Dude, u must be joking.. u replied someone who posted 2 years ago

Hello people, i would like to inquire getting a card for a female frined who has been working for a while. She is looking for:

1. Petrol rebates, preferably Petronas but she does not mind going for other stations for better rebates
2. Groceries, preferably hypermarkets like Tesco, Giant, Mydin, Carefour
3. She has a gross income of RM3200, net of RM2800.
4. Great credit record

Oh before you guys ask, I work in the property mortgage center, and I do not know too much about my own bank's credit card offerings !!!

Standard answer is Maybank2 Card and OCBC Titanium...

Why thanks, I will check them out. So many cards out there, will take too much time wto wade through them.

Yup. A good place to start is by looking at your friend's salary requirement. That should narrow the choices...

i got no source link, cause the call centre told me that...

ya, these two credit card would be more priority into consideration between all the cards

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: No

3. Card required for:
Cash Back/Rebate
Some Overseas Transactions (backup), some PayPal (backup)
No need AirMiles
No need LCCT Lounge Access
No need Plat if Gold is good enough

4. Existing credit cards if any:
Maybankard2 Amex + Visa Plat
SCB Just One Master Ti
SCB Business Visa Plat (for free cash, going to cancel in 4 months)
Public Bank Esso Mobil Visa Gold (petrol only)

6. Others:
Used to be my SCB JustOne Ti is my primary card and Amex is secondary. Now JustOne rendered useless, so looking for a temporary replacement (or permanent if SCB new benefits are not good) to be my primary/secondary card.

Normal uses: buying stuff, some restaurants (probably 2-3 times a month), some groceries (less), paying bills (if MBB2 Amex not accepted), no movies (maybe twice a year), no petrol (PBB card exclusively for that), some online spending. Eyeing the OCBC Titanium but the cashback by categories is really a headache, hard to keep track. Would consider it if it's really the next best card. Prefer easy-to-remember cashbacks like MBB2 Amex and SCB JO Ti.

Any card which offers instant cash rebate now like SCB? Thanks!

Why is it confusing? The 5% rebate is for utilities & bills, groceries, dining, petrol. If others then is 1%

Parents currently have Citibank Cash Back & Citibank Premier Miles.

Paying TNB bill of 30,000 each month on the Citibank Premier Miles card - claim want to collect free air tickets but so far didn't use any. Was wondering if sifus here can advise what card currently gives the best rewards/returns on such a payment.

Sorry, Edited

This post has been edited by fly126: Jan 22 2013, 02:20 AM

Confusing to keep track of cash-back. With SCB Ti, for example, I keep track of 1 category: ALL. With OCBC Ti, it's 4 categories: UTILITIES, GROCERIES, DINING, PETROL.

I also would like to know which card currently providing the MAXIMUM rewards for utilities bills, 90% of my payments gone there, please help

Have a look at Hong Leong Bank Wise CC 10% Cash Back, up to RM100 per month.
Do read the conditions.

If you want less hassle, refer to OCBC Titanium, up to RM50 per month.

How much u pay per month?
If below 2k, ocbc titanium + hong Leong wise will be great.

around 5k, any suggestions?

OCBC Ti, HLB Wise, UOB One card...

1k- ocbc titanium, cashback rm50
1k- HL wise, cashback rm100
1k- Aeon Watami card, cashback rm30
2k-Mbb2 amex, 5x tp= 2.5% cashback, equal to cashback rm50

i was hoping to get better deals

Don't be lazy. Go search for ur best deal...