Which is the best credit card in Malaysia and why?
I am looking for a credit card which gives a lot cash rebate in petrol, restaurant, shopping, etc...
And most important is FREE annual fee

Any recommendation?

This post has been edited by skty: Sep 10 2009, 02:08 PM

uob.. giving lots of cash rebate and able to redeem immediately...

There's a credit card sticky in Finance subforum.

Tesco got their own credit card right??

or it is Giant?

of course Tesco, Tesco what also got ma

thats y tesco got.

tesco got

CIMB Petronas credit card

tesco= uob

giant = citibank

co-brand card

tesco FTW

Tesco got
http://www.rhbbank.com.my/personal/cards/tesco-rhb/minisite/

Giant also got

http://www.citibank.com.my/MYGCB/APPS/port...tm&tabId=Credit Cards

tesco quite successful in getting /k/'s attention!!!

back to topic:

ts, they are one you need to know is, using credit card. some cards dun really well use in oversea. If let say you wanna or have to go oversea later for sightseeing, then perhaps you should pay attention to world well known credit card. In this particular case. I would suggest you citibank or Standard Charter bank.

if you main concern is for local use, then... perhaps some local banks.

discount or offers... me dun know much already.

Ah Beng Credit Card

They provide full coverage liao ...

Pay them back with arm or leg?

tesco not RHB bank meh

Tesco card is the best

Yup, I agree, those CC with Tesco ,Jusco, Giant are the best cause can get many points and redeem stuff and discounts.

Those CC that are only bank types...example Public Bank only, point very low...monthly not even 1 point some more use abt RM300~400.

choose the card base on where u spend most and how u spend most..
like some card are good for traveling with air asia.. some good for movies.. and some good for shopping...

real man dun use credit card..real man with 6" above use cash..only 2" below use credit card

what is UOB btw?

my main expanses are petrol, restaurant, and shopping for daily use/clothes...
things like traveling (air), movies, is not a must...
so which card u recommend?
I am just using it locally...
I think when I wanna use it oversea I will apply for a new one by then...

I prefer Citibank and HSBC credit card because anywhere I go around the world, they recognise it immediatly.


.

I dont want points...
I just want cash rebate only...

but is those card charge annual fee?
and what type of card (co-brand) u using?

Hutang Card

Sorry bro...I don't have a credit card. I know about this with my experiences with friends overseas...


.

credit card are nvr good...limit urself to 1 just incase for emergency...i would recommend citibank

I agree with your advice but most urban ppl nowdays use credit cards because it's trendy. But no on can get rich if they have spending habits...


.

credit card is good for cash rebates & rewards.
just think u get discount everytime u pump petrol
this is not spending habits as u need petrol in anyway

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Added on September 10, 2009, 6:23 pmany more good recommendation?

This post has been edited by skty: Sep 10 2009, 06:23 PM

hsbc amanah card anywhere aso got rebate .
rhb card for ur minyak got 2 % and 5% anywhere , and tesco shopping 2-5%

cimb ,hsbc, citibank,maybank,standard chartered

most have year-long sales and discounts promotions...

United Overseas Bank, a kiasuland bank... 1 of the 3 largest singapore bank in terms of market capitalisation...

another 2 of them is DBS and OCBC...

cimb or tesco rhb la
those got no annual fees sure cimb la

citibank annual fees really can make people sakit kepala

Card = Lame

Posse = 2 Blondes + 1 Redhead + 1 Asian ho + 8 Bodyguards + Lambo FTW

natwest and jpmorgan

I don't use credit card and i use debit card u know y? its my ATM machine which stores my own hard earned cash. Credit card is for beggars with no money. Use debit card, that's style because u owe nobody a single cent.

all american express platinum card

kad 555

OCBC FTW!!!! Wooots! ^^

from my experience, we all mostly might a get loans from the banks. Let it be for housing loans, or car loans... or whatever. We surely need that in the future. Then we pay promptly, for 1 or 2 years. They would offer you a FREE credit card with 100% confirmed FREE annual fee. Yeah, gold card just a piece of cake. -.=


you could try citibank, public bank. Other banks i dun have much experiences liao... XD

Do you know that you are actually giving a very dangerous advice to the public?

why is that so?

do u know that anyone can use your debit card like a credit card and clear whatever u have in the account? huhuhu

anyway, UOB sucks! so many times i've requested for them to close my account and work out a payment plan, they reply OK we'll work on that... but no reply. f***ing pisses me off. i wanna get off my debts but also want to be able to manage my finances. now the interest is as much as my credit limit already. WTF? asked me to clear my credit limit but willing to discount only 300 from the interest. yeah f*** u!

See your liefstyle and where u spend the most. If cannot make mind just pay the Rm50 lah.

firstly I would like to say sorry not paying anymore attention at this thread
can't believe still got ppl replying~ seems good

anyway, I am using CIMB Direct Access Gold Mastercard for more than one year now.
and yeah, its good! It gives me 2% rebate on all petrol purchase no matter you go to Petronas, Shell, or whatever station.
In addition, it gives me 5% rebate if I shopping at Giant/Tesco/Guardian during weekend.

i am totally know nothing on credit cards...
i am interested buying 2nd hand car from authorize seller...
may i buy using credit cards because my friend said the price will be much cheaper when buying using credit cards...

Mak Kau punya card

any new update for credit cards offer? or is there any threat specifically update us about credit cards plans? cuz been looking around for some time and couldn't find one.
planning to apply one

i use debit card, no rebates

many people still don't understand benefits of credit card if used in the correct manner.

Pros
a) Bang for your buck - promotions/Discounts specific to issuing bank and also specific to Mastercard/Visa itself
b) Loyalty programs - earn points or rebates
c) Convenience & Safety - Don't need to carry cash around
d) Money management - you can automatically analyze where your money is going as everything is statemented.
e) Leverage on no interests period - which facility borrows you money without any interest for a month? Technically you can leverage on that cash to earn interest in a saving account first or for other investments
f) Fraud protection - For suspected fraud unauthorized transactions or even goods not received related claims, you can raise a dispute without having to pay first. Furthermore the bank is in the power to recall back the payment from the merchant, so it's much easier to "get" your money back instead of giving the merchant hard cold cash in the first place.

Cons
a) causes those with bad money management to overspend
b) Bad forex rates if swiping overseas (Foreign currency to US$ to Local currency billed to you)

please feel free to contribute to the list...

Credit card can be Debit Card too if u think about it. U overpay your credit card so that the credit card hutang u instead. Then it becomes debit card already lor. Somemore when u use debit card, u get points which can be converted to goods such as umbrella, bag and so on.

i bet ur wallet is so thick until kenot sit down...

correct, but a silly thing to do... you overpay your credit card, you don't earn interest. As for your debit card, money sitting in the account earns interest.

Debit card got interest? Normally how much? I have a Public Bank Debit card but I never see any interest banked into my account.

i am using Public Bank Esso Mobil Visa Gold, so far it suits me with cash rebate at Esso( i am fueling esso), 0.5% rebate at other retail transaction, free for life too. however, i am still looking for another card with similar benefit or better, any recomendation?

giant credit card

boleh dapat diskaun~

Agree! Based on my personal experience, UOB credit card really sucks! Poor System, VERY BAD Customer Service...bla bla. Real Conman esp. on unknown admin fees.

you miss one important point, INSURANCE on the item you bought

Depends on your needs:

i use :

Citibank Air Asia Crredit Card - Discout,and if got promotion they will inform the card holder first ( i take flight above 5-10 times per year, so definitely need this)

Public Bank Master Card - Dining, grocery, petrol ...

HSBC - Shopping ( Many shops in Mid Valley etc.. got discount and extra point given ... )

I use:

HSBC Visa-shopping discounts/rebates/special promotions

Alliance Visa-Local bank easier to get 0% installment plans with longer period. Eg. got 18 months installment instead of 12 months if use HSBC

CIMB Master-shopping discounts/rebates/special promotions

Must be good at handling finances, I pay promptly every month, credit card interest can kill ur finances if not managed properly.

real man use debit card

BIG NO NO for ctbank, why?? Stay away from banks who don't even bother to protect your privacy!!!!!!!!

check this out, my personal BAD experience with ctbank http://www.mmail.com.my/content/58527-furi...sealed-envelope

thanks for the heads up.

bank islam = no compounded interest

I use debit card. paying credit card interest is not cool.

how to apply?

borrow Rm1k, pay Rm1k no matter how long?

i agree with some people that real men only use cash. credit card is for po kai yau who thinks owing the bank money is cool.....XP

It depends, if carrying thousands of ringgit in your wallet/pouch when you need to buy items/gifts etc is cool and "real man" then that's your choice. It is a matter of convenience for most people to use credit card, the key is to manage your finance well and pay in full or at least more than the minimum by folds monthly. Besides credit card is the most convenient way to do transaction online unless you believe queuing to buy TT/bank draft etc is "real man" too.. That same applies when you are on vacation at resort etc (overseas or local), are you going to pay cash too? i wonder what privilege do you enjoy to be allowed to carry so much cash overseas (someone just pops up in my mind, our ex-Selangor-MB who tak faham english did that in Australia with 2Mil).

This post has been edited by stormrage: Feb 3 2011, 07:44 AM

says a person who cant afford even classic CC

United On Bijan.

I have used many credit cards over the years.

Here is my experiences.

HSBC Gold credit cards: Very good in term of Travelling Overseas. Cheaper Forex exchange. Many good promotions on discounts. Especially Armani Exchange outlet.. 15% discount. hehe

Citibank Credit Cards:

Gold: Very good. with 30 minutes you charge oversea, they will call you.

Platinum: Very good. with 30 minutes you charge oversea, they will call you. Access to Premium Lounge in KLIA, LCCT for free. Extra benefits. Free stay in YTL hotels. especially for PremierMiles (Platinum Class 1 Credit Credit Card)

Standard Chartered Credit Cards: Very limited and not good points and promotion.

CIMB Credit Cards:

** Free for life platinum:

Visa : Transfer Points very good. Many good promotions on discounts.

Petronas Mastercard: 5% on Petronas. 0.5% for others retails.


RHB Platinum:

Very bad. Difficult to terminate. Lots of hassle.


** If you manage your financial properly, CC is the way to go.. Use 20 days free loan. Pay full every month.

Credit cards are good to have if u know how to control them. It's only the RM50 fee that farks things up.

pinjam 1K bayar 1.2K(but besok bayar or tahun depan bayar still 1.2K)


slowpoke.i know

i vote for CItibank Cash Back Platinum
5% on all petrol
2% on telecommunication
and etc

best credit card is other's credit card. other ppl pay but u use one.

Think OCBC titanium and Maybank 2 Amex are superior, although the max cashback is 50 per month.

OCBC has 5% on:
1. petrol
2. groceries
3. dining
4. bills

Maybank 2 Amex has 5% on everything on weekends and 5X points and comes up to around 7.5% total discounts.

OCBC doesn't require you to reach blocks of RM50 before they credit you with the cash back, unlike Citibank. Not sure about Maybank.

Maybank2 without a shadow of doubt.

Buy 1 Setarbuk free 1 setarbuk. Orgasm.

Now new HSBC visa signature card advertised in mid valley, with 5x reward points etc.

Always see UOB and hong leong promotions in F&B places.

those who says use debit instead of credit card. here my Qs.

can debit card used for online payment? ive been using 2 debit cards now, and i dont think it is accepted for online payment - which lead me to looking for a credit card now.

i wanted to apply for cimb direct access visa gold, under the graduate thing, but browse through the website, suddenly see the card link mysteriously disappear. can anybody confirm this? is it because they dont offer it anymore?

Do your debit cards have the "MasterCard" logo and hologram on it?

I use 2 cards.

i. Visa Maybank Debit Card
ii. Mastercard EON Debit Card

By hologram, do you mean the silver sticker-look-alike, with 2 earths with mastercard words on it?

I tried to buy things online but Visa Maybank Debit cant be used

i think not they don allow online purchase with debit card. because the merchant simply cant know whether does ur account have enough to pay for what you purchase.

ohh anyway, i think it actually can now.

just purchased Apple products online using my debit card.

Think wisely.. Maybe ur not that matured yet by giving such statement. If not matured better stay away from the credit card. For me, its not to show up but

1) for emergency (late night accident, car broken down) where u will go to cash out your money at middle of night? I experienced it once

2) Going to oversea (will you bring thousand n thousand of RM in your wallet? Credit card plays major role here

So far, above reasons forced me to own a credit card at least... If not its very hard!

Thanks

I had quite a number of cards before the RM50 tax. Since then I had cut it down to three. CIMB Petronas for petrol only. For travelling, CIMB Enrich World Card. Had claimed travel insurance with them and it was quite easy. Especially since with budget travelling, planes do get delays. For all shopping, AMEX plat. The above provides a lot of dining benefits and the best for forex I believe from past records is CIMB cards. For South East Asia travelling, if you have CIMB preferred card, it would mean easier to get help in Thailand and Indonesia especially for banking matters. Definitely CIMB for me.

I have 2 cards. The main one I am using is Citibank Air Asia. They have promotions on flights every week, and I have priority booking. Which is good for my company staff who wants to book tickets earlier.

Furthermore there is TGV promotion - weekdays each ticket is only RM 10 (ended already ) and weekend it's buy 1 free 1.

The other card... HLBB. It's a spare card (just sign up so I can get free items), but now I use the card for online purchases (Paypal).

CIMB doesnt have direct access anymore, it has been replaced with the new PETRONAS Smart Drivers card. Anyways if anyone here is interested in getting a CIMB credit card, u guys can pm me. currently working at the CIMB credit card dept.

The best card and lowest profile in market.

NO annual fee for life, no frill card
UNLIMITED CASH BACK up to 0.8% ( The more you spend the more is the cash rebate monthly)
9.9% APR rate for purchases and Cash advances if you pay mininum on time.
O% balance tranfer up 12 months (Unlimited times)

This is the choice of a smart consumer

Sorry I will not advertise for my choice , hope they countinue keep the REAL deal in town low profile.

FIND IT and you be enjoying the unlimited cash rebates ( imagine getting a 0.8% X RM 500,000 monthly from your bank)

Im using Visa Signature CIMB! This card really suits me well since i like to watch movies!

UOB One card .. not bad cash back.

Wasap, come apply hsbc card from meh.

u bump a tered from zaman batu ais

ocbc titanium

I am using credit cards from uob one card, maybank 2 cards, and standard chartered.

the cash back % is quite low if you ask me. and also can only redeem at certain outlets. but good la for movie lovers, can cash back when buy movie tickets at GSC.

but uob one card got get some discounts when dining and purchase at some outlets.

maybank 2 cards high reward points and some decent stuffs to redeem easily.

The person who said "Credit card is for people who like owing money to the bank or to show off" is really someone from the stone age or bad financial management. Credit card is the best thing someone can have due to the leverage it provides. 1 month credit payment allows you to spend the money else where first before it is needed, for business owners they will know the benefits of having money rolling. Also credit cards provides from 12-36 months installments on some purchases with 0% interest too. As long as you can manage your finance well, credit card is really a good thing to have.

If you are someone who is ignorant or low IQ, please stay away from credit cards, you will be blacklisted and declared bankrupt in no time. These are the people who give bad comments about credit card because they do not know how to utilize the card and might have been burned before

need help guys.
im still studying.
but i slowly saving my money, every single sen.
i tot wanna apply a credit card, but my friend say u must work and have salary then can apply, is it true??

if it true, let say i wanna apply debit card, can uh ?
debit card can use on paypal right

pls help guys

i prefer free card !!! what i mean is those card after swipe no need to paid !!!

Yes. No work, no credit card.

Debit cards should be able to work with paypal, as long as it has the MasterCard thing.

Just open a bank account that provides debit cards. Standard Chartered, RHB etc. Ask them for more info.

isn't debit card safer?

i mean, u only can spend what you have in your account..

ahh i see, cimb got ah? i got acc in cimb

yea afaik we can spend only the amount we have.
correct me if im wrong