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> Which is the best credit card in Malaysia and why?

skty
post Sep 10 2009, 02:08 PM


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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? notworthy.gif

This post has been edited by skty: Sep 10 2009, 02:08 PM
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jusco1
post Sep 10 2009, 02:11 PM


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uob.. giving lots of cash rebate and able to redeem immediately...
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ashburn98
post Sep 10 2009, 02:12 PM


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There's a credit card sticky in Finance subforum.
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victor87
post Sep 10 2009, 02:16 PM


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Tesco got their own credit card right??

or it is Giant?
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Rowan23
post Sep 10 2009, 02:18 PM


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QUOTE(victor87 @ Sep 10 2009, 02:16 PM)
Tesco got their own credit card right??

or it is Giant?
*
of course Tesco, Tesco what also got ma
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ckh93
post Sep 10 2009, 02:20 PM


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thats y tesco got.
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ALIAS.JG
post Sep 10 2009, 02:21 PM


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tesco got
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bingozero
post Sep 10 2009, 02:23 PM


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CIMB Petronas credit card
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inuyasha88
post Sep 10 2009, 02:23 PM


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tesco= uob

giant = citibank

co-brand card
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mynet
post Sep 10 2009, 02:24 PM


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tesco FTW
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bingozero
post Sep 10 2009, 02:26 PM


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QUOTE(victor87 @ Sep 10 2009, 02:16 PM)
Tesco got their own credit card right??

or it is Giant?
*
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
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edifgrto
post Sep 10 2009, 02:26 PM


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tesco quite successful in getting /k/'s attention!!! biggrin.gif

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.
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Ginola
post Sep 10 2009, 02:27 PM


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Ah Beng Credit Card

They provide full coverage liao ...

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SweetPuff
post Sep 10 2009, 02:43 PM


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QUOTE(Ginola @ Sep 10 2009, 02:27 PM)
Ah Beng Credit Card

They provide full coverage liao ...
*
Pay them back with arm or leg?
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ReAcTiVo
post Sep 10 2009, 02:49 PM


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tesco not RHB bank meh hmm.gif
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TehWateva
post Sep 10 2009, 02:50 PM


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Tesco card is the best
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azbro
post Sep 10 2009, 03:00 PM


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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.

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jusco1
post Sep 10 2009, 03:11 PM


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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...
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soyaben86
post Sep 10 2009, 03:11 PM


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real man dun use credit card..real man with 6" above use cash..only 2" below use credit card
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skty
post Sep 10 2009, 05:08 PM


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QUOTE(jusco1 @ Sep 10 2009, 02:11 PM)
uob.. giving lots of cash rebate and able to redeem immediately...
*
what is UOB btw?
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skty
post Sep 10 2009, 05:11 PM


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QUOTE(jusco1 @ Sep 10 2009, 03:11 PM)
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...
*
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? brows.gif
I am just using it locally...
I think when I wanna use it oversea I will apply for a new one by then... laugh.gif
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Empathy
post Sep 10 2009, 05:11 PM


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


.
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skty
post Sep 10 2009, 05:13 PM


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QUOTE(azbro @ Sep 10 2009, 03:00 PM)
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.
*
I dont want points...
I just want cash rebate only... sad.gif
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skty
post Sep 10 2009, 05:14 PM


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QUOTE(Empathy @ Sep 10 2009, 05:11 PM)
I prefer Citibank and HSBC credit card because anywhere I go around the world, they recognise it immediatly.
.
*
but is those card charge annual fee?
and what type of card (co-brand) u using?
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eastmail
post Sep 10 2009, 05:14 PM


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Hutang Card
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Empathy
post Sep 10 2009, 05:19 PM


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QUOTE(skty @ Sep 10 2009, 05:14 PM)
but is those card charge annual fee?
and what type of card (co-brand) u using?
*
Sorry bro...I don't have a credit card. I know about this with my experiences with friends overseas...


.
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Director
post Sep 10 2009, 05:19 PM


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credit card are nvr good...limit urself to 1 just incase for emergency...i would recommend citibank
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Empathy
post Sep 10 2009, 05:26 PM


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QUOTE(Director @ Sep 10 2009, 05:19 PM)
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...


.

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Spawnz
post Sep 10 2009, 05:28 PM


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Free for life - Best is Direct Access
Overseas recognition - Go for those international banks.
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skty
post Sep 10 2009, 05:51 PM


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QUOTE(Empathy @ Sep 10 2009, 05:26 PM)
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 smile.gif


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

This post has been edited by skty: Sep 10 2009, 06:23 PM
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JamesChaow
post Sep 25 2009, 03:36 AM


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hsbc amanah card anywhere aso got rebate .
rhb card for ur minyak got 2 % and 5% anywhere , and tesco shopping 2-5%
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Noyoudontcare
post Sep 25 2009, 03:48 AM


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cimb ,hsbc, citibank,maybank,standard chartered

most have year-long sales and discounts promotions...
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! Love Money
post Sep 26 2009, 03:04 AM


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QUOTE(skty @ Sep 10 2009, 05:08 PM)
what is UOB btw?
*
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...
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thken
post Sep 26 2009, 03:37 AM


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

citibank annual fees really can make people sakit kepala
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Polaris
post Sep 26 2009, 05:04 AM


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post Sep 26 2009, 05:06 AM


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deejay_krish
post Sep 26 2009, 10:49 AM


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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.
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post Sep 26 2009, 10:50 AM


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post Sep 26 2009, 11:23 AM


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kad 555
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babypanda_ea
post Sep 26 2009, 11:54 AM


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OCBC FTW!!!! Wooots! ^^
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edifgrto
post Sep 26 2009, 12:04 PM


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QUOTE(skty @ Sep 10 2009, 02:08 PM)
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?  notworthy.gif
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. -.=

QUOTE
Which is the best credit card in Malaysia and why?

you could try citibank, public bank. Other banks i dun have much experiences liao... XD
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Cloaked_Wixard
post Nov 11 2009, 11:47 AM


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QUOTE(deejay_krish @ Sep 26 2009, 10:49 AM)
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.
*
Do you know that you are actually giving a very dangerous advice to the public?
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iq_myst
post Apr 7 2010, 10:06 PM


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QUOTE(Cloaked_Wixard @ Nov 11 2009, 11:47 AM)
Do you know that you are actually giving a very dangerous advice to the public?
*
why is that so?
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sakaito
post May 1 2010, 04:50 PM


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QUOTE(Cloaked_Wixard @ Nov 11 2009, 11:47 AM)
Do you know that you are actually giving a very dangerous advice to the public?
*
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!
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Hidan
post May 1 2010, 06:18 PM


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See your liefstyle and where u spend the most. If cannot make mind just pay the Rm50 lah.
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skty
post Oct 10 2010, 11:48 PM


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

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. smile.gif
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sliperjepun
post Nov 22 2010, 09:44 PM


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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...

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-TrUnKs-
post Nov 22 2010, 09:56 PM


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Mak Kau punya card
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churekie
post Dec 1 2010, 07:54 AM


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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.
smile.gif planning to apply one
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hotjake
post Dec 1 2010, 11:31 AM


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i use debit card, no rebates
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wlcling
post Dec 1 2010, 11:55 AM


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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... sweat.gif
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Hidan
post Dec 1 2010, 12:07 PM


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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.
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ticke
post Dec 1 2010, 12:10 PM


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QUOTE(soyaben86 @ Sep 10 2009, 03:11 PM)
real man dun use credit card..real man with 6" above use cash..only 2" below use credit card
*
i bet ur wallet is so thick until kenot sit down... brows.gif
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wlcling
post Dec 1 2010, 12:15 PM


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QUOTE(Hidan @ Dec 1 2010, 12:07 PM)
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.
*
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. notworthy.gif


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Hidan
post Dec 1 2010, 01:52 PM


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QUOTE(wlcling @ Dec 1 2010, 12:15 PM)
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.  notworthy.gif
*
Debit card got interest? Normally how much? I have a Public Bank Debit card but I never see any interest banked into my account. sad.gif
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chng5255
post Dec 8 2010, 09:30 PM


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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?
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ayanami_tard
post Dec 8 2010, 09:33 PM


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giant credit card

boleh dapat diskaun~
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kpc007
post Dec 29 2010, 11:05 PM


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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.
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Mackiddo
post Dec 29 2010, 11:16 PM


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QUOTE(wlcling @ Dec 1 2010, 11:55 AM)
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...  sweat.gif
*
you miss one important point, INSURANCE on the item you bought smile.gif
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BotakChin
post Dec 29 2010, 11:38 PM


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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 ... )
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shirllin
post Dec 30 2010, 10:00 PM


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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.


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Wangan
post Dec 30 2010, 11:24 PM


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real man use debit card
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josepheng88
post Jan 10 2011, 12:18 PM


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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 mad.gif http://www.mmail.com.my/content/58527-furi...sealed-envelope

doh.gif doh.gif
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corallinkz
post Jan 10 2011, 01:02 PM


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QUOTE(josepheng88 @ Jan 10 2011, 12:18 PM)
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  mad.gif  http://www.mmail.com.my/content/58527-furi...sealed-envelope

doh.gif  doh.gif
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thanks for the heads up.


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mousqy
post Jan 10 2011, 01:08 PM


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bank islam = no compounded interest
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hotjake
post Jan 10 2011, 01:25 PM


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I use debit card. paying credit card interest is not cool.
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hotjake
post Jan 10 2011, 01:25 PM


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QUOTE(mousqy @ Jan 10 2011, 01:08 PM)
bank islam = no compounded interest
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how to apply?
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Fall guy
post Jan 10 2011, 01:26 PM


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QUOTE(mousqy @ Jan 10 2011, 12:08 AM)
bank islam = no compounded interest
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borrow Rm1k, pay Rm1k no matter how long?
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swissprecision
post Jan 10 2011, 02:52 PM


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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
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stormrage
post Feb 3 2011, 07:25 AM


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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
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izzat003
post Feb 3 2011, 07:31 AM


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QUOTE(soyaben86 @ Sep 10 2009, 03:11 PM)
real man dun use credit card..real man with 6" above use cash..only 2" below use credit card
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says a person who cant afford even classic CC
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xDarkKnightx
post Feb 3 2011, 08:39 AM


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QUOTE(skty @ Sep 10 2009, 05:08 PM)
what is UOB btw?
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United On Bijan.
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internetblogger
post Mar 1 2011, 02:20 PM


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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.


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Unstability
post Mar 1 2011, 02:23 PM


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Credit cards are good to have if u know how to control them. It's only the RM50 fee that farks things up.
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ayanami_tard
post Mar 1 2011, 02:35 PM


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QUOTE(Fall guy @ Jan 10 2011, 02:26 PM)
borrow Rm1k, pay Rm1k no matter how long?
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pinjam 1K bayar 1.2K(but besok bayar or tahun depan bayar still 1.2K)


slowpoke.i know
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seborg
post Apr 17 2011, 10:55 PM


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i vote for CItibank Cash Back Platinum
5% on all petrol
2% on telecommunication
and etc
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ilnerodiablo
post Apr 17 2011, 10:57 PM


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best credit card is other's credit card. other ppl pay but u use one.
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thesoothsayer
post Apr 17 2011, 11:08 PM


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QUOTE(seborg @ Apr 17 2011, 10:55 PM)
i vote for CItibank Cash Back Platinum
5% on all petrol
2% on telecommunication
and etc
*
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.


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Fall guy
post Apr 17 2011, 11:11 PM


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Maybank2 without a shadow of doubt.

Buy 1 Setarbuk free 1 setarbuk. Orgasm.
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laowai
post Apr 18 2011, 10:00 AM


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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.
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bubbles182
post Apr 23 2011, 04:36 PM


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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.
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nc_ean
post Apr 25 2011, 01:55 PM


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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? sad.gif
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khelben
post Apr 25 2011, 01:57 PM


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QUOTE(bubbles182 @ Apr 23 2011, 04:36 PM)
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.
*
Do your debit cards have the "MasterCard" logo and hologram on it?
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bubbles182
post May 3 2011, 12:45 PM


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QUOTE(khelben @ Apr 25 2011, 01:57 PM)
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? unsure.gif

I tried to buy things online but Visa Maybank Debit cant be used sad.gif
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iori_argami
post May 25 2011, 02:50 PM


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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.
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bubbles182
post May 26 2011, 12:55 PM


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ohh anyway, i think it actually can now.

just purchased Apple products online using my debit card. biggrin.gif
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netkios
post Jul 20 2011, 10:08 PM


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QUOTE(swissprecision @ Jan 10 2011, 02:52 PM)
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
*
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
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Thinker*
post Jul 20 2011, 10:17 PM


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Maybank2 cards.
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michaellee
post Jul 20 2011, 11:39 PM


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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.
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ZeroSOFInfinity
post Jul 20 2011, 11:49 PM


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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 sad.gif) and weekend it's buy 1 free 1. biggrin.gif

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).
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Orias
post Jul 20 2011, 11:55 PM


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QUOTE(nc_ean @ Apr 25 2011, 01:55 PM)
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?  sad.gif
*
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. smile.gif
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netllocke
post Aug 2 2011, 10:13 AM


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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)



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izdyharz
post Aug 19 2011, 01:28 AM


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Im using Visa Signature CIMB! This card really suits me well since i like to watch movies! biggrin.gif
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teehk_tee
post Aug 19 2011, 01:31 AM


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UOB One card .. not bad cash back.
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princezs
post Aug 19 2011, 01:50 AM


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Wasap, come apply hsbc card from meh.
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laucn
post Aug 19 2011, 02:07 AM


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QUOTE(izdyharz @ Aug 19 2011, 01:28 AM)
Im using Visa Signature CIMB! This card really suits me well since i like to watch movies! biggrin.gif
*
shocking.gif u bump a tered from zaman batu ais shocking.gif
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ck23
post Sep 10 2011, 07:42 AM


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ocbc titanium
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duckhole
post Sep 10 2011, 01:31 PM


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QUOTE(teehk_tee @ Aug 19 2011, 01:31 AM)
UOB One card .. not bad cash back.
*
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 smile.gif
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shdin271
post Sep 10 2011, 01:34 PM


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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
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BBboom
post Sep 10 2011, 01:42 PM


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i prefer free card !!! what i mean is those card after swipe no need to paid !!!
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khelben
post Sep 10 2011, 01:49 PM


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QUOTE(shdin271 @ Sep 10 2011, 01:34 PM)
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
*
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.
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FidelisGVR
post Sep 10 2011, 01:59 PM


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isn't debit card safer?

i mean, u only can spend what you have in your account..
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shdin271
post Sep 10 2011, 02:02 PM


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QUOTE(khelben @ Sep 10 2011, 01:49 PM)
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.
*
ahh i see, cimb got ah? i got acc in cimb

QUOTE(FidelisGVR @ Sep 10 2011, 01:59 PM)
isn't debit card safer?

i mean, u only can spend what you have in your account..
*
yea afaik we can spend only the amount we have.
correct me if im wrong
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Pink Spider
post Sep 10 2011, 02:02 PM


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QUOTE(teehk_tee @ Aug 19 2011, 01:31 AM)
UOB One card .. not bad cash back.
*
5% on ALL petrol purchases drool.gif


Added on September 10, 2011, 2:03 pm
QUOTE(FidelisGVR @ Sep 10 2011, 01:59 PM)
isn't debit card safer?

i mean, u only can spend what you have in your account..
*
but once its gone (theft, fraud, etc), its gone

CC in case is fraud u can report and dun pay single sen

This post has been edited by Pink Spider: Sep 10 2011, 02:03 PM
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ar188
post Sep 10 2011, 02:05 PM


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QUOTE(Pink Spider @ Sep 10 2011, 02:02 PM)
5% on ALL petrol purchases drool.gif


Added on September 10, 2011, 2:03 pm

but once its gone (theft, fraud, etc), its gone

CC in case is fraud u can report and dun pay single sen
*
or u can go genting swipe cash advance.. laugh.gif
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shdin271
post Sep 10 2011, 02:05 PM


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QUOTE(Pink Spider @ Sep 10 2011, 02:02 PM)
5% on ALL petrol purchases drool.gif


Added on September 10, 2011, 2:03 pm

but once its gone (theft, fraud, etc), its gone

CC in case is fraud u can report and dun pay single sen
*
dafaq ???
are u serious ??
in case we lost our wallet, then we cant cancel the card or what so ever ??
damn shit la like this cry.gif
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ar188
post Sep 10 2011, 02:06 PM


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QUOTE(shdin271 @ Sep 10 2011, 02:05 PM)
dafaq ???
are u serious ??
in case we lost our wallet, then we cant cancel the card or what so ever ??
damn shit la like this  cry.gif
*
am sure you can set a daily withdrawal limit if debit card right? or else main money put in another account lor..
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Pink Spider
post Sep 10 2011, 02:10 PM


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QUOTE(shdin271 @ Sep 10 2011, 02:05 PM)
dafaq ???
are u serious ??
in case we lost our wallet, then we cant cancel the card or what so ever ??
damn shit la like this  cry.gif
*
No, u can cancel

What I meant was, e.g. I steal ur debit kad then spend away all ur bank balance, hard for u to recover back rolleyes.gif

If credit kad, u can report and maybe dun have to pay a single sen nod.gif


Added on September 10, 2011, 2:11 pm
QUOTE(ar188 @ Sep 10 2011, 02:05 PM)
or u can go genting swipe cash advance..  laugh.gif
*
no, they will check IC and match against ur name on the credit kad

This post has been edited by Pink Spider: Sep 10 2011, 02:11 PM
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ar188
post Sep 10 2011, 02:12 PM


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QUOTE(Pink Spider @ Sep 10 2011, 02:10 PM)
No, u can cancel

What I meant was, e.g. I steal ur debit kad then spend away all ur bank balance, hard for u to recover back rolleyes.gif

If credit kad, u can report and maybe dun have to pay a single sen nod.gif


Added on September 10, 2011, 2:11 pm

no, they will check IC and match against ur name on the credit kad
*
i was refering to your CC benefits ler.. not the fraud comment.
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Pink Spider
post Sep 10 2011, 02:13 PM


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QUOTE(ar188 @ Sep 10 2011, 02:12 PM)
i was refering to your CC benefits ler.. not the fraud comment.
*
Oh joo Roulette sifu shocking.gif

Sorry I forgot joo notworthy.gif
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duckhole
post Sep 10 2011, 02:40 PM


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The advantage of having debit card is you can leave it with no credit in it. When need to purchase something, only use your online banking to transfer the exact amount of money to it, then only use the debit card to buy. That is the safest online purchase you can do with a debit card.
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ar188
post Sep 10 2011, 02:41 PM


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QUOTE(Pink Spider @ Sep 10 2011, 02:13 PM)
Oh joo Roulette sifu shocking.gif

Sorry I forgot joo notworthy.gif
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laugh.gif today u got go up boh?

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edifier78
post Sep 10 2011, 03:13 PM


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Maybank Petronas Platinum Visa

Free petrol for me..
Not to mention high credit limit!
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yeezai
post Nov 10 2011, 10:51 PM


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QUOTE(FidelisGVR @ Sep 10 2011, 01:59 PM)
isn't debit card safer?

i mean, u only can spend what you have in your account..
*
once u kena mug all money inside gone....btw i find dat most of the card design sux ...why they dun put effort in designing the card...
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Thinker*
post Nov 10 2011, 10:59 PM


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QUOTE(edifier78 @ Sep 10 2011, 03:13 PM)
Maybank Petronas Platinum Visa

Free petrol for me..
Not to mention high credit limit!
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blink.gif ohmy.gif ohmy.gif really? eventhough i anti-petronas, if free i dont mind.
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Thinker*
post Nov 10 2011, 11:03 PM


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QUOTE(princezs @ Aug 19 2011, 01:50 AM)
Wasap, come apply hsbc card from meh.
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wow, u can still survive with HSBC till now.

HSBC CC is one of the CC with the least benefits and one of the hardest to get approved.
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crazyivan
post Nov 10 2011, 11:04 PM


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how bout visa infinite credit cards aka black card?
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netllocke
post Dec 29 2011, 12:43 AM


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QUOTE(skty @ Sep 10 2009, 02:08 PM)
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?  notworthy.gif
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affinbank unlimited cashback a smarter choice always but very hard to get application approved
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poseidon33
post Dec 29 2011, 05:01 AM


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credit card = license ah long
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b3rnard7
post Dec 29 2011, 09:14 AM


kanpeki na CHEONGSTER yo!
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QUOTE(poseidon33 @ Dec 29 2011, 05:01 AM)
credit card = license ah long
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ah long in ur wallet biggrin.gif
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hotjake
post Apr 27 2012, 11:46 AM


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maybank man united card better, MU win one match get 5 treat points yo
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leechers
post Apr 27 2012, 11:48 AM


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QUOTE(Ginola @ Sep 10 2009, 02:27 PM)
Ah Beng Credit Card

They provide full coverage liao ...
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But it will cost you arms and legs
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normanTE
post May 7 2012, 03:30 PM


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DEFINATELY AMERICAN EXPRESS PLATINIUM CHARGE CARD, been using for years now.
allow me enter premier lounge whenever i travel, hongkong, usa, tokyo, korea, singapore everywhere. worth every dollar..
although their annual fees is nasty but worth it. can have 5 supplement and all my family member can enter premier lounge and buying business class ticket cathay next one free..buy one free one.
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MorpheusZZ
post Dec 13 2012, 11:15 AM


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CC is for security reason la. Nowadays, not so safe out there unlike some politician declare crime rate have reduced (a whole load of @#$%^&). I rather use CC than carry $$$.

I am rooting for UOB ONE Card. I am enjoying 5% on petrol, unlike some bank is restricted to certain petrol company. If you pump at BHP you get another 2%, that gives me a total of 7% permanent savings.

Other savings like 5% cinema, 2% telco, 2% pharmacy, 2% grocery and all others 0.3%......and furthermore not limited to only RM50 cash back per month.

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andrewlee247
post Mar 21 2013, 10:26 AM


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I prefer citibank rewards card.
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mrpoliebaba
post Nov 20 2013, 11:20 AM


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QUOTE(Director @ Sep 10 2009, 05:19 PM)
credit card are nvr good...limit urself to 1 just incase for emergency...i would recommend citibank
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i also have citi but what i don't like is they combine the credit limit if you have 2 cards with them lo...
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mrpoliebaba
post Nov 20 2013, 11:23 AM


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QUOTE(skty @ Sep 10 2009, 02:08 PM)
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?  notworthy.gif
*
all cimb card are free for life..

or you can try the OCBC Ti la...heard it's going to revamp soon which mean free annual fees lo..also unlimited rebates lo...
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stormsea7
post Nov 20 2013, 11:26 AM


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QUOTE(edifgrto @ Sep 10 2009, 02:26 PM)
tesco quite successful in getting /k/'s attention!!! biggrin.gif

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.
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I thought as long as it got Visa or MasterCard, can edi?
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mrpoliebaba
post Nov 20 2013, 11:29 AM


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QUOTE(leechers @ Apr 27 2012, 11:48 AM)
But it will cost you arms and legs
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full coverage for your arms and legs and family when they come and ask for payment...A BIG NO NO!!!!
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mrpoliebaba
post Nov 20 2013, 11:30 AM


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QUOTE(bubbles182 @ May 26 2011, 12:55 PM)
ohh anyway, i think it actually can now.

just purchased Apple products online using my debit card. biggrin.gif
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always can la..coz now they all convert the ATM card into either visa/master debit card lo..as long as you have funds in the acc..can use one
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andyyaosmurf
post Nov 20 2013, 12:21 PM


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QUOTE(skty @ Sep 10 2009, 05:11 PM)
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?  brows.gif
I am just using it locally...
I think when I wanna use it oversea I will apply for a new one by then...  laugh.gif
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United Oversea Bank la..!! anyway beside UOB... OCBC also is another recommended credit card..
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mrpoliebaba
post Nov 20 2013, 02:47 PM


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QUOTE(normanTE @ May 7 2012, 03:30 PM)
DEFINATELY AMERICAN EXPRESS PLATINIUM CHARGE CARD, been using for years now.
allow me enter premier lounge whenever i travel, hongkong, usa, tokyo, korea, singapore everywhere. worth every dollar..
although their annual fees is nasty but worth it. can have 5 supplement and all my family member can enter premier lounge and buying business class ticket cathay next one free..buy one free one.
*
err AMEX not widely acceptable in M'sia right? even pump petrol also cannot
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andyyaosmurf
post Nov 26 2013, 09:44 AM


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I think i still perfer cash back.. it still the best
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andyyaosmurf
post Dec 1 2013, 03:28 PM


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QUOTE(mrpoliebaba @ Nov 20 2013, 02:47 PM)
err AMEX not widely acceptable in M'sia right? even pump petrol also cannot
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Agreed.. somehow I do recommend to use OCBC Ti. because when AMEX is not apply.. u still can earn cash back anytime..
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