If you wish to give some recommendations here, please at least point out the benefits of the card or the reason that you recommend that particular card. else, anyone can just shoot out a random card here.

can consider UOB One card..Cash rebate for pertrol for ANY petrol station @ 5%..

Your income range is rather large. But if you meet the requirement for OCBC Ti, you may want to look into its benefits. 5% for all petrol brands, groceries, dining and utilities cap at RM50 per statement month. Other transactions gives 1%. Annual fee is waived for 12 swipes.

This post has been edited by Human Nature: Apr 8 2012, 12:12 PM

Hi guys, would just like to check whether is there any schedule kinda table on how much CL we can get vs yearly income?

Will do!

Wow thats really good. Thx for the tip!

Annual fee is waived for 12 swipes a year? Or like i have to swipe at least 12 times a month? Sorry not so familiar with CC terms

12x swipes per statement year

Noted. Thx

Ya, but monthly rebate max capped at RM30 for UOB One Card.
Like what Human Nature said, OCBC Titanium is better as long annual income over RM36,000.

1. Annual Income:RM30k
2. Free Lifetime Annual Fee: Would be good to have
3. Card required for: Petrol, groceries
4. Existing credit cards if any: Nil
5. Preferred Bank or Considering CC from banks: Any bank
6. Others: Nothing
7. Estimated Spending per month with the card: Should be around RM 750 (For petrol and groceries only)

-edit-

This post has been edited by kirra0820: Apr 10 2012, 03:18 PM

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: If can.

3. Card required for: Petrol, groceries, bill

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Non

6. Others: non

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

Thank guys.

This post has been edited by sub_noob: Apr 10 2012, 05:04 PM

OCBC Titanium...
5% cashback on petrol & groceries everyday...dun forget the bill & dining...

Nope, cant. OCBC Ti requires RM36,000 per annum

Hi sifus, I need recommendation for my first credit card.

My detail as below:
1. Annual Income:RM60k++

2. Free Lifetime Annual Fee: MUST

3. Card required for: Online purchase (Paypal) I'm a heavy paypal user & my monthly PBE debit card transaction exceed 10-20k+, Petrol

4. Existing credit cards if any: Nil

5. Considering CC from banks: Citybank, SC, HSBC, CIMB

6. Others: Nothing

Looking for u guys reply, appreciate

My detail as below:
1. Annual Income:Below 60k

2. Free Lifetime Annual Fee: MUST

3. Card required for: Company travel expenses (domestic) - Hotel payments, meal payments

4. Existing credit cards if any: M2

5. Considering CC from banks: As long as IBG from M2U and with online banking facility it is okay.

6. Others: Cash back, points, etc are welcome.
Also, my company has corporate rate with Sunway Pyramid tower hotel, any points for that is also welcome. Or loyalty card combo, etc.

For Petrol get OCBC Titanium MasterCard and earn 5% at any petrol stations and for Dining, Groceries, Utility and Telco bills too. If you pump at Esso or Shell on Saturdays and Sundays only, then Maybankard 2 Cards American Express can earn you extra 5% on top of 5X Treats Points (applicable 365 days a year). Click below link to read more about Cash Back Cards.

http://generationsxyz.blogspot.com/p/cash-back.html

For Paypal, I am not too sure. There are some that uses the Maybankard 2 Amex card on Saturday and Sunday to earn 5% cash back. IF your paypal in RM, then maybe ok to use MBB 2 AMEX, BUT in foreign currency like USD, do note that you may be charge up to 3% with AMEX cards. Go search for Paypal at MBB Thread ( including past V1 to V3) or ask there. Click below link.

http://forum.lowyat.net/topic/2248196

But the AMEX 5% cash back is capped at RM50 a month or RM1K spending. Anyway, for your info, Maybank MasterCard overseas conversion rate is among the lowest. So if you apply for the MBB 2 Cards, still can use the MBB 2 MasterCard and earn 1X TP and pay less in conversion. Try and compare with PBB Debit and see if they are any savings in conversion rate.


If they accept MBB 2 AMEX, then you can earn 5X TP.

If they don't accept AMEX cards, you may want to consider getting HSBC Visa Signature where you do earn 10X and 5X points for hotels and dining overseas with T&C. Click below to read more about the card. Annual Income requirement RM100K but you can try and apply if you think you can benefit from it.

http://generationsxyz.blogspot.com/2012/03...-signature.html

This post has been edited by Gen-X: Apr 13 2012, 01:19 PM

I doubt I'd travel overseas much at the moment.
Now mainly is travel to KL.

My bad for not reading carefully. For Domestic use I guess Maybankard 2 Cards AMEX teh best. For meals OCBC Titanium MAsterCard. OR if the hotels do not accept AMEX and you spend 2K to 5K, consider getting the Alliance Plat Card and earn up to 2% cash back.

I'm waiting for the appeal on the OCBC TiMC, it got rejected. Applied that before I sent in application for M2.

Now sent in additional documents to prove that my company did change name -.-'.

---

Added on April 17, 2012, 8:52 am@Gen-X, well that rebates of 2% doesn't look interesting because it's tiered.
I am reading through the application form and they explained. Alliance bank's website isn't very informative as well. Thanks though.

This post has been edited by MYstombox: Apr 17 2012, 08:52 AM

Need help. Too confusing. So many table and charts . I heard ocbc titanium is the best in terms of cash back rewards. And free for life. And gov waiver also. Like totally no drawback. Is this the best card?

Before you request a recommendation, please post the followings:

1. Annual Income: RM24K to RM30K or RM30K to RM36K or RM36K to RM48K or RM48 to RM60K or RM60K-RM100K or and RM100K and above or leave blank.
RM100K and above

2. Free Lifetime Annual Fee: A Must or No only.
Must have free for life

3. Card required for: List all your needs. Example Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , Golf, etc or Don't Know.
Cash back. Most of the time I don't know what I'll use it for (maybe everything also). Mostly for bills and petrol and weekend entertainment.

4. Existing credit cards if any: List them or Nil.
None from Malaysia.

5. Preferred Bank or Considering CC from banks: List the Banks or List the card(s).
No preference. must have online banking. Coz I might not be around to pay physically

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.
Malaysian working in singapore. Wants a credit card for use in malaysia to avoid conversion fees with my sg credit card.

7. Estimated Spending per month with the card: Less than RM1K or RM1K to RM5K or RM10K and above
Probably less than 1k.

This post has been edited by thelws: Apr 17 2012, 12:08 PM