1. Annual Income: RM30K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. UK Visa application (1 time), KLIA, England, Scotland, (Groceries, IT gadjets etc all in UK)

4. Existing credit cards if any: Nil.

5. Looking at CC from:

6. Others: Please be specific. I'm will be migrating to UK for 3 years full time, so i need to use pay pal, cc for daily usage. Maybe most of online. I'm also will paying house loan in Malaysia under Public Bank Malaysia and also car loan under Ambank. But both are under my wife's name. Is it possible?

Please advice

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

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

This post has been edited by exkaizen: Mar 19 2013, 03:31 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.

Thanks in advance.

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.

You may refer to my previous post as Mbb2 cards + Ocbc Titanium are the best combo CC at this moment.

Hello, would appreciate some help to decide on my first credit card. Details as follow:

Annual Income: RM55k

2. Free Lifetime Annual Fee: Ideally, but not necessary

3. Card required for: Mostly petrol, shopping, food, drinks

4. Existing credit cards if any: Nil

5. Looking at CC from: Looking at Citibank/Maybank/CIMB/ any bank at all if better

6. Others: -

Thanks!

Mostly, I will Recommend Maybank 2Cards & OCBC Titianum Card the Best & Most Popular Cards so Far now...

i) Maybank 2Cards: http://forum.lowyat.net/topic/2641365
ii) OCBC Titianum Card: http://forum.lowyat.net/topic/2703542

& You also check on Citibank Clear Card's Benefits on my Post #2149 pg 108, Post #2165

Had a chat with maybank officer at Ara Damansara branch just now. He said effective this year, their credit card requirement would be min RM36k per year.

Just fyi. Maybe somebody ought to reconfirm this at other branch/card centre

hi all sifus, wanting to apply my first credit card, any advise?

1. Annual Income: RM33600 per year

2. Free Lifetime Annual Fee: Better if available

3. Card required for: petrol/online shopping/store purchase

4. Existing credit cards if any: Nope

5. Looking at CC from: citibank/maybank

6. Others: looking for a credit card with many in-store purchase discount on clothing and dining, movie promotion

Please Refer to Post #2173 for Your CC Recommedation...

Hello, would appreciate some help to decide on my first credit card. Details as follow:

Annual Income: RM47k

2. Free Lifetime Annual Fee: must

3. Card required for: balance transfer, installment.

4. Existing credit cards if any: mbb2,cimb classic.

5. Looking at CC from: thinking of upgrading cimb, cuz of their installment and balance transfer is not bad on interest. But still, is there any better card? looking for lowest interest on 12month and above for balance transfer or installment flexi plan.


Thanks!

What card is good to have? Maybe which one has best redemption.

1. Annual Income: RM100K < per year

2. Free Lifetime Annual Fee: Better if available

3. Card required: I am a banana I pay everything by card I would pay Rm2 by card if I could

4. Existing credit cards if any: HSBC, UOB, CIMB ENCH

5. Looking at CC from: Suggestions?

6. Others: nil

This post has been edited by snackmonster: Apr 8 2013, 03:49 AM

1)annual income - rm30000(before deduction)

2)free lifetime annual fees - yes if have

3)card required for - spare card or second card ( use more on hotel and dinning)

4)exisiting card - uob one

5)looking at cc from - all accept uob

This post has been edited by 13aby: Apr 12 2013, 07:17 PM

1)annual income - rm55000, if Commission is inclusive will be >100k

2)free lifetime annual fees - yes

3)card required for - for installment purpose on buying future house furtniture, electronics and etc ( Monthly use more on hotel and dinning, pump petrol)

4)exisiting card - PBB gold card, HSBC Signature (Subcard), CIMB Signature (Subcard)

5)looking at cc from - Please suggest

**My question = How much is the limit normally for the range of earning RM55000 per annum or 100k(if inclusive comm)?

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.

This post has been edited by red4900: Apr 25 2013, 10:49 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.

If just want to have an backup card , go apply the cc at your nearest bank will be the best option.

Mbb2 Gold card will be the best card for you.

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Petrol ,groceries and IT gadget

4. Existing credit cards if any: Nil

5. Looking at CC from: No preferences

6. Others: Nil