What about Citibank Clear card? I was planned to apply it. how do you think?

All, Depends on Your Spending Pattern... the MAIN Point is, What type of CC that You Want Cash Back or Reward Point...
IF, U like Coffee Bean & Go on Friday Nite Movie Date ....
(This 2 are Main Attraction of CT's Clear Card) Refer to Post #2210
Then, Citi's Clear Card will Suit You Best

This post has been edited by fly126: Jul 18 2013, 04:03 PM

Annual Income: 38K

2. Free Lifetime Annual Fee: Optional but around 100

3. Card required for: AirMiles/Rewards Points

4. Existing credit cards if any: Maybank 2 Gold Card

5. Looking at CC from: Any bank

6. Others: Any suggestion which cc is good for earning points towards frequent flyer programme within my annual income?

Pls Refer to : https://forum.lowyat.net/topic/1973206/+2240 My Post #2250 for Your CC's Recomendation...

1. Annual Income: > RM 60k

2. Free Lifetime Annual Fee: A Must

3. Card required for: travel, shopping, entertainment

4. Existing credit cards if any: maybank2card

5. Looking at CC from: HSBC and Citi

I am going to United State on September for few months. I heard from others that sometimes maybankcard couldn't be used in oversea. I feel like getting an additional card for my spending over there in case my maybank2card couldn't be used. My friends suggested me to get Citi or HSBC because if my card couldn't be used, I can easily walk in the bank in States whereas it would be hassle for maybankcard.

Thank you in advance.

Who Said Maybank CC Can Not Use at Overseas...
Any Credit Card from Any Bank in Malaysia are Valid Worldwide...

Ok, Now on Your Credit Card Recommendation

I) HSBC Visa Platinum Card (Apply now You can Enjoy $200 Cash Back)
*Earn 8X Reward Points at Mid Valley Megamall and The Gardens Mall and 5X Reward Points on every spend at other participating malls nationwide. For anything outside the shopping malls, you still enjoy 1X Reward Points for every RM1 spent. You will also enjoy 10% Bonus Reward Points upon card anniversary.
*with FREE Travel Insurance,
Pls Refer to : http://www.hsbc.com.my/1/2/personal-bankin...#_visa_platinum

II) Citibank Platinum Card
*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 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

This post has been edited by fly126: Jul 20 2013, 11:06 PM

Sorry, maybe I did not explain it well enough.
Indeed all cc in msia is valid worldwide. But my concern is sometimes, when the card is being swiped in oversea, the bank hold it temporarily and request the permission from cardholder before authorize the transaction. My friend had few cases before. He tried to swipe the card but unfortunately the transaction is rejected. And the worst part is his phone not enabled with international roaming. When he back to msia, he is being told by the bank that the bank is trying to call him to validate the transaction but unfortunately the bank couldn't reach him, that's y the bank block the transaction.

I afraid that my transaction will be rejected when I swipe my card using maybank2card and I need to call the bank to validate it. It's quite a hassle sometimes. So I am advised to get cc from citi or hsbc becoz they have branches worldwide and easily to get assistance.

Anyway, thank you for your recommendation. I think I will go for Citi since the currency exchange rate is 1% lower than hsbc 1.25% (https://forum.lowyat.net/topic/1845691) and free entries to airport lounge.

This post has been edited by cyang: Jul 21 2013, 07:10 PM

in that case, at least inform your bank before your departure, where and how long you will be oversea. that will help make your card transaction smoother. but it is better to have international roaming turn on, for case like this or if you missing your card and want to hold it temporarily. else you might facing heavy debt when return if someone use the card happily. be fully prepared before going oversea will help make to make you happy journey till the end.

1. Annual Income: 35K

2. Free Lifetime Annual Fee: Of course

3. Card required for: Getaway (hotel etc.)

4. Existing credit cards if any: None

5. Looking at CC from: Any bank

6. Others: looking for a cc which offers a discount on many hotels around Malaysia

Thanks pro!

Maybank 2Cards or UOB One Card
https://forum.lowyat.net/topic/1973206/+2200 Pls Refer to My Post #2209-10 on Your CC's Recommandation

1. Annual Income: 60 - 100k

2. Free Lifetime Annual Fee: YES / With min. spending

3. Card required for: General usage

4. Existing credit cards if any: Maybank2Card, AEON Gold, Citibank Clear (Cutting soon)

5. Looking at CC from: OCBC Tita

6. Others: Looking for something for my daily usage. M2C is mainly to use AMEX on weekend but i want something more rewarding for weekdays and occasionally oversea transactions. Looking at OCBC Tita / any better suggestion?WISE category is too narrow and min. 10 transaction just doesn't work for me.

1. Annual Income: rm150k to 180k per year

2. Free Lifetime Annual Fee: yes

3. Card required for: petrol,overseas usage,enrich miles,shopping and online purchases

4. Existing credit cards if any: alliance master card and hsbc visa signature

5. Looking at CC from: any bank

6. Others: betters points collection

1. Annual Income:

2. Free Lifetime Annual Fee: A must

3. Card required for: Online purchases

4. Existing credit cards if any: Maybankard 2, OCBC Titanium

5. Looking at CC from: CIMB Cash Rebate Platinum, UOB Vox

My Recommendation...
I) OCBC Titanium 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

II) Alliance Bank Cash Back Platinum
•0% Finance Charge for first 3 months
•Up to 2.0% cash back* on retail spend
•2x Timeless Bonus Points on overseas spend
•No lost card liability upon reporting
•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 Plaza Premium Lounge
More on Platinum Card: http://www.alliancebank.com.my/Personal-Ba...tinum-Card.aspx

Others,
Although HLB's Mach Card got More Cash-Back Categories (Get choose 1 for Free...12 All's from Movies to Dining):
For Details: http://forum.lowyat.net/topic/2421215
But, Need to pay RM5 every 3 months to enjoy additional categories of CashBack of the Card !

This post has been edited by fly126: Jul 23 2013, 06:43 PM

I) Maybankard Visa Infinite- the Best Air-miles Card in Town
Principal: RM800, FREE for the first year
Subsequent years FREE if spend a min of RM50,000 per annum
More Details: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

OR
2) OCBC Titanium 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
3) Maybank 2Cards , the Best Card in Town So Far...
It's FREE for Life 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 Treats Points for every Ringgit spent on Maybankard 2 American Express Card and 1x Treats Point 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

& LASTLY,
Why Not You Upgrade Your Alliance Master Card to Alliance Visa Infinite... So, You can Enjoy More & Best Privileges from That...
Alliance Visa Infinite Card
http://www.alliancebank.com.my/Personal-Ba...ssibilities-tab

This post has been edited by fly126: Jul 23 2013, 06:44 PM

Thanks, think i will go with OCBC Tita and Alliance Plat and to combine with AMEX.

CIMB Cash Rebate Platinum- http://www.cimbbank.com.my/creditcard/inde...&pg=cc_lu&ac=17
T&C's CIMB Cash Rebate Platinum- https://forum.lowyat.net/index.php?act=Atta...post&id=3536741

UOB Vox Card - http://www1.uob.com.my/personal/cards/cred...b_vox_card.html

VOX Card T&C's: http://www1.uob.com.my/assets/pdf/tnc/ccTN...d_Cash_Back.pdf

This post has been edited by fly126: Jul 23 2013, 10:06 PM

1. Annual Income: 24k

2. Free Lifetime Annual Fee: A must

3. Card required for: Online purchases

4. Existing credit cards if any: No(Newbie)

5. Looking at CC from:Suggestion plz

Yeah... I) UOB One Card are the Best Card for Newbie...
Pls Refer to : https://forum.lowyat.net/topic/1973206/+2200 My Post #2210
for Details on UOB Card & Others CC's Recommendation

II) UOB VOX Card - You can have 5% Cash Rebate for Every $50 Transaction from Online Spending... But, U Need to Pay RM6 Monthly Fee if X have Any Transaction in a Month...
UOB Vox Card - http://www1.uob.com.my/personal/cards/cred...b_vox_card.html
VOX Card T&C's: http://www1.uob.com.my/assets/pdf/tnc/ccTN...d_Cash_Back.pdf


Btw, You will Enjoy 2 Years Annual Fee Waiver as NEW Sign up...

This post has been edited by fly126: Jul 25 2013, 12:28 AM

Thanks for the info bro...........