Can I apply credit card with my salary/pay slip instead of EPF?

because my company epf report lower <24k pa and all contribution is readjust to increase my salary after adjustment.
.
1. Annual Income: Around 30k
2. Free Lifetime Annual Fee: Yes
3. Card required for: Air fare ticket like airasia/mas. Petrol. Shopping
4. Existing credit cards if any: No, first time applying
5. Looking at CC from: Any bank
6. Others: my spending mostly on petrol (Shell), using bonuslink n cash only. whereas for airasia and Mas, i use big shot loyalty card and enrich miles.

This post has been edited by David900924: Jun 4 2013, 01:32 AM

With min. Income of $24,000 p.a You can have Standard Chartered WorldMiles MasterCard Credit Card which can Earn You Worldmiles Point on Your Spending & Redeem IT for frequent flyer miles like Malaysia Airlines Enrich Miles, Singapore Airlines KrisFlyer Miles and AirAsia BIG Points. But, You have to Pay $15 Monthly Fee for the Card ($15 x 12 months + $50 GST= $230)

For Another Option or Recommendation of Air-Miles Card , pls Refer to the Link below:
https://www.ringgitplus.com/blog/credit-car...travel-for-free
http://www.standardchartered.com.my/person...es/aboutwm.html

Btw, Most the Bank now Refer to EPF's Submission 1st or Some of Bank Just Need You EPF' Printout Only on Credit Card App ...
(Your EPF Employee's Contribution Must have min. $220 = the Income of $2000/- per month OR $24,000 a Year as the Min. Income Requiment)

But,You still can Apply Credit Card With Providing Extra Document to Bank to make It More Secured, try to give them 3 months Bank Statements which can Show ALL of Your Actual Earning (Salary) Credit to (Your Payroll Account) Every Month as Your Supporting Document (beside Payslip & EPF's Printout) to Convince the Bank that, You Betul-betul Earn That Much $$$...

But... Long before that, 1 of Forummer here got the card with Gross Monthly Income although His/Her EPF Submission NOT based on $2000 ($220)

Hope It Helps

This post has been edited by fly126: Jun 4 2013, 04:14 AM

Thanks, but tat standard chartered worldmiles sound like for people fly every weekend, i only fly once every quarter. Currently most of my spending goes to petrol

Then, You have Refer to: https://forum.lowyat.net/index.php?act=ST&f...973206&st=2200# pls, Check My Post #2209-10 for MY Others Recommendation...

This post has been edited by fly126: Jun 4 2013, 01:30 PM

for long term, rewards point or cash back credit card earn more?

Pls refer to: https://forum.lowyat.net/topic/1973206/+2220 Post#2223

Dear Readers

In this section, questions are to be properly formatted as per the format in #1. Any posts not following format will be removed immediately without prejudice.

I have repeatedly post this reminder and (as usual) they will be always be someone who will break it.

1. Annual Income: RM 48k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Overseas Transactions (online shopping)

4. Existing credit cards if any: CIMB PETRONAS Platinum, Citibank Rewards Platinum

5. Looking at CC from: Maybank2Cards; Any with good cash back rebate

6. Others: Most of my CC expenditure were spent on online shopping. My current CC don't really provide a good cash back on my spendings. Need advice to choose a better CC before terminating my CIMB CC...

My BEST Recommendation:

1) 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

OR
2) 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 1 sign up, 1 service tax, & 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
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

OR
3) 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 $300 Per Month Entitled for Cash Rebates)
& 0.3% for all Other Purchase
*Enchanted with SMART$ Cash Rebate Privileges


This post has been edited by fly126: Jun 22 2013, 11:13 PM

You can consider HLB Wise card as it provide 10% cash rebate capped at Rm100/month but you need to swipe 10 times retail transactions that >= RM50 to activate the cash back. Please correct me if im wrong.

Thanks for the fast reply! Yea. I think I'll go for Maybank2Cards as it gives 5% cashback on any retail purchase, but only on weekends. I think I can live with that
For OCBC and UOB CC, I'm pretty sure the stuff I'm buying (action figures) doesn't fall into any categories designated

Yea it sounds attractive at first glance, but the minimum 10 times swipe with each swipe >= RM50 is the thing that bugged me, alot. I don't do that much of transactions every month. Plus we have to select the categories (1 or 2 categories, can't remember) to enjoy the rebate. Anyway thanks for the feedback. Appreciate it!

You must understand that the 5% rebate comes from AmEx and definitely it has lower acceptance rate compared to Visa or MasterCard. Normal Malaysia's merchants still prefer Visa and MC.

The best combo is M2Card + OCBC Ti and I'm sure many would have agreed with me. Since your income fulfills for that, I will suggest you to couple it with M2Card.

I'm using both now and still can't find any other better card that can compare with this combo.

Agreed, Good Point...

Ah, I see.. Thanks for the suggestions
Luckily the online shops I frequent accept AmEx

To all members, in this section - I am less likely to allow discussions as there are other thread which are able to accomodate card discussions. As such, anyone posting irrelevant posts will see it to be removed without prejudice.

Hi guys need ur advise, first time apply Credit Card

1. Annual Income: 30K++

2. Free Lifetime Annual Fee: A Must

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

4. Existing credit cards if any: Nope

5. Looking at CC from: HSBC

6. Others: As due to first time applying credit card, I'm not really sure what and which banks suitable for me. Plus I dunno what are charges are included on the credit cards?

FYI, HSBC Credit Card You Need Min. Income Requirement $36,000 a Year baru can Apply..

Eh sorry, wrongly calculation, my income is 42K. Tot one year got 10 months haha

The Benefits of HSBC Card actually NOT so Good if Compare with Others CC's...

I got other CC's Recommendation Here, Pls refer to: https://forum.lowyat.net/topic/1973206/+2240 My Post #2257

This post has been edited by fly126: Jun 13 2013, 12:00 AM

1. Annual Income: Around 50k
2. Free Lifetime Annual Fee: Yes
3. Card required for: Cash Back/ Petrol / Shopping
4. Existing credit cards if any: Maybank 2 card
5. Looking at CC from: Any bank
6. Others: looking for good cash back card can use during weekday for petrol / pay bill and shopping.