Well, the cards you are considering are good enough for you.
Fine dining and shopping use Maybakard 2 Cards.
Petrol, Utilities get OCBC Titaium MasterCard where you'll get 5% cash back.

As for LCCT, there's no cash back card offering free access to airport lounge. Click here to read what cards offer free access to LCCT Plaza Premium airport lounge. You'll note that there are two Debit cards that grant you free access to LCCT and also earns you cash back.

If you want cash back and access to KLIA Plaza Premium Lounge then the card to get is Alliance Platinum Credit Card. Goto to airport access thread for more info.

what cards you having now? Need to know then can recommend you alternative but for 0% BT, get either CIMB or Maybankard 2 cards.


Maybankard 2 Cards you'' get 5X TP which is way better than your UOB VOX and also cash back up to RM50/month. Easy approval, well if you have the necessary documents to proof your income and your credit history is good, any card also easy to get.

BHP - get UOB One Card and earn 2$ SMART$ cash + BHP points 0.9% + 5% from UOB One Card, check out Petrol thread BUT downside insurance only 0.3% So compare it with HLB essential and see the diff. If not mistaken, HLB Essential no cash back for petrol.

Also check out the following articles im my blog.

Best Credit Card in Malaysia for Petrol and Movies
Revamped UOB One Card - It's A Pure Cash Back Credit Card. In this artilce I did a table to compared the difference in cash back from various cards.

Since you say your record is clean (and subjected that you can prove your income) why don't you write an appeal to OCBC, nothing to loose but 5% cash back to gain for Petrol and dining and utilities There is no such thing as too clean record. Maybe it has something to do with other criteria like your nature of work.

This post has been edited by Gen-X: Sep 13 2011, 10:39 PM

UOB One Card since that is the only card you can qualify based on your income.

For your case, get the card that is most convenient to make payment, i.e. the bank you bank with.

Since you requirement is purely for petrol, go read petrol thread http://forum.lowyat.net/topic/1798403 but looks like UOB One Card the card for you.

Did you read first post? With your spending pattern, advise you go read it again even if you had; and then decide you want airmiles or cash back.

As for Cash Back and LCCT, read back last page where someone asked the same.

This post has been edited by Gen-X: Sep 15 2011, 11:31 PM

OCBC Titanium MasterCard. check out OCBC Thread by clicking here and you'll note that you cn pay TNB, Celcom, Digi, IWK, Syabas via online.

Since you do spend above RM5K, you can also consider UOB One Card but for general transactions the cash back is pathetic at 0.3% and so is Citibank Cash Back/

For movies you can consider Citibank Clear Card if you really go often as you can get free tickes every Friday at 3 Cinemas, click here to read my article Best Credit Card for PEtrol and Movies.. Only set back is Clear Card is not a a cash back card.

Talking about spending RM1K-RM5K, you definitely need more than 1 card to maximize cash backclick here to read my article Earn Pocket Money with Credit Cards where I have have given several options of credit card combinations for different type of spending.l

Go ask at Maybankard 2 Thread if the card is good for paying bills online.

This post has been edited by Gen-X: Sep 20 2011, 11:02 AM

haha, you are right because of your requirements and income bracket, UOB One Card is the one suits your needs.
Citibank Clear Card is good for movies, coffee bean, zouk and more of a lifestyle card but it is not a cash back card and therefore you have eliminated it yourself when you said you want only cash back card.
Choice Card? Why you would even want to consider it? Go for Clear Card at least you can get free movie tickets.

Read first post and then decide you want cash back or airmiles. As for you considering of cancelling it after the trip, go get a Visa or MasterCard Debit Card from your present bank and save RM50 GST.

At Maybankard 2 Cards Thread you posted as if you got the cards Just get Maybankard 2 Cards and you can save RM100 as you mentioned at your Honda Service centre.

If you do indeed spend RM1K and above, you'll need 2 cards to optimize your returns.

First thing to do is go convert your MBB Gold to Maybankard 2 Cards Platinum where you can get cash back and complimentary golf green fees at 14 selected clubs in Malaysia. Go to MBB site for more details on the golf clubs.

As for Airmiles, I don't think is worth the time if you don't consistently spend RM5K and above. I keep repeating in all the posts you guys got to decide you want airmiles or cash back only as you can't get both. Some cards allow you to convert your points to Enrich points but I think you'll get better returns when you redeem for cash vouchers.

If you really want airmiles, go look into Citibank PremierMiles, 1st year free, second year I don't know, you got to request. And if you really fly a lot, get MBB World MasterCard where you can earn 5X Airmiles but the card is not free. You have eliminated both these cards when you stated Free Lifetime Annual Fee as a must.

For petrol, click here to read my article titled The Best Credit Card in Malaysia for Petrol and Movies. YOu can either get UOB or OCBC Titanium MasterCard where you can earn 5% cash back at ALL PEtrol Station. If you pump at BHP, get the UOB One Card. Also check out Petrol thread by clicking here.

So your combination should be of Maybankard 2 Platinum Cards and UOB One Card/OCBC Titanium MasterCard where all three card gives you cash back, Free Annual Fees with or without conditions. For free green fees MBB 2 Plat and lowest overseas conversion rate with MBB 2 Visa or MasterCard.

If you really into golf, the CIMB WorldMaster card do offer complimentary green fees for clubs in Singapore and Indonesia. Click here to CIMB site)

If you have the time, read my article titled Earn Pocket Money with Credit Cards by clicking here. I have given examples on how to optimize returns with different spending patterns.

This post has been edited by Gen-X: Sep 28 2011, 11:29 AM

Since you gave so little info, hard to tell.

Yes if you can proof your income, good if you got submit Income Tax form. If your income is like from rental and dividends amounting to more than RM30K, you should have declared it to IRB. If income of RM50K is from interest from FD, then no need inform IRB and submit forms but you would have a pre-approved credit card from the banks by now. If your income if from overseas, wish you good luck in your application.

This post has been edited by Gen-X: Sep 28 2011, 04:43 PM

Maybankard 2 AMEX with AMEX Autopay services i.e. You got to apply thru AMEX.

For groceries and petrol get OCBC Titanium MasterCard. Get 5% cash back for Dining and Telco bills too.

For installment plans, your MBB Visa should be adequate since the list of merchants offering 0% with MBB cards is pretty long.

For up to RM1K, definitely OCBC Titanium MasterCard if for Petrol (except BHP), Groceries, Dining and Utility Bills. Credit limit > 5K useless with this card.

Recommend you read my articles:

Earn Pocket Money with Credit Cards. In this article I have scenarios on what card gives better returns for different spending pattern.

REvamp UOB One Card - It's A Pure Cash Back Card. There's a comparison table of different cash back cards for easy reference.

This post has been edited by Gen-X: Oct 3 2011, 09:43 AM

click here and here

ALL UOB Platinum Cards including One Card are waived if you spend RM3K and swipe 12 times.

This post has been edited by Gen-X: Oct 3 2011, 10:37 PM

5 years annual fee waiver for One Card Classic, Lady's Classic, Plat Visa, Plat MasterCard, Plat One Card and Plat Lady's Card. For these card, if apply together with Balance Transfer get additional 1 year free annual fee waiver.

Wah, got an algebra problem to solve, hahaha. Look like my examples in Earn Pocket Money with CC did not cater for your case.

Petrol get UOB One Card. If go Guardian, Watson, Caring and GSC also charge to this card. Go check out UOB SMART$ Cash merchants to see if you patronize any and earn extra in addition to the cash back.
Food plus Telco just slightly above RM1K, if can squeeze below RM1K, then OCBC Titanium good for just these 2 items.

Gym, haha, just like what I mentioned in my article on 5Bs.

So we have remaining Gym and Insurance RM300 and Balance RM1260. Insurance if GE look into OCBC GE card.

Option 1 - HLB Essential you get 1% cash back, so for RM1560 you only get back RM15/month
Option 2 - Alliance Platinum Debit Card or Premier Debit Card where you get 1.5% and 2% cash back respectively.
Option 3 - the 42% Balance see if any card get gives you discount at places you transact. E.g. you only buy clothes at FOS, CIMB gives you 10% where RM200 you get RM20 better than 1% cash back from HLB, Or you shop at MidValley, Isetan, Parkson then get HSBC Visa Signature where you can get 5X Points (but then again many shops at MidValley and 1U accept AMEX too).

Seriously, if the places you patronize accept AMEX, even on weekdays you get 5X TP equivalent to 2.5% return which is better than any other credit card. On weekends you can get 5% cash back which may come in handy. Go check out Places That Accept Amex Thread. There are many places that accept AMEX including clubs. MBB 2 Amex 2.5% even better than Citi CB and UOB 1 Card at Pharmacies. DiGi, CElcom and Maxis accept AMEX ( so that you have more for your OCBC TMC).

This post has been edited by Gen-X: Oct 11 2011, 10:43 PM

yah, most of my DiGi, Maxis and Celcom bills autodebit with MBB 2 AMEX but two autodebit with OCBC TMC.

HIM and this.ia.a.ball:
Click here to read my article Best Credit Card for Petrol.

In a nut shell, if pump at BHP then UOB 1 Card the best. At all other station you still earn 5% cash back for petrol. Click here to read my article on UOB One Card.
If you pump at many different Petrol stations, the OCBC Titanium MasterCard where you can also earn 5% cash back for dining, utility bills and groceries.
If you pump at Esso or Shell on weekends, Maybankard 2 Cards American Express where you can earn 5% cash back on weekends too.

Click here to read my article Entry Level Credit Cards - Which Is Best For You.

Since you claim you going to spend RM5K per month and with your income range, you will need 2 cards because maximum credit limit per card for your case should be 2X your monthly income.

This post has been edited by Gen-X: Oct 17 2011, 10:06 PM

Click here to my Casb Back Cards page in my blog. Once there, go click on link to UOB One Card and if you don't have time to read, go see the 2 comparison tables. Suggest you check out UOB One Card, Maybankard 2 Cards and OCBC Titanium MAsterCard.

For GST waiver, OCBC does waive it if you spend RM10K/ year. Or with the Maybankard 2 Cards, you only need to spend RM2,000 to get 10,000 Treats Points to offset GST, and including the cash back you may get on weekends.

This post has been edited by Gen-X: Oct 18 2011, 11:02 AM

check out this thread for OCBC 5% cash back outlets. So far I have no problems getting 5% cash back for dining.