Bro, most likely if you can't disclose the info here it would also meant that won't be able to assist you as my answers are all general. But since you Senior Member, yah you are welcome to PM me.

This post has been edited by Gen-X: Mar 22 2011, 09:26 AM

For petrol and Telcos, best is OCBC Titanium MasterCard and Petrol MBB 2 AMEX. Since you spend less than RM1K, Ocbc best for your case. OCBC Titanium minimum income RM36 but you can pledge FD to get OCBC Titanium, go to OCBC branch and find out more.

If you don't want peldge FD, try MBB 2 Cards.

Click here to read more on OCBC Titanium MasterCard.

Once you enter link above, you can also read my post on MBB 2 Cards and also click on Minimum CC Income Requirement and Credit Limit to see other cards that are free.


Most credit cards allow you to offset GST with 10,000 points.
Are you saying Maybankard 2 CArds Platinum Travel Insurance not applicable for air tickets purchase via online?

what is the point of you mentioning the 5% cash back Foreign Card and not sharing with us on it Elaborate please.

Just to update all: I was at OCBC today and the staff there told that we can no longer pledge FD for OCBC Credit Card.

You did not specify how much you spending per month (please refer template). If less than RM1K for the items highlighted in Card Required For, then OCBC Titanium MasterCard. Click here to read about OCBC Titanium MasterCard.

For overseas spending and if you do spend more than RM1K/month, go for Maybank cards and would recommend to you Maybankard 2 Card where the Visa or MasterCard do give you the lowest conversion rate for overseas. Click below link to read more on Maybankard 2 Cards.
http://creditcardsmalaysia.blogspot.com/20...an-express.html

Click here to read about overseas transactions.

As for shopping at the malls, maybe Citibank and HSBC is better as they have offers discount at some outlets. Go check their website and see if the places you do shop gets you any discount with HSBC or Citi cards. Having said that, also depends where you shop, if you shop at JJ, TESCO, Parkson, Tangs, Robinson, Isetan and outlets at Garden and KLCC then Maybankard 2 Card American Express is good as it gives you 5x Treats Points plus 5% cash back on weekends.

for petrol and dining, OCBC Titanium is pretty good with 5% cash back.

As for Std Chart, doubt you will get anything from petrol. But the Standard Chart Gold Card do give you Travel Insurance and Free Purchase Protection Plan. Since you like Stand Chart, go get both cards, sign up for Std Chart gold Card and get RM128 cash back BUT if you get Maybankard 2 Amex, yo may get up to RM600/year in cash back plus 5X Treats Points.

Click below link to SCB website
http://www.standardchartered.com.my/person...-mastercard/en/

This post has been edited by Gen-X: Mar 24 2011, 11:22 AM

Try Maybankard 2 Gold if you really can proof your income to be RM30K. You earn RM30K and you and GF spend RM5K if it is your money she spending, better you go read my hypothetical scenario on BF GF thingy by clicking here,, hope your GF paying for her own expenses. From the same article you can see what cards are free and the card you qualify with your present income.

Once your income reach RM36K, go get OCBC Titanium.

Also you can consider Alliance Gold CC or You:nique where you get both cash back and points if your MBB 2 kena reject.

For both of you, the tricky part is the Petrol portion where most Visa and MasterCard cards do not give you any points or cash back. However there is one that does, it is Ambank Carz card where you can get 2% cash back for petrol and both of you qualify based on the income requirement. Go to Ambank website below and read more about it.

http://www.ambg.com.my/

boonyjun, also click on the link above where I replied to cyril85 post to read my article Malaysia Credit Card Annual Income Requirement.

Another option is look into PBB Debit Cards - Day2Day and Esso where they do give you cash back.

This post has been edited by Gen-X: Mar 24 2011, 07:40 PM

Get OCBC for your petrol and grocery. However, since you spend above RM1K per month, you may need another card since OCBC cash back capped at RM50/month.

Maybankard 2 Cards do give cash back plus points for groceries and petrol, but I noted you got CIMB Petronas so if you want to stick to Petronas, then Maybankard 2 Cards AMEX may not be suitable for you. If you want change to Esso, then get MBB 2. click here to go to Petrol thread. Since you don't do much shopping then Maybankard 2 Amex also useless, but I must point out, you just need to spend RM2000 in a year with MBB 2 Amex at JJ, Tesco, Giant, MetroJaya and other places that accept Amex and with 5XTP you will get 10,000 points which can offset GST and if you happen to use in on weekends, with RM2000 over time you get back additional RM100.

Other cash back card won't give you much in return for your case.

Click here to read about OCBC Titanium where I also have a table comparing cash back cards.
Click here to read about Maybankard 2 Cards review.

This post has been edited by Gen-X: Mar 25 2011, 06:06 PM

OCBC card is the only card that gives auto waiver on GST if spent RM10K with it a year. I think apply to supp card too. Call them at 1300885000. But with cash back of RM50 and nothing more after that, having a OCBC supp card is useless too.

You getting nothing with DA for petrol and groceries on Sundays only got cash back. Best for you Maybankard 2 Cards Free For Life. Like I mentioned above, spend RM2000 get 5XTP to get 10,000 points to offset GST plus up to RM600/yr cash back on weekends. Since you do spend more than RM1K, add OCBC too and with both OCBC and Maybankard 2 Cards, your total cash back for a year comes out to be RM1200. Only problem you got to keep track which card has maxed out the cap of RM50/month. Initially headache for me, now I just use OCBC for Petrol and sometimes Dining and all other transactions I use MBB 2 Amex

for petrol the cards are very limited for your case. Ambank Carz for all Petrol Stations, UOB OneCard for BHP Petrol, CIMB Petronas Classic and Public Bank Visa Gold Esso.

Citibank got Shell but to enjoy maximum returns you need to have balance outstanding which is not good practice and I won't recommend it.

Please follow 1st post template.
Why you want Public Bank Gold Visa? It will take more than 2 weeks to get the card after you submit at the branch. Read previous pages, I posted CIMB Credit Card centre contact number, call them, card issued in a day if you qualify.

agree with chem on Maybankard 2 Cards but chemistry, I think you got confused MBB World MasterCard with MBB Platinum. MBB Platinum don't grant you access to Golden Lounges but to MBB Private Banking Centres.

If you really don't want a credit card, you can have a Public Bank Debit Card link to your account where you can use like a credit card and withdraw cash from ATM in USD with it.

Never withdraw cash with credit card.

This post has been edited by Gen-X: Mar 26 2011, 03:59 PM

You cannot transfer EPP to another bank but you can settle early. Call HSBC CS and ask if there any penalty for early settlement. Last year I checked with HSBC, they told me no penalty but you better check yourself.
Balance Transfer for EPP no idea. Just go pay settle the EPP in Full and do BT on other transaction loh.

OT: To all thinking of doing installment plan, before you sign up for one click here to read my post titled Investment Wealth Retirement. and those thinking of getting iPhone click here and read about mifi.


Like chemistry mentioned, OCBC Titanium MC, pure cash back card.

Click here to read myy artilce on OCBC TMC and see table of other cash back cards.

You can also look into Citibank Cash Back Platinum where you should qualify based on your annual income, this card is pure cash back but petrol capped at RM30/month. If you are benefiting from Clear Card promotions then keep it else upgrade to Citibank Plat Cash Back (but Citi Plat CB no auto annual fee waiver, you got to request).

Another alternative is Maybankard 2 Card like Chem mentioned but it is not pure cash back but do give cash back on weekends capped at RM50/month. But with spending RM2K a month, like chem mentioned, OCBC and MBB 2 would be best and by combining both these cards, you can get max cash rebate of RM100/month.

click here to see brief comparison of Maybankard 2 Cards Amex versus Citibank Platinum Cash Back. If you want to read more on Maybankard 2 Cards, click on the Mbb 2 Post on the right hand side under Popular Post.

As for free access lounge, there is no pure cash back card giving you access to airport lounge. Click here to Airport Lounge thread and have a look at the cards that give you access.nd

This post has been edited by Gen-X: Mar 27 2011, 08:56 AM

If you want cash back only, then get OCBC Titanium and where your expenditure increase more than RM!K per month, then go apply Maybankard 2 Cards.

If you spend less than RM!K, you won't get much from You:nique, better you go with MBB2 and get 5% cash back.
For places to use Amex, go here http://forum.lowyat.net/topic/1806817

This post has been edited by Gen-X: Mar 29 2011, 09:30 PM

With you income you qualify for Maybankard 2 Cards which gives you both cash back and points.
Citibank, you need income of RM48K to qualify for Citibank Platinum Cash Back, the rest don't give you anything for petrol except for Shell card but I wouild not recommend it.
HSBC you get nothing for petrol unless there is a promotion.
Public Bank do have Esso card but I would think go with MBB 2 where you get rebate at Shell and Caltex too.

click here to Petrol thread and get Smiles, Mesra or Bonuslink to maximixe your returns from pumping petrol with credit cards. You can also redeem for food or drinks from the points you earn with your Simles or Mesra card.

Maybankard 2 Amex can pump anyday at petrol station and you'll still get 5X Treats Points. Yes it can be used at shell, please go to link I posted.
Yes, RM1 = 1 Treats Point.

Bro, you should go read Maybankard 2 Card thread lah. Maybankard 2 Card Amex 5% cash back is for ALL type of transactions on weekends including petrol.
Click here to read more on Maybankard 2 Cards at my blog.
since you are new to CC, click here to read my article Intro to CC 101.

haha, my bad

This post has been edited by Gen-X: Mar 29 2011, 11:31 PM

Sorry, you in accordance to Bank Negara Malaysia latest ruling, you cannot qualify for credit card. Please read first post and go to this BNM Ruling thread by clicking here and to read my article titled titled Minimum Income Raised to RM24K by clicking here.

Please also read first post, 1. You need to be 21 years of age and 2. Annual income RM24K to qualify for a CC.

This post has been edited by Gen-X: Mar 29 2011, 11:50 PM

Well, for installment plans, Maybank Visa and MasterCard do have many outlets accepting them. Click below links to see outlets
http://www.maybank2u.com.my/mbb_info/m2u/p...=CRD01.16.01.01

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Do note that sometimes merchants will give you further discount if you swipe one go instead of going with installment plans. This applies to most furniture stores that have installment plans, so ask.

So I would suggest that you go with Maybankard 2 Cards where you do installment plan with the MBB 2 Visa or MC and use the MBB 2 Amex for petrol and groceries to get 5X reward point and cash rebate.

As for available credit, the unpaid portion of the installment plan (i.e. outstanding yet to be billed) cannot be utilized, so you won't be able to buy the microwave in your example for the following months until your available credit is once again more than the microwave price.

OCBC Titanium is good for PEtrol, Groceries and Dining but not many outlets accepting it for installment plans, if you want Coach then yah.

Last but not least, you want installment plan for years? Usually the 0% installment plan is for 12 months only.


As for not working for the bank, as long as you opt for 0% interest free installment plan then it may be true, but once you pay interest then you are working for the bank. Since you new to credit card, if you have time, do read my two hypothetical scenarios on how one can be trapped with credit cards with installment plan by clicking below"

http://creditcardsmalaysia.blogspot.com/20...ual-income.html

Also suggest you read my article Intro to CC 101 by clicking here.

click here to read about OCBC Titanium MasterCard.As and from here go read about Maybankard 2 Cards.

This post has been edited by Gen-X: Mar 31 2011, 10:43 AM

yah, agree 100%.

Anyway, the benefit of MBB Petronas are
1. Free For Life
2. 5X TP at Petronas and nothing else for other stations.
3. Overseas transaction lowest since it is a MBB Visa.

For Overseas transaction, better you go with MBB Platinum Visa/MC (non co-brand) and get 2X TP.

Click here to read about my credit cards where I mentioned I cancelling the MBB Petronas CC.


This post has been edited by Gen-X: Mar 31 2011, 02:20 PM