I dont exactly spend RM5k a month. I mentioned occasionally. I have some part time job running errands so i can manage at most 1k. The one u recommend is way over the top. I'm kinda looking at credit card from Maybank. To be specific, among the credit card in Maybank and CIMB, which one charges the least(%) when conducting oversea online shopping?

Also, if i dont have a salary slip, can i just like show the bank a fully loaded ASB book? Will they allow me to apply for credit card as a student?

NOTE: I am not APPLYING for a new card but I want to CHANGE my current EON Classic card to other banks. Please advise on this. Thanks!

1. Annual Income: RM30k to RM36k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol, Online Purchases, Etc.

4. Existing credit cards if any: EON Visa Classic

5. Preferred Bank or Considering CC from banks: Any

6. Others:

7. Estimated Spending per month with the card: Less than RM500

Bro, try not to do instalment if you can't afford the actual price upfront.
My friends are in debt cause of this.

But for petrol and utilities, you can try either OCBC Titanium or Maybank2 AMEX + VISA or MC.

For good installment plan, you already for MBB 2 Cards

If you did not call OCBC, do call and check your status. OCBC TMC best card to compliment MBB2 Cards.

If you want for Petrol, max rebate RM30 per month for RM600 fuel, then Citibank Cash Back or UOB One Card.

Besides petrol and groceries, another option is go get Alliance Platinum Debit Card and earn 1.5% cash back for any transaction up to RM6K per month (that's what the website states but if I recall correctly, last time erry mentioned it was less]. You need to deposit RM20K to open account to qualify for the card BUT you can withdraw it out the next day

haha, maybe you should read your previous post where you stated Installment Plan 

For clothes, better you use your Maybank 2 Visa if AMEX is not accepted instead of UOB One Card and earn miserable 0.3%

Hi TS, I've read through your blogs an others, please recommend a card for me, mr CC consultant 

1. Annual Income: RM30K to RM36K (I've seen somewhere in LYN with people saying that certain banks even gave platinum/titanium cards for thoe who earn below 30k annually  )

2. Free Lifetime Annual Fee: A Must

3. Card required for:  Petrol, Cash Back/Rebate Only, Overseas Transactions, Utilities, Groceries.

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Sap Sap Suey

7. Estimated Spending per month with the card: Less than RM2k

Act is not a new card, is the same titanium card with same benefits but lower requirement for the degree holder who below 28 year old to apply..thanks

i describe myself as kiasu cheapskate. i think this is quite a common typical malaysia mindset

rm50 to spend or rm50 to pay tax.... the difference is quite substantial

I don't see the need for you to get any other cards unless you want free airport lounge or another back up card (which in this case should have kept your CIMB DA) .

For Hotel, you MBB 2 Visa gives you 6% discount at Agoda.
For Flights, your MBB 2 AMEX earns you minimum 5X TP which is better than Citi Air Asia Card. Even your OCBC TMC with 1% CB is considered very good.
For Online shopping, this one you know more than me on how to maximize the 5% cash back with AMEX 

MBB VI is it MBB Visa Infinite? Is the MBB2 MasterCard that comes with the MBB2 AMEX give 2X TP as well?

although it is free for life...the problem now is the government tax...if you keep it..then every year pay RM50....
right?

i already tried to apply from hsbc and also ocbc. but failed. i dunno y but i really want a cc. anyone can help?

I will seriously look into this the OCBC ti and Maybank 2card.
But now my question  is...can i pay the bill of both this card by using e-banking?

The minimum requirement to apply for the Maybankkard2 Card is:

platinum: RM60k
gold: RM30k
(p.a. salary)

So I'm oni qualified for the gold.
But i cant find what's the diff between gold n platinum.
Could anyone pls enlighten me TQ.

I'm not on any credit card yet.
Income is at 1.7k{bank in} (not included allowance,allowance at rm600)
problem is that my allowance were not included in my pay slip ,its paid by cash

1. Annual Income: RM20400.00(rm27600 included allowance)
2. Free Lifetime Annual Fee: A Must
3. Card required for: petrol,online purchasing/banking,dining
4. Existing credit cards if any: Nil (does debit cards count? pbb debit)
5. Preferred Bank or Considering CC from banks:public bank,maybank,hsbc,hong leong
6. Estimated Spending per month with the card: Less than RM1K

fruitie, thank you so much for taking the trouble to let me know you find my articles useful   

Yah, I do think the MACH credit card is excellent for movies, especially 3D and IMAX where most FREE 1 for 1 movie tickets are only for normal ticket. Having said this, if you only watch normal ticket shows at TGV only, Citibank credit cards are good because the ticket only cost RM10 (for August RM8), that's more than 10% discount.

You are now an expert too, can recommend credit cards to others Yes, MBB2 and OCBC TMC are must have cards because they reward us the most. When your boss see her Treats Points accumulating exponentially, and getting 5% cash back from OCBC TMC, you'll be promoted by jumping 2 levels 

And you are now a certified credit card enthusiast where we spread our passion on credit cards to others and can't bear looking at them earning less from their useless credit cards, hahaha.

Basically, for local spending charge Fixed Expenses up to RM1K to the OCBC and rest to Maybankard 2 AMEX which earn us 5XTP (plus RM50 max cash back on Saturdays and Sundays), if AMEX not accepted, use Maybankard Visa Infinite to earn 2X TP which is like 1% cash back when redeeming for cash voucher.  And for overseas Maybank Visa Infinite for 5X TP too but more importantly, with the 5X TP is like 2.5% returns when redeeming cash vouchers and less the overseas admin cost of 1.25%, we still earn 1.25%

However, boss being bosses, they have their unique way of  thinking out of the box and may not concur with me, hahaha. Also the hassle of making payments to consider.

Recommend she reads my article FREE Money from Maybankard and Bonuslink for My Wife's SK-II. and Benefits of Credit Cards and How To Earn Pocket Money where I have a comparison of points required for redeeming cash vouchers between HSBC vs. Citibank vs Maybank. My bad, where she got time to read, you'll have to summarize them in a report for her haha.

Try OCBC. Their min requirement is 36k pa for titanium but then again, anything is possible. Do u have any loans / FD with any banks? if yes, you can try applying with them- it might be easier for them to approve since it is not a new risk , provided you are a good paymaster. Try re-appealing for citibank, sometimes it works.