Yes, for Maybankard 2 American Express. click beow link to see comparison between MBB 2 Amex vs Citibank Cash Back
http://creditcardsmalaysia.blogspot.com/20...-plat-cash.html

Maybankard 2 Cards Gold and Plat FREE FOR LIFE.

Also click below link to see benefits of card in brief in my artilce Malaysia Top 10 CC
http://creditcardsmalaysia.blogspot.com/20...ltimate_16.html



Yes, photocopies of your documents will do. Best place to apply if you are in Klang Valley is at MBB roadshow when you see one BUT make sure the agent is a MBB staff and not freelance so you can fax to him/her next day documents. 1U MBB Card centre also can.

8)Yes. click below link to read my article - M2U for MBB CC - You Don't Need a MBB Account
http://creditcardsmalaysia.blogspot.com/20...-cards-you.html

Try apply Maybankard 2 Cards, it reject then apply CIMB card or Public Bank.

Well with your AMEX Plat CC, you can enter Lcct and KLIA Plaza Premium Lounge unlimted times. With MBB Plat you already have a card that gives you lowest overseas conversion rate.

For foreign banks, Citibank PremierMlles do award Airmiles instead of reward points. You get to enter KLIA Plaza Premium Lounge with it and LCCT with Priority Pass. But the overseas conversion rate won't be as competitive as MBB Plat. Also you can check out Citibank website to see if it is worth it to get the PremierMiles card in your case where you only spend between RM1K to RM5K per month. Generally those who benefit most from Airmiles are those that spend much more than RM5K per month. Read back few post where hye gave an example.

WHOW, too bad the MBB 2 rejected. Anyway read back previous posts as many similar to your case, I too lazy to go cut and paste just as you are too lazy to go read the posts, hahaha

Also go to Petrol Thread http://forum.lowyat.net/topic/1798403, maybe look into AMbank Carz but cash back limited to RM20 only. Best if you can switch to Esso and get PBB Esso Debit worst come to worst.

Click below link to read my article on OCBC Titanium
http://creditcardsmalaysia.blogspot.com/20...-card-cash.html

EON Bank also waive the GST if you swipe 36 times if not mistaken. Go to their website to check it out.


OCBC Titanium for Petrol and Groceries, free GST if spend RM10K with it. Click link above to read about OCBC Titanium.

And or get the Maybankard 2 Cards as soon as possible where you get 5X Treat Points for ALL transactions and additional 5% cash back on Saturdays and Sundays with the AMEX. If spend RM2000 = 10,000 Treats Points that can be used to offset GST or just spend RM1K on a weekend you will have earned RM50 in ADDITION to the 5X TP.

Click link below to read about Maybankard 2 Cards

http://creditcardsmalaysia.blogspot.com/20...an-express.html

Both cards above are Free For Life.

FREE travel - well you got to choose you want AirMiles Or card for petrol and groceries. Also, AirMiles card tend to have higher annual fees.

This post has been edited by Gen-X: May 30 2011, 06:51 PM

Unfortunately, OCBC no longer allows pledging of FD.

With Petrol RM400, Grocery RM500 and Maxis RM200, best would be the OCBC TMC and MBB2 but you don't qualify for now.

The Citibank Shell Credit Card may be actually good for your case since you like Shell anyway. Click here to Citibank Shell site and check out how much you can get in return.

Or if you willing to pump at Esso, consider Public Bank Esso Card and combined with the Smiles card, you can earn up to 3.5% for petrol and for other transactions you still earn 0.5% cash back.

After 1 year or even 6 months, apply for MBB 2 again.

OT. your Maxis bill RM200 too high considering your income bracket. You should seriously relook into this and the savings you can get from it will be better and more than any credit card cash back. And your TnG is high too, RM200 which is half your petrol, I really cannot understand this. Just Maxis and TnG is already close to 20% of your income, you can cut it down by half and you will automatically earn extra RM200 per month.

This post has been edited by Gen-X: May 30 2011, 10:51 PM

the was never any good CC for fresh graduate in the first place. Most of us Seniors here started of like you, having only basic credit card for convenience purposes. We had to build our credit history over years and as our earning increased, we could apply for better rewarding cards. Just go get a card, and by next year if you have a good credit records and with increment in your income, you will easily get cards from the banks.

OT. I still think you can cut down on Maxis even if you mentioned you paying for 3 people. If it is for family, maybe you should go check out celcom where family line only RM5/month and calls within the lines are free. As for going back hometown, go take the bus?


OCBC Titanium MAsterCArd and Maybankard 2 Cards.
Click below link to read cards that are generally free (you still got to pay GST except for OCBC Titanium where they absorc it if you spend RM10K with it annually).
http://creditcardsmalaysia.blogspot.com/20...a-is-there.html

This post has been edited by Gen-X: May 31 2011, 09:59 AM

Generally, the reward system RM1 = 1 reward point comes out to be approximately 0.5% or less in returns when we redeem the points, that is why some cards give 0.5% cash back instead of points.

So for cards offering 5X, it will definitely be better than cards offering 1X points.

And thank you for reading my articles.

This post has been edited by Gen-X: May 31 2011, 12:10 PM

1. OCBC for Petrol (and if your petrol bills do not add up to RM1K, charge some utility bill to it) Monthly rebate RM50. Annually cash rebate RM600. Also Rm50 GST waived.
2. Alliance Bank Platinum credit card if you got monthly insurance or any other monthly expenses that is not chargeable with Amex card. Cash back applicable up to usage of RM5K where you get RM68+/month. Annually you'll get back more than RM800. On top of cash back, Alliance do reward you evergreen unlimited reward points RM1 = 1 point for local transaction.
3. Charge the rest into Maybankard 2 American Express and get 5X Treats Points equivalent to 2.5% return (better than Alliance) and maximum RM600 cash back annually if you spend RM1K every month on either Saturdays or Sundays.

From 3 cards above, possible max CASH back around RM2000 per year with RM7K monthly spending. Yet to even include Alliance reward points and Maybank Treats Points.

Your HSBC use when you get discount at merchants only, hahaha



0% installment, go check the merchant where you want to purchase the stuff accept what card and then go apply that card. No point I tell you go get Maybankard 2 Cards and the merchant don't accept Maybank for 0% installment. But I think most merchants accept Maybank cards for 0% installment.

Most supp card should be entitled to same reward point and cash back scheme . What your supp spend on? Best I suppose is the Maybankard 2 American Express where you'll be guaranteed 5X Treat Points. Go to Places that accept AMEX thread to get an idea where it is accepted.

No, the RM50 is shared. For groceries, the AMEX is accepted at most hypermarkets/supermarkets. Hospital such as Sime Darby and Pantai too. Shopping depends lah, yes she still need a Visa or MasterCard.

My wife hold supp cards as follows: Amex Gold Charge Card, Maybankard 2 Plat cards, UOB Plat, Direct Access World MasterCard and Visa Infinite.

She has her own Alliance Plat MC, Maybankard 2 Platinum cards (yes, she has both supp and principal, long story but if you interested in it, click here to read about it) and recently Citibank PremierMiles (so that she gets her own Priority Pass for airport lounges worldwide). She also has Alliance Debit card which gives her 2% cash back. She only uses her own cards to go buy stuff that she doesn't want me to know off e.g. jewellery, hahaha

This post has been edited by Gen-X: May 31 2011, 04:09 PM

yah, I know, gerardling call me crazy and someone else mentioned about fetish for credit cards The list above only part of my cards, click here and here too too see all my cards.

HSBC does have its benefit tho, like if you book hotel thru Agoda you get 10% discount. And some merchants do give discount. Go to HSBC thread and click on the links I posted to check out the merchants offering discount with HSBC card.

Go apply for the Maybankard 2 Platinum Cards and I believe MBB will increase your credit limit. You will benefit much more with the Maybankard 2 American Express even if they give you credit limit less than RM20K. Once the MBB 2 cards approved, you can transfer the Treats Points in your Petronas account to the new account.

what card you can apply? what are your needs Bro? You want to be crazy like me and collect cards? hahaha How about OCBC Titanium MasterCard?

You already stated main reason you want CIMB and MBB, so I guess you better be quick and go apply for the CIMB as the 0% BT ends this month. As for MBB, apply for the MBB Dua.

This post has been edited by Gen-X: Jun 2 2011, 08:33 AM

Go to here to read Ways to Pay your credit cards Thread. FREE if you got HSBC Premier or Advance account.

Your wife complains a lot, hahaha. For me, I also write cheques, last time no problems as got driver to wait for me as I run into the banks. Nowadays after I sent my kids to school, I just drop by the banks, no parking problems whatsoever and hardly anyone in the banks at 8am in the morning. I tell you, best time to go to banks is early in the morning, possibility of being robbed also less as all the "bad guys" still in dreamland.

I missed this yesterday, well according to Maybank website, you can still be issued a MBB credit card. It states the following:

If you are an expatriate:

* Letter from employer confirming duration of employment contract in Malaysia. Note: You must be a Maybank account holder.

The other options you have is go get Debit Cards linked to Savings Account. For petrol, you look into Public Bank Day to Day card or their Esso Card.

Go talk to your banker and see if they are willing you let you pledge FD.

What you mean by paying too much for annual fees? You never asked for waiver?
Just go upgrade you MBB cards to Maybankard 2 Card. No annual fees for life and 2 cards for price of 1 GST

Click below link to read my article titled Best CC in Malaysia. Is There REally One?", below where the cards I mentioned all come with Free Annual fees with and without conditions and MBB has two cards that are FREE For Life.

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



This post has been edited by Gen-X: Jun 9 2011, 04:21 PM

kick ass handphone, that is not often, maybe every 6 months Well most dealers that sells hp cheaper than RRP don't accept AMEX. Also for overseas transactions, better to go with Visa or MasterCard. So I guess to make your life simple, get a free for life credit card with the bank you have an account so you get to transfer fund in the middle of the night while clubbing with your kick ass handphone to make payment without having any fees imposed

You can also look into Maybankard 2 Cards where you can choose either MasterCard or Visa where the overseas transactions will be the lowest since it is a Maybank card.

I guess for Petrol, cash back and non local bank, your options are limited.

Citibank Platinum Cash Back Visa would be meet your requirements; however your annual income is less than their requirement. So I guess if your salary is close to RM36K, apply for OCBC Titanium MasterCard.

Master or Visa, not much difference in terms of acceptance in Malaysia. Most places that accept Visa also accept MC. However MC do have promotions at the Malls during festive seasons by offering free gift if you spend a certain amount.

Read the previous posts and you will note many are like you. Also click here to Petrol Thread to know more about cards that give you some kind of benefits when you pump petrol.

I would recommend that you "try" to apply for Maybankard 2 Cards. You got nothing to loose. Best place so far from feed back at MBB 2 Thread is apply at 1U MBB card Centre at New Wing. If your application is rejected (chances are high because you don't have credit history and income less then RM30K), go apply for other cards like UOB OneCard (if you pump at BHP) or CIMB Petronas (if you pump at Petronas). After 1 year, and if you have a good credit history, then apply for the Maybankard 2 Card and most likely yo will get it, by then too hopefully your income would also have increased.