With Annual Income $36,000 a year, beside Maybank 2Cards You also may Consider OCBC Titianum Mastercard....
Pls refer to: http://forum.lowyat.net/topic/2703542

Maybe Yes 2x of the Monthly Income with the Starting Point $5,000 Credit Limit on the Card it can be Triple Up later, all depends on the Bank's Criteria...

This post has been edited by fly126: Feb 20 2013, 01:49 AM

Your 1st Credit Card App, how about Your CIMB Petronas Gold not Your 1st CC...

UOB One Card-It's A Pure Cash Back Card You can Enjoy:
Cash Back ON:
* 5% for Petrol (Limited to Total Purchase of $400-Classic card /$600-Platinum card Per Month Entitled for Cash Rebates, Cash Back capped at $20 & $30 per month)
* 5% for Cinema at GSC only
* 2% for Groceries (Limited to Total Purchase of $1500 Per Month Entitled for Cash Rebates it capped at $30 per month.)
* 2% at Pharmacies
* 2% for Telecommunication Bills (Limited to Total Bill of $300 Per Month Entitled for Cash Rebates)
& 0.3% for all Other Purchases...

Although HLB's Mach Card got More Cash-Back Categories (Choose 1 for Free...12 All's from Movies to Dining):
For Details: http://forum.lowyat.net/topic/2421215
But, Need to pay RM5 every 3 months to enjoy additional categories of CashBack of the Card !


Maybe You can try to Consider for OCBC Titianum Card the Best Card so far, but with min. income of $36,000 p.a
http://forum.lowyat.net/topic/2703542

This post has been edited by fly126: Feb 21 2013, 01:11 AM

Depends on Your Spending Pattern...
All You Need is a Card which can give You Cash Rebate back on Your Spending (Usage) rite...???
Sure, the UOB One Card can Served You with Best as a Startup Card for Newbies like You...

This post has been edited by fly126: Feb 21 2013, 11:33 PM

With $24,000 Income of a Year, You can Consider Citibank Clear Card, Since You already got UOB One (Cash-Rebate card)
Sorrylah... You Can't have Maybank CC coz need min. income of $30,000 p.a

Benefits from Citibank Clear Card (Reward Point based):
*Friday 1-for-1 movie ticket (Normal class) at GSC, TGV and Cathay Cineplexes
*1-for-1 drinks at Coffee Bean & Tea Leaf
*Privileges at Zouk Club KL
*CITIBANK CLEAR CARD 3X REWARDS All Year Long Shop/Outlet in Malaysia:
1. Zouk Club Kuala Lumpur
2. Zouk café & Bar
3. G2000
4. Zara
5. Charles & Keith
6. Borders Bookstore
7. Alexis Bistro & Wine Bar
8. Sakae Sushi
9. Pedro
Please Refer to: http://www.citibank.com.my/clear/?eOfferCode=MYCCLNCLC more on Citibank Clear card

Btw, the Banks Reject your Credit Card apps, maybe Your Income was too Low can't Support you to get another CC...
No Harm,You can try apply again maybe 6 months later or got your Salary Increament later...

This post has been edited by fly126: Feb 24 2013, 01:08 AM

You Looking For Maybank 2Cards... It's FREE for Life without any T&C's apply
You can earn up to 5x Treats Point & the Point was Evergreen with NO Expired
You also can get Cash-Rebate up to 5% on Weekend spend with the Cash Back Capped on $50 a month
You can set Any Amount Card Transaction/Authorization on Banking SMS Alerts & with 24 Hours Customer Service...
for More Details on Maybank 2Cards pls Refer to: http://forum.lowyat.net/topic/2641365

You also may Consider to OCBC Titianum Card, No Annual Fee with Requiment of min. 12x Swipes(usage) a Year
This Card Give Cash Rebate (Max up to $50 a Month):
* 5% on Petrol, Dining, Billing & Groceries Spend
* 1% on Retail Spending
+ the $50 GST was automatically Offset with at least $10,000 charged to the Card p.a
for Details : http://forum.lowyat.net/topic/2703542

You also can Refer to Maybank 2Cards
http://forum.lowyat.net/topic/2641365

OIC...Luckily the UOB give Card Approval to You
Anyway, Try apply again when You got Salary Increasement later...

UOB One & Citibank Cash Back Platinum with Similiar Cash Rebate Categories...with Exception 5% Cinema Movie Rebate (GSC only) with UOB One Card

The Difference between these Cards are:
i) Citibank's Cash Rebate will be credited into the Cardmembers᾿ account every month, but Tied up with the $50 Accumulation Block .
ii) If the cash rebate is less than $50 for a particular month, the total cash rebate amount will be carried forward to the following month until it's reach to $50, then Credit into Cardmember Account...

As for UOB One Card, the $$$ Rebate Credit Back to the Account at Any Amount on Every Month...

My BEST Recommendation:
OCBC Titianum Card, Zero Annual Fee with min. 12x Swipes (usage) a Year
This Card Earn Cash Rebate (Max up to $50 a Month):
* 5% on Petrol, Dining, Billing & Groceries Spend
* 1% on Retail Spending
+ the $50 GST was automatically Offset with at least $10,000 charged to the Card p.a
for Details : http://forum.lowyat.net/topic/2703542

This post has been edited by fly126: Mar 6 2013, 02:24 AM

Definitely, Maybank 2Cards the Best Card in Town So Far...

It's FREE for Life with Timeless Treat Point with No Expire...
*The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in one sign up, one service tax, and one statement.
*You can Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.
*5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card and 1x TreatsPoint on Maybankard 2 Card in Malaysia or anywhere else in the world.
* 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Cardmember) per month.

This post has been edited by fly126: Mar 8 2013, 08:03 PM

The Best Card for NEWbie- UOB One Card a Pure Cash Back Card ....
You can Earn Cash Rebate ON:
* 5% for Petrol (Limited to Total Purchase of $400 every Month Entitled for Cash Rebates, Cash Back capped at $20 per month)
* 5% for Cinema at GSC only
* 2% for Groceries (Limited to Total Purchase of $1500 Per Month Entitled for Cash Rebates it capped at $30 per month.)
* 2% at Pharmacies
* 2% for Telecommunication Bills (Limited to Total Bill of $300 Per Month Entitled for Cash Rebates)
& 0.3% for all Other Purchases (including Online Purchase)...

Although HLB's Mach Card got More Cash-Back Categories (Get choose 1 for Free...12 All's from Movies to Dining):
For Details: http://forum.lowyat.net/topic/2421215
But, Need to pay RM5 every 3 months to enjoy additional categories of CashBack of the Card !

If You like Coffee or suka go on Movie (Weekday), You can also Consider Citibank Clear Card...
Benefits from Citibank Clear Card (Timeless without Expire Reward Point Card):
*Friday Buy 1 Free 1 Movie Ticket (Normal class) at GSC, TGV and Cathay Cineplexes
*1-for-1 drinks at Coffee Bean & Tea Leaf
*Privileges at Zouk Club KL
*CITIBANK CLEAR CARD 3X REWARDS All Year Long Shop/Outlet in Malaysia:
1. Zouk Club Kuala Lumpur
2. Zouk café & Bar
3. G2000
4. Zara
5. Charles & Keith
6. Borders Bookstore
7. Alexis Bistro & Wine Bar
8. Sakae Sushi
9. Pedro
Please Refer to: http://www.citibank.com.my/clear/?eOfferCode=MYCCLNCLC more on Citibank Clear card

This post has been edited by fly126: Mar 9 2013, 01:27 AM

You May Consider These Cards:
1) Maybank 2Cards http://forum.lowyat.net/topic/2641365

2) UOB One Card http://forum.lowyat.net/topic/1922946

3) HLB's Mach Card http://forum.lowyat.net/topic/2421215

Maybe.... No.4) Citibank Clear Card

Pls Refer to the Links that I Give for More Details,
Or you can Check On my Previous Posts...

Definitely, Maybank 2Cards the Best Card in Town...
Click on the Red Color Link that I Provide to see the Benefits of the Card... & Please Search my Post (at Upper Page) on Details

This post has been edited by fly126: Mar 9 2013, 11:12 PM

You can Count On Maybank 2Cards & UOB One Card ...

This post has been edited by fly126: Mar 10 2013, 01:14 AM

The Newly Launch Citi Prestige Card
More Details: https://www.citibank.com.my/prestige/home_logged_off.html

My BEST Recommendation for You are UOB One Card Best Card for Fresh Graduate...
Pls Check Up My #2149 Post at page 108.... for More Benefits on UOB one Card...

This post has been edited by fly126: Mar 16 2013, 10:20 PM

Edited...

This post has been edited by fly126: Mar 17 2013, 12:39 AM

My BEST Recommendation:
OCBC Titianum Card, Zero Annual Fee with min. 12x Swipes (usage) a Year
This Card Earn Cash Rebate (Max up to $50 a Month):
* 5% on Petrol, Dining, Billing & Groceries Spend
* 1% on Retail Spending
+ the $50 GST was automatically Offset with at least $10,000 charged to the Card p.a
for Details : http://forum.lowyat.net/topic/2703542

You can Refer to http://forum.lowyat.net/topic/2703542 to Check Up the Cash Rebate Categories
(Which merchant get 5% or 1% Cashback ??) ...

This post has been edited by fly126: Mar 17 2013, 01:09 AM

You can Check up for HSBC Amanah Advance Account-i.... It's come along with Amanah Advance Visa Platinum Credit Card-i & It FREE for Life
Pls Refer to: https://www.hsbcamanah.com.my/1/2/amanah/am...w-advance-works for More Detals