Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

 Credit Card v14, Please read the 1st post before posting

views
     
cyril85
post Jan 24 2011, 10:36 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
hi, i would like to ask whether worth to apply for shell city bank card.
mostly my expense is on petrol(shell) only. but i check their calculation actually didn't save up much.
by using shell city(classsic), i put rm300 per month, anual only save roughly rm50..
any recommend card for me to apply ?
cyril85
post Jan 24 2011, 11:01 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
QUOTE(chemistry @ Jan 24 2011, 10:44 PM)
OCBC Titanium : 5% on fuel/dining/groceries/utilities, subject to maximum RM50 monthly.
Maybankard 2 Amex (Gold or Platinum) : 5X points everyday, 5% cashback on weekends (also limit to RM50 monthly)

I think these two are the most popular cards at the moment.
*
i fresh and my salary only around 2k++.. how to apply titatum sad.gif
any good card to apply within my range?
cyril85
post Jan 27 2011, 01:57 AM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
still considering, duno what card should i apply.
anual income 25k ++

this is going my 1st card,
main petrol(shell only)
gf shopping(fashion cloth)
better food in mall (roughly once per week)

any sifu can recomend?
going apply in this few week

This post has been edited by cyril85: Jan 27 2011, 01:58 AM
cyril85
post Jan 31 2011, 03:12 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
as previously get advise that apply RHB travel card for petrol rebate.

is is worth to apply? due to anual fees need to pay, mean it actually rebate to cover up the 2% only

any other good choices of card for me to apply which more on
petrol(shell) rebate/point, travel(going bali mid if year) rebate/point.

my anual income is 25k +- only
cyril85
post Jan 31 2011, 03:34 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
what is the min requirement? is it too far? cant nego with bank?

haih, then i going to apply RHB card, but really feel not worth to pay the RM70 anual fees.
other low requirement card really bo liao meh sad.gif
cyril85
post Jan 31 2011, 05:11 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
QUOTE(erry- @ Jan 31 2011, 04:21 PM)


why not going to ambank carz?
also 2% for all petrol station.
but its free for life (no conditions attached). so u save rm70/year. min salary is rm24k/year (u qualified).
and ambg give rm50 cash to new cust (must spend rm350 within 2 months) - so can take this to cover gst.


*
ok, thank you, will consider it, that mean actually need to have more card?
as it stated receive/redeem point relate to car, how bout servicing in toyata center?
my car usage more will be in petrol/Touch n GO/Toyota car services.

and i plan to go 2 time travel a year(mid of year bali), that mean i need to get another card when time is near?
usually my expenses per month for food/beverage/grocery/apparel will be around 2k.
as all my criteria, that mean i need to have many card ? -.-"
cyril85
post Jan 31 2011, 06:00 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
understand from first page,

Best Credit Cards and its categories
2) Gold Card = Alliance Younique, AMEX Gold Credit Card

what is AMEX Gold Credit Card, does Maybank American Express Gold same? or only refer to american express without other bank associated.

and will it be more benefit if i apply Maybank American Express Gold rather than ambank carz
cyril85
post Jan 31 2011, 07:24 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
QUOTE(Gen-X @ Jan 31 2011, 07:16 PM)
We need to update the first page. The info on the Best Gold Card was posted before the launch of Maybankard 2 Cards.

The Maybankard 2 American Express Gold Credit Card which comes with the Maybank logo is now better than the older American Express Gold Credit Card without the Maybank logo. The MBB 2 Amex gives 5X Treat Points for every transaction and on weekends additional 5% cash back as compared to American Express Gold Credit Card where you get 5X Membership Rewards Points (different from Treats Points) for Groceries, Bookshops, telco bills and petrol and other transactions 2X.

click below to read about the Maybankard 2 Cards:
http://creditcardsmalaysia.blogspot.com/20...an-express.html

click below to read about the Aerican Express Gold Credit Card:
http://creditcardsmalaysia.blogspot.com/20...redit-card.html

As erry mentioned, minimum income RM30K/year for AMEX Gold.

If depends on your life style and where you spend your money. Get one card first and later after you have credit history records, easy to apply for other cards.
*
i think the bank can negotiate it right?
when the time i study, they already keep calling me ask me to apply credit card( i think because i always use maybank debit card to buy thing)
so that is the best for my range i can get right? better than(ambank car, rhb travel, ocbc titanium)
if yes then tomorrow i will go to apply Maybankard 2 Card gold tongue.gif
cyril85
post Feb 1 2011, 10:01 AM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
wanna ask again, as i going apply MMB 2 card today,
it is better to go apply tru,
walk in branch, roadshow, online?
which one will be giving moe freebie.
if roadshow, anyone know where it held in pg?

btw why Best Credit Cards and its categories haven change for gold?
comfirm is MMB 2 Card Gold the best right now ?

This post has been edited by cyril85: Feb 1 2011, 10:03 AM
cyril85
post Feb 1 2011, 06:29 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
QUOTE(winner @ Feb 1 2011, 06:11 PM)
Cash back rate of 1% is not attractive nowadays. You may refer to page 1 of this thread for card recommendation and its income requirement.

My recommendation for you is that you should get Maybankard 2 Amex Gold and use it as your primary card, if you earn RM30,000 per annum. You can then use your HLB Essential as a backup if Amex is not accepted by the merchant.
*
what the use of HLB Essential? only 1% cash back rite? alliance younique is better rite with 2% cash back
i also going to apply new card (first time user), but today Kl close sad.gif ask me apply tomorrow
is it the best 2 card i can apply now is MBB 2 Amex & OCBC Tita? annual less than 30k
trying to apply this 2 now.. duno can get approve or not.
cyril85
post Feb 1 2011, 06:43 PM

Getting Started
**
Junior Member
136 posts

Joined: Nov 2009
swt, in their website just say up to 2% rebate.. haha, kena tipu.
btw if that's is the case why
21. Best Credit Cards and its categories
2) Gold Card = Alliance Younique,
other gold card benefit are less than it?
« Next Oldest · Finance, Business and Investment House · Next Newest »
 

Topic ClosedOptions
 

Change to:
| Lo-Fi Version
 0.0945sec    0.68    7 queries    GZIP Disabled
Time is now: 8th December 2025 - 10:53 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.