Maybankard 2 Cards where you can use your Visa or Master for places that does not accept AMEX.
or UOB One Card wher you get 5% cash back for petrol everyday day. I guess if you do spend RM3K , can consider both cards to earn max cash back. However, you spending RM3K is too much if you ask me considering your income. Just like my comments to ncbf, you better not get a credit card
Tai Thong accept AMEX but if you got Citibank and CIMB, you get discount.

Get the UOB One Card where you will earn 5% cash back for petrol Go read more about it at UOB Thread.

Maybankard 2 cards would be good for you since petrol is not a priority and thus you can get more cash back on any transactions on weekends. Try apply for it even tho the minimum annual income requirement is RM30K. Many merchants do offer 0% installment for MBB cards. AS for discount for food and outlets, I suggest you go check out CIMB, HSBC, UOB and Citibank cards and see which card offers you discount at places you spend your money. If you cannot qualify for MBB 2 cards, the only option with your income is UOB One Card but the cash back is not that great for online and non petrol and non groceries transactions.

Lately, many people here earning less than RM3K/month stating they spend RM3K a month Having a credit card can make you overspend and entices you to spend on things you otherwise cannot afford. I highly recommend you guys who are spending more than your monthly salary and wanting to do installment plan read my following articles.

Guide to my articles in my blog.

Credit Cards are Cash Cow for Banks. Are You working for the Banks?

I happened to just write an article on CIMB and Maybankard 2 Cards approval within a day. Click here to read about it.

Below is what is stated in MBB site:

If you are an expatriate:

Letter from employer confirming duration of employment contract in Malaysia. Note: You must be a Maybank account holder.

**Edited**
Altenatively you can get a debit card from your bank. Get to withdraw cash overseas too from ATM machines without daily interest charges but 1 time fee.

This post has been edited by Gen-X: Jul 24 2011, 09:07 AM

You can either get UOB One Card where you earn 5% cash back for petrol everyday up to RM600 or cash back RM30 or Maybankard 2 Cards where you use the Amex for petrol and the visa or MasterCard for online transaction since. Go to UOB and MBB 2 threads to read more.


Putting the Education Bill aside because it should be more than RM1K, the card for petrol and dining is OCBC Titanium MasterCard where you get 5% cash back. Or get Maybankard 2 Cards and get 5% cash back plus 5X TP for the AMEX and where AMEX not accepted you got Visa or MAsterCARd.

For education, there is an OCBC card that earns you 1.5% cash back. But read thier terms and conditions carefully. If the Education bill is alot and you want installment plan, CIMB and RHB currently offer 0% plan. click here to read more about OCBC Great Eastern CArd at OCBC site.


Both of you: click here to read my article on UOB One Card and I have 2 tables showing comparison of cash back cards.

IF you are saying that you are going to have outstanding balance and paying interest, then I will say NOT a good practice.

My recommendation is always pay in full your credit card bill prior to Due Date and not pay a single sen of interest. If you follow this principle, you will never end up in the siht hole.

As for installment plan, most cards offer some kind of plan where you can convert your transaction to a installment plan with upfront interest of 1% or monthly interest but the duration is usually 12 months (in CIMB case 10 months 0% for education and insurance).

For your case, RM1.7K is not much, what you should do is pay in full for the coming semester and then start saving for the next term tuition fees.

I recommend you read my article Credit Cards are cash cow for banks. Are you wroking for the bank? -

Just for your info, CC interest rate for new holder is 17.5% which is much higher than 6% from ASB.

Bro, go calculate the amount you can get with OCBC, UOB and MBB 2 AMES like what I did in my table and see which car benefit you most. For insurance, OCBC will give you 1% cash back, MBB 2 Visa or MasterCard 0.5% in terms of vouchers (most insurance company do not accept AMEX except Takaful) and UOB 0.3%. Just have to remeber that OCBC cash rebate is capped at RM50. But for petrol, OCBC better as we get 5% cash back everyday and accepted at Petronas (which is good if we go outstation along the highways).

Actually, I would say OCBC better than UOB if your expenses is like less than RM1K per month. How come I did not recommend to you earlier Swipe 12 times annual fee waive and spend RM10K GST absorb.

Seriously, Visa nad MasterCard no diff in Malaysia as far as merchants acceptance is concerned.

This post has been edited by Gen-X: Jul 24 2011, 04:27 PM

For 0% installment, check with the merchant that you frequent on what cards they accept for 0% installment. Harvey Norman and Courts accept most Major Banks credit cards for installments. However, I would thing that Maybank cards are most widely accepted for 0% installment plan.

click below link to check out Maybank Ezy Pay partners. but just to let you know, if you opt for installment plan, you may end up paying higher. Always ask if you will get discount if you swipe in full.

must be our newbie Mod click on the wrong button, hahaha

This post has been edited by Gen-X: Jul 26 2011, 05:28 PM

True, many people just plain lazy to go read previous post. Maybe I should like compile the frequent cases in the first post.

hahaha. That's true too. But I think it will make our life easier, we just type Please Read First Post.

OCBC Titanium MasterCard where you get 5% cash back for petrol, dining and utility bills.

OCBC Titanium MasterCard for your utility bills including ASTRO where you get 5%. For seasonal Parking, I guess your SCB would reward you more but that card not auto annual fee waiver after the promotion period.

As for installment, go check the MBB link, I think posted in few posts back or just go to Maybank website --> credit card --> benefits --> Ezy Pay. And also go check with the merchant that you thinking of getting your electrical goods from.

1) My bad, I thought SCB Bussiness giving more than 1.5% If 0.5%, definately OCBC TMC better with 1% cash back for non Petrol, Dining, Groceries and Utility bills..

2) Yes, DiGi autodebit you'll get 5% cash back.

Check out Maybankard 2 Cards, the MBB 2 American express earns you 5X Treat Poitns everyday and 5% csah back on weekedns capped at RM50/month. By spending RM2000, you will get 10,000 TP which can offset GST. Cards are Free For Life. Click here to read my article on MBB 2 cards.

You can also check out UOB One CArd, minimum income RM24K, main benefit is 5% cash back petrol and groceries but may not be so useful to you. Read the post there, 1st year can get GST waived. Click here to read my article on UOB One Card. Need to swipe 12 times for annual fee waiver.

OCBC Titanium do waive GST if you spend RM10K per year. This card is good where ou get 5% for utility bills and dining besides groceries and petrol. However, annual income requirement is RM36K. EON bank had a promotion where if you swipe 36 times they waive the GST, not sure still applicable.

hahaha, just the way I described Gen Y - product of our education system, just want fast answer without working for it.

I guess for your case I'll make it short - Maybankard 2 Cards Gold. If you want it fast, go to Maybank 1U or KLCC card centre. Want more info, go read below article, that is if you free and no headaches
http://creditcardsmalaysia.blogspot.com/20...-cimb-visa.html

And by the way, can you pay your PTPTN loan with Credit Card?

This post has been edited by Gen-X: Aug 3 2011, 06:26 PM

Cash back cards for you would be either UOB One Card (min RM24K) or Maybankard 2 Cards (Min RM30K).

You have to note for UOB One Card, you do earn 5% cash back for groceries but only earn 0.3% cash back for online transactions. And if your online transactions are overseas related, UOB rate is higher than Maybank Visa or MasterCard.

So if you are earning close to RM30K, I guess Maybankard 2 Cards would benefit you more.

I guess you did not read previous posts where it was replied many times you got to decide you want cash back or air-miles. Do a search on "air miles" to read some of the relevant post. And presently no cash back credit card allows free access to airport lounges.

For cash back and mainly petrol, you can choose between OCBC Titanium MasterCard, UOB One CArd and Maybanard 2 CArd.
Click here to read my article on UOB One CArd where U have prepared a table comparing cash back cards.

Having said above, do check out RHB Travel Money card where they do give cash back for petrol and your points are redeemable for airmiles. Click here to RHB site to read more on the card)

For LCCT access, please go to this thread on airport lounge or or click this link to read my article. Read it and you'll know that the Alliance Debit Card that gives 1.5% cash back do grant you free access to LCCT PPL but there's a monthly quota.

+1

This post has been edited by Gen-X: Aug 4 2011, 06:32 PM

I have to agree with chemistry that Maybankard 2 Gold Cards.

However my reason for recommending because Maybankard Visa or MasterCard overseas conversion rate is the lowest. And for local use, you get 5X TP and cash back with the AMEX.
As for chem saying that "Since your spending is claimable, so the 2.5% conversion factor for using Amex overseas is not an issue anymore", this is ethically wrong as far as I am concerned. Knowing that the AMEX rate is higher and thus incurring more cost to the company, one should not use it and get the 5X TP for personal gain.

if you go to TGV, get Citi Clear Card. If you go to GSC, then get UOB One Card.