Hi Gen-X, generally, my expenses break down will be something like this.
Petrol - RM 300
Insurance - RM 350
Phone Bill - RM 110

i was told to consider Maybankard by my colleagues too.. my concern is not about earning points, but rather the rebate + waving the annual fees and GST will be my priority..

For cash rebate cards, please click here to my Page of Cash Back at my blog. Looks like your case you can either go with HLB Essential or OCBC Titanium MasterCard which earns you 1% cash back for general transactions and also earns you about the same with your CIMB Supp card for overseas transactions.

As for Airmiles, PLEASE read the 1st post. As for LCCT airport lounge, technically you don't qualify for any cards. Click here to read on cards that grants you free entry to LCCT Plaza PRemium Lounge.o. You can try apply AMEX Kris Flyer, annual income requirement RM48K and you can always try to apply for any of the cards mentioned.


Bro, why you so lazy go compare yourself. I must start charging you for my free service, hahaha

With UOB One Card, above you earn Petrol RM15, Telephone RM2.2, Insurance Rm1.05. Total RM18.25

With OCBC TMC, above you earn Petrol RM15, Telephone RM5.5, Insurance Rm3.5. Total RM24

With MBB 2 AMEX, Cash Back Petrol RM15. Treat Points MBB 2 AMEX Petrol 1500TP, Telephone 550TP (if you can charge it on a Saturday and Sunday you earn extra 5% cash back). Insurance with MBB 2 Visa or MC 350TP; total TP = 2400 or RM12 (based on 10,000 TP to offset RM50GST). Total rebate RM27

read your review on HLB like not so good...

between MBB, UOB and OCBC... which 1 provide the most benefits?

I want cash back with those rebates at dining. like Citibank if not mistaken. Saw their banner outside of restaurant/cafe.

what you mean by benefits? if you meant cash back for dining, MBB 2 AMEX earns you 5% for any transactions of Saturdays and Sundays and OCBC TMC 5% cash back everyday.

If you are talking about discount/cash back at selected restaurants, well almost all credit cards got promotions (please not most are limited time offer). So what you should do is go find out if your favorite restaurants have any discount with any credit cards. For example, my RHB gives me 15% cash back at selected restaurants but I don't patronize them, so the RHB card is useless to me. On the other hand, I do get discount with my CIMB cards at my favorite restaurants. My advise is that you go to the bank website and read more on limited time promotions.

Thanks for the detail explanation.. hehe.. already filled up the Maybankard application form online. ^ ^

thanks... will now consider either MBB 2 Amex or OCBC.

tough decision haha.

1. Annual Income: ~RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for:
- 0% Instalment on Laptop purchase
- Petrol
- Cash Back/Rebate

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Prefer Maybank or RHB. Will consider from other banks.

6. Others:
- Fresh graduate (just started working last 6 months ago)
- Currently working at a new company without payment slip, but i still can use my bank statement as a proof right?
- Primary reason to have a credit card: wanted to build my history with CC and wanted to buy a laptop with 0% Instalment, pay monthly for 12-18 months.

7. Estimated Spending per month with the card:
- One time purchase of a laptop worth around RM3k-6k
- Monthly: Less than RM1k

1. Annual Income: RM60K-RM100K

2. Free Lifetime Annual Fee: best if no fee but 0% monthly payment is more important than annual fee.

3. Card required for: Cash Back/Rebate

4. Existing credit cards if any: Nil. Settled the cards now no credit card at all.

5. Preferred Bank or Considering CC from banks: Don't know.

6. Others: Looking to have a principal with a supplementary, and have a one time purchase of a camera & laptop, probably about 10K in total, want to pay in 24-36 months plan with 0%/lowest interest rate

7. Estimated Spending per month with the card: A one time purchase of 10K and then the rest of the months would be less than rm500

*must you be related in order to apply for supplemental under the principal card?

If I spend 10k and want to pay in 24-36 months, how much must I pay per month including interest?

This post has been edited by voidbutterflyx: Jan 8 2012, 09:55 PM

Since both of you want a credit card just for installment plan, I will reply in one go.

Go get Maybankard 2 Cards (click here to read more about it).

The Maybankard 2 Cards is FREE FOR LIFE and with the Maybankard 2 AMEX, you can earn 5% cash back on Saturdays and Sundays with any transactions in addition to 5X Treats Points. And best of all, you get a AMEX and Visa or MasterCard for a single GST of RM50.

Click here to see places where you can use the MBB 2 AMEX to earn you 5X treats points AND 5% cash back on Saturdays and Sundays.

Also many merchants offer 0% installment with Maybank credit cards. And some merchants also offer 0% installment for
Maybankard 2 American Express which is great since we can earn 5X Treats Points with it.

Click here to see where you can get 0% installment plan with Maybankard 2 AMEX.

Dell also accept Maybank Visa or MasterCard for their installment plans.

voidbutterflyx: Not many merchants offer 24 to 36 months 0% installment plans for computers or electrical goods. Moreover, I would not recommend going for 24 months and above installment plans for computers because you'll be like still paying for something that will become obsolete and may even be spoiled in 2 years time. My principal is if you don't have the cash on hand to pay for non-durable stuff, it means you cannot afford it and spending beyond your means. Having said that, 0% installment plans are great to earn us some pocket money.

And it is not necessary for one to be related to get a supp card;but, in my opinion, a guy should not issue his GF a supp card

This post has been edited by Gen-X: Jan 8 2012, 10:44 PM

Maybank should pay Gen-X some commission for the free marketing on MBB2 AMEX Visa/Mastercard.

haha, would love that since I need some income.

But because we all are unbiased in our recommendation, it does shows that Maybankard 2 Card is indeed great for general local transactions at places that accept AMEX. If some other bank(s) were to pay me something, then my recommendation might me different where I would highlight the benefits of their cards instead of promoting MBB 2 for FREE

This post has been edited by Gen-X: Jan 9 2012, 08:58 AM

u deserved an elite tag for all your contribution to the credit cards subforum

actually, I'll be able to pay for the laptop by next month, just wondering if it would be better to pay with the credit card using 0% installment or cash. I was thinking of using the card and keep the cash in my bank account, use it to pay for the card every month instead of one large sum. I don't know if it makes a difference, but just to note, I'm getting an apple. I hope they do offer 0% installment plans, have to check.

If I swipe for 5k with a 0% 12 months installment, at the end of the 11th/12th month, can I do a 0% balance transfer to another bank for another 6-12 months? can it work that way? hahaha.

Hahaha, I agree. but I think even if it's family also quite susah.

Bro, from the bottom of my heart, a big sincere thank you for your thoughts. It means a lot to me to be appreciated; and, having the Elite Tag ( the ultimate honour in this forum) is worth much more than some temporary money gain that I'll burn off anyway

Wonderful, you're on the right track as far as earning pocket money from credit card is concerned. By depositing RM10K in FD for a month at 3% interest, you can earn about RM25/month pocket money. Of course, you also have to consider how convenient it is for you to go to the bank. If it cost you RM10 for petrol and parking, wasting time. If the bank is beside your office, fantastic.

And if you had read the link I provided earlier to you, you'll note for Apple products, where you can get it at Harvey Norman and Machines, where they are suppose to be offering 0% installment plan with AMEX.

Once again, here if FREE promotion for MBB 2 AMEX. Say you getting a MacBook Pro at RM5,499, it means with the Maybankard 2 AMEX, you'll earn 27495 Treats Points which is more than enough to offset the RM50GST for 2 years or you can redeem for more than RM100 worth of cash vouchers. And since the Maybankard 2 Cards is FREE for Life (i.e. no annual fee), you'll be really getting the cards at no cost but actually can earn from it (and I have yet to include the 5% cash back on Saturdays and Sundays).

So, yes, like I said, 0% installment is great for those who have cash prior to their purchase.

Hi hi, as with the others need help selecting a card.

1. Annual Income: RM60K-RM70K

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Cash Back/Rebate Only, Overseas Transactions, Free LCCT Lounge Access, online purchases, usual groceries,

4. Existing credit cards if any: HSBC Amanah-i Gold Card (in process of upgrading to platinum), thinking of getting rid of it, not beneficial for me.

5. Preferred Bank or Considering CC from banks: Maybank2, OCBC Titanium

6. Others: Want to use the cards for the basic payments, petrol and bills. And as a backup when I travel overseas (2-3 times a year). Would be good to earn some money from it as well

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

Thanks for the help Gen-X. The blog's helpful as well, but too much information to take in.

For your case, since you do spend above RM1K, get both the Maybankard 2 Cards and OCBC Titanium MasterCard and get to earn up to RM100 per month But non of these cards grant you free access to LCCT PPL. Go to Airport Lounge Thread to read more on cards that allows you LCCT PPL or my blog.

And also click here to read more about Platinum cards. For LCCT, you can consider AMEX Kris Flyer, Citibank PremierMiles and Citibank Platinum. Once again go to my blog and read more about it.

This post has been edited by Gen-X: Jan 9 2012, 10:44 PM

guess I know which card I'm applying for now. hahaha!

oh and, curious with how the 0% balance transfer system works, if I swipe for 5k with a 0% 12 months installment, at the end of the 11th/12th month, can I do a 0% balance transfer to another bank for another 6-12 months? can it work that way? hahaha.

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: CIMB Petronas or HSBC

6. Others: want to collect points, rebates

7. Estimated Spending per month with the card: More than 1k

the installments are divided equally and by the end of the 12th month, there's nothing to BT lah.


Bro, you go want Cash Back and Points right. Then look into

1. Maybankard 2 Card which earns you 5X TP everyday with the MBB 2 AMEX and 5% Cash Back on Saturdays and Sundays. But I noted since you want CIMB Petronas, please note most Petronas do not accept AMEX.
2. Alliance Bank Credit Card (FREE with 12 swipes), earns you cash back based on Tiers (petrol too) and cash back 1X points but not for petrol.

CIMB Petronas is good if you only pump at Petronas where you can get 2% cash back and on 1st of the month 5% cash back.

HSBC non islamic cards earns you reward points but you get nothing for petrol unless there is a promotion.
HSBC Islamic Card are cash back cards - you go to HSBC website and check for yourself if you get cash back for petrol, I too lazy go find out.

Go to 1st post and click on Entry Level Cards to read more on other cards.

This post has been edited by Gen-X: Jan 10 2012, 06:50 AM

Dear all, please recommend me a card.

1. Annual Income: 36960 (gross)

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol mostly. Accepted at most stores overseas.

4. Existing credit cards if any: none

5. Looking at CC from: anything

6. Others: none