even though for maybank use only, still can use for many types of applications

Hi Guys

          I am from east Malaysia. Currently, I am only using Maybankard 2 platinum (Master/Amex) and I found out that beside Amex done a good deal on petrol, Watson, guardian and hotels, It is very hard for me to fully utilize the card's benefits(in term of cash back and points) at my area here. I ever think of to get OCBC titanium as it was highly recommended throughout the forum but then after gone through the merchants lists, 85-90% of the merchant are not applicable at my area as well.

          I would like to have some recommendation on the 2nd CC that I am going to apply. All your comments are greatly appreciated.

          Below are some of my information

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: A Must. (Free/waiver for GST if possible)

3. Card required for: Basically everything (e.g: insurance, petrol, groceries etc)

4. Existing credit cards if any: RHB Classic (plan to cancel soon), Maybankard 2 platinum(master/AMEX)

5. Preferred Bank or Considering CC from banks: any

6. Others: Getting a replacement for my RHB Classic either it will be come my primary CC or secondary depends on the card's benefits. I am doing full payment on statement balance monthly

7. Estimated Spending per month with the card: RM1K-RM2k

hi there,

please advise on my second credit card choice.

1. Annual Income: RM48 to RM60K.

2. Free Lifetime Annual Fee: Must.

3. Card required for: Heavy usage on Petrol, Cash Back/Rebate Only, Dine-in, gadget shopping , automotive shopping.

4. Existing credit cards if any: Eonbank Platium.

5. Preferred Bank or Considering CC from banks: please suggest.

6. Others: Please be specific. Example: I only want to pay amount due with my RHB online savings account or transfer payment & I want cash back only and no reward points.

7. Estimated Spending per month with the card: RM1K to RM5K.

1. RM30K to RM36K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Cash Back/Rebate Only.

4. Existing credit cards if any: PBB & AEON.

5. Preferred Bank or Considering CC from banks: Maybank / Easy online.

6. Others: Please be specific. Example: I only want to pay amount due with online savings account, I also want cash back and reward points.

7. Estimated Spending per month with the card: RM1K to RM5K.

hi there,

please advise on my first credit card choice.

1. Annual Income: RM35 to RM40K.

2. Free Lifetime Annual Fee: Must.

3. Card required for: usage on daily item, dining, shopping, else spending (1 card for all) .

4. Existing credit cards if any: PBB dayd 2 day debit card

5. Preferred Bank or Considering CC from banks: please suggest. i know you will recommend ocbc titanium card but ocbc far from me

6. Others: Please be specific. Example: i want one CC that good for me to use. currently i using my pbb debit card. kindly enlight me why should i need a credit card

7. Estimated Spending per month with the card: RM1K +/-.
*

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Added on August 24, 2011, 1:58 ampicked uob one card ( classic) via online... is it ok? thanks anyway

which one better? ocbc titanium mastercard or uob 1 card?

Hi, quickie, can I apply Maybank CC during the weekend? Or must it be on weekday? Cause tomorrow got extra 2 meeting liao.. zzzz

Hi,

I'm newbie in this forum and credit card application. 
1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: , Cash Back/Rebate Only, Overseas Transactions, Dining and Online Transactions. Some time for some entertaiment such as sing K and movie.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Any bank that suitable for me. Most important is convenience to make payment.

6. Others: I just want to know what is the best card for a new card holder.

7. Estimated Spending per month with the card: Less than RM1K
Thanks for anybody that help me 

  Thanks for your suggestion. I know there will be no best credit card. I just do not want to select the wrong card issuer to use with. I will try to apply for it. Is it the best to apply two bank at the same time?

hello cc expert! i would like to apply my first credit card and i need it before oct 15 as im going to travel to aussie for 2 months. some bank told me that im not going to get it by oct 15 as im just started working on July 4....any opinion on which bank will accept my application?

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol, Overseas Transactions, Cash Rebate

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Nil

6. Others: Nil

7. Estimated Spending per month with the card: RM1K to RM5K

please recommend me good c/card for:

1. Annual Income: RM24K
2. Free Lifetime Annual Fee: yes
3. Card required for: Petrol and point reward (more to esso & petronas occasionally)
4. Existing credit cards if any:none
5. Preferred Bank or Considering CC from banks: Any banks
6. Others: -
7. Estimated Spending per month with the card: Less than RM1K

Need help from sifu here. thanks :-)

1. Annual Income:RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , installment plan.

4. Existing credit cards if any: Aeon Jusco Credit Card.

5. Preferred Bank or Considering CC from banks: No Idea(need your help)

6. Others: None.

7. Estimated Spending per month with the card: Less than RM1K

thx dude!any other suggestion??

1. Annual Income: RM100K and above
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Good Purchase
4. Existing credit cards if any: Maybank classic (4 years but limit still 8k)
5. Preferred Bank or Considering CC from banks: none
6. Others: must offer high limit
7. Estimated Spending per month with the card: RM5K to RM10K

I glanced few times to double checked if it was really fruitie that posted here

I think you should get the OCBC Ti. Probably the best card to go with M2C. It does not really have attractive installment plans but for you have Maybank for that.

Before getting the Ti, I used to wait till the weekend to swipe everything. I even pumped RM 5 before on a Friday just to bring me home and pump full tank on a Saturday. (tallking about kiasuness ) But since I gotten the Ti, I alternate those cards between weekdays and weekends and I think it is working quite well so far.

i into this dilemma when choose my first card, after analysed Mr. Gen-X posts, my final conclusion based on my spending pattern would be

ocbc ti card (too ugly dont want it even good cash back)
maybank 2 platinum (salary not enuf , gold = ugly as platinum got 2 hole there dont know want to do what)

uob one card -chosen due to suits my need and nice card design
at first i applied uob one classic since i dint find out any difference between platinum because classic require less commitment also.
however, when come they straight give me uob one plat, i call the uob cs to activate they say my salary they give me plat and they say classic later the max credit limit only 15k, (what hell i need CL over 15k but haiz since they give then i mai use lor, scarfe they cannot reach quote then help help them la).. whole process took 1 month after i applied online coz its my first CC, complete document i send them by mail but forget my IC (LOL, email them later), then wait a few day they ask me for utility bills coz they say want confirm my address.

(got some debit card before this la, so drag so long no CC since i not big spender those time, just rctly started spend like flow water and just understood CC got cash back help save some meal money)

started using it kao kao instead of my public bank day2day card liao... been go spend alot in sushi king x2, guardian, maxis, digi, for just 5 days started use, walao.... this card really make me have a feeling spend more save more lol... but all is necessarily expenses la.. (i make myself believe it) 

wonder they have uob one classic card anot? never see the design in internet.

Hi Gen-X

1. Annual Income:  leave blank.

2. Free Lifetime Annual Fee: A Must .

3. Card required for:  Cash Back/Rebate Only,

4. Existing credit cards if any: Citibank Clear Card

5. Preferred Bank or Considering CC from banks: UOB 1 Card or OCBC Titanium. Maybank AMEX doesnt seems suitable due to weekday spending more

6. Others: Looking to replace Citibank with cash rebate.
Preferable getting RM150 cash rebate based on below spending and no CAP.

7. Estimated Spending per month with the card: Average 3K
30% from Foods, 10%Petrol, 8% Telco, 10% Gym&Insurance, 42%Others.

I don't think Maxis can pay by AMEX online?

Just started working, planning to apply one cc for convenient
1. Annual Income: ~40-50k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate
4. Existing credit cards if any:  Nil.

5. Preferred Bank or Considering CC from banks: Maybank
6. Estimated Spending per month with the card: Less than RM1K

hi sifus!

need some advise on choosing the right credit card for me.

Below is the details....
1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: prefer the free fee. but acceptable annual fee is ok for me

3. Card required for: Petrol, Hotel, Shopping, Paying bills, etc

4. Existing credit cards if any: This is my first time

5. Preferred Bank or Considering CC from banks: Any

6. Others: I travels a lot (around malaysia only)

7. Estimated Spending per month with the card: RM1K to RM5K
thanks in advance! cool.gif

1. Annual Income: less RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, Don't Know.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: List the Banks or List the card(s): No.

6. Others: Please be specific. Example: Looking for Maximum benefit card

7. Estimated Spending per month with the card: Less than RM1K
thnx

hmm..
i was thinking about this 3 cards, OCBC Titanium Vs Maybank 2 Gold Vs UOB 1 Card
which one is the best by looking at my criteria as quoted above ?
any opinion?

or there is another option? 

hi..my application for citibank clear card got rejected. ='(
why is that? is rm2.1k monthly which adds up to rm25200/annum not enuf to get it approved?

thanks for your info.... very precise and to the point... like a personal CC consultant tailored to the point... and thanks others for their view also...  

my first credit card i get the basic 1 to explore the world... i will apply 1 more sooner or later..

i applied house loan with pbb they give me pre-approved CC , although i tell them i dont need it but they ask me to sign it.... later when i received it i dont activate it will not charge gst right? how i can cancel that card, can phone them to cancel the card??

the next card i will get probably i will get m2 amex gold, later when more salary can upgrade to plat?

but after i back from kl, i feel i need a card with travel protection and lounge access... based on my spending pattern, which 1 suits me where worth me take it?