Hi, I do holding latest feb pay slip as well which is pure 4k, and the last 2 months which is basic 2.1k plus 2-3k commission... Average is 4k per month..

If maybank rejected me, can I tried it again? How long should I resubmit again . Thanks

i guess u can try again bt dun gif too much hope on it lor.. cz i did tried many times even haf a gd conversation to the officer in charge bt end up rejected oso. so i gif up dy.. tot of applying tis card due to many benefits. apply for the OCBC titanium bt approve..

I would like to reiterate for everyone to use the template to enjoy the complimentary help here. If you do not use the template then sorry as there will be no special treatment or waiver to rules mentioned in whatsoever case.

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Added on March 22, 2012, 11:16 amGenerally banks will not recognize the 2-3K commission to be a fixed income and that is not guarantee to recur on a fixed monthly basis.
So it is likely that only RM2.1K is recognized as the firm recurring income and this would explain the application rejection.

This post has been edited by hye: Mar 22 2012, 11:16 AM

Please fill items 1, 2, 3, 4 and 6:

1. Annual Income: 40k-60k
2. Free Lifetime Annual Fee: A Must
3. Card required for: List all your needs. Petrol, Cash Back/Rebate Only,
4. Existing credit cards if any: Nil.

5. Looking at CC from: None.
6. Others: Please be specific. I only want to pay amount due with my M2U online savings account / I want cash back only and no reward points.

Maybankard 2 Cards - that is if you don't pump at Petronas and you can pump on Saturdays and Sundays. The reward points you earn with Maybankard 2 Cards good lah, can offset GST

1. Annual Income: 26k
2. Free Lifetime Annual Fee: No need to waive
3. Card required for: List all your needs. Esso Petrol, Online Purchase
4. Existing credit cards if any: Nil.
5. Looking at CC from: None.
6. Others: Please be specific. I only want to use for many online purchase from oversea.

Thanks let me go survey survey :-)

1. Annual Income: About RM60K
2. Free Lifetime Annual Fee: No
3. Card required for: Petrol, Dining, Cash Back/Rebate, Hotels, Overseas Transactions
4. Existing credit cards if any: Nil.
5. Looking at CC from: Any bank with large network of branches

6. Others: I don't have a credit card at the moment. I'm looking to have one just in case especially for use during travel for work purposes - to local and international destinations. I travel for work about 5-10 times a year. Other than that the card will just be used for occasional expenses. Mostly will be used for petrol and dining.

Monthly expenses will almost always be less than RM1k

Please advise ! Thank you

May I suggest you to look at Maybankard 2 cards
http://forum.lowyat.net/topic/2248196

5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card and 1x TreatsPoint on Maybankard 2 Mastercard/Visa Card in Malaysia or anywhere else in the world.

5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Cardmember) per month.

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Would be nice to have XD

3. Card required for: Online Transactions & Petrol (and a little misc spending perhaps)

4. Existing credit cards if any: UOB Lady's Card

5. Preferred Bank or Considering CC from banks: Not particular

6. Others: As I will use this for online purchase, i'm looking for a card with ... theft protection? (in case of identity fraud, like someone stole my card info and use it to swipe something)

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

Item 6 - well there is this thing called Credit Card Protection insurance offered by third party and some promoted jointly with the card issuer but it is not free. I can't remember, but there is one premium or platinum credit card that do offer 0 liability against fraud case.

From my experience, Maybank Visa or MasterCard not bad as you will get a One Time Password by sms. Same for RHB Debit Card. AMEX the worst security feature. I think your UOB card should be the same(?) So, if you ask me, if you kiasu like me, get a Debit card for online transaction where you can control the damage, i.e. no money in account, nothing to loose, haha.

As for cash back card, look into Maybank 2 Cards or for petrol UOB One Card. Check out my reply to klcc212 and click on the cash back link.

1. Annual Income: more than 30k annum

2. Free Lifetime Annual Fee: A Must

3. Card required for: normal spending/overseas

4. Existing credit cards if any: cimb petronas gold mastercard

5. Looking at CC from: anybank..

6. Others: Is there any card that offer better cashback? preferably no limit for cashback..

7. Estimated spending : 10k/month minimum.. current card give 0.5% rate at no limit, looking for something better...

This post has been edited by Kenneth85: Mar 28 2012, 03:43 PM

1. Annual Income: RM55k

2. Free Lifetime Annual Fee: preferred but not a priority

3. Card required for: petrol, online purchase, dining, bills

4. Existing credit cards if any: CIMB Classic since 2009

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

6. Others: Looking for CC that gives lots of benefits... (continuous promotion,discounts, etc.)

7. Estimated Spending per month with the card: Should be around 1k..

Thanks.

Yes, OCBC Titanium give you 5% cash back on petrol, dining & bills. Online purchase will only having 1% cash back.
You may appy Maybankard 2 cards as your spare cc.

1. Annual Income: RM60K-RM100K
2. Free Lifetime Annual Fee: Must

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

4. Existing credit cards if any: CIMB Petronas, Citibank airasia

5. Preferred Bank or Considering CC from banks: List the Banks or List the card(s). OCBC titanium or Maybank 2 Platinum

6. Others: Petrol ~ RM400 monthly, Dine out ~ 400, Utilities ~ 500. Prefer to have something that gives me more cashback than the two cards that I have now

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

HLB Essential 1% CB, no limit but you got to check if got auto waiver. I will still recommend you to get Maybankard 2 Cards where AMEX gives you 5% for up to RM1K spending, balance RM9K go earn your 1% or less

All AMEX Amex cards earn you minimum 2X Membership Reward points and you can convert to cash to offset your bill. 2X = 1% cash back too.

And by the way, you mentioned spending RM10K/month and your income RM30K, which means your CL in accordance to BNM ruling is RM5K. So if got problem on CL, go get AMEx charge card.

Agree with Titan_Gunners but not much benefits. What benefits you talking about? CIMB pretty good for Duty Free at Eraman.

If you click below link to my article, you will note that there is no cash back Credit Card that gives you Free access to LCCT PPL.

Free Entry to KLIA LCCT Plaza Premium Lounge with Credit Cards.

But 2 Debit Card go give you complimentary access to LCCT Plaza Premium Lounge:

1. Alliance Privilege Banking MasterCard Debit Card that earns you up to 2% cash back up to RM9K.
2. RHB Premier Visa Debit Card - unlimited 0.5% cash back.

Click here my blog called Ringgit Wise Fool to read more about Privilege Premier Priority Banking.

So, for your case, get Maybankard 2 Cards and OCBC TMB for cash back and you can qualify for Citibank PremierMiles which is not a cash back card but it grants you FREE access to LCCT and KLIA PPL

This post has been edited by Gen-X: Mar 29 2012, 04:14 PM

Hie Gen-X, thanks for the detailed reply! Will be checking out Maybank 2 cards later today

Hi Gen-X,

From your blog about MBB 2, I saw the following when compared to OCBC TMC



What about if I make online purchase (Amazon, games subcriptions and etc) with MBB 2 Mastercard (instead of MBB 2 AMEX), would the admin charge be at 2.5% too?
What's the admin charge with OCBC TMC?
Isn't the currency conversion rate the same for all banks?

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Added on March 30, 2012, 4:37 pm1. Annual Income:

2. Free Lifetime Annual Fee: A Must (Preferbly)

3. Card required for: Better rebate/cash back (both if possible). Normally spend on petrol, annual insurance payment and online purchases/spendings

4. Existing credit cards if any: AMEX Gold card...

5. Preferred Bank or Considering CC from banks: None, mainly depending on the usage in item 3.

6. Others: Don't care if it gives rebate/cash back/points card as long it gives the best value for money back. But it seems like probably MBB 2 Cards and OCBC TMC so far. UOB One Card not bad too with petrol at 5% and can get up to RM50 rebate just petrol category alone based on this website, http://www1.uob.com.my/personal/cards/cred...b_one_card.html

7. Estimated Spending per month with the card: Around RM800-1500 monthly. Annually close to RM3k on insurance (GE).




This post has been edited by shawnk: Mar 30 2012, 04:37 PM

shawnk, for overseas conversion rates, click here. See the first post and the last few pages where jchong and zenquix have taken the trouble to compile conversion rates for Maybankards. Lowest is MBB MasterCard.

For cash petrol, UOB max cash back is RM30 i.e. up to RM600. Read carefully the link you posted. This card is good card to compliment MBB 2 Cards and OCBC TMC if you touch the RM50 cap. But for general transactions the UOB earns you 0.3%.

Click here t o my Cash Back Page where I have a table comparing different credit cards,

OCBC TMC is great for Petrol, Dining , Astro, TNB, Telco and Groceries where you earn 5% Cash Back.

Maybankard 2 AMEX is great for weekends as you earn 5% for any transaction PLUS 2.5% CB based on points everyday. Problem is not all merchant accept AMEX.

So if you ask me, get both MBB 2 Cards and OCBC TMC and earn 5% CB. And cancel your AMEX Gold CC

Just to point out, if you are thinking of getting OCBC TMC purely for your insurance because most insurance companies do not accept AMEX except for Etiqa. But AIA office in Jln Ampang and PJ do accept AMEX (reported by wshoh and MGM. So if say your insurance premium is RM3K, you will earn 1% with the OCBC TMC = RM30, not enough to cover the GST, haha. So if say you have the Maybankard 2 Visa or MasterCard, use it for your insurance premium and you will earn 1X TP which is like 0.5% returns or RM15 and not need to pay extra GST.

As for MBB 2 AMEX 5% cash back on Saturdays and Sundays, it is not guaranteed for online transactions - some people reported they got the 5% cash back and some did not at the MBB 2 Thread,

Gen-X bro, thanks for the detailed explanation. Great to have people like you to share knowledge and help others out!