Depend on your spending pattern.

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Prefer

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

4. Existing credit cards if any: nil

5. Preferred Bank or Considering CC from banks: Any

This post has been edited by ivanting89: Dec 16 2012, 08:46 PM

Maybankard 2 Cards, go read up on it at MBB 2 Cards Thread.

If your petrol usage is more than RM150, worth to consider UOB One Card. If your income is close to RM30K, go try apply Maybankard 2 Cards where many merchants accept MBB CC for installment Plans.

And before you go sign up for installment plans, please click here and read my article titled 0% Installment Plan IS A Trap.

And since you are new to credit cards, I suggest you take my FREE Tutorial on Credit Cards and IF you do not have the cash in hand or savings, please don't use credit cards!!!

This post has been edited by Gen-X: Dec 17 2012, 09:04 AM

i applied UOB one card online, but still considering to mail other document to complete credit card application because no very convenient to pay credit card bill. for maybank 2 gold card probably doesnt meet annual income section, annual income only 26.4k if sum up my basic salary. any suggestion?

For groceries and petrol, I can only think of UOB One Card for your case. Other entry level credit cards would not earn you cash back as good as UOB One Card for your requirements.

Hi

1. Annual Income: RM42k

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Installment Plans

4. Existing credit cards if any: nil

5. Preferred Bank or Considering CC from banks: Any

Can you please recommend top 3?
Installment plan for electrical and furniture

For your case, go check out the prices of the electrical good you want and see which merchant gives you the best price and then ask what credit card they accept for 0% installment plan.

my monthly expenses as following

- TNB, Unifi, Phone bill, Astro around RM400-500
- Groceries (Jusco & Tesco) around RM500-1000
- Petrol around RM200
- others example dining, insurances, cake material, car services around RM500-RM800

for billing i will use OCBC TI
groceries & petrol if weekend will use MBB2, else will use OCBC TI, except Jusco will use MBB2
i got 2 more cards are HLB Ess & SCB Biz Plat for other expenses
now plan to cut either HLB or SCB, keep which 1 is better?

actually got 2 more cards which is CTB CBP & UOB One, plan to cut them next year.

Quite similar to my scenario also. Currently I have MBB2, OCBC Ti, SCB Plat, SCB Gold and CIMB Gold.

Definitely I will keep MBB2 and OCBC Ti.

However, SCB is willing to waive my GST and annual fees - so I will keep SCB card too.

For CIMB Gold, I just want to keep it to buy good at Airport - because this card has 10% discount.

Any comment?

SCB, I guess you have not been reading SCB Thread. Click here to read my article Standard Chartered Banks Credit Card Points Redemption Is Simply Ridiculous.. The main reason why those who wanted to cancel SCB cards decided against it is because they accepted SCB's "bribe" (cash back - more than enough to cover GST waiver) in exchanging to keep the card

I guess for you case, your concern is how to maximize the return from the RM500-800 where AMEX not accepted. Well besides HLB Essential base on this spending amount, the only other card I can think of is Mach credit card by Hong Leong Bank where they give you 5% cash back for dining. But since you are currently an existing customer of HLB, you may not be entitled to the first year annual fee waiver.

Sorry for comment that not related to this topic but just would like to confirm.

10% discount for anything at Airport? because I have bought something there and get 15% discount for using CIMB cc too

CIMB Platinum or above just can entitle 15% discount.

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Added on December 19, 2012, 7:25 pmi think i will follow your step to cut SCB card, although yours is Visa Infinite, and mine just small potato....
dining is not important for me, because i seldom eat at outside, even eat at outside also having in Chinese restaurant which just accept cash.
so i think for my current cards, HLB Essential is the best for me for other expenses except Petrol, Groceries, Utilities, Telco & those merchants not accept Amex.

This post has been edited by hooi1983: Dec 19 2012, 07:25 PM

1. Annual Income: 44k

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Petrol & Installment Plans

4. Existing credit cards if any: Cimb petronas gold

5. Preferred Bank or Considering CC from banks: Any

6. Estimated Spending per month with the card: Petrol <500

I shall assume you only pump at Petronas so you can consider Maybank Petronas Visa where you earn 5X Treats Points everyday and 8X TP on Saturday and Sunday. But until 28th Feb, you can earn 5X TP too everyday for any type of transaction. Maybankard is accpeted at many places for installment plans.

Having said the above, you should consider Maybankard 2 Cards as now AMEX is supposed to be accepted at Petronas. The MBB 2 AMEX is excellent if you can wait and pump petrol on Saturday and Sunday because not only will you earn 5X TP but EXTRA 5% cash back

This post has been edited by Gen-X: Dec 19 2012, 08:42 PM

1. Annual Income: 30k (as stated in payslip) / 60k(basic with allowance)

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Petrol,Dining,Installment Plans,Toll,Shopping

4. Existing credit cards if any: None

5. Preferred Bank or Considering CC from banks: Any

6. Estimated Spending per month with the card: Petrol 600-1000, Toll 200-400, Dining+Shopping 1000....

What you guys think? I dont know whether banks will consider my allowance or just look at my basic?

If you are paying income tax on the RM60K income, then your annual income should be RM60K/yr. And if you have yet to submit Borang BE with RM60K/yr income, go ask the bank what documents you need.

So the cards to get are:

1. Maybankard 2 Cards where the AMEX earns you 5X Treats Points everyday PLUS EXTRA 5% on Saturday and Sunday but this cash back is capped at RM50/month.

2. OCBC Titanium MasterCard where you earn 5% cash back for Petrol, Dining, Groceries, Telco bills and Utility bills BUT the cash back is capped at RM50/month. Say you charge RM1K petrol to the OCBC Titanium MasterCard, you will get RM50 cash back per month. But if you charge RM900 petrol and RM500 dining to the OCBC TMC, you still only get RM50/month.

3. The UOB One Card may be good for you since you do pump a lot of petrol, however there is a cap on Petrol too. But with this card, it will free the OCBC TMC from petrol and you can use it for dining and earn 5% cash back and other places where AMEX is not accepted and earn 1% cash back.

So with the above cards and if you spend RM2K and above, you can earn up to RM100 per month (or even more) with proper planning plus 5X Treats Points with the Maybankard 2 Cards.

And since you are new to credit card, please be warned that you need to have discipline in using it or else you will end up with a big headache if you don't have the cash in hand to settle the Outstanding Balance monthly. Please do not think it may not happen to you because with your income and your spending pattern (even if you are being reimbursed for your expenses), it looks scary.

This post has been edited by Gen-X: Dec 20 2012, 01:06 AM

Gen-X. I really appreciate this. been considering M2cards and OCBC TMC only up till now. I thought UOB need to swipe 60x/year or something as you said in your blog? n also I just started working for 5 months now. so not even out of probation period so my basic still listed as allowance only. OCBC ask for 3months payslip and 3 months bank statement as prove. donno can get OCBC card or not

This post has been edited by mar90: Dec 20 2012, 01:08 AM

Bro, UOB first 2 years annual fee FREE, worry later. Worst come to worst, cancel the UOB

This post has been edited by Gen-X: Dec 20 2012, 01:12 AM

aha. so how would u recommend me do this? max out UOB on RM400 petrol, use OCBC after that on petrol and dining and weekdays, n then used AMEX up to RM1000 on the weekend. is that the best way?

crazy UOB One platinum need to spend 36k/year? lol better get the classic instead rite

This post has been edited by mar90: Dec 20 2012, 08:04 AM

1. Annual Income: 46k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Bills, TnG, installment, groceries at MYDIN, Cash back

4. Existing credit cards if any: Maybank Petronas

5. Preferred Bank or Considering CC from banks: Any

6. Estimated Spending per month with the card: Petrol 200, Streamyx - 130, groceries - 250, maxis - 150. PTPTN, 250 per month

Hi,

Just want an advice regarding what cash back card that suitable for me based on my spending habit. Currently I'm utilize my Maybank Petronas that give me 8TP and 5TP until Feb 2013 if I not mistaken.

Since I plan to married next 2 years, which card can give me greater savings or which I can utilize for maximum cash back since I plan to do this item below for next year:

1. Cash back card must accept Mydin for the 5% or whatever max percent cash back that the card offer.

2. I plan to pay my ptptn 3k per month by any CC that can max the cash back by monthly plus bonus of point or any additional benefit an then BT it to any CC that have 0% for 6 months or 12 months. By this way, hopefully I can settle my ptptn loan in one year and get 20% discount on it for full settlement in one year then only concentrate to pay up the BT later on.

Thanks,