1. Annual Income: RM42k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Utility Bill, Medical Insurance, Shopping, Cash Back, AirMiles, Overseas Transactions(priority)

4. Existing credit cards if any: Nil

5. Looking at CC from: Any bank

6. Others:
(i) Do i need to have that cc online account for any online transactions?
(ii) I have personal loan to be paid monthly. Does this affect my cc application?

i) 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
ii) UOB One Platinum Card
Pls Refer to: https://forum.lowyat.net/topic/1922946

Pls refer to: https://forum.lowyat.net/topic/1973206/+2240 My Post #2257
6) I....NO, You also can Use Your Saving Account (online) for Fund Transfer, Bill Payment, Credit Card Payment, etc...As long You have Access to
(Sign-Up)Internet Banking
II...YES, but as Long You Pay IT on Time there will be No Problem with that

This post has been edited by fly126: Jun 16 2013, 12:29 AM

1. Annual Income: 28K++

2. Free Lifetime Annual Fee: A Must or can be waived

3. Card required for: Petrol, Dining, Insurance, Groceries, Cash Back/Rebate

4. Existing credit cards if any: Nope

5. Looking at CC from: UOB, OCBC

6. Others:

UOB One Card
FYI, OCBC Titanium You Need Min. Income Requirement of RM 36,000 a Year baru can Apply...
Pls Refer to: https://forum.lowyat.net/topic/1973206/+2200 My Post #2210 for More Detail on UOB One Card & My Others Recommendation

Hi, need recommendation

1. Annual Income: 40K++

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back, Points

4. Existing credit cards if any: RHB Evo (since Feb 2013)

5. Looking at CC from: Anything except OCBC & MBB

6. Others: Twice apply for OCBC & MBB and rejected. Looking for cc that hv cashback for online bills payment especially.

Ya, MBB 2Cards & OCBC Titanium were the Best Combo, but Both of the cards Need Higher Income Requirement- MBB 2 Cards ($30,000 p.a)
& OCBC Tit.($36,000 p.a)

As for UOB One Card You Just Need Income of $24,000 a Year to Get It...


UOB One Platinum
https://forum.lowyat.net/topic/1973206/+2240 My Post #2257

& Also,
Check Up for Hong Leong Bank Wise Credit Card, the Only Card that give You the Choice to Enjoy 10% Cash Back...
https://forum.lowyat.net/topic/2760395

This post has been edited by fly126: Jun 22 2013, 11:25 PM

Hi, I never had any CC before and would like to apply. Here are my details..

1. Annual Income: 30 - 33k

2. Free Lifetime Annual Fee: A Must (if No, how much is the fee?)

3. Card required for: EMERGENCIES (hospitalization, and incase short of cash towards end of the month @ awaiting salary) + Petrol + Groceries + etc

4. Existing credit cards if any: CIMB Mastercard (RARELY use, it's actually previous salary account meant for installments, now primary is RHB acc)

5. Looking at CC from: After doing some reading/research from many posts, interested with UOB One Card.

6. Others:
i. Will applying a CC affect my ongoing monthly installment? (CIMB acc for households and insurance, and MAYBANK hire-purchase acc for car; both payments always on time)
ii. FYI: All my bills are settled online. I use the BonusLink/Mesra card everytime during refill petrol at Shell/Petronas.

This post has been edited by futra: Jun 26 2013, 12:58 PM

1. Annual Income: RM 33k

2. Free Lifetime Annual Fee: Preferable but not compulsory

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

4. Existing credit cards if any: Supp Rewards Platinum by Citibank

5. Looking at CC from: Any bank that is legal

6. Others: I am looking for one card only, I don't wanna keep too many. I have looked at MBB 2 cards, they are good, but I wanna avoid having two cards as I don't like the hassle to maintain many, hence I would like to know my alternatives to MBB before deciding. This will be my first principle card...

MY Recommendation:
1st Maybank 2Cards
2nd UOB One Card
Pls, Refer to: https://forum.lowyat.net/topic/1973206/+2200 My Post #2209-10

& Last One, Hong Leong Bank Wise Card https://forum.lowyat.net/topic/2760395

This post has been edited by fly126: Jun 26 2013, 11:33 PM

Hi, im using maybank 2 cards now and i need second card because i have the amex RM50 weekend cashback covered with my almost RM1k TNB monthyl bill. So need other cards for optimum cashback/pts.

1. Annual Income: 55k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: All purchases, petrol, meals, shopping, travels, utilities being the major spending.

4. Existing credit cards if any: maybankard 2 cards

5. Looking at CC from: Any bank

This post has been edited by ntdote: Jun 29 2013, 09:10 PM

Get OCBC Ti, best card to couple with Maybankard2Card.
https://forum.lowyat.net/index.php?showtopic=2703542

1. Annual Income: RM24++k

2. Free Lifetime Annual Fee: A Must

3. Card required for: petrol, Cash back, Discounts,

4. Existing credit cards if any: NIL

5. Looking at CC from: Maybank and such.

6. Others: I want cash back only and no reward points.

UOB One Card, a Pure Cash Back Card
Pls Refer to, https://forum.lowyat.net/topic/1973206/+2200 Post #2210
& Also,
Check Up for Hong Leong Bank Wise Credit Card, the Only Card that give You the Choice to Enjoy 10% Cash Back...
https://forum.lowyat.net/topic/2760395

As for Maybank's Credit Card, You Need Higher Annual Income min $30,000 baru can Apply...

This post has been edited by fly126: Jun 30 2013, 11:41 PM

Thank you for your recommendations, I've decided to go with the UOB One Card. I've applied online last night, and the RM50 cash back promo is still on (extended?) from today till September. Waiting for a call from them today, hopefully everything goes well for my 1st CC.

Good Luck with Your Application...

1. Annual Income: RM40k++k

2. Free Lifetime Annual Fee: Preferebably

3. Card required for: Cash back, Discounts (Food and Retail)

4. Existing credit cards if any: NIL

5. Looking at CC from: Any

6. Others: I want cash back only and no reward points. Need not any for Petrol benefits too

yea boyfriend got maybank. thank u for your recommendation im gonna try check out both suggestion! this thread helps alot!

1) Maybank 2Cards
2) OCBC Titanium Card
Pls Refer to: https://forum.lowyat.net/topic/1973206/+2200 My Post #2209

& Also can Consider Hong Leong Bank Wise Card or UOB One Card
https://forum.lowyat.net/topic/2760395

This post has been edited by fly126: Jul 2 2013, 10:34 PM

Hi All,

Between OCBC titanium(5%) and Hong Leong Bank Wise Credit Card(10%), both also cash rebate till RM50 while another is R100. And of course both no points for each transaction.

Only disadvantage of Hong Leong Bank Wise Credit Card is that i'm able to select only two categories + mobile right?

Ya, 10% Cashback only applicable to 2 selected categories + Mobile (by default)