Hi the annual income is after EPF or ? Sorry i am just recently graduated and interested in having a credit card to ease transactions. Thanks.

your basic salary * 12

1. Annual Income:RM33k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Movies and Minor Shopping
4. Existing credit cards if any: None (First time applying)
5. Preferred Bank or Considering CC from banks: Maybank, Citibank and others if applicable
6. Others: Applied Maybankard 2 and Citibank last few months ago and assume unsuccessful after so long no reply, and friends who apply together at that time got their cards already.
7. Estimated Spending per month with the card: Less than RM 500

my fren apply one sc card they give 2 card, one got cash rm 200... another one apply 3 card got rm 600 cash...

Yah Maybankard 2 Cards (if you pump at Esso or Shell) and Citibank Clear Card (fre movie tickets every Fridays and Saturdays) looks like good for you. Since you apply for it before, why don't you call the CS and ask. Or just go to 1U Maybankard Centre to apply for it and you know on the spot.

You can also try UOB One Card Classic (need to swipe 60 times to get the following year annual fee auto waived) where you earn 5% cash back for all petrol stations and also cash back for GSC.


apply 3 cards including Plat online can get more than RM600

how to get and how much? the agent called me said max apply 3 card get rm 600 but deduct gst for 3 cards become rm 450...

http://www.standardchartered.com.my/person...-conditions/en/

The Maybank AMEX card has 5% cashback. In this case, wouldn't Citibank/Standard Chartered cards be better when used in dining outlets which offers 10-20% off the total bill? I hardly ever see any special discounts for Maybank card holders (not considering the 5% cashback).

Hi, would appreciate if you could advise me on the below.

1. Annual Income: RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Example Petrol, Cash Back/Rebate Only, Overseas Transactions

4. Existing credit cards if any: List them or Nil.

5. Preferred Bank or Considering CC from banks: None

6. Others: Actually I'm going oversea, I need a CC to pay my accomodation as I dont think I will bring a few thousand cash with me..

Hope to hear from you soon.

Thanks!

Please differentiate between discount at selected merchants and card feature. You go to a restaurant that does not offer promotional discount to SCB card, you will get less than MBB 2 AMEX. Just because you hardly see discount for MBB card holders doesn't mean there is no discount. For example did you know that Shook Starhill, the MBB 2 AMEX plat cardholders enjoy up to 50% discount? Of course, if you frequent a restaurant that offers 20% discount with SCB CC, no brainer, go get the SCB card Anyway, the point of having MBB2 Cards is that it offers 5% plusr 5X TP for any transaction, your SCB don't give you 5% cash back on Saturday night at Tesco or for paying your Telco bills


For your case, try click here and rad my review of Maybankard 2 Cards. The card is Free for Life without conditions. It earns you 5X Treats Points AND on Saturdays and Sundays it earns you 5% cash back for any transaction. Only thing is where you pump petrol, if you pump at Petronas then most probably the MBB 2 AMEX not accepted.

Fast fast go apply for MBB 2 Cards, they having promo RM100 Bonus Cash Back for New Approved Maybankard 2 Cards cardholders.

If you in Klang Valley, go to 1U (Saturday Morning also can) and apply for it on the spot.

If rejected that go apply for UOB One Card (click here to read about it) which is great for petrol because you earn 5% cash back everyday. But note, for the classic card, you need to swipe 60 times for auto annual fee waiver (first year should be free and you should get some freebies).

hi Gen_X

Maybank called me up and offered me their Maybank2 cards, I just accepted it. But I have not much for it as I pump with petronas and pay utilities bill.

Need to checkout whether does giant have cash back for my amex or not.

Yes Giant, Careefour, Courst, Tesco, JJ and anywhere that accept AMEX anywhere on earth And you get 5X TP too. You should read my review Maybankard 2 Card review and benefits . In my blog I even did a comparison versus Citibank Cash Back Plat. The Maybankard 2 AMEX 5X TP is much much better than Citibank Cash Back 0.3% for general transactions. Noted you mentioned you have the Citibank CAsh Back at MBB 2 Thread.

http://forum.lowyat.net/topic/2035710

Also ask them if you qualify for the RM100 bonus I mentioned above

This post has been edited by Gen-X: Jul 4 2012, 03:59 PM

For your case, try click here and rad my review of Maybankard 2 Cards. The card is Free for Life without conditions. It earns you 5X Treats Points AND on Saturdays and Sundays it earns you 5% cash back for any transaction. Only thing is where you pump petrol, if you pump at Petronas then most probably the MBB 2 AMEX not accepted.

Fast fast go apply for MBB 2 Cards, they having promo RM100 Bonus Cash Back for New Approved Maybankard 2 Cards cardholders.

If you in Klang Valley, go to 1U (Saturday Morning also can) and apply for it on the spot.

If rejected that go apply for UOB One Card (click here to read about it) which is great for petrol because you earn 5% cash back everyday. But note, for the classic card, you need to swipe 60 times for auto annual fee waiver (first year should be free and you should get some freebies).

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Whoa! Thank you for your prompt response and valuable advise. Thanks alot! Appreciate it!

1. Annual Income: RM33k to RM40K

2. Free Lifetime Annual Fee: with/wo

3. Card required for: Random Shopping, petrol rebates and rebates =D

4. Existing credit cards if any: None and also 1st time applying

5. Preferred Bank or Considering CC from banks: Maybank, Citibank and others if applicable

6. Others: none

7. Estimated Spending per month with the card: RM1k-2k

any great cards to recommended ? thinking of taking up citibank shell credit card =I

This post has been edited by jarod89: Jul 8 2012, 03:33 AM

Noted you interested in the CB Shell CC. Click below link where gerrardling have shown the net cash back and you get less in returns when you spend more with it

http://forum.lowyat.net/topic/1798403

Also noted you spend up to RM 2K (when your income only about RM3K per month ???), so you may or may not need to have more than one credit card to maximize cash rebate.

First card to get is the OCBC Titanium MasterCard which earns you 5% for Petrol, Dining and Telco Bills. Annual income requirement RM36K/year. The reason why I mentioned you need to get more than one card is because this cash back for the OCBC TMC is capped at RM50/month. So if you do spend RM1K on expenses that earn you 5% cash back, you would have hit this said cap.

So, assuming you hit the monthly cap of RM50 cash back, next card to get is the Maybankard 2 Cards where you earn 5X TP every day PLUS 5% csah back on Saturdays and Sundays. And the MBB 2 AMEX should be accepted at your Shell station.

With the combination of the two cards mentioned above and RM2K spending, you can earn up to RM100 cash back per month ( and that's not including the Treats Points you can earn with the MBB2 AMEX) with proper planning

So go apply for the above mentioned cards concurrently.

However, don't be disappointed if your application is rejected if you don't have any credit history. People with many credit cards for years also got their application rejected by OCBC. In the event OCBC rejects your application, get other credit card first and after 6 months to a year, when you have a good credit history, then you would have no problem getting the OCBC TMC.

And since you are new to credit card - suggest you read my articles for beginners by clicking here to the prelude.

Gen-X

your reply has cleared my doubts i must say yr explanation and link http://forum.lowyat.net/topic/1798403

has given me a deep inside on citibank shell card.

about my annual income I also have OTHER incomes which generally i took into account only my fixed salary

over all OCBC Titanium MasterCard seems to be the best choice I shall try to apply for it *fingers cross =)

Thanks for your advice once again =)

I have sent the email to apply it. RM100 bonus, so nice.

Bro, one of the many conditions is that you must be the first 3390 person to swipe RM800.

Click here to read more about 20% Cash Back with AMEX and RM100 Bonus for New Applicants.

And with many people applying for the AMEX on the spot last week at Treats Fair, I wonder how many swiped RM800 or more during the fair.

Hi all,

Which credit card offers the best cash rebates without lengthy terms and conditions in order to get the rebates? From my survey it looks like OCBC Titanium Mastercard:

http://ocbccards.com.my/Titanium_Master_Card.aspx

Is there a better one?

Thanks in advance.

Spot on but bear in mind the 5% rebate is only applicable for dining, groceries, utilities and petrols, capped at RM50 per statement month.