We had discussed this card before.
You need to spend 8 time rm88 in order to get 8% cashback. T&C are not so favaorable to us.

1. Annual Income: RM30k+

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, online transactions, backup for cash,

4. Existing credit cards if any: Currently using EOB GSC VISA

5. Preferred Bank or Considering CC from banks: Prefer Banks with more facilities, such as cash deposit at major cities.

6. Others: Please be specific. Currently working in district area, Jerteh (TERENGGANU) where major international banks are not available here. I am from PG, will go back at least once a month. However, dislike to travel long distance just to deposit money.

7. Estimated Spending per month with the card: WHEN NEEDED. ard <1k i think.

1. Annual Income: Roughly RM36k

2. Free Lifetime Annual Fee: Preferable

3. Card required for: List all your needs. Cash Back/Rebate Only, Insurance payment, Retail, Cinema (Very important since am a frequent cinema goer, prefer if there are lots of promotions on this), once in a while installment payments for gadgets, treat points

4. Existing credit cards if any: Maybank Card 2 Card

5. Preferred Bank or Considering CC from banks: Considering Citibank Clear Card

6. Others: I am happy with Maybank's customer service, but I don't seem to enjoy a lot of promotions with Maybank credit cards for retail and cinemas

7. Estimated Spending per month with the card: Roughly RM1.5k

1. Annual Income: RM28K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, online transactions, backup for cash, buy goods,

4. Existing credit cards if any: -

5. Preferred Bank or Considering CC from banks: pb bank.

6. Estimated Spending per month with the card: WHEN NEEDED. ard <1k i think.

Maybankard 2 Cards if your petrol station you pump with Accept AMEX. Most Petronas do not accept AMEX but a member from Kelantan did report the the AMEX can be used inside the counter at Petronas stations. Click here to read more on the Maybankard 2 Cards.

So if you pump at Petronas a lot, say on the way back to Penang, then consider the Maybank Petronas Visa.

Also click here to read my latest article on Mach by Hong Leong Bank where I have prepared a comparison table for various Cash Back Credit Cards which includes Petrol as an example.

If there is an OCBC back near your place, you should consider the OCBC Titanium MasterCard which is great for Petrol, Dining and Telco Bills.

For Cinemas, you on the right track with Citi Clear Card except that it is not a cash back card. FYI Treats Points is only for Maybankard credit cards. The other cards that reward the customers with both cash back and reward are SCB Business and Alliance Credit Cards. The Citibank Clear Card standard feature includes Free 1 for 1 Movie Ticket every Fridays at TGV, GSC and Cathay. Citibank credit cards until end of the year are eligible for 1 For 1 Free Movies ticket at TGV and on other days you get the ticket cheaper. Actually, I use my Citibank Platinum today to get 2 Free tickets when I bought 2 tickets for Spiderman (total 4 for price of 2) at TGV

Except for Citi Clear Cards, most cinemas 1 For 1 Free ticket promotions are for limited time only. So you go sign up for a card today but 6 months later the card may no longer offer any more promos for cinemas.

Anyway, here are current 1 for 1 Free Movie Ticket offers for cinemas

Citibank Credit Card Promotion Free 1 for 1 Ticket and discounted ticket at TGV until end of the year.

Free 1 for 1 Ticket at GSC with MasterCard Debit Cards everyday until end of September or when allocation fully taken up.

Free 1 for 1 Movie Ticket at GSC with RHB Credit or Debit Cards every Friday until end of the year.

Cash Back for movie tickets with credit cards

UOB One Card 5% cash back at GSC.

Mach by Hong Leong Bank 10% cash back for all cinemas with MCC Code 7832

Discount at GSC - HLB GSC Credit Card

As for insurance, if your new credit card can offer you more than 0.5% in returns (based on your MBB 2 non AMEX card 1XTP converted to cash voucher), then use it over your non MBB 2 non Amex card.

For promotions, you got to go to each bank website and check out yourself what can benefit you.

Click here to read my article on Entry Level Credit Cards where I mentioned about PB cash back of 0.3%

Since you income close to RM30K, try apply Maybankard 2 Cards, click link above for more info.

If Maybank rejects you, don't be disappointed as nowadays they kind of strict, wait till you earn RM30K apply again. If this is the case, for the meantime go apply the
UOB One Card which offer 5% cash back for petrol.

This post has been edited by Gen-X: Jul 14 2012, 10:45 PM

Gen-X thankyou every much~~if i work at singapore.
Month income is about SGD1150 DOLLAR.plus commission is about 50 dollar~~so is about SGD1200 dollar...
like that can apply or not??And i just hv public bank account and alliance bank account only~~

This post has been edited by DavidGan5015: Jul 14 2012, 10:57 PM

Bro, go ask the banks which issue credit cards you are interested in on what documents they need. Some cards can apply online too.

For Petrol - I don't think you will earn anything with PBB cards but the Aliance credit card you do earn cash back but no reward points.

This post has been edited by Gen-X: Jul 14 2012, 11:28 PM

thank you every much~~

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, online transactions, backup for cash,touch n go,cinema.cash rebate

4. Existing credit cards if any: No

5. Preferred Bank or Considering CC from banks: Anything

6. Others: Please be specific. Currently working in Private IT company cisco partner, lot of traveling and belanja client, hope can get benefits apart from claim the spend from my company

7. Estimated Spending per month with the card: WHEN NEEDED. ard <1k i think.

Maybankard 2 Cards if your petrol stations you pump with Accept AMEX. As for touch and go, they only accept Visa or MasterCard, therefore you will earn 1X Treats Point only for every RM1, which is not too bad where you get approximately 0.5% when you redeem for cash vouchers. For cinemas, click here to see list that accept AMEX.

And if the places you entertain your clients accept AMEX, you will see you Treats Points accumulating very fast with 5X TP.

Click here to read more on the Maybankard 2 Cards.

If you really into movies, check out few posts above where I listed out cards that are offering Free 1 for 1 Movie tickets.

However, since you travel a lot, most probably you can't wait till weekends to pump petrol to maximize returns with the Maybankard 2 AMEX. If that is the case, the only other card that you earns you (based on your annual income eligibility) 5% cash back for petrol is UOB One Card, that is if your petrol is less than RM400/month, and if you pump at BHP you get extra SMART$ cash (also use the petrol station reward card) ; at GSC you get cash back too.

My basic RM2.5k + OT and allowance = RM4.2k before EPF, Socso, and tax deduction. After deduction for EPF, Socso and tax is around RM3.8k. This does not include my commission average RM400 per month.

Do you think I able to get Maybank 2 card if I apply it?

RM2.5K per month = gross RM30K/year. Yah. you meet the minimum income requirement for the MBB 2 Cards.

Hi Gen-X, seems like except for Citibank Clear card, it is not worth to apply for other Citibank cards just for the cinema promos. Is Clear Card cinemas promo will last for a long time?

I am thinking whether to get the cheaper movie tickets are worth the annual fee and the GST

If you go to the cinemas with a partner every Friday of the year and use the Citibank Clear CArd to purchase ticket costing RM10 (it will be more), that's savings of RM520

and then on every Saturday until end of this year, you go to TGV, still can save around RM200

If you go cinema alone every Friday, buy the Free 1 for 1 ticket and sell it to to someone in the line for 50%, you still save RM260

Anyway, not sure about the Clear Card for Fridays, you got to go read the T&C, but on Saturdays at TGV until end of this year, you are entitled to buy up to 2 for 2 free tickets

Annual fee I guess first year free and you can ask for waiver for subsequent years. As for GST, you will start saving money once you utilize the Free 1 for 1 movie ticket more than 5 times (or maybe even after 2 times).

This post has been edited by Gen-X: Jul 17 2012, 11:33 AM

Oh, we can apply for waiver for subsequent years? Am newbie to credit card, just started working not too long ago. Thank you so much for the information, it has been really really helpful! Well, I go to cinemas every Friday or Saturday, so I guess it worth every penny of it!

U need to understand more abt the product before making the conclusion.

Anyone can say anything in this thread. While you could give more weightage to contributions/advise from the seniors, it is advisable that anyone here to take personal initiative to understand the product and what you are getting/signing yourself into.

You are responsible for your own decision, action and consequences. Please don't treat this forum as a place to get spoon fed like a baby.

1. Annual Income: RM37k (written in EA form)

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Groceries, Utilities, Petrol, online transactions, shopping, backup for cash,

4. Existing credit cards if any: Maybank2Card Amex + Master

5. Preferred Bank or Considering CC from banks: OCBC TMC

6. Estimated Spending per month with the card: around 1k

6. Others: Plan to use it @ whatever place I cannot uses AMEX , pump petrol on weekdays, pay TNB bills

Just to double confirm if getting OCBC TMC is the best combination to use with Maybank2Card Amex

This post has been edited by normaron: Jul 18 2012, 12:22 PM

For spending RM1K or less, yes, OCBC TMC definitely a good combination with the Maybankard 2 Cards

This post has been edited by Gen-X: Jul 18 2012, 12:48 PM

Looking at your requirements, OCBC Ti is best for you. You already zero-ed in the target anyway Annual fee is waived upon 12x swipes.