compared to other prepaid crypto cards.

CC Application Rejected -,

watabakiu — Mon, 04 Mar 2024 15:09:29 +0800

[attachmentid=11492261]

Other than the high Debt Service Ratio, any idea why the person's CC application with a third bank got rejected? Payments are all on time (i.e. all 0 0 0 0 0 0 0 0 0 0)
Salary more than enough for a Gold card, but no idea on other details for example employment duration or anything else.

balance transfer question,

guysmiley — Mon, 25 Dec 2023 16:37:46 +0800

hi. newbie question. long time only have 1 card. now planning to change to new card. so lemme get this straight...

i have 1k outstanding in card 1.
so i submit balance transfer of 1k from card 1 to card 2.
once success, card 1 is now fully paid.
so now i can just continue pay in card 2.

correct? thanks in advance.

got lipoted. please move this to correct one or advise me..t hanks

Best credit card for fresh grad, Applying for CC after 1 year working

sean24 — Thu, 21 Dec 2023 11:47:56 +0800

Hi guys,

Recently, it has been a year since I started working and decided that I want to apply for a credit card in Malaysia.
Currently, I've only been using a supplementary card tied to my parents.
My expenses mostly consist of dining out, fuel and occasional shopping (in store and online).

I'm looking for a credit card with the strikes a best balance of the following rewards in no particular order.
1) Sign Up Bonus
2) Perks and Benefits (Eg: Deals/Cashback/Points/Miles)
3) Annual fees

I'm not particularly worried about interest rate as I do not have many commitments for the time being and should be able to pay off my debts within the month without issue for now.
Please provide some recommendations on which Credit card for which I should apply for.

Also, it would be great if advise is given on methods for applying for the credit cards.
(I kept seeing rewards for signing up through RinggitPlus and CompareHero, wondering if it makes sense to apply through them)

Thanks in advance.

Visa or Mastercard, Debit Card

westlife — Fri, 13 Oct 2023 22:08:18 +0800

need to choose my renewal card. which one is better?

Applying Credit Card as a Director,

kribrigdefoo — Mon, 04 Sep 2023 13:44:19 +0800

Hi,

Anyone applied for a credit card as a director of a sdn bhd before?
I consistently pay myself salary every month.

Apply credit card limit increase in CIMB kena reject.
Apply HSBC credit card kena reject also.

Which bank is OK with my current profile?

monthly installment vs credit limit,

creations — Thu, 10 Aug 2023 15:35:03 +0800

Hi all,

If I want to buy something that exceeds my credit limit but I am paying by 0% interest monthly installments (which the amount monthly is within limit and I will pay off monthly) for 2 years, will my card be declined?

Thanks.

Public Petron Visa Gold Credit Card,

Little Red Apple — Sun, 21 May 2023 19:01:36 +0800

Hi guys, anyone can help advise? Today I went to Petron station and wave my Public Visa Gold for petrol RM 50 in the cashier counter, then I go back to pump, cannot finish only used RM 40, I check my app they charged me RM 50, but it's in unposted transaction, will they refund me the RM 10 back? TQ I first time use this card

Bonuslink Card,

contestchris — Thu, 04 May 2023 13:20:11 +0800

Since I can't find a Bonuslink topic, I'm gonna create one.

Has anyone received the 870 Bonuslink points for spending RM290 at shell in March 2023?

What time to pay to avoid credit card charge,

NeohJing — Mon, 13 Feb 2023 11:20:57 +0800

Use Credit card to buy Apple Mac online for Rm6k smthg: on 8 Feb 2023 but the thing not yet arrive.

Want to ask about credit card charge, do i need to pay before 10 Feb 2023?

Statement date: 21 Jan 2023
Payment due date: 10 Feb 2023

What's your annual cashback earned?,

contestchris — Mon, 30 Jan 2023 02:18:59 +0800

Just curious how much cashback did you earn last year across all your cards?

If you can share the breakdown by card, that'd be much appreciated.

For me, as follows:

RHB Shell Visa: RM1,023 (No annual fee)
HLB Wise Visa: RM424 (RM98 annual fee - cashback from Feb 2022 onwards)
Citibank Cashback: RM31 (No annual fee - cashback for Jan 2022 only as card was then cancelled)
Total = RM1,478

No "pseudo" transactions (e.g. top up ewallet then transfer to bank account)

Prepaid/Virtual card recommendation,

imbibug — Sun, 08 Jan 2023 19:17:42 +0800

I'm looking for prepaid card recommendations for seniors to make contactless payments and ringgitplus didn't have a section on prepaids/virtual cards.
Some plusses would be low or no annual payments. So far I've seen Maybank, Aeon, Bigpay. Any recommendations on this 3?

Also are there any virtual prepaid/credit cards that do not need a salary requirement other than gopayz? Anyone used gopayz?

Can I apply credit card online?,

eligible — Sat, 31 Dec 2022 11:33:37 +0800

Can I apply credit card online?

1. I'm in Singapore.
2. home address ( as delivering credit card)
3. which bank entitled to apply online?
4. no physical time to go to Malaysia Bank itself.

Personal Current Account Opening Suggestions, Without Enterprise and SSM

Dic-Syen — Wed, 07 Dec 2022 15:45:00 +0800

Bank of China (Malaysia) Great Wall Prepaid Card,

nfiz3333 — Sat, 26 Nov 2022 11:13:07 +0800

So I have a question about Bank of China (Malaysia) Great Wall Prepaid Card.

1. Can I use that card for Alipay and WeChat Pay? I mean, link Great Wall Prepaid Card into Alipay and WeChat Pay, especially the ones with Yuan currency (dragon ones) for pay the Bilibili, Weibo or youku subscriptions in proper subscription fee.

2. Is it possible to top up Great Wall Prepaid Card using other bank transfer (Duitnow transfer/Interbank GIRO)? I saw that on terms and conditions but I'm not sure if it was true or not.

3. If I'm using yuan currency version of that prepaid card (dragon ones) to pay streaming services from China in yuan currency, will it charge extra currency conversion fee? Any ideas?

I had to get those questions answered before I want to apply for it because I have Alipay but when using my current debit card on Alipay not all merchants online can accept my current debit card through Alipay (it shows International Card not accepted on merchants through alipay).

Which credit is good to apply?,

keong8867 — Sat, 24 Sep 2022 01:13:18 +0800

I'm using UOB one card. But I thought it dont have a lot promotion or cash back. I dont know what credit card is good now, any suggestion? Also want to know cashback and reward card , which is better?

New Best Premium Credit Card for Airmiles 2022, Post MBB's conversion revision as of 1/9

chesterst — Sat, 10 Sep 2022 23:56:01 +0800

Hi all, I'm sure most of the airmails junkies out there are aware of Maybank's drastic move to devalue their TP to airmiles conversion.

So bad that I think it doesn't make sense anymore to use the Maybankard 2 Premier cards.

Any suggestions which are the best for airmiles accumulation now?

Triumpfx forex trading,

Jessie311 — Sun, 28 Aug 2022 21:52:17 +0800

HSBC Call Centre Sucks,

dr_joe9207 — Wed, 10 Aug 2022 07:59:17 +0800

Received a SMS:

"RM0:HSBC:MYR5.00 was charged to your card ending XXXX at MINDABLESHOP on 09/08/22. Pls call HSBC if you did not authorise this"

Just find out I had unauthorized transaction from my credit card. But I didn't receive any SMS OTP, or download any suspicious app, so I tried to call customer service. After tried to call HSBC call center, waiting for an hour, no one pick up. Trying to use the chat functions to chat with customer service, oso no reply. Did they stopped operating at their call center ?