Hong leong bank wise card is preferred if you have min 10x with min RM50. 10% cash back compare to titanium is only 1-5% Max cash back

1. Annual Income: ...

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Overseas Transactions, Online Shopping & bill payments, General retail shopping, Dining out, Government Assessments and other bills.

4. Existing credit cards if any: UOB One, MBF, Giant Citi, CIMB Master World

5. Looking at CC from: Maybank 2 Cards

6. Others: Just want some opinions. Looking at using the card to pay bills online via M2U. Also want pay my card using M2U instead of banking in cheques to the other banks, since my main accounts are with MBB. Also thinking of cancelling the UOB one card and getting this 2 cards for petrol, rebate and collect points at the same time. Any suggestions on should I get Maybank2 cards or consider OCBC Titanium?

Get both.
Maybank2Card is basically useful for AmEx only. As it gives 5x treat points 24/7 and 5% rebates only during weekends. The VISA/Master Card is basically not useful most of the time.
So, OCBC Ti is useful to complement the absence of VISA/MasterCard which is widely accepted compared to AmEx.

Agree with fruitie - main use for AMEX.

if you refuel at petronas, then go for the Maybank Petronas card.

and the 2 cards have a combined credit limit.

i personally think maybank cards are good for their treat points.

This post has been edited by gennee: Aug 20 2013, 10:31 AM

1. Annual Income: Above xxxxxx

2. Free Lifetime Annual Fee: Doesn't matter

3. Card required for: Travel and petrol. Card pretty much for parents in Malaysia.

4. Existing credit cards if any: Westpac black.

5. Looking at CC from: Any

6. Others: Here is e tricky part, I am working in Australia and on Australian income. Will they accept it?

Thanks guys.

This post has been edited by The Analyst: Aug 27 2013, 04:12 AM

1. Basic Annual Income: RM30k, After Allowances and Deductions Annual Income: RM44 to RM57k

2. Free Lifetime Annual Fee: Must

3. Card required for: Easy Payment Plan (EPP) and mostly petrol

4. Existing credit cards if any: None

5. Looking at CC from: Any

6. Others: Doesn't require latest savings/current account statements
- I do have salary slips, but no BE/tax report and no savings/current account statements.


Thanks!

Sorry, 2x Posts...

This post has been edited by fly126: Aug 20 2013, 07:56 PM

Do You have EPF's Contribution...???
If Not it will be very Hard to Apply Credit Card with Salary Slips Only Furthermore Without Bank Statement coz Lack of Income Proof Documentation
FYI, Currently Most of Bank Refer to Your EPF 's Contrubution (at least RM 220 = RM2000)1st for Your Credit Card Apps...

Anyway, U Need a CC for Easy Payment Plan so far... Citibank Card are Best with Flexible tenures available from 6 Up to 36 months:
i) Easy Pay 0% Installment Plan, http://www.citibank.com.my/english/existin...ode=MYCCLNCBEP-
ii) FlexiPayment Plan, http://www.citibank.com.my/english/existin...ode=MYECMWAB6LM

This post has been edited by fly126: Aug 21 2013, 02:33 AM

I Don't Think You can get Malaysian Credit Card ...
All the Bank will Decline Your Apps due to the Reason of Your Stability, Reputation & Duration of Your Employment/ Business furthermore without Malaysian Income Proof Document (e.g EPF) coz Working in Overseas...

But Anyway, Can Try Using FD to Pledge for Credit Card by Signing Up a Private Banking (Account) Services from Foreign Banks: Citibank, HSBC, SCB... in Malaysia maybe they can Issue Malaysian Credit Card for You coz they having Global Banking Services....

This post has been edited by fly126: Aug 21 2013, 02:29 AM

Thanks fly that is a good idea. I will find out more about it.

So at the moment, Maybank2Card and OCBC Ti still the best rebate card in the market now?

1. Basic Annual Income: RM250k

2. Free Lifetime Annual Fee: or minimum waivable by number of swipes

3. Card required for: bills, shopping, etc...

4. Existing credit cards if any: HSBC visa signature

5. Looking at CC from: Any

6. Others: believes that the higher the minimum income required for cc, the more exclusive benefits offered... Is this true?

This post has been edited by kaiserwulf: Aug 22 2013, 07:03 AM

Yes.

Thanks for the suggestion.
I'll look into OCBC Ti to see what type of promotions they usually have. The 5% rebate for OCBC Ti is also for all spendings right?

Thanks. I don't fuel at petronas unless really necessary so don't think I'll get the Petronas card.
Not very concern on the combined credit limit either as I have other cards with more than enough credit limit for me if I really need to swipe a large amount.

What do you normally redeem with their treat points? Does Maybank has cash back like CIMB? Since there is an expiry on the points, can't just accumulate without spending.

No. 5% only for groceries, utilities bill, petrol and dining.
The rest is 1%.
There's a dedicated thread for OCBC Ti in this section, please check out out.
I'm on mobile now, so it's a bit inconvenient to paste you the link.

I see. Sure, will look into it. Thanks!

Hi guys,

Would be thankful for your kind suggestions. Basically I travel overseas most of the time. Unfortunately my basic salary only entitles me to RM10k limit by Maybank 2 card even after applying for credit limit increment for 2 times.

I would need a higher limit CC and provides more treat points on hotel payments.

1. Annual Income: RM50k

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Mostly for overseas hotel use.

4. Existing credit cards if any: Maybank 2 card

5. Looking at CC from: Please suggest.

6. Others: Estimate to spend about RM10k/mth on overseas hotel. Flight tickets are bought by company. Would prefer a card which could give me the most benefit in terms of points.

Thanks in advance!

This post has been edited by m a v [3] r i c k: Aug 23 2013, 04:28 PM

1. Annual Income: RM60K to RM80K

2. Free Lifetime Annual Fee: Must

3. Card required for: no specified

4. Existing credit cards if any: nil

5. Looking at CC from: Any

6. Others: Please be specific. I am Foreigner. Have tried Maybank and HSBC. both are declined.

side track a little, does your company gives you AMEX charge card? it's quite taxing for the employee to spend that much a month without a company charge card.

I see. Thanks thanks! Have already send in application for OCBC Titanium yesterday during PC fair and went to Maybank today to get the forms for Maybank2 Cards.