no annual fees, GOT GST
so far only a few banks will offer points to cover the GST

1. Annual Income: S$24k+/-

2. Free Lifetime Annual Fee: Must.

3. Card required for: petrol, Cash back/rebate, 24/36 months interest free payment

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: nil

6. Others: combine bill, more option on 0% installment plan, any advice will be grateful

7. Estimated Spending per month with the card: 1.5k+/-

Thanks for advice..

usually how to provide annual income supported document?

form B/BE? or payslip?

either one, if payslips normally need 3 months

Please read my above reply to MYstombox where you have similar requirements.

As for S$24K, it means nothing to me, you got to go ask the bank what requirements they need for your case.

wanna ask.. the annual income is da basic salary?? or plus allowance?? my basic is rm2300 n my allowance is fixed rm250 per month.. n i can claim unlimited for petrol since i'll alwys go to site.. so every month my salary will be around rm2700+-.. so wats my annual income??

Fixed income only. Your petrol money should be variable income.
So, it is RM 2,300 + 250?

wat is B/BE? if i work only 1 month, can i apply for credit card? Need them for sudden emergency cos company will suddenly ask to go outstation without giving cash in advance, but can claim back later with receipt those.. wat is the recommended card for fresh grad ?

This post has been edited by ben3003: Jan 25 2012, 08:28 PM

Please use the template ... answer them and then only you'll get your answer. If you ask like what you did, you will be ignored and this rule is outlined in the MOD notes for this forum. Did you even bother to read ?

MOD Notes for Finance Section

This post has been edited by hye: Jan 25 2012, 09:40 PM

1. Annual income 60k
2. Free lifetime annual fee : dont mind
3. Card required for : cash back rebate, petrol, interest free epp
4. Existing cc : maybank visa flexcard
5. Preferred bank : ocbc, pb
6. Others : planning to do BT from my current cc to new cc...so, looking for good offer of it.
7. Spending : >rm500 mainly on petrol

Since you prefer OCBC, you can get the Titanium Card, which give you 5% cash rebate for petrol, dining & ultility bills which cap RM50 per month.

I have to choose between ocbc titanium or pb esso...but looking at pb esso, the card has tier in % of spending but ocbc just flat rate, isnt?

Yes, PBB ESSO's rebate based on tiers. OCBC 5% cash back is applicable to any petrol station everyday and great when you go outstation.

Thanks dude.

1. Annual Income: Around rm24-28K

2. Free Lifetime Annual Fee: Must.

3. Card required for: Petrol rebate

4. Existing credit cards if any: CIMB Petronas

5. Preferred Bank or Considering CC from banks: Dont Care

6. Others: Free Interest Installment

7. Estimated Spending per month with the card: Around RM300 to 500 for petrol only

consider to get more petrol rebate cashback..is it other card have more benefit than petronas cimb?

thx for advance

This post has been edited by soul333: Jan 27 2012, 04:10 PM

1. Annual Income: about 100K
2. Free Lifetime Annual Fee: Must.
3. Card required for: Petrol rebate
4. Existing credit cards if any: CitiGold, SCB platinum
5. Preferred Bank or Considering CC from banks: Maybank, since my new job salary account is from Maybank for easier repayment
6. Others: Easy card repayment, rebate!
7. Estimated Spending per month with the card: RM3000. Petrol is about RM 400

UOB One Card where you can earn 5% cash back everyday at all petrol stations

Please also go to Petrol thread for more info on other cards and how you can benefit with ESSO Smiles Card, Mesra Card and BHP Card.

For you case, go get Maybankard 2 Cards and OCBC Titanium MasterCard and start earning back 5% However, please note that the max cash back for both these cards are RM50/month. So if you can plan when to spend RM2K/month, you can earn RM100/month in cash back or RM1200/year

First thing to do is click here to my Cash Back Page at my blog and see the table comparing cash back cards. From here, list out your monthly expenses and see which card benefit your most.

After you have read the cards I mentioned in above link, and you have some idea on benefits of different cards, then click here to read my article Earn Pocket Money with Credit Cards.

This post has been edited by Gen-X: Jan 27 2012, 06:04 PM

Hey thanks a lot.

One more question, the cards mentioned (rewards points and rebate) also applicable to sup card?

This post has been edited by hcstwb: Jan 27 2012, 11:09 PM

Yes, the cash back and points are applicable to supp cards BUT the cash back cap is combined i.e. RM50/month include supp card.

If you and your spouse do spend more than RM1K for the 5% portion, then ask him/her to get his/her own Principal Card and both of you can earn RM100 per month from the same type of card.

This post has been edited by Gen-X: Jan 28 2012, 12:03 AM

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

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

4. Existing credit cards if any: Hong Leong GSC

5. Preferred Bank or Considering CC from banks: Any

6. Others: I want cash back only and no reward points.

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