1. Annual Income: RM 30k

2. Free Lifetime Annual Fee: Free better la

3. Card required for: Petrol, Restaurants, Paypal

4. Existing credit cards if any: Supplementary cards not in msia

5. Preferred Bank or Considering CC from banks: Doesn't Really Matter

6. Others: Which Credit Card offers the biggest first transaction cash back, save most money (either with points or cashback) or free gifts =D

7. Fixed expenses per month with the card: None currently

8. Non-fixed expenses but recurring in RM: petrol and toll? will be driving to singapore maybe once a month

currently only 2 mths pay slip, should wait one more month then get? No bank statements also cos all paperless is that a problem?
would like card to use in singapore also

This post has been edited by ChroniclesIY: Dec 10 2012, 12:14 PM

Ask on behalf of my sister..kindly help to recommend her a credit card based on the requirement above..

Thanks

1. Annual Income: 42k

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Petrol, Movie, Shopping, Dinning, Travel

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Any

6. Estimated spending per month (Petrol, Movie, Shopping, Dinning, Travel): RM1,500 - RM2,000

Please advise! Thanks

1. Annual Income: 26k

2. Free Lifetime Annual Fee: Prefer, or with conditions

3. Card required for: Petrol, Movie, eazy payment

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Any

6. Estimated spending per month (Petrol, Movie, Shopping, Dinning, Travel): RM300 for petrol

Since you failed to give your spending pattern, can't really recommend you a card. Generally:

For Petrol, go for UOB One Card Classic - Annual Income RM24K.

For movies - check out my article on Best Credit Cards for Movie Tickets.

RM60K for both KLIA and LCCT - Try Citibank PremierMiles Visa Signature - you get 2 free passes to LCCT with the Priority Pass Membership card.

Click here to read my article on FREE access to LCCT and KLIA.. You can consider AMEX Kris Flyer too OR American Express Platinum Credit Card.

OCBC is a fantastic card where AMEX is not accepted and like you said, it gives you 5% cash back for Dining and Petrol Everyday

Having said that, and I believe many will agree- get both OCBC Titanium MasterCard and Maybankard 2 Cards and with propoer planning, you will maximize the returns you can get from credit cards.

Restaurant discount - it's year end and many promos expiring soon. To get an idea - click here to read my article on discount with credit cards at restaurants. Check out Maybankard 2 Cards Thread on PayPal - do a serach and read first page.

Click here and read my article - Hong Leong Bnak Credit Cards, What Are They Good For?

But seriously, if you going to withdraw cash with credit card - make sure you got money to pay back because if you don't repay in full within the time frame you sign up for, the interest rate will be sky high and you'll be deeper in the shit hole in no time.

see my replies above and below. check out MBB 2 Cards.

ask her go read my blog

OCBC Titanium MasterCard and Maybankard 2 Cards.

since you do spend above RM1K per month, I suggest you get both the OCBC Titanium MasterCard and Maybankard 2 Cards. With proper planning you will get maximum cash back.

Click here to my article on MACH by HLB. I am not recommending you get the MACH but refer to the table I prepared comparing various credit cards and the cash back.

For Petrol, go for UOB One Card Classic - Annual Income RM24K.

This post has been edited by Gen-X: Dec 11 2012, 10:52 AM

1. Annual Income: RM 36k
2. Free Lifetime Annual Fee: prefer
3. Card required for: shopping, dining, online shopping,online bill paymenteg.tnb,syabas,tm,unifi,maxis,astro, air ticket & hotel)
4. Existing credit cards if any: stanchard business platinum(want to cancel due to no more rebate and increase in points redemption), MBB 2card-supplement card, hong leong gold, citibank clear.
5. Preferred Bank or Considering CC from banks: Any
6. Estimated Spending per month with the card: min 5000,max 20,000

Remark: No need to consider late payment interest rate,pay full everymonth

You get Ocbc Titatium card which can get 5% cashback on dining, petrol, bills and grocery. Others than that will get 1% cashback.
Cap is RM50 per month.

Bro, she spending up to RM20K per month, I think she needs more than just OCBC Titanium MasterCard. But then again with annual income of RM36K, besides the OCBC and MBB 2 Cards, the only card I can think that may benefit her is the HLB Essential with 1% unlimited cash back.

Need some advice again from you guys after something unexpected happened.

My annual Income: RM 60k

I already have Citibank, OCBC Ti and MBB2 card.

I maxed out OCBC card cashback and for shops that don't receive Amex I find myself with no card that offer either good cashback or good points return.

Please recommend me one. This card must either be Mastercard or Visa (prefer Visa as all my card is master ) and the spending focus would mainly be dining.

Have a look at UOB one card. I would rank it the 3rd best cashback card after OCBC ti and amex.

UOB One card scarry la... The annual fee waiver T&C is insane. And there is no cashback for Dining (0.3% only under general transactions)

HLB MACH
2. TrendSetter
- 2% Cashback on Major Style outlets: Uniqlo, Cotton On, Esprit, Topshop, Topman, Forever 21, Zara, Converse, G2000, Charles & Keith
- 1% Cashback on All tickets & hotels purchased with AirAsia
- 5% Cashback on ALL Dining outlets (MCC 5811, 5812, 5814)

Yes. I've been looking at that actually
Same thinking.. hahaha.. I am reading up on the T&C. Seems ok. 12 swipe a year for annual fee auto waive.

thank for the suggestion. But i would like to ask if the annual is 48k(put in some sie income statement), will i have more choice than hLB essential? Any special condition for the 1% unlimited cash back? my spending will be paying utilities bill online (tnb, astro,syabas,telco,tm & etc)

thanks in advance

For Astro (Just call them) and Telcos (walk in and register for autobilling for DiGi, Maxis and Celcom), they do accept AMEX so your MBB 2 AMEX with 5X TP when redeeming for cash vouchers should be better than HLB Essential 1% cash back.

For TNB, you can use your MBB 2 AMEX via Express Autopay but they limit it to RM3K per month only.

If your Syabas bill is not much, i.e. less than RM1K, OCBC Titanium MasterCard is good with 5% cash back.

Also click on below link to learn how you can pay bills using your AMEX card with M2U:

Maybankard 2 AMEX for Paying Bills Online with M2U and for TNB with Express Autopay. You can use your MBB 2 AMEX to pay for Telelkom and Unifi bills

Hi gen x,

Cannot use express autopay because is paying the office bill, which is not prefer. any idea for any other card?

What is the amount for the TNB Bill? Based on annual income of RM50K or less, I still think HLB Essential the only alternative. Having said that, go to MBB2 Thread, do a search on TNB, someone mentioned Shah Alam TNB accept AMEX.

IF you can get Alliance Bank Privilege Banking Status, their Premier debit card can earn you 2% cash back for up to RM9K/month.

Other alternative to earn extra pocket money, use HLB Essential and then go with 0% Balance Transfer Plans

Mai I ask is HLB essential better or citibank cash back better?

hi gen-x. for income is basic only or with all allowances too? great blog btw

Recommend me a CC

1.Annual income = 30000
2.Free lifetime annual fee= yes
3.Card required for=shopping,petrol,groceries
4.Existing card= CIMB touch n go

Tq