What are you trying to say with "who been swap it for more than 10k"?

I need to correct you - VISA and Mastercard acceptance is the same in Malaysia. All card terminals issued in Malaysia generally accept both Mastercard and VISA. Unless you are a jet setter who travels to exotic countries some where in the world where they do not accept Mastercard and/or VISA. And I'm not talking about China - I do know in China sometimes they don't want to accept Mastercard and VISA in favor of their own local card - UnionPay.

This post has been edited by hye: Oct 15 2012, 07:27 AM

Thanks for the reply Hye! Sorry, bad language ...it is swipe instead swap

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Added on October 15, 2012, 11:54 pmThe Agent now approach me on HSBC Visa signature and say the existing point from classic card can be carry over and each ringgit spend will get 5x points...now sure if that's true ...

This post has been edited by alvincks: Oct 16 2012, 12:04 AM

The idea is to keep your cards secure and never let anyone use it.

Dont let the name and perceived status of the card distract you. What is more important is, how are you going to benefit from the card, any card? Go through the list of benefits and so on and decide yourself whether you willing to have the card in your stable or not.

1. Annual Income: rm24000

2. Free Lifetime Annual Fee: No

3. Card required for: Cash Back/Rebate, Installment Plans

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: RHB, Maybank, Cimb

6. Others: Please be specific. Example: I want to pay amount due with my M2U online savings account.

7. Fixed expenses per month with the card: Example RM800 - RM350 petrol, RM150 groceries, RM100 Dining, RM150 Telco, RM50 movies.

Bro, unfortunately Maybank credit cards annual income requirement starts from RM30K.

For CIMB, I don't think they offer cash back cards for classic or gold, and if they do, it would be competitive.

For RHB, click here to read my review of RHB Credit Cards and maybe if you really want a RHB credit card, you can consider their Travel Money card.

I would recommend you UOB One Card based on your sending pattern. Below shows you how much cash back you can earn with the UOB One Card.

Petrol RM350 x 5% = RM17.50
Groceries RM150 x 2% = RM3
Dining RM100x 0.3% - RM0.30
Telco RM150 x 2% = RM3
Movies RM50 x 5% = RM2.50

Total cash back = RM26.30 or RM315.60/yr less RM50 GST = RM265.60/year which is not too bad.

And if you pump petrol at BHP you can eaqrn another 2% SMART$ Cash and at GSC 5% SMART$ Cash.

You can also look into MACH by hong Leong Bank which you do qualify; but since Petrol is your main expenses, the MACH may not be useful to you unless you start to eat out more often.

Once your income touch RM30K/yr go look into Maybankard 2 Cards and at RM36K/yr go for OCBC Titanium MasterCArd.

This post has been edited by Gen-X: Oct 18 2012, 01:59 PM

What if i am looking at installment plan?

Maybankard is the best.

UOB does have installment plan but it is not 0%

And with your current income, best you save money instead of purchasing stuff with installment plan. Click here to read my article, 0% Installment Plan Is A Trap.

TQ for ur opinion and advice..really help me a lot

What about HSBC Gold Card?

RHB UPDATE
RHB just Relaunch their EVO Credit Card.. .
Any New Approval Card will get Offer of: 0% Finance Charges for 1st 6 Months OR $50 Cash Back Activation Programe(till 17 April 2013)
50% Cash Back on Movie Ticket Purcheses(till 18 Dec 2012), Cash Back capped at $50

Key Benefits
. 20% Cash Back* on selected Amusement & Entertainment MCC categories (ie. cinemas, ticketing agencies, bowling alleys, commercial sports, tourist attraction, amusement park and much more)
. 2x Reward Points for all E-commerce transaction and RHB Now bill payment
. The Lifestyle Card which offers “Free for life” concert ticket up to RM 200. [Maximum redemption of 1 ticket per year (worth up to RM200) with minimum spend of RM 20,000 during programme period]
. Stylish and attractive new card face design in conjunction with the relaunch
. Card annual fee waived with minimum of 12 swipes per annum
Notes:
* Maximum cash back is RM50 per month, per customer.
No RHB Reward Points awarded for transactions entitled for Cash Back.

For Further Details: http://www.rhb.com.my/cards/credit-card/cc_evo_main.html#

This Card Benefit Similiar With Hong Leong Mach Card was an Entry Card targeting Fresh Graduate just yang baru keluar Kerja...
(There will be Cat & Dog Fight Between RHB & Hong Leong Bank....soon)

Which ONE is Better, Any Comment ...???

This post has been edited by fly126: Oct 19 2012, 11:45 AM

Is the entitle valid for online booking as well?

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Added on October 19, 2012, 9:58 amJust get confirmation that this card can't use online to buy movie ticket. You are not entitle for the 20% cash back if you buy online. that is bad.

This post has been edited by PPZ: Oct 19 2012, 09:58 AM

HSBC Gold Card (Reward Point Card) Benefits not Attractive... Compare with RHB Travel Money, Hong Leong Mach OR Citibank Clear Card...
If you really need HSBC Card better you get their HSBC Amanah Gold is a Cash Back Card which can Earn You 0.5% Cash Back on Your Retail Expenses...

Hi all,
Looking for a credit card. Any recommendation?

1. Annual Income: RM30K to RM36K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Mainly hotel booking and air ticket purchase, Petrol, Others is a plus..

4. Existing credit cards if any: Nil.

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

6. Others: Preferably pay with my M2U online savings account.

7. Fixed expenses per month with the card: RM300 petrol, , Hotel:RM400, RM200 Dining..

8. Non-fixed expenses but recurring in RM: None..

Thanks..

Hye im new and in need of suggestion from u all,

1. Annual Income: RM30K
2. Free Lifetime Annual Fee: A Must
3. Card required for: F&B, Groceries, Petrol, Cash Back/Rebate Only,
4. Existing credit cards if any: NIL
5. Preferred Bank or Considering CC from banks: Nothing specific
6. Others: Cash back preferred.
7. Fixed expenses per month with the card: RM400 Petrol,RM400 Food & Beverages
8. Non-fixed expenses but recurring in RM: Online shopping (Local & Internationally)

Tq

I recommend the maybank 2 cards.
5% cashback (max Rm50 per month) for weekend transactions for AMEX.
5x points everyday for AMEX
Note, AMEX is not accepted as most petronas stations.
The visa/mastercard gives competitive overseas exchange rate.

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Added on October 22, 2012, 11:50 pmhttp://forum.lowyat.net/topic/2434771
sse first page for more info

This post has been edited by Human Nature: Oct 22 2012, 11:50 PM

Thanks for the recommendation, I was thinking bout AMEX too, and i am not an Petronas user, haha..

For hotels booking, do check out the Agoda promo by maybank too! can find it at their promo website.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: F&B, Petrol (SHELL), entertainment (movie), hypermarket (tesco or Jusco) & clothes

4. Existing credit cards if any: standard charted cc

5. Preferred Bank or Considering CC from banks: -

6. Others: Cash back preferred, but will consider point if come together

7. Fixed expenses per month with the card: RM1000-1500

Above detail is asking from my friend who is the girl

Appreciated if anyone can advice on this

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: No if possible.

3. Card required for: Petrol, Little bit of groceries and bill payment, shopping, buy new smartphone, hotel booking.

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Maybank, OCBC, CITIBANK or others.

6. Others: I am a light user. I want to have a cc mostly to avoid bring a lot of cash and hate to cash out at ATM machine frequently, with cc only need to pay once a month.

7. Fixed expenses per month with the card: RM350 petrol, RM200 groceries & shopping, RM200 Telco.

8. Non-fixed expenses but recurring in RM: up to RM 3K gadget per year, up to RM2K accesories per year(watches,perfume,others)

how hard is it for banks to approve our application? and how long would it take? ive just send in my application to the bank today..hopefully everything is in other and get approved soon..hehehe!