Alliance Bank Cash Back Platinum Card just 60K min. Annual Income Requiment...
U can Enjoy Unlimited Complimentary Access to KLIA Plaze Premium Lounge with This Card
https://forum.lowyat.net/topic/1973206/+2200 MyPost#2214

1. Annual Income: RM60K or RM60K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol, cash back, utilities(tm,tnb,astro), sometimes shopping, retail

4. Existing credit cards if any: maybank platinum 2cards, bank rakyat gold(just terminated)

5. Looking at CC from: any that could provide good cash back

6. Others: Please be specific. prefer cash back as rewards point (maybank 2plat already have 5x points).
Heard OCBC titanium is quite good but how to have the utilities cashback because i do not own their saving acc, still can pay online?

Yes, OCBC Ti is a good choice. Best combo ever M2Card + OCBC Ti. I have both and love them a lot.
Yes, can pay using GIRO. I don't have savings account with OCBC as well, I pay my bills via Maybank2U. Moreover, from 2nd March onwards, the GIRO service charge is just RM 0.10 per transaction.
Used to be RM 2.00 from Maybank to OCBC.
They don't credit in your cash back to your account, they offset the amount from your monthly statement. Just like M2Card.

OCBC Ti link: https://forum.lowyat.net/index.php?showtopic=2703542

p/s: OCBC Ti has annual fees but can be easily auto-waived with just 12 swipes in a year.

This post has been edited by fruitie: May 18 2013, 01:05 PM

you're saying paying to your OCBC cc bill using m2u right.

i was refering to paying utilities bill using OCBC cc? How to do it if i dont have saving acc with them?

Normally i pay my utilities using m2u and pay via maybankcard.

Yes, can. I also pay my DiGi and Maxis bill via OCBC online and charge to my OCBC Ti.
You can select from the portal. Even easier if you don't have OCBC savings account because you won't click wrongly, and it straight charges to your credit card.

This post has been edited by fruitie: May 18 2013, 01:42 PM

Oh really? so, i do not need OCBC saving acc to enjoy their OCBC online banking..

that's great.!!

tx alot...

1. Annual Income: 70k

2. Free Lifetime Annual Fee: A Must/ able to waive

3. Card required for: access to KLIA Lounge as im traveling alot

4. Existing credit cards if any: maybank platinum 2cards, OCBC Ti

5. Looking at CC from: Citibank Platinum card and alliance plat card.

6. Others: since im using maybank and ocbc for all my transaction. Im just looking for a card the grant access to lounge.

1. Annual Income: 40k
2. Free Lifetime Annual Fee: optional
3. Card required for: petrol, bills, utilities, mobile, GSC & TGV cinemas
4. Existing credit cards if any: nil
5. Looking at CC from: any except OCBC Titanium. previous application got rejected.
6. Others: prefer cashback credit card. Is Citibank good enuf? or any better card?

My Recommendation...
i) Alliance Bank Cash Back Platinum Benefits as Bellow :
•0% Finance Charge for first 3 months
•Up to 2.0% cash back* on retail spend
•2x Timeless Bonus Points on overseas spend
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within
a 12-month period
•Exclusive privileges and discounts at participating merchants
•Instalment Payment Plan at 0% p.a. interest rate at participating merchants
•Unlimited Complimentary Access to KLIA Plaze Premium Lounge
•Customer Service Hotline Assistance
•No lost card liability upon reporting
•Worldwide recognition and acceptance
More on Platinum Card: http://www.alliancebank.com.my/Personal-Ba...tinum-Card.aspx

ii) Citibank Platinum Card Benefits:
*5x Reward Points
Yeah, You can Earn 5x Citi Rewards Point at Selected Dept. Store & Supermarket or Hypermarkets with Citi's Platinum Card
But, the 5x Rewards Points is Capped at $3000/month, after which, It will be back to 1x Rewards Points...
*Complimentary Plaza Premium Lounge
Present your Citibank Platinum card for complimentary access to the Plaza Premium Lounge in KLIA, Langkawi International Airport and Sultan Ismail International Airport (Johor)
*Complimentary Travel Insurance
*Platinum Rewards and Redemption with Redeem Anything Anywhere Feature
*Platinum Purchase/Refund with Extended Warranty Protection Plan
Pls, Refer to : http://www.citibank.com.my/english/credit-...rCode=MYCCLNPLC more on Citibank Platinum Card

iii) Hong Leong Visa Signature Card
*1% Cash Rebate
*DOUBLE Bonus Plus Points
Earn Fast Track and unlimited Bonus Plus Points with 2 Bonus Plus Points for every RM1 spent abroad, 1.5 Bonus Plus Points for every RM1 spent locally
* Frequent Flyer Rewards
* Unlimited Access to Plaza Premium Lounge
*COMPLIMENTARY Personal Protection Plan & COMPLIMENTARY Travel Accident Insurance
*Annual Fee($600) Waiver- AF will be waived with a minimum cumulative spend of RM30,000 per annum for subsequent year(s)
Details on HLB Visa Signature: http://www.hlb.com.my/pfs/cc/cc_visa-signa..._visa-signature

While OCBC have Reject You, Why Not You still can Consider These Cards:

i) Maybank 2Cards the Best Card in Town
It's FREE for Life with Timeless Treat Point with No Expire...
*The benefits of 2 cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, and 1 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.

ii) The Best Card for NEWbie- UOB One Platinum Card a Pure Cash Back Card
You can Earn Cash Rebate ON:
* 5% for Petrol (Limited to Total Purchase of $600 every Month Entitled for Cash Rebates, Cash Back capped at $30 per month)
* 5% for Cinema at GSC only
* 2% for Groceries (Limited to Total Purchase of $1500 Per Month Entitled for Cash Rebates it capped at $30 per month.)
* 2% at Pharmacies
* 2% for Telecommunication Bills (Limited to Total Bill of $300 Per Month Entitled for Cash Rebates)
& 0.3% for all Other Purchase

iii) If You like Coffee or suka go on Movie (Weekday), You can also Consider Citibank Clear Card
Benefits of Citibank Clear Card (Timeless without Expire Reward Point Card):
*Friday Buy 1 Free 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

This post has been edited by fly126: May 21 2013, 04:05 AM

between UOB and Maybank2Card, which one is more recommended?

Depends on Your Spending Pattern...
Both Can Not be Compare they totally Different Type of Card: 1 was is Pure Cash Back Card, Another 1 More in Reward Points based Card
But, MBB 2Cards You earn 5% Weekeend Cash Back & 5x Reward Points with the Amex & its Free for Life with NO T&C's apply to...

This post has been edited by fly126: May 20 2013, 05:42 PM

but UOB can get 5% everyday rite?

Yes but only applicable for petrol and movie (GSC)

1. Annual Income: RM34k

2. Free Lifetime Annual Fee: A Must

3. Card required for: AirAsia/MAS , easy isntallment plan and online hotel booking

4. Existing credit cards if any: 1st time apply

5. Looking at CC from: Maybank/CIMB

6. Others: Please be specific. I'm Gov servant work in sarawak, need credit card to buy cheaper ticket early to back to hometown because sometimes i cant use cash to buy cheap ticket during promotion period..

This post has been edited by apisfires: May 22 2013, 09:28 PM

1. Annual Income: RM40K
2. Free Lifetime Annual Fee: No
3. Card required for: Petrol, Bill, Cash Back/Rebate, Dining, Movies, Overseas Transaction
4. Existing credit cards if any: No, first time applying
5. Looking at CC from: Any bank
6. Others: First time applying credit card. Need CC for business trip overseas (twice a year).

1. Annual Income: According to Borang EA, last year earned 29,919 (basic, allowance and ot)
2. Free Lifetime Annual Fee: If waived, better. If not, dont mind.
3. Card required for: Groceries, petrol, movies.
4. Existing credit cards if any: No, first time applying
5. Looking at CC from: Any bank
6. Others: Applying for CC because when I apply for loan they say I'm too "clean". No loans, no cc card. Suggested to apply for a card. Just kinda need advice on which one to apply. The card will be used to buy groceries (pay immediately, just to collect points and rebates maybe). And maybe buy some stuffs using the 0% installment plans. Would really appreciate it if can point to whichever suitable cards.

https://forum.lowyat.net/topic/1973206/+2200 Check on Post #2210

Refer to Post #2217...
CIMB Petronas Gold MasterCard
■No Annual Fee
■Earn up to 8% cash back at PETRONAS Stations
■0.5% unlimited cash back on other retail transactions
■Complimentary ZING card

Pls Refer to: https://forum.lowyat.net/topic/1973206/+2200 Post #2209

This post has been edited by fly126: Jun 3 2013, 01:26 PM

Hi all, I am new here and trying to figure out this. PLease help.


1. Annual Income: Around 35k
2. Free Lifetime Annual Fee: Yes
3. Card required for: Shopping, Dining, Movies, Cash back, rebates.
4. Existing credit cards if any: No, first time applying
5. Looking at CC from: Any bank (May I what does this mean?)
6. Others: I need a card for mostly for general purpose and most likely be going out during weekends for shopping and dining.

Maybank2Kard.

The Amex will earn u 5% rebate on weekends. (capped at Rm1000 spending / Rm50 rebate per month)