1. Annual Income: 47K

2. Free Lifetime Annual Fee: A must

3. Card required for: groceries, petrol, movie every now and then

4. Existing credit cards if any: No, fresh grad, just started working

5. Looking at CC from: no idea

MY Recommendation:

1) 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, Utilities 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
+
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 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

FYI, OCBC Tit. + Maybank 2Cards is the BEST Combo in Here, many ppl have This 2 CC's they already X Need to get Others Card

OR You can Get UOB One Card Pair Up with Above Either One ...

3) The Best Card for NEWbie- UOB One Platinum Card a Pure Cash Back Card
You can Earn Cash Rebate ON:
* 5% for Petrol (Limit 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 (Limit to Total Purchase of $1500 Per Month Entitled for Cash Rebates it capped at $30 per month.)
* 2% at Pharmacies
* 2% for Telecommunication Bills (Limit to Total Bill of $300 Per Month Entitled for Cash Rebates)
& 0.3% for all Other Purchase
*Enchanted with SMART$ Cash Rebate Privileges

What is the recommendation for using on home stuff?i.e. tiles, wallpaper, etc etc

Alliance plat?2% firm rebate for above RM2500?

obviously weekend - Maybank AMEX but capped RM50 only. 5x points = 2.5% rebate.

This post has been edited by bearbear: Jul 28 2013, 12:33 AM

Ya, Confirm 2% Cash Rebate With Spending Amount $2551- $5000 a Month With Alliance Cash Back Platinum
http://www.alliancebank.com.my/Personal-Ba...rs#platinum-tab

Any other card do better than this for a more general consumption?

So Far as I Know, Belum Ada lagi...

noted, i suppose 1st choice AMEX for 5X points else Alliance Plat 2% rebate.

Myself... Prefer Amex & OCBC Titanium Combo (I not a Big Spender) But both CashBack Max out at $50 a Month only...

I X get the OCBC Tit...
So, I kena Pair Up With My MBB2 Cards with UOB One Plat. to Maximize the Cash Back...

1. Annual Income: 36K+

2. Free Lifetime Annual Fee: A must

3. Card required for: Petrol, groceries, utilities, education and foreign transaction (currently studying for professional qualification)

4. Existing credit cards if any: No (being rejected by OCBC Titanium)

5. Looking at CC from: no idea

Pls Refer to: https://forum.lowyat.net/topic/1973206/+2340 My Post #2350 & Without OCBC Tit.
It Should be Maybank 2Cards & UOB One Plat. Card (with 2 Years Annual Waiver as New Signup)

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

This post has been edited by fly126: Jul 31 2013, 12:04 AM

If I would only get one cc which will be recommeded?
Maybank 2 cards or UOB one card

Decision On You ...
You have to Know Which Card is More Practical Useful to You based on Your Own Spending Pattern...
MBB 2Cards more like Points based CC & UOB One is a Pure Cash Back Card they both Tak Sama Type of Credit Card

Actually, I got Both of Them + Another 8's CC with Others Bank Except OCBC Tit, Can't Help You with this So,You kena Decide Yourself...

But Anyway, I think UOB is Most EZ to get Approval if Compare with MBB & Others

This post has been edited by fly126: Jul 31 2013, 09:47 PM

1. Annual Income: RM48k and above

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Cash back/rebates for general spending/online purchases, Airmiles program

4. Existing credit cards if any: Nil.

5. Looking at CC from: Please suggest.

6. Others: Just started working after graduating and fly frequently within Malaysia as my job require me to travel often. Would be best if my first card is with an airmile program (i have AA BigShot ID) besides offering me cashback/rebates on general spending like petrol, telecommunication, bills, etc. Thanks.

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)
http://www.standardchartered.com.my/person...es/aboutwm.html

For Others Recommendation of Air-Miles Card , pls Refer to the Link below:
https://forum.lowyat.net/topic/2635281

& for Other CC's Recommendation,
Pls Refer to: https://forum.lowyat.net/topic/1973206/+2340 My Post #2350

This post has been edited by fly126: Aug 1 2013, 01:33 AM

Why not getting OCBC titanium? It seems better than UOB One.

Tak Dapat, Kena Tendang 2x Already...

wow this is really helping me to decide.

one question though..can a contract based employee eligible to apply for a cc?

Can, I got all my credit cards when I was a contract based employee. I managed to even get the strict OCBC Titanium during that time.
Only my recent Stan Chart Visa Plat was obtained when I'm already converted to permanent position.

Thanks a lot fruitie !

You just need to prove that you have a stable income then you will get.