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 Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)

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Titan_Gunners
post Dec 12 2012, 11:05 AM

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QUOTE(cindygirl8888 @ Dec 12 2012, 10:00 AM)
1. Annual Income: RM 36k
2. Free Lifetime Annual Fee: prefer
3. Card required for: shopping, dining, online shopping,online bill paymenteg.tnb,syabas,tm,unifi,maxis,astro, air ticket & hotel)
4. Existing credit cards if any: stanchard business platinum(want to cancel due to no more rebate and increase in points redemption), MBB 2card-supplement card, hong leong gold, citibank clear.
5. Preferred Bank or Considering CC from banks: Any
6. Estimated Spending per month with the card: min 5000,max 20,000

Remark: No need to consider late payment interest rate,pay full everymonth
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You get Ocbc Titatium card which can get 5% cashback on dining, petrol, bills and grocery. Others than that will get 1% cashback.
Cap is RM50 per month.
Titan_Gunners
post Dec 31 2012, 03:21 PM

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QUOTE(Gen-X @ Dec 31 2012, 10:55 AM)

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. [/url]
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Well said, Gen-X. notworthy.gif
Suggest to put this reminder/ notice at the 1st page of General thread.
Titan_Gunners
post Jan 4 2013, 03:11 PM

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QUOTE(mini_sushi @ Jan 4 2013, 02:28 PM)
Is there any Visa cc that offer free lifetime annual fee beside of MBB 2 cards coz I already got them (Master+Amex) or can I apply for the same package but this time Visa+Amex
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If your main concern is free AF, you may try CIMB credit card.
No use to get another Mbb2 combo, as the monthly cashback limit will be shared.
Titan_Gunners
post Jan 26 2013, 11:43 AM

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QUOTE(sevendogz @ Jan 26 2013, 11:24 AM)
I also would like to know which card currently providing the MAXIMUM rewards for utilities bills, 90% of my payments gone there, please help
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How much u pay per month?
If below 2k, ocbc titanium + hong Leong wise will be great.
Titan_Gunners
post Jan 26 2013, 12:34 PM

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QUOTE(sevendogz @ Jan 26 2013, 12:06 PM)
around 5k, any suggestions?
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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
Titan_Gunners
post Jan 26 2013, 03:25 PM

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QUOTE(sevendogz @ Jan 26 2013, 01:43 PM)
i was hoping to get better deals
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Don't be lazy. Go search for ur best deal... smile.gif
Titan_Gunners
post Mar 20 2013, 08:53 AM

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QUOTE(exkaizen @ Mar 19 2013, 03:29 PM)
1. Annual Income: RM86K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Overseas Transactions, sat/sun groceries transaction, 0% installment plan

4. Existing credit cards if any: Citibank Gold Card (just terminated)

5. Looking at CC from: no preferences

6. Others: please suggest 2-3 cards from the most recommended to recommended
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Since u do not enclose monthly expense pattern, i will suggest to go for Mbb2 cards and Ocbc Titanium.

Mbb2 cards
- Free AF and GST can be offset by using 10k TP.
- use Amex for weekend transaction( petrol/grocery+ any transaction) for 5% cashback + 5x treatpoints. cashback amount cap at Rm50 per month.
- use master/visa for better oversea transaction due lowest currency offered by Mbb. For 0% installment, i would say 99% of shops accept Mbb credit card.

Ocbc Titanium
- Free AF if swipe 12 times per year, GST can be offset if you spend 10k per year.
- 5% cashback everyday for petrol, groceries, bills and dining.
- 1% cashback for all others transactions.
- cashback amount cap at Rm50 per month.

I using both cards now and pretty well cover all my monthly spending. rclxms.gif



Titan_Gunners
post Mar 20 2013, 08:55 AM

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QUOTE(LS Lim @ Mar 19 2013, 07:33 PM)
Hi, pros

1. Annual Income: RM36K to RM86K

2. Free Lifetime Annual Fee: YES if possible/ as low as possible.

3. Card required for:

Top Priority:
a) Overseas Online Transactions
b) Local Online Transactions

Nice to have:
c) Cash Back/ rebate
d) Petrol
4. Existing credit cards if any: Nil.

5. Looking at CC from: Nil

6. Others:
(i) Low or no minimum spending requirement per year
(ii) convenient to make payment

Please advice.  icon_question.gif

Thanks in advance.  notworthy.gif
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You may refer to my previous post as Mbb2 cards + Ocbc Titanium are the best combo CC at this moment. thumbup.gif

Titan_Gunners
post Apr 26 2013, 10:01 AM

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QUOTE(skincladalien @ Apr 25 2013, 11:37 AM)
1. Annual Income: RM50K+

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Visa as a backup for mbb2

4. Existing credit cards if any: Maybank 2 (Amex+Master)

5. Looking at CC from: none

6. Others: I know OCBC Ti is best but its a hassle for me to pay their bills. So looking for other option.
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If just want to have an backup card , go apply the cc at your nearest bank will be the best option.
Titan_Gunners
post Apr 26 2013, 10:04 AM

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QUOTE(red4900 @ Apr 25 2013, 10:47 AM)
1. Annual Income: RM32k

2. Free Lifetime Annual Fee: Definitely

3. Card required for: Nothing

4. Existing credit cards if any: Nil

5. Looking at CC from: Anywhere can do as long as annual fee is zero.

6. Others: I just need CC for the sake of the credit history. Wanting to buy house next year. I know there's ASB, but there's the issue of morality behind it.
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Mbb2 Gold card will be the best card for you. biggrin.gif
Titan_Gunners
post Apr 26 2013, 04:22 PM

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QUOTE(skincladalien @ Apr 25 2013, 11:37 AM)
1. Annual Income: RM50K+

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Visa as a backup for mbb2

4. Existing credit cards if any: Maybank 2 (Amex+Master)

5. Looking at CC from: none

6. Others: I know OCBC Ti is best but its a hassle for me to pay their bills. So looking for other option.
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Top up information:
Start by next Month, May 2013, IBG will cost 10 sen only. You may consider to apply Ocbc Titanium now. rclxms.gif
Titan_Gunners
post Apr 27 2013, 09:36 AM

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QUOTE(skincladalien @ Apr 26 2013, 09:02 PM)
10sen but how long it takes the fund to reach the other bank? if it is still 2 days then still not that convenience
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Why always pay at due date?? 1-2 days are standard process time for IBG.
Titan_Gunners
post Apr 27 2013, 09:56 AM

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QUOTE(skincladalien @ Apr 27 2013, 09:40 AM)
heard of mbb savers account? gonna hoard all the funds in there until 1st  whistling.gif and due date normally is 2nd

anyway, thanks for your suggestions. will look into ocbc again  notworthy.gif
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If you pay before 12pm at 1st, most probably the payment will be made at 1st afternoon time. smile.gif
Titan_Gunners
post Apr 28 2013, 04:46 PM

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QUOTE(loyalkkk @ Apr 28 2013, 02:39 AM)
1. Annual Income: RM36,000 annual income (Gross)

2. Free Lifetime Annual Fee: yes or low fee

3. Card required for: telco, utilities, petrol, cash Back/rebate only (Necessary monthly expenses only)

4. Existing credit cards if any: Nil.

5. Looking at CC from: any bank since IBG is RM0.10 effective on 2nd May 13 onwards

6. Others: Mainly make payment via online banking instead of swiping the card

Honestly, I planned to apply OCBC Ti. But I know it is difficult to get approve.  So, any alternative cc can be introduce?
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Try to apply Ocbc Ti and Mbb2 cards. These 2 cards are the best cc combo at town now. thumbup.gif
Titan_Gunners
post Apr 30 2013, 04:23 PM

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QUOTE(hye @ Apr 30 2013, 08:46 AM)
OCBC Titanium cash back rates has remain the same for several years and in fact it has remains so since the card was relaunched.
You may continue to wait for a very long time. All the best to you !
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+1. rclxms.gif Ppl think like purchase phone, wait, wait and wait.
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