Hi all,

Please advice

1. Annual Income: 40k

2. Free Lifetime Annual Fee: waive with 12 swipes

3. Card required for: cc used for oversea spending (company trip), lower conversion rate, and safety

4. Existing credit cards if any: none

5. Looking at CC from: Any bank with good customer service

6. Others: i wish for a bank, if there is fraud on the card or transaction above a certain amout, they will call me and ask for my permission to approve the transaction. I highest piriority in a cc is the safety.

Thanks
Equal

Annual income : rm24000
Free lifetime annual fees: if have better
Card required for : normal usage for credit card such as petrol , dining n etc
Existing card : uob one
Looking at cc from : any accept maybank and citi
Others: hlb and rhb rejected me , mayb my uob payment not nice ?

Annual income : RM76K
Free lifetime annual fees: yes
Card required for : shopping (mostly 1U and Sunway Piramid), dining, petrol, supermarket, utility autobill deduction (almost everything that can swipe)
Existing card : HSBC Visa Platinum
Looking at cc from : Cashback and/or Best point redemption
Others: HSBC piss me off - look for alternative card

Hi, hope any sifu can advice me. I have been offered CIMB Petronas Platinum. but dont know the good thing from the cc. I want to cancel the cc if dont have any good, and what cc should I go gor?

1. Annual Income: 42k

2. Free Lifetime Annual Fee: a must

3. Card required for: priorities petrol and groceries

4. Existing credit cards if any: nil

6. Others: stay in kuantan

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

Noobie needs some advice here!

1. Annual Income: RM33K

2. Free Lifetime Annual Fee: A Must

3. Card required for: *By priority* Cash Back/Rebates for Petrol (Esso), Bills (Maxis/Great Eastern), Movies (GSC), Supermarket (Tesco), Dining, Shopping (Less) and ease of bill payment (via Maybank2u)

4. Existing credit cards if any: None

5. Looking at CC from: OCBC looks good for me but got rejected on my first try last year. Maybankard (i only have Maybank & PB accs).

6. Others: Any card that can give me maximum cash-back/rebates for my everyday expenses as stated above!

This post has been edited by accelerator7: Feb 24 2013, 01:08 AM

Citi they need epf min deduction for 2k a month my deduction is below that cant get

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

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: depends

3. Card required for: for installment (electronic for new house), bills, groceries

4. Existing credit cards if any: None

5. Looking at CC from: any

6. Others: Any card that can give me maximum cash-back/rebates for my everyday expenses as stated above!

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: depends

3. Card required for: for installment (electronic for new house), bills, groceries

4. Existing credit cards if any: None

5. Looking at CC from: any

6. Others: Any card that can give me maximum cash-back/rebates for my everyday expenses as stated above!

Hmm ya cox uob they accept total salary ..citi want basic min 2k my total 2.3k also reject cox basic low

1. Annual Income: RM65K

2. Free Lifetime Annual Fee: Ok. Usually annual fee can be waive.

3. Card required for: Travel oversea, shopping

4. Existing credit cards if any: CIMB Petronas Gold, UOB One Platinum & Citibank Shell Gold(gotta cancel this soon)

5. Looking at CC from: Citibank, HSBC

6. Others: Airport lounge, reward, cash back.

*Applied HSBC Visa Signature last few month but kena reject twice.

1. Annual Income: RM41k

2. Free Lifetime Annual Fee: Preferable

3. Card required for: Travel oversea, shopping, telco, online retail shopping

4. Existing credit cards if any: CIMB Petronas Gold (just terminated) & citibank clear master

5. Looking at CC from: Citibank cashback plantinum, UOB one card

6. Others: cashback, no petrol spending, mostly all shopping, movie, phone call, online retail like groupon..

Just want to apply UOB one card n citibank cashback.. Pls quote which is the most suit me

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

1. Annual Income: Above 30k

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol (Shell), Dining, Groceries

4. Existing credit cards if any: No

5. Looking at CC from: Benefit/Advantage in advanced.

6. Others: Low interest, cash back. Been browsing the previous pages, currently quite interesting on Maybank and OCBC titanium...

Please advice me as I'm really in dilemma now.

Appreciated much for your kind opinion

1. Annual Income: <RM200k

2. Free Lifetime Annual Fee: Would be ideal but if no, i need free for at least the 1st year

3. Card required for: access to plaza lounge in klia/lcct and overseas

4. Existing credit cards if any: HLB plat and SCB bus plat but going to terminate one of them soon

5. Looking at CC from: anyone who fulfills my item no. 3

6. Others: need this card up and running preferably by end of this month

thanks.

so far from what i gathered, the following are the best???
1. HLBB Visa Signature
2. Citibank Premiere Visa
3. CIMB Visa Signature

This post has been edited by kochin: Mar 7 2013, 04:57 PM

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

1. Annual Income: RM26k

2. Free Lifetime Annual Fee: The best that with minimum usage to waived is good enough.

3. Card required for: Emergency, Point Collection, EPP service for electronics and household stuff, petrol and also maybe online purchase?

4. Existing credit cards if any: NIL

5. Looking at CC from: Any Bank as long the service is good Enough and rewards are worth looking out for...

6. Others: Tesco,Travel, Rewards, or cash back.

*Never applied any of this before, just gotten my salary to 2.2k monthly 2 mth ago..