1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: Not necessary, but preffered depending on perks.

3. Card required for:
Ranking in terms of needs:
a. Petrol
b. Toll
c. Cash Back/Rebates.

4. Existing credit cards if any: Direct Access (Gold), Eon Bank GSC (Gold)

5. Preferred Bank or Considering CC from banks: happy to consider any bank that gives more bang for my buck. (or be a slave to the bank)

6. Others: Can live without rewards or cash back, preferred mode of banking: online.

7. Estimated Spending per month with the card: approx RM1K

Since you have DA and EON already, get Maybankard 2 Amex and OCBC Titanium. combining both you can get up to RM100/month cash back.

---

Added on April 16, 2011, 4:32 pmFirstly, MBB minimum income requirement for thier cards start at RM30,000. So for now I guess it will be tought for you to qualify for one since you only have started work and no existing credit cards.

Try apply for following cards:

1) Ambank Carz CC where you get 2% cash rebate at all petrol station but capped at RM20/month.
2) UOB OneCard where you get 2% Smart$ Cash at BHP
3) Public Bank Esso Click here to PBB website.
4) Citibank Clear Card but you get nothing for petrol or Citi Air Asia if you fly with Air Asia.
5) SCB Gold Card but you get nothing for petrol. Check out their website, you get cash if your application approve.

Also look into Alliance Bank Classic card where they do give cash back based on tiers. Click here to view Alliance CC cash back tiers for Classic, Gold and Plat.

Else get PBB Esso Debit Card.

Recommend that you read my very first post at my blog on credit card titled Introduction to Credit Cards - CC101

Also read this Malaysia Credit Card Anuual Income Requirement. There is a table there where you can refer to based on your income and then go to the bank website for further info.

This post has been edited by Gen-X: Apr 16 2011, 06:24 PM

Can you help?

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: No preference

3. Card required for: mild shopping

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: No preference

6. Others: I have applied recently with cimb, but got rejected, dunno why? a friend with 30k income approved, mine 44k got rejected.

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

With income RM40K, you can qualify for Maybankard 2 Cards and OCBC Titanium. Try apply this two.

Hi all,

May I know when is the Maybank2 Mastercard will be available?

It is already available now.

Wow seriously, sounds like a good deal.

Thanks for the advice.

Hi. please suggest cc for me. thanks.

1. Annual Income: RM34K (main income with payslips)

2. Free Lifetime Annual Fee: Must~

3. Card required for: Mainly for Shell Petrol/hotel payment/Groceries

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: prefer CIMB as i don't have other bank, can do online transaction.

7. Estimated Spending per month with the card: <RM2k
*

This post has been edited by jetjet: Apr 18 2011, 04:24 PM

Unfortunately there is no card from CIMB giving you anything for Shell petrol but the Gold card does give you rebate for Groceries on Sundays only for limited time.

If you really want CIMB, then apply for it. Click here to read more about Free Annual Fee cards which include CIMB cards in my article titled Best Credit Card - Is There Really One?

My recommendation for you is Maybankard 2 Gold Cards where you get cash back and points for both Petrol, groceries and everything else.

Click here to MBB 2 Thread.
Click here to Petrol Thread.

When you free, read the following articles posted in my blog, may be useful since you are new to CC.

Click here to read my article Introduction to CC.
Malaysia Credit Card Annual Income Requirement.

This post has been edited by Gen-X: Apr 18 2011, 06:18 PM

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Education, Cash Back/Rebate Only, AirMiles, Emergency usage, etc

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Any

6. Others: Online transaction

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




thanks

For Education, OCBC Great Eastern Card do offer cash rebate but the minimum income requirement to qualify is RM36,000 pa. Click here to OCBC site to read more on the card.

As for petrol, please go to petrol thread by clicking here and read posts above e.g. post#222 and #157

Best if your salary near RM30K, go apply for Maybankard 2 Gold Cards where the Amex card gives you 5% for petrol except that it is generally not excepted at Petronas.

Ya, in market not have many cc pay retail/petrol can have point/rebate.
Many of the cc just for petrol alone got point or retails alone got point. Unlike MBB2cards Amex

To be more precise, no other cards offer points + rebate except MBB2 AMEX!
Readers here should manage their expectations better, hope that will happen if they read more of our contributors post. (esp Gen-X posts)

i would like to know which card is the best bang for buck now. thanks
1. Annual Income: RM38K above
2. Free Lifetime Annual Fee: A Must
3. Card required for: Cash Back/Rebate, online transaction
4. Existing credit cards if any: Nil
5. Preferred Bank or Considering CC from banks: Any
6. Others: low interest rate, good customer services
7. Estimated Spending per month with the card: Any

You are qualified for OCBC Titanium and Maybankard 2 Gold
You will need the OCBC Ti to pay bills online in order to earn 5% cashback.

Maybankard 2 Gold
Free Lifetime Annual Fee

1. Annual Income: RM 31k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, online shopping, airline flight

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: CIMB

6. Others: Just want to use the credit card as back up and for petrol. Not intended to use it heavily.

7. Estimated Spending per month with the card: Less than 1k

Annual fees are always 'free' in 1 way or another. Even if the bank does not offer upfront, they will always waive it if you threaten to cancel the card. So dont worry bout annual fees. Ive never paid any annual fees since i got my credit card 11 years ago.

hi Gen-x.
thanks for the reply.

Must i have an account in Maybank before applying for CC? I read your blog about CC and u said that u didn't have any banking accounts with Maybank.

Even without annual fee we are still being charged for RM50 right?

u don't have to have an acc with MBB b4 applying
and the RM50 is GST, so it will be charge