Folks ... I have mentioned this before.

Card recommendation requests need to follow format as illustrated in the 1st post. Requests which are non-compliant will deleted instantly.

Sorry ... but I have mentioned this before and there has been too many request of such non-compliant nature.

1. Annual Income: RM100K and above.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Air Ticket, Astro & Telco Auto Debit.

4. Existing credit cards if any: Public Bank (Visa) Gold.

5. Preferred Bank or Considering CC from banks:

6. Others: Please be specific. I've been using PB Visa for almost 2 years now, previously i had maybank Visa & Amex + Bank Islam Mastercard but i discarded these 2 early this year. Any good CC to use other than PB Visa? they offered me platinum, is it worth it with my little spending?

7. Estimated Spending per month with the card: Less than RM1K hehe..

This post has been edited by Redcapz: Dec 18 2011, 06:43 AM

OCBC Titanium MasterCard. Clck here to read about OCBC and Maybankard 2 Cards, where both are cash back cards and earns you more versus your current Public Bank credit card. Even the Maybankard 2 Visa or MAsterCard which earns you 1X TP is better than your PBB Gold in terms of returns. The link also has a table comparing different cash back cards.

I think no harm getting PBB Platnium over the Gold since the annual fee is also waived with 1 swipe per month. But I don't understand why you cancel your AMEX ( I assume is AMEX AMEX and not Maybankard 2 AMEX ) which can be used for all requirements and earn minimum 2X points which is much better than PBB Gold.

This post has been edited by Gen-X: Dec 18 2011, 08:39 AM

Thx for the link, it was a good read. OCBC Titanium Mastercard 5% cashback have this monthly capped of RM50 for its cash back n will get nothing once this cap is reach, OCBC good for spender less than rm1k.. like myself

Come back to the CC, i was made to understand few months ago each of the banks(either visa or mastercard) imposed this one time transaction pin for any online purchases, the pin will have to be sent to the number you have entered for online transaction. This is a hassle to any workers working without any h/phone signal for a period of time. Luckily my PB cards was not one of the cards imposed for this one time transaction pin, i have my own pin which is the same pin i used for every transaction (come to think about it, its kinda not safe as this could expose to cc fraud/abuse), but the advantage is i can use my cc even while im working with no h/phone signal to receive the pin..

My PBB gold annual fee was not waived and charged to my bil in mid year, i had to call and ask them to waive it. (my annual swipe surpass 12x) luckily it was waive and the money return back on the next month bil.

It was maybankard amex, rarely used and since govt imposed on the service tax.. i decided to cancel all my unused cards.

you shud go to the bt thread
and you don't need an agent to do bt

1. Annual Income: 42k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate ONLY

4. Existing credit cards if any: UOB one card

5. Preferred Bank or Considering CC from banks: Hong Leong Fortune card (any one using it now ?)

6. Others: cuz currently UOB one card other transaction is only 0.2%

7. Estimated Spending per month with the card:RM1k on insurance

Both of you, click the link on Cash Back Cards I posted in my reply to Redcapz above. There is a comparison table of cash back cards.

socaisocai, the link also have a link to my HLB Fortune Card article. Go read it and you will learn that with RM1K spending, the Fortune card is not for you, better you consider HLB Essential. And UOB earns you 0.3% for general transactions.

Thanks alot Gen X

Lucky i go thru your article...the HLB staff keep on asking me to sign the Fortune card..but i dont understand it cuz really complicated...so i said i will do more research first..
lucky lucky...
since my other retail transaction always less than 1k..so i will take HLB essential...

thanks alot again Gen-X

thanks for Gen-X



1. Annual Income: Average RM 6,000/month
2. Free Lifetime Annual Fee: Yes
3. Card required for: Petrol, Dinner, Shopping, Movies and Installment Plans
4. Existing credit cards if any: PB Esso -CL 4k,HLB MC-CL 3K,UOB One Platinum-CL 6K
5. Preferred Bank or Considering CC from banks: Any.
6. Others:
7. Estimated Spending per month with the card:2K-3K
Thanks for Gen-X who give advise..I got my UOB Platinum..should I terminate the HLB MC and register Citibank or MBB or OCBC?which one come 1st?

1. Annual Income: < RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Example Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Digi Bills , Easy Payment Scheme.

4. Existing credit cards if any:Nil.

5. Considering CC from banks: Maybank dual CC

6. Others:

7. Estimated Spending per month with the card: RM1K to RM5K

You're welcome, Yah, Fortune Card complicated and benefit those who knows exactly how much they spending a year to benefit for, the annual bonus.

You're welcome , but I have yet to reply yours

Anyway, I think you should get both OCBC Titanium and Maybankard 2 Cards since you spend more than more RM2K/month. Go find Earn Pocket Money with Credit Card thread and read my link. I lazy to post.

** Edited for Typos, tired yesterday and blur**
As for your HLB, only you can decide if it benefits you, if it does not, then ask yourself why you keeping it. I have it, only reason I keeping it is because of my fetish with credit cards, hahaha.

Citibank, check out if their promotion can benefit you, because besides petrol, it earn you less than 2% where as Maybankard 2 AMEX 5X Treats Points is better. Go to MBB 2 thread and read my links. My article did compare MBB2 with OCBC and Citibank.

Yah, get MBB 2 Cards and go read my article titled Entry Level Credit Card, link in 1st post.

Bro, why worry about the charges, you must "dream" you'll be winning 1000% or more, hahaha

This post has been edited by Gen-X: Dec 23 2011, 11:27 AM

Thx Gen-X
applying them soon ^.^

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: List all your needs. cash back / rebate / discount on shopping / eateries / movies. (I have petrol and oversea transaction taken care of)

4. Existing credit cards if any: AmIslamic platinium

5. Preferred Bank or Considering CC from banks: Any

6. Others: Please be specific. NONE

7. Estimated Spending per month with the card: +-1k

This post has been edited by bearbear: Dec 24 2011, 02:40 PM

I recommend both OCBC Titanium MasterCard and Maybankard 2 Cards since you spend more than RM1K. Both cards earns you cash back and if you plan well, you can get up to RM100 cash back per month.

Click here to read more about Maybankard 2 Cards. The MBB 2 AMEX earns you 5X Treats Points everyday and EXTRA 5% Cash back on Saturdays and Sundays. The MBB 2 Visa or MC is not too bad with 1X TP but the advantage is that MBB Visa and MC Admin Fee for overseas transaction is the lowest.

Also click here to read about other cash back cards like the OCBC Titanium MasterCard (which earns you 5% cash back for petrol, dining and utility bills) and see table I have prepared.

What i meant is that i already have the petrol and oversea transaction taken care of by other card.

OCBC titanium MC looks good for me, thanks.

Hi, was thinking of getting my first cc =3
Already read lotsa post by Gen-X in your blog but I must admit, I need some guide

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Cash Back/Rebate, Booking of hotel rooms and air flights

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: List the Banks or List the card(s). I'll consider everything =3

6. Others: I don't think I'll be using cc alot. Just use it to purchase stuff that requires cc (like book hotel room and air flights). Got a Maybank Cherry card on hand but I don't think that can get me rooms in Genting ^^;;

This post has been edited by mad_crater: Dec 26 2011, 09:26 PM

For Entry Level cards use for non Petrol, Phone Bills and Pharmacy, your choices are

UOB One Card - CB 0.3%
Public Bank Classic - CB 0.3%
Citibank Cash Back Silver - 0.2% CB (and if you have Outstanding Balance, you can earn up to 2% cash back but this means you will be earning nothing but paying more in interest).
HSBC Visa Credit Card-i (Islamic Card) - 0.5% cash back

Seriously, if for convenience sake with little spending, I don't think you need a credit card because you have to pay RM50 GST every year. Like I mentioned in my article on Entry Level Cards, look into Public Bank Debit Card where you can earn 0.5% cash back and there is no GST but some cards have annual fees.

Having said above, it is good to have a credit card to build up your credit history/records.

You sure boh Genting don't accept Debit Cards. Try next time or go ask at Debit Card thread.

Thank you for your suggestions.
It seems like I need to reconsider applying for a cc ^^;; haha
I'll look up on the Public Bank Debit Card later.

Thanks again~!


[edit]
By the way, Genting don't accept debit card =O

QUOTE

Dear Sir/Madam,

Thanks for your email dated 27 December.

Regret to inform you that we do not accept debit card for payment, we only accept Visa or Master card. If you do not have credit card, the payment can be done via bank-in cash to our company Public Bank or Maybank account. kindly call to our reservation department at +603-2718 1118 for reservation but normal rates shall be apply.

Should you need further clarifications, you may call to our reservation department at +603-2718 1118.

This post has been edited by mad_crater: Dec 28 2011, 09:29 PM

few CCs are waive their annual fee or RM50 tax if you do transaction by your CC for specific amount or how many times you swipe it..

for example Bank A give you free annual fee but u need to swipe atlest 12 times, so may I swipe the card if the amount that I pay by my CC is <=RM50 ? or are there any minimum transaction that can be counted as 1 transaction ?

Hope you can understand

Generally, for annual fee waiver requirements, 1 transaction = 1 swipe, any amount.