Any suggestions?

1. Annual Income: RM28K to RM30K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Online Shopping, Shopping, Bills & Emergencies

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Any Bank

6. Others: Nil

7. Estimated Spending per month with the card: Less than RM1K - RM3K

This post has been edited by vaanwarrior: Jun 1 2012, 09:05 PM

1. Annual Income: RM24K-RM30K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: movie/cinema

4. Existing credit cards if any: MBB 2 cards

5. Preferred Bank or Considering CC from banks: only know citibank that has this features

6. Others: NIL

7. Estimated Spending per month with the card: <RM1K (solely for buying movie ticket only)

So far i only know citibank card give special price in purchasing cinema ticket (i.e. RM10), though didnt know exactly which card.
may consider other option if have better choice. thanks.

please give me some recommendations... my requirement is very hard to satisfy.

1. annual income RM30K to RM36K
2. Free Lifetime Annual Fee: A Must
3. cash back only
4. Existing credit cards if any: pbbank esso mobile visa
5. Preferred Bank or Considering CC from banks: UOB not bad, but their annual fee and GST is a setback
6. Very high cash back for petrol
7. Spending per month : RM1K to RM2K

There are possible more premium / returns in Premier cards (income of RM150K p.a onwards) but at your income level ... please manage your expectations well or there'll be no cards to satisfy you.

GST also you cannot afford But you can afford to spend RM1k per month / RM12K per year ? (Works out to be 0.4% of annual income) Sigh .. You do have quite a shameless statement.

This post has been edited by hye: Jun 3 2012, 10:00 PM

i describe myself as kiasu cheapskate. i think this is quite a common typical malaysia mindset

rm50 to spend or rm50 to pay tax.... the difference is quite substantial

This post has been edited by john123x: Jun 3 2012, 10:54 PM

To be honest, RM 50 GST fees is very cheap.
Get debit card la, no need to pay for GST.

1. Annual Income: RM36K to RM96K (My Income is very unstable )

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol(Shell only), Cash Back/Rebate Only, Utilities, Groceries, etc

4. Existing credit cards if any: CIMB Direct Access Platinum (Master) & UOB Preferred Platinum (Visa)

5. Preferred Bank or Considering CC from banks: OCBC Titanium Mastercard Cash-Back & Maybankard 2 American Express® Card and Maybankard Visa Card

7. Estimated Spending per month with the card: RM2000+/- & RM1000+/- for both cards


want to cancel both CIMB Direct Access Platinum (Master) (going to join them I can't hold any card with them) & UOB Preferred Platinum (Visa) (this yr star to asking to pay the annual fee, has to call them to cancel it)which I used more than 10 years++, no any outstanding balance on both of the cards currently

keen to apply both OCBC Titanium Mastercard Cash-Back & Maybankard 2 American Express® Card and Maybankard Visa Card

but my income is not very stable
can I just photocopy my both current CCs to the Bank to apply them?

advice pls TQ

This post has been edited by asiatrader98: Jun 4 2012, 10:56 PM

1. Annual Income: RM72k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Backup Cash Rebate card (priority), 0% Installment Plans (priority), LCCT/KLIA lounge access (optional), Travel/Purchase Protection (optional), Extra Promotions on Dining/Shopping (optional).

4. Existing credit cards if any: OCBC Titanium Master Card

5. Preferred Bank or Considering CC from banks: UOB One Card, Maybank 2 Card Platinum, or Citibank Cash Back Platinum. If there is any other good credit card that I have not listed, please enlighten me.

6. Others: Would like to have a backup card, preferably Visa.

7. Estimated Spending per month with the card: Less than RM1k or use it to buy for Flight tickets.

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , Online Shopping on iTunes and Google Play, 0% Installment Plan, movie/cinema

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Currently have saving account on CIMB

6. Others: I am a foreigner and can I apply CC from other bank than CIMB?

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

This post has been edited by careless_89: Jun 6 2012, 06:44 PM

Question 2 and it's allowed answers does not lend itself to useful responses.

If you asked someone whether they want it free or not, in isolation as a single question - of course they want it free.

Try asking if GST still matters if even with GST, you still get better nett benefits, you might get more relevant responses. It's the nett benefit which is the relevant point after all, right?

Hello everyone and Gen-X,

I am thinking of reducing my cards to 2 or 3
At this moment - I use MBF card for everything .. other CCs as back-up


1. Annual Income: RM60K-RM100K

2. Free Lifetime Annual Fee: YES (otherwise have good CS where I can call to get waiver every year )

3. Card required for:
Drinking+Night-time Entertainment = at least RM 1k/month
Petrol = around RM 200-300/month
Insurance = about RM 500/month
Phone = less than RM 90/month
Retail transactions : not more than RM 1k/month

I do not use : AirMiles, Overseas Transactions, Free LCCT Lounge Access or Golf

4. Existing credit cards if any:
MBF (gives bonuslink points), UOB One, HLB Plat, AmBank Gold, HSBC Gold, Citibank Gold and PBB Plat (Mutual Gold one)

5. Preferred Bank or Considering CC from banks: any bank CC is OK. i will call CS to get that card too if really good. just got a call from SCB for their Business Platinum (0.3% cash back on all transaction except petrol, no cap)

6. Others:
a. Looking for card with 'best' cash-back and with points ! (otherwise best cash back only is OK too)
b. financial discipline = 5/10 (sometimes forget to pay before due date lah haha) - so cannot be too complicated, now already quite blur haha
c. now based in penang (KL mari punya)

7. Estimated Spending per month with the card: easily 2k-3k per month
(total spent in 2010 : 39k / total for 2011 : 39k)

1. Annual Income: SGD26,400

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Buy airline ticket, online transactions, shopping goods, bills, dining, Cash back/Rebate Only, Air Miles, Overseas Transactions.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Any bank in Singapore.

6. Others: Please be specific. Example: I am a foreigner, I want cash back only and no reward points. I want with a monthly repayment

7. Estimated Spending per month with the card: Less than S$1K or no monthly spending required.

Maybank Petronas Credit Card which has no monthly cap for petrol at Petronas BUT their minimum income starts at RM30K. You can try to apply.

For CIMB they do have Petronas card the cash back is like 2% and 5% on the first of every month.

For your case, get UOB One Cardwhere the annual income requirement is RM24K where you can earn 5% at Petronas but there is a monthly cap. Go check out what is the latest cap.

Goto to the airport lounge thread for more details. Looks like you can qualify for Citibank PremierMiles or Platinum.

Click here to read my more than a year old article on FREE credit Cards i.e. no annual fee OR Click here to read my article on Entry Level Credit Cards.. My recommendation is get a card from the bank where you have existing account. Having said that, I recommend you try apply Maybankard 2 Cards (goto to MBB2 Thread to read more).

Check out Citibank Clear Card where you can get Free ticket every Friday at TGV, GSC and Cathay and on Saturdays at TGV. Click here to read more on Citibank Credit Card Promotion


For you case go get Maybankard 2 Cards. Spend RM1K on a Saturday and Sunday with the AMEX (within a year) and your GST is offset and you still earn 5 times points

Banks nowadays need proof of income and if you really earn RM96K, you would have paid income tax, so you can submit your BE Form as proof of income. However if your income is tax free, sorry.

Maybank 2 Cards would be great as a back up since it is FREE FOR LIFE and the AMEX can use to purchase air tickets too for most airlines.

Your cards all useless Go get Maybankard 2 Card and earn yourself RM600 in cash back and minimum 120K Treats Points in a year with RM2K spending a month. For your easy reference, click here to read my article on Maybankard 2 Cards. . Check if your drinking place accept AMEX. For insurance most probably not unless yours is AIA where certain offices accept AMEX.

Also do consider OCBC Titanium cash back where you earn minimum 1% cash back (good for your insurance) and 5% for Telco, Dining, Utilities and Petrol.

You are a foreigner and earning SGD, go talk to you SG bank.

This post has been edited by Gen-X: Jun 11 2012, 07:19 PM

Annual Income: RM28K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, Online purchases, Retail purchasing

4. Existing credit cards if any: Nil.

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

6. Others: First CC recommendation

7. Estimated Spending per month with the card: 1k - 4k

1. Annual Income:RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for:Cash Back/Rebate Only, Online Transaction, Overseas Transactions.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: any banks

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

Looks like you only qualify for UOB One Card but you can try and apply Maybankard 2 Cards where the AMEX earns you cash back.

Since your income is RM30K-36K and you want cash back, click here to my Cash Back Credit Card Page for more info. Maybank Visa or MasterCard credit card overseas conversion rate is amongst the lowest. And if you lucky, you may even earn 5% cash back with the AMEX card for overseas transactions but bear in mind the AMEX conversion rate is much higher than Visa or MasterCard. If you ask me, apply for both Maybankard 2 Cards and OCBC Titanium MasterCard.

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Overseas Transactions

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Any

6. Others: Cash back or reward points

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

Look back few post where I replied to several posts where one or two are similar to your case.

thank you for the guidance, Gen-X !
time to look for OCBC Titanium and Maybank 2 cards then ..

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Overseas Online Transaction

4. Existing credit cards if any: Citibank Gold (Supp)

5. Preferred Bank or Considering CC from banks: Maybank (I heard their administration cost is only 0.5% while other banks charge more)

6. Others: I buy things from online regularly. Some of my shopping sites do not accept PayPal..so I need a credit card. I thought any credit card will be good for me until I found out that Maybank offers the lowest admin cost. I also read that Mastercard's exchange rate is better than Visa. Read from some threads here.

7. Estimated Spending per month with the card: Around RM2k

Thanks!

This post has been edited by deejay220989: Jun 15 2012, 09:55 PM