Dear Gen-X, thank you so much.

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Cash Back/Rebate, AirMiles, Overseas Transactions, emergencies, etc.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: CIMB, Maybank, OCBC & Ambank.

6. Others: Previously own RHB Evo Visa & Mastercard but max out until blacklisted. Have clear the payment on Jan 2010.

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

For petrol, cash back and overseas transaction. the Maybankard 2 Cards is good.
But since you spend less than RM1K per month, OCBC can be considered too except that for overseas transactions their rate is higher.

As for Air Miles, I think someone asked before and there's isn't one that have free annual fee. Anyone else got idea on this? Also most air-miles cards have higher annual income requirement. Are you willing to consider RHB Travel Money? click here to read more about it. this card got cash back for petrol too.

As for your credit records, it has been more than a year since you settled, do less us know if the banks reject your application.

This post has been edited by Gen-X: Apr 8 2011, 07:23 PM

Thanks for the Reply Gen-X

I also keen to apply the maybankard. Will consider on the ocbc tho.

Somewhere in july 2010, i did try to apply for a new cc. However, rejected. Maybe bcoz of my mistake to apply 3 to 4 cc at once. Thinking if 1 bank reject, then there's still others that may have chances. But it seems that the banks know that i apply a few cc & so they reject my application.

Or maybe in ccris record, due to the rhb cc card issue earlier, my record gone bad.... Do u have any opinion about this?

1. Annual Income: rm30k-36k per year

2. Free Lifetime Annual Fee: A must

3. Card required for: air ticket, online payment, grocery

4. Existing credit cards if any: Nil.

5. Looking at CC from: anybank

6. Others: Free traveling insurances, insurances on purchases goods


May I know how the free traveling insurances works? Thank you.

OCBC Titanium Mastercard, for online payment, grocery
SCB Gold, for air ticket, travel insurance, purchase protection.

I have no experience on claiming travel insurance, so can't advise you.

1. Annual Income: ......
2. Free Lifetime Annual Fee: No.
3. Card required for: Mainly overseas transactions. Locally just petrol.
4. Existing credit cards if any: CIMB Petronas Mastercard
5. Preferred Bank or Considering CC from banks: Considering I'm mostly oversea, must be able to pay CC bills online easily. CIMB is easier since already have current account there. Lounge access is NOT required.
6. Others: Mainly for oversea transaction e.g. hotels, dining, taxi, etc.. Say 10k MYR per month, which card would give me the best monetary return and how?

Appreciate the advise, and thanks.

CIMB World MasterCard (2X points) or Visa Infinite (1% cash back) where it would reward you twice your existing CIMB Petronas MasterCard (1X points) for overseas transactions.

This post has been edited by Gen-X: Apr 9 2011, 05:01 PM

1. Annual Income: SGD24K to SGD 28K

2. Free Lifetime Annual Fee: A Must..

3. Card required for: grocery, petrol, air ticket (domestic flight). Can I use the card to payback housing loan, Life Insurance,PTPTN, Car Insurance to enjoy the cash rebate

4. Existing credit cards if any: Nil

5. Looking at CC from: Any card with better cash rebate

6. Others:

Please follow template. RM only

How about CIMB do they still do fd pledge?

Please go to CIMB branch and ask and then report feed back from them here to share with others.

1. Annual Income: RM 48K to RM 56K (SGD24K to SGD 28K)

2. Free Lifetime Annual Fee: A Must..

3. Card required for: grocery, petrol, air ticket (domestic flight). Can I use the card to payback housing loan, Life Insurance,PTPTN, Car Insurance to enjoy the cash rebate

4. Existing credit cards if any: Nil

5. Looking at CC from: Any card with better cash rebate

6. Others:

NO WAY you can use Credit Card to pay those in bold

Just query why no one discuss on this cc. This cc very bad ??

this is one of the best, but not open for new applications atm

Gen-x, i'm still blur blur with the Amex Gold CC 5% cash rebate during weekend
are we getting both 5% cash rebate and 5X treat points?
or we'll only get 5% cash rebate?

and can these 2 cards be used for online transaction like buy gsc movie ticket online or buy things from amazon?

coz my friend keep on asking me not to get these cards coz he say cannot go through the online transaction one.

This post has been edited by labtec: Apr 12 2011, 02:25 PM

labtec, please note that AMEX Gold CC IS NOT Maybankard 2 American Express.

This is AMEX Gold Credit Card


The AMEX Gold CC only gives you 5X Membership Reward Points for Petrol, Groceries, Utility bills and at Bookshops.

Click here to read about the American Express Gold Credit Card.

THE card to get is Maybankard 2 Cards, picture below:



With the Maybankard 2 American Express you not only get 5X Treats Points for any transaction in the world but also 5% cash back on weekends. Click here to read more about the Maybankard 2 Cards.

labtec, if you are holding a American Express Gold CC, I suggest you go apply for the Maybankard 2 Cards where you be better rewarded with it compared to AMEX Gold CC.

As for Amazon and GSC, hope someone else can assist you as I don't do online transactions except for buying air tickets.

This post has been edited by Gen-X: Apr 12 2011, 09:36 PM

yes yes, Gen-x, i'm talking about the maybankard 2 card actually

wow, then this is the best cash rebate card already
i can get 7-8% cash rebate if buy thing during weekend which is higher than OCBC titanium (assuming i use the 5X point to change cash voucher)

which MBB Platinum Visa is the lowest for oversea transaction?