Thanks for the recommendations fruitie, I could check out OCBC as well. UOB one card seems quite fine as well.

Btw, I forgot to mention that petrol (only with Petronas) as I don't like to mix petrol from other petrol stations.

Maybank & OCBC have rejected my application even though i have annual income of RM 48k. The reason they give me is because i don't have any existing CC and loan commitment. Maybe if i apply for car loan can help me get CC.

wa?? why must like that de? Btw, if I have a housing loan, which they have not pay to the developer yet and havent requested for me to pay the installments yet, could it be okay as well?

How long have been working in the current job ?

Act is not a new card, is the same titanium card with same benefits but lower requirement for the degree holder who below 28 year old to apply..thanks

Then, might as well lower down current Titanium's requirements.

I don't know. I never own any CC before.


I've been working for 3 years in my current company. Previous annual income is around 36k. Now i try my luck on Citibank CC.

This post has been edited by ckkean: May 21 2012, 12:33 PM

Tough luck bro,
I guess I'm in the same boat as you, no prior CC or loans whatsoever, Citibank just rejected my application for 2 cards as well, now waiting on OCBC, Maybank2Card shall be my final alternative lol

So its a good thing to get loans and others as credibility proof how bout insurance premiums paid on time? lol

Haha...I oso hope they will lower down the requirement and increase the approval rate..haha

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol, Cash Back/Rebate Only,Free LCCT Lounge Access is a must Senai airport if possible too

4. Existing credit cards if any: cimb gold card (useless)no point for petrol

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

This post has been edited by epie: May 26 2012, 09:42 PM

3 years statement by annual income is around 36k also not approved?

Hi Hi ... Need some input in getting the right CC that suits my needs, details as below:

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Online transactions, Bills - h/p, internet etc, insurance, food, cashback/rebate?

4. Existing credit cards if any: 0.

5. Preferred Bank or Considering CC from banks: Whichever that suits my requirement

6. Others: Currently have savings acc with MBB

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


Thanks!

is there any credit card for company?
For company bill payment and stuff.

ya ocbc is strict, i tried twice with annual income of +-40k still failed. Best part they nvr disclose why

End up with Maybank2 card, apply - approved and got my card within 2 hours

This post has been edited by bearbear: May 29 2012, 05:44 PM

I find that Maybank2card is harder for approval compared to OCBC, or is it just me? I tried to apply for Maybank2card 3 times, all rejected, but my OCBC was approved on first try.

now this is interesting!!

o wait i was referring to ocbc titanium master, same?

This post has been edited by bearbear: May 29 2012, 07:08 PM

Yeap. Mine is ocbc titanium master.

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol(Petronas) / Travel / Movie / Shopping / Digi Plan for purchase of H/P

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Maybank / Eon / CIMB / Public or any better choices.

6. Others: For shopping / traveling / petrol

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

Suggestion needed~


1. Annual Income: RM60K-RM80K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Cash Back/Rebate, Free KLIA/ LCCT Lounge Access , X2/3/4/5 reward points

4. Existing credit cards if any: MBB Petronas, MBB 2 cards

5. Preferred Bank or Considering CC from banks: Any (With online GIRO payment capability)

6. Others: NIL

7. Estimated Spending per month with the card: RM1K