depends what you mean by easy. Lowest income requirement is Citibank Platinum Cash Back and UOB OncCard Platinum. Both these cards require only RM48K annual income and both are cash back card

Click here to to my article on Minimum Income for CC where it list Platinum Credit Cards. But if you see my chart, these two cards not under Platinum Category but others because as far as I am concern it is not a "real" Plat card but more for marketing purposes.

This post has been edited by Gen-X: Apr 5 2011, 11:08 PM

Yah, the classic cards are now being phased out and entry level is Gold Card. In another 10 years, all existing Gold card cardholders will be upgraded to Plat and existing Plat all upgraded to Visa Infinite/World MasterCard. And all existing WMV/VI cardholders upgraded to Uranium Cards (where CL not less than RM100K because of inflation)- too hot to handle for most, hahaha

Anyway, click below to read my latest article titled The Best Credit Card in Malaysia - Is There Really One? But for seniors, no need waste your time reading it as you would already be having the best credit cards in your wallet

http://creditcardsmalaysia.blogspot.com/20...a-is-there.html

This post has been edited by Gen-X: Apr 6 2011, 10:11 AM

no lah, tell his staff to pay for the makan since he got higher standing card

I know a few retired millionaire who only uses Gold Card and actually prefer paying with Cash. If you pay with Cash, then it shows you got $$$ else we living off credit.

cards that don't give auto waiver for annual fees is automatically disqualified, hahaha. I wouldn't want to promote/recommend a card to someone and he/she might end up having to pay annual fees.

This post has been edited by Gen-X: Apr 6 2011, 01:41 PM

Refinance the house under your name? What makes you think after that she won't accumulate debts again?

Yes, go talk to the banks and see what can be done. Also go read 1st post of CC Thread V15 items 17 & 18, link below:

http://forum.lowyat.net/topic/1767872

Worst come to worst, if she is not working nor running a business, just declare bankrupt. And if really refinance under your name, better you buy the property up from her at a discount since her debt have been "transferred" to you .

This post has been edited by Gen-X: Apr 6 2011, 03:17 PM

I think you might have been confused...
Yes balance will not be imposed interest if you settle in full before due date. But in your case, most probably you thought it will be interest free for forever, where got such thing. Go pay the amount in full plus interest so that the account can really be closed. The longer it takes you to settle the outstanding amount, the more interest will be imposed. Always pay all outstanding balance due before the Due Date.

OCBC called my office to confirm I was working there. For some of the cards I applied through agents long ago, the banks will call my mobile to confirm that I did indeed apply for the card.

No, only Visa and MasterCard.

same same, I think only Takaful accept Amex, please go to Amex Thread and do a search.

dattebayo, also note that if you have outstanding balances, new transactions may also be imposed interest prior to Due Date.

based on zenquix post previously where he did transaction on 5th March and comparing them to BNM rate, MBB 2 Visa and MBB 2 Amex rate was 1.2% and 2.65% higher than BNM's rate respectively. Click below link to my blog somewhere in the middle.

http://creditcardsmalaysia.blogspot.com/20...ource=BP_recent

Got 3rd agent offering service for HSBC credit cards. I must go start a thread on HSBC CC before more comes in.

In the news - police nabbed 13 people including 7 postmen involved in credit card fraud. Click below link to read my article on it.

http://creditcardsmalaysia.blogspot.com/20...card-fraud.html

Just posted my article on Fraudulent charges with credit card at my blog.

The Star today headlines is about BNM smsing card issuer. What a bull, the card issuer is suppose to sms and not BNM. Anyway it got me thinking, if we don't call the bank immediately after we receive the sms, would that mean that we will be liable for the unauthorized transaction? Should there be a time frame for us to call back? What if your handphone no credit or no battery

Anyway, click below to read my article -

http://creditcardsmalaysia.blogspot.com/20...harges-sms.html

Just posted that EON Visa Signature now allows unlimited access to KLIA, LCCT, Senai and Changi Plaza Premium Lounge at my blog on credit cards and at Airport Lounge Access thread.

http://creditcardsmalaysia.blogspot.com/20...ource=BP_recent

HLB Fortune Credit card, well, it is a card like no other card and if you spend less than RM1K, you won't get anything. Do a search and you'll get the answer to your question.

I just posted my latest article at my blog on CIMB Direct Access promotions and was pleasantly surprise that we get 10% discount at Alexis Free movie tickets at GSC extended to Platinum cards too. Other offers 15% discount at Tai Thong group including Room 18 and San Francisco Steakhouse. 5% offer at Kinokuniya ends this month and you get 1 for 1 free latte at San Francisco Coffee.

Click here to read Promotions with CIMB Bank and Direct Access credit cards.

As for the free gift offer at KLCC, swipe with 2 cards to get maximum benefit. Example, if your transaction cost is RM15,000, swipe RM10,000 with CIMB if you want the Mendoza luggage bag and balance RM5,000 with Maybankard 2 Amex

Also I just applied for Citibank Platinum last week and got my wife to apply for the Premier Miles today to get 2 Priority Passes. Citibank absorbing the first year GST. Since it is truly free for 1 year, that's why getting the cards and making my collection complete, well not really still missing PBB and SCB card.

yah Tai Thong restaurants offering many type of promotions in April because of Cheng Meng month.

yah, you are right, must go amend that post. Got a disclaimer at the end tho where I mentioned offers subject to T&C.

**Edited**
Just added KFC pay with points where you pointed out earlier we can do so. This is great as CIMB we can no longer redeem for cash vouchers.

Thanks for your valuable comments guys.

This post has been edited by Gen-X: Apr 19 2011, 12:47 PM

no wonder your thread got deleted because you open a thread just to ask this when you can easily get the info at SCB website But since I very free now, here you go:

http://www.standardchartered.com.my/cb/fees_and_charges.pdf