THx, will apply Hong leong bank card then.

Guru,

Thanks ahead for recommendation, I'm putting some detail on spending, appreciated if can you suggest the best card i should hold and which should remove?

1. Annual Income: RM100++

2. Free Lifetime Annual Fee: A Must

3. Card required for: petrol, Cash back, Discounts, Sub card for my wife

4. Existing credit cards if any: HSBC - going to cut, OCBC platinum & StandChart platinum - thinking of cancel, but got higher rebate on petrol, should I?

5. Looking at CC from: Maybank and HL.

6. Others : Petrol spend-RM400 per month, Grocery spend-RM1500, Insurance auto-debit - RM1500


This post has been edited by alvincks: Jul 7 2013, 01:04 AM

Maybank 2Cards or OCBC Titanium or UOB One Platinum....
Pls Refer to: 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: Jul 7 2013, 01:29 AM

Nvm

This post has been edited by rook-ie: Jul 7 2013, 08:22 PM

Currently I have OCBC Titanium, Maybankard 2 and Standard Chartered. I'm thinking to get another Citibank Clear card for movie purpose. Is it the best card for movie? Also, is there any card that offer more than 1% cash back for expenses (exclude from petrol, groceries, utilities), eg, car workshop, online shopping etc.

1. Annual Income: 41.5k

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol, Groceries, Pharmacy, Cash Back/Rebate, occasional online shopping

4. Existing credit cards if any: Nil.

5. Looking at CC from: Citi Platinum Visa Cash-Back vs OCBC Titanium MC Cash-Back vs HLB Wise CC

6. Others: recent college grad trying to save as much money as possible. monthly petrol rm200-rm300, groceries rm100-200, pharmacy rm50-100, dining/yamseng/others rm200-400;

Overall monthly CC spending should range from 550-1000. Worst case max is rm1500.

Thanks so much guys

Benefits of Citibank Clear Card (with Everygreen Reward Point):
*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


Both of You, Can Refer to Post #2291 https://forum.lowyat.net/topic/1973206/+2280 for Your Credit Card Recomandation

This post has been edited by fly126: Jul 8 2013, 03:52 PM

Thanks, btw do i qualify for maybank 2cards meh? site says 60k per annum income liao, gg le me..

EDIT: isn't the UOB card similiar to Citi's card?

This post has been edited by ak101ss: Jul 8 2013, 04:00 PM

They Still Have Maybank GOLD 2Cards just with min. Annual Income of $30,000 boleh Apply Liao....
Pls, Refer to : https://forum.lowyat.net/topic/2819354 for More Details

This post has been edited by fly126: Jul 8 2013, 04:06 PM

Hi, would like help in which credit card is much suitable for me.

1. Annual Income: 39600 ~ 51600 (Got extra some extra for now)

2. Free Lifetime Annual Fee: Doesn't matter, as long as below RM100

3. Card required for: Easy Payment Program on gadgets (0% interest), or Flexi Easy Payment, online shopping for games. If can add on for entertainment like movies, and singk.

4. Existing credit cards if any: Maybankard Manchester United Visa Card, CIMB Direct Access

5. Looking at CC from: HLB or RHB or PBB (Cause i got saving accounts on these banks.) However, is up to recommendation if is easier to apply.

6. Others : I don't use card for petrol, I seldom bother about points. Problem i face is my company HR is outsource to a payroll company, so can i apply but phone put to payroll company? But they pick up calls, they always say their company name 1st.

Hope can get reply, thanks.

You Mean Citi's Cash Back Platinum & UOB One Plat. Card...
Ya, They Both Have Similar Cash Rebate Feature... But UOB One Platinum Better becoz,
the Citibank CB only credit the cash back earned once you reach RM50 & If the cash rebate is LESS than RM50 for a particular month, the total cash rebate amount will be carried forward to the following month...
Whereas UOB credit the cash back monthly into the account....

Awesome!!! Thanks so much, appreciate it.

Pls Refer to My Post #2291... https://forum.lowyat.net/topic/1973206/+2280
& Between All of Them I think UOB One Card was Most EZ to Have Card many ppl here got This Card (Including ME)...

This post has been edited by fly126: Jul 8 2013, 04:47 PM

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: Preferably yes. i'm forgetful.

3. Card required for: repair cars, buy furnitures at ikea, groceries (not specific but major supermarkets), buy gadgets, buy computer parts.

4. Existing credit cards if any: none.

5. Looking at CC from: any, but prefer Standard Chartered or Citibank or RHB.

6. Others: Looking for cards that offer easy payment plan that doesn't tie up with merchants e.g. after i make purchase i can just simply call the bank to divide the payment in 6, 12 or 24 months. Also, if can, low interest. Oh, and NO to any AMEX-based card, it's a taboo for my family.

This post has been edited by cloudstrife07: Jul 9 2013, 02:28 AM

I) RHB Travel Money Card- Annual Fee Waiver with 12x Swipes a Year, for NEW Cardholder can Enjoy 0% Interest Up to 6 Months on Your Purchase OR $50(GST) Rebate Back within 3 Months as for NEW Card... Pls Refer to: http://www.rhb.com.my/cards/credit-card/cc...money_main.html

II) Citibank Clear Card (with Evergreen Rewards Point System)
*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
+ Flexi Payment (Installment) Plan Up to 36 Months... http://www.citibank.com.my/english/existin...erCode=MYCCBUL3
Enjoy 8.88%*p.a Interest Rate with T&C's apply to...
Please Refer to: http://www.citibank.com.my/clear/?eOfferCode=MYCCLNCLC more on Citibank Clear card

III) As for Standard Chartered CC Nothing Special Benefits, Currently now as a New Signup You can have The 15% petrol cashback only last for 6 months...& their Card Reward Points with No Expire

Others,
OCBC Titanium or UOB One Platinum...
Pls Refer to: 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: Jul 9 2013, 03:59 AM

Not that's Simple & EZ to get 5x Rewards Points, Each Category is charged with a Subscription Fee of RM100 a Year...

FAQ of Citi's Rewards Platinum: http://www.citibank.com.my/english/credit-...rdsplat/faq.htm

1. Annual Income: 28K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Movie, Food, Clothes

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any

6. Others: New to credit card, monthly petrol around RM100, 2-3 times movie a month, online transaction (groupon, pay phone bill), shopping for clothes but not frequent. Will a credit card benefit me?

This post has been edited by kenn723: Jul 14 2013, 12:45 AM

You can Refer to UOB One Card & Hong Leong Bank Wise Card...
https://forum.lowyat.net/topic/1973206/+2280 My Post #2281

This post has been edited by fly126: Jul 14 2013, 02:31 AM

Annual Income: RM28000 - RM31000

2. Free Lifetime Annual Fee: YES

3. Card required for: Main purpose is to start building my credit limit because I might need loan in the future

4. Existing credit cards if any: Just a sub card from my father (HSBC)

5. Looking at CC from: ANY that is suitable for my situation

6. Others: I will require to travel maybe minimum once a month to china for work. Other then that I watch a lot of movie, minimum once for each week. Looking at a card comes with cash back and benefit when pump petrol


One more question, is it the same to apply credit card at some booth in the shopping center and at the bank ?
THX

This post has been edited by gn9746203: Jul 14 2013, 06:19 PM

1) UOB One Card
2) Citibank Clear Card
3) HLB Mach Card
Pls Refer to, https://forum.lowyat.net/topic/1973206/+2200 Post #2210 for their Benefit

Also,
Check Up for HLB Wise Credit Card, the Only Card that give You the Choice to Enjoy 10% Cash Back...
https://forum.lowyat.net/topic/2760395
GSC-Hong Leong Credit Card - a True Movie Card with Tickets Cash Rebate & Priority Ticketing Lane Privileges
http://www.hlb.com.my/pfs/cc/ccgsc_fb.jsp?flag=ccgsc

Actually, NO Difference You Apply CC Direct with the Bank Or with Sales Agent at Shopping Mall Except maybe will get Free Gift when You Apply thru Agent at Shopping Mall & U Can Easily Contact Them if Your Case (Application) need to Appeal or Following Up Later....

P.s: Frequently Use Your Credit Card, the Bank Delightful to Waive Off the Annual Fee for You...

This post has been edited by fly126: Jul 14 2013, 09:54 PM