Hi all, I'm currently in dilemma, hope to get the right advise and answer from here. I'm thinking apply a credit card but I'm not using it often or consistently. I just want to take this as for petrol refilling and incase I do not have the cash on hand. So I'm preferred not paying the annual fees, which bank should be fit for my requirement?

If You have min. Income of $30,000 p.a, Maybank 2Cards was most Recommended & its FREE for Life... 
http://forum.lowyat.net/topic/2641365

Most of the Credit Card now usually need min. 12x Swipes p.a to entitled for Annual Fee Waiver

Thanks for your replied, as all of you may knew I'm newbie for this information. Could you elaborate more on what is p.a ? And this sentence? Most of the Credit Card now usually need min. 12x Swipes p.a to entitled for Annual Fee Waiver

Appreciated much, thanks.

Any cards offering buy 1 free 1 promo for Starbucks?

I'm looking for it too but is pain to say that no cc for this promotion so far

1. You can always go settle your installment plan (partially or in full) and free up your available credit limit.
2. BSN and CIMB card any good? I guess you can answer yourself - for emergency cases, does it make any difference to you? Come to think of it, for emergency case, maybe better to get a non-Islamic card to ensure that your card will be accepted for any type of transactions anywhere on earth.
To All Newbies:

observe the above scenario, which is very common among us credit card users (including me) -

1. We all initially choose a card that can benefit us. In above example, the OCBC TMC was chosen because it offers 5% cash back for our expenses required for our daily survival, i.e. Petrol Dining, Groceries, Utilties Bills and Telco Bills.
2. But with free easy credit, we go buy stuff (that is not required for our daily survival) we otherwise would not with cash (as we will think twice before we go burn RM8K cash we are holding in our hands, example above massage chair).
3. 0% Installment Plan is not FREE money but a debt you need to repay.

Conclusion - most people with credit cards will end up spending more that those using cash to pay for stuff.

Once again, if you do not have savings and the cash to pay for stuff, DO NOT sign up for a credit card. And for those of you wanting to sign up for installment plan - click here and read my article 0% Installment Plan with Credit Card - It IS A Trap.

Im looking for a 2nd credit card bcos the maybank2card only amex is useful and most shops dun accept. I use it mainly for petrol. I hope got another credit card can use for normal shopping.

Any card to rekomen?

Maybe you can go search UOB OneCard also 

Im looking for a 2nd credit card bcos the maybank2card only amex is useful and most shops dun accept. I use it mainly for petrol. I hope got another credit card can use for normal shopping.

Any card to rekomen?

is there any other option rather than OCBC titanium?
i am getting sick of waiting for my approval and still need to wait for 2 months just for appeal result? wth?

i am buying medical item for my parents and thats why i need a credit card.
on top of that, i m looking for a cashback credit card for my petrol and grocerries expenses.

is there any other better option instead of OCBC?      

1. Annual Income: rm24,0000 per year

3. Card required for: to pay bil

4. Existing credit cards if any: Nil.

5. Looking at CC from: anybank

6. Others: if any card that can suit as easy going girl

UOB one Card or Hong Leong Bank Mach Card... so Far the Best for Fresh Graduate   

http://forum.lowyat.net/topic/1922946
http://forum.lowyat.net/topic/2421215

how about uob lady? is it ok?