If you do pump at Petrol Station that accept AMEX (e.g. Shell or Esso), do look into getting the Free For Life Maybankard 2 Cards where the AMEX earns you 5X Treats Points everyday and EXTRA 5% cash back for any transactions on Saturday and Sunday.

Also check if the hospital your wife you going to deliver your child accept AMEX or not. If no, still got the MBB2 Visa or MasterCard except that you only earn 1X TP

However, if you cannot pump petrol on weekends or or pump at Petornas (where most do not accept AMEX), then consider getting the OCBC Titanium MasterCard which earns you 5% cash back everyday for Petrol, Dining, Telco Bills (please click here and read OCBC Thread) where you may not get 5% if you pay at Maxis Centre), Utility Bills and for Groceries.

And FYI- you cannot use credit card to pay your housing loan.

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Overseas Transactions, Dining Offers.

4. Existing credit cards if any: N/A.

5. Preferred Bank or Considering CC from banks: HSBC, Standard Chartered, Citibank. (Or if you have better recommendation)

btw, how many mths of payslip is required? cause i just started working for a month only

1. Annual Income: > RM100K

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Business Travel Oversea

4. Existing credit cards if any: Maybankard 2 Cards, OCBC Titanium

5. Preferred Bank or Considering CC from banks: None

Thinking to getting another card for travel purpose, pls recommend sifu!

Edited: Looking at Citibank Business Platinum Card now.

This post has been edited by hcstwb: Nov 7 2012, 10:38 AM

1. Annual Income: 36k

2. Free Lifetime Annual Fee: dont mind

3. Card required for: 0% interest installment plans

4. Existing credit cards if any: none

5. Looking at CC from: dont know

You need 3 months payslips usually.

And since you did not post item 7, i.e. your spending pattern, can't really give you a good recommendation since I cannot get an idea on the returns you may get. For general cases, you can get some ideas from my articles below:

The Best Credit Card for Petrol 2012

Click here to read my article Dining Promotions with My Credit Cards.

Maybank credit cards are good for overseas transactions whereas the card you want from HSBC, Citi and SCB would have higher overseas admin fee. Click here to CC Foreign Exchange Thread to learn more.

And since you are new to credit card, I suggest you check out my series of articles under my Credit Card Tutorial Page.

And since you want a Standard Chartered Bank credit card, go to their website and check on their latest promo and you may earn FREE cash.


If you like your Maybankard 2 AMEX which earns you 5X TP everyday, then you will also like Maybankard Visa Infinite. In my opinion, if you not into Enrich Points, the MBB VI is one of the best credit card for overseas because we earn 5X Treats Points with it

Click here to read my review of the Maybank Visa Infinite. So far, for my overseas transactions, after I consider the 5X TP (equivalent to 2.5% returns), I am actually paying less than Forex spot rate

The Free For Life Maybankard 2 Cards. Reason being many merchants accept Maybank Visa or MasterCard for 6, 12 and 24 months 0% Installment Plans. But let me warn you, 0% Installment Plans are a traps to make you spend beyond your means. Click here to read my article - 0% Installemnt Plan with Credit Card IS A Trap.

If you can pay in full and the merchant accepts AMEX, the Maybankard 2 AMEX will earn you 5X Treats Points everyday and EXTRA 5% cash back on Saturday and Sunday.

This post has been edited by Gen-X: Nov 7 2012, 01:13 PM

Thanks for the recommendation.

wow thanks..didnt know that maybankard 2 has 0% installment plan also. u really got me on the example on ur website.haha..got cash..but prefer installment since i can save the money for other purposes.
need to think back.

1. Annual Income: nil in Malaysia, about SGD48k in sg.

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate and normal dining/shopping.

4. Existing credit cards if any: 1 supp Malaysian card, UOB One & Preferred (SG), Stanchart Plat (SG).

5. Preferred Bank or Considering CC from banks: Considering Maybank2 Plat & CIMB for their annual fee waiver. Will consider other banks too

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

7. Fixed expenses per month with the card: No fixed expenses

8. Non-fixed expenses but recurring in RM: Not specific, only for my spending when I'm back for holiday. Just wanted to get a card to avoid the conversion fees and also didn't want to use my msian supp card from parents.

I think there isn't any fixed rule on foreign income applicants, but if anyone has any experience with Maybank and CIMB would be appreciated.

Thanks

Hi, I'm looking for a recommendation for a CC that provides buy 1 free 1 @ GSC Signature tickets (I remember HSBC used to have that) and preferable discounts/rebates at coffee houses (Starbucks & Coffee Bean). It would be great if there's additional discounts at retail outlets such as Zara, etc, etc. Do note, the CC will only be used for the above and not for groceries or petrol.

Currently listed down to the Citibank Clear Card. However, the buy 1 free 1 tickets are only valid @ normal GSC. Furthermore, they're only valid on Fridays. On the plus point, there is a buy 1 free 1 for Coffee Bean beverage though.

Would appreciate any feedback, thanks in advance!

I don't think there are any credit card that offers Free Movie ticket for GSC Signature unless there is a limited time promotion (e.g. Previous offers by AMEX Plat and OCBC).

However, you can get cash back up to 20% with the revamped RHB EVO Visa or MasterCard. To learn more on card for movie tickets, check out my article below:

Click here to read my article - The Best Credit Cards ofr Movie Tickets.

Thanks for the link mate! I took the liberty of reading all your blog posts and it's very informative.
I've decided to settle for the Citibank Clear Card.

1. Annual Income: above RM38k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Unlimited Cash Back/Rebate Only for all retail transactions

4. Existing credit cards if any: MBB 2 & SCB business platinum

5. Looking at CC from: Any

6. Others: I want cash back/high rewards pts for all retail transactions. Better if is straight cash back. If reward pts value is higher than cash back, I'm ok also.

Bro, looking for a card to replace you SCB Biz so fast

If you had read Petrol Thread, MBB Petronas Visa until Feb 2013 earns the card holder minimum 5X TP everyday which is really good.

However, above is for limited time, as for unlimited straight cash back - HLB Essential with 1% cash back comes to mind.

If you spend between RM2K to RM5K per month, Alliance Plat is really good and got Unlimited entries to KLIA PPL with it.

Anyway, click here to read my previous article at My Credit Cards titled Earn Pocket Money with Your Credit Cards where I gave different scenarios for different spending pattern.

Haha.. You can read my mind bro!

I want this card for normal transactions other than petrol, groceries and Telco as I paid these 3 categories with mbb 2 amex. So looks like Hong leong essentials/fortune fit me the most. However, based on the feedback from forumer here. I really scared of their CS... =.=

The different btw essential and fortune is how u get the cash back? Anyone know how to withdraw cash back in fortune cards?

Btw, did Hong leong essential/fortune provide GST waiver/offset?

This post has been edited by celaw: Nov 13 2012, 01:14 AM

hello GenX sifu, i also went and read your blogs about cc.Very good info there.

But i cant find your review on current MBF platinum MC Any where you have info on this card and how best to get benefit from it?

of course i have read from MBF website but i still think your review gives more details and first hand info, TQ

Hi. I would like to get some recommendation for CC.

1. Annual Income: around RM33K

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Mostly petrol and cash back.

4. Existing credit cards if any: nil.

5. Preferred Bank or Considering CC from banks: OCBC titanium, maybank Amex or you recommend.

6. Others: Nothing.

7. Fixed expenses per month with the card: petrol around 200, dining 200, movie 50, others 100

8. Non-fixed expenses but recurring in RM: nothing yet.

Thanks in adv.

Bro, MBf cards does not interest me and therefore I have never done any article on them. Just put it this way, you hardly find anyone mentioing MBf cards here except for a few of them who has MBf Premier cards.

For your case OCBC TMC best but you income slightly below the required amount. You can try apply for it OR maybe wait till next year and see if you got increment

The FREE For Life MBB 2 Cards may also be good IF the petrol station you pump with accept AMEX. MBB Treats Points are everygreen.

Click here to my article on MACH by HLB. I am not asking you to get the MACH but refer to the table I have prepared comparing the cash back you can earn from various cards. And also see if the UOB One Card is worth your time.

Will it hurt if we get rejected for CC application?

Hi guys, do you know which card offers buy 1 free 1 promotion other than RHB cards?

Hi guys,wanna ask about putting fd and get a cc..hv u all heard bout this?