Bro, welocme but like I said, you failed to give me your full requirements. Please note for UOB you only earn 0.3% cash back for general transactions and you must spend RM3K and swipe 12 times to get annual fee waived for the UOB One Card Plat. If you want just for petrol, the UOB good lah but there is also a cap on the cash back. Please go read UOB Thread and and this article title Earn Pocket Money with your credit cards.

This post has been edited by Gen-X: Dec 1 2011, 05:37 PM

I guess for movies Citibank Clear Card is the best for Fridays and has 12 months 0% installment plan with Maxis. Other cards having 0% installment with Maxis are HSBC, Maybank and Public Bank. And yes, you are entitled for points with installment plans.

Like you said, not much offer with your UOB for shopping and dining, different cards offer discounts at different places, so go check out Citibank promos ans see if you can benefit from it. Click here to my article on Citibank credit card promotions, where I have a link to CB website to see the monthly promotions.

I think the RM150 cash back only applies to higher end cards, call CB to confirm how much cash back you can earn for the Clear Card. As for annual fee waiver for Clear Card, it is quite easy nowadays where you just call and they waive on the spot without conditions.

However, if you are in the Klang Valley, the Maybankard 2 Amex is good where you can earn 5X TP and 5% cash back for dining and shopping and has many shops offering 0% installment plan for their Visa and MasterCard. And click here to see where you can enjoy 0% installment plan for the MBB 2 AMEX. And if AMEX not accepted, you still got the MC or Visa which earns you 1X TP which is better than 0.3% cash back with your UOB One Card.

But since you can only hold cards from 2 banks (for now), guess you have to consider if the Clear Card can benefit you more as compared to MBB 2 AMEX.

This post has been edited by Gen-X: Dec 2 2011, 02:30 PM

like singapoe said, UOB would be good for Petrol. Click here to read more on Entry Level Cards.

It really depends, my friend went to Europe, at a LV outlet, at first they refuse to let her use her card because her card had her English Name and Surname only whereas her passport has her Chinese name. In the end she had to show her business card which had her English name and Chinese name and then only was she allowed to use the card.

Yes, as long as your gross salary/income is RM24K per year, you can qualify for credit card. Since you earn basic RM2.6 which means you will earn more than RM30K/year, look into Maybankard 2 Cards too.

with your income, you have many options.

1st to consider is OCBC Titanium MasterCard where you can earn 5% cash back for your Petrol and Dining and if your shopping include groceries. Only thing is the cash back is capped at RM50/month and no rewards points awarded.

Next will be Maybankard 2 Cards where you'll earn guaranteed 5X Treats Points and EXTRA 5% cash back on Saturdays and Sundays (also capped at RM50/month) if the merchants accept AMEX. Many merchants do offer 0% installment plans for Maybank Visa and MasterCard and to see which merchants offer 0% installment plan for American Express click here.

Only thing is your movies, if you do indeed go often and on Fridays, then Citibank Clear Card is good. The UOB One Card which earns you 5% cash back for Petrol also earns you 5% cash back at GSC. Click here to read my article titled Best Credit Cards for Petrol and Movies.

Also go read 1st post where I gave links to my articles on Entry Level Cards and Platinum Cards.

Now, if the banks are not satisfied with your documents proofing you present income, just wait till April next year when you will have to submit your BE form. As for CL, no one knows. But if you really want high CL, the go get a American Express Charge Card.

This post has been edited by Gen-X: Dec 8 2011, 12:05 AM

Good if you do overseas transactions often. Please see my reply to your question at General Thread.

For overseas click here to read about Maybank Visa Infinte which I think is the best for overseas.

AS for 0% installment, no card offer that as standard feature but AmBank do offer this kind of promotion and recently RHB too. Click here to read my article The Best Credit Cards in 2011 where I did mentioned about it and gave links to this kind of promotion.

You already know what you want, so the next step is go apply for it and you'll know the results. If you have an existing MBB card, your chances of getting it would be better, not only that, you don't even have a single card. This is interesting, would appreciate you let me know the outcome of your application.

Only thing is I don't think you'll earn anything for petrol with MBB VI. Well, if your MBB VI not successful, get MBB 2 cards but then you need to get another card for LCCT. Click here to read which other credit cards allows you free entry to LCCT Plaza Premium Lounge.

And if you do pump a lot of petrol, like up to RM1K, get the OCBC Titanium MAsterCard in addition to MBB VI or MBB 2 Cards.

Also read first post where I posted hye's comments on MBB 2 Cards for Enrich Points Redemption with Treats Points.

This post has been edited by Gen-X: Dec 12 2011, 09:52 PM

Click here to read my UOB One Card review where I prepared a chart comapring cash back cards.

From there list out your expenses and see if UOB One Card earns you more or the Maybankard 2 Cards.

If bulk of your transaction is for overseas, say RM1K and RM500 for petrol. The Maybankard 2 Visa or MasterCard may be better then UOB because
1. The overseas admin fee is lower for Maybank Visa/Master cards.
2. The Maybankard 2 Visa or MAsterCard earns you 1X Treats Points or equivalent to approximately 0.5% returns versus UOB One Card 0.3% returnds for general transactions.

And for petrol, you got to use the Maybankard 2 American Express on Saturdays and Sundays to earn 5% cash back.


I can tell you that overseas, nobody cares what card you have as long as the transaction can be approved.

This post has been edited by Gen-X: Dec 14 2011, 11:19 AM

Well, you can look into AMEX Corporate CArd.

Recommend that you get both the OCBC Titanium MasterCard and Maybankard 2 Cards.

OCBC great for Petrol, Groceries and Phone Bills where you get 5% cash back every day. But the cash back is cappe dat RM50/month or RM1K spending for 5% cash back. So that is why is also need the Maybankard 2 AMEX which also gives you 5% cash back on weekends which is also capped at RM50/month. So with RM2K/spending, you can get cash back RM100/month with proper planning.

Please also refer to end of this post on further reading materials.

Initially thought of recommending to you the OCBC Titanium MasterCArd where you wil get 5% cash back for Petrol, Dininig and Groceries. In order to waive the RM50 ST, you need to spend RM10K.year with the OCBC card.

However, since you spending is not near to RM1K, maybe the Maybankard 2 Cards is better if you can pump petrol and do your grocery shopping on Saturday and Sunday because you will earn more with the combination of 5% cash back and 5X Treats Points. And you only need to spend RM2000 for the entire year to get RM10,000 treats points to offset the RM50 GST.


Best you apply for Maybankard 2 Cards (annual income requirement RM30K/year), see comments above. IF your application is rejected, then look into UOB One Card (annual income requirement RM24K/yr) where you can earn 5% cash back for petrol plus additional SMART$ cash at BHP.

To All 3 of you guys:

Click here to read my review on UOB One Card where I have a table to compare it versus Maybankard 2 Cards and OCBC Titanium MasterCard. List out your expenses and refer to the table to see which can earns you more.

Also check out Maybankard 2 Cards Thread and OCBC Titanium MasterCard thread.

This post has been edited by Gen-X: Dec 15 2011, 06:55 PM

OCBC Titanium MasterCard. Clck here to read about OCBC and Maybankard 2 Cards, where both are cash back cards and earns you more versus your current Public Bank credit card. Even the Maybankard 2 Visa or MAsterCard which earns you 1X TP is better than your PBB Gold in terms of returns. The link also has a table comparing different cash back cards.

I think no harm getting PBB Platnium over the Gold since the annual fee is also waived with 1 swipe per month. But I don't understand why you cancel your AMEX ( I assume is AMEX AMEX and not Maybankard 2 AMEX ) which can be used for all requirements and earn minimum 2X points which is much better than PBB Gold.

This post has been edited by Gen-X: Dec 18 2011, 08:39 AM

Both of you, click the link on Cash Back Cards I posted in my reply to Redcapz above. There is a comparison table of cash back cards.

socaisocai, the link also have a link to my HLB Fortune Card article. Go read it and you will learn that with RM1K spending, the Fortune card is not for you, better you consider HLB Essential. And UOB earns you 0.3% for general transactions.

You're welcome, Yah, Fortune Card complicated and benefit those who knows exactly how much they spending a year to benefit for, the annual bonus.

You're welcome , but I have yet to reply yours

Anyway, I think you should get both OCBC Titanium and Maybankard 2 Cards since you spend more than more RM2K/month. Go find Earn Pocket Money with Credit Card thread and read my link. I lazy to post.

** Edited for Typos, tired yesterday and blur**
As for your HLB, only you can decide if it benefits you, if it does not, then ask yourself why you keeping it. I have it, only reason I keeping it is because of my fetish with credit cards, hahaha.

Citibank, check out if their promotion can benefit you, because besides petrol, it earn you less than 2% where as Maybankard 2 AMEX 5X Treats Points is better. Go to MBB 2 thread and read my links. My article did compare MBB2 with OCBC and Citibank.

Yah, get MBB 2 Cards and go read my article titled Entry Level Credit Card, link in 1st post.

Bro, why worry about the charges, you must "dream" you'll be winning 1000% or more, hahaha

This post has been edited by Gen-X: Dec 23 2011, 11:27 AM

I recommend both OCBC Titanium MasterCard and Maybankard 2 Cards since you spend more than RM1K. Both cards earns you cash back and if you plan well, you can get up to RM100 cash back per month.

Click here to read more about Maybankard 2 Cards. The MBB 2 AMEX earns you 5X Treats Points everyday and EXTRA 5% Cash back on Saturdays and Sundays. The MBB 2 Visa or MC is not too bad with 1X TP but the advantage is that MBB Visa and MC Admin Fee for overseas transaction is the lowest.

Also click here to read about other cash back cards like the OCBC Titanium MasterCard (which earns you 5% cash back for petrol, dining and utility bills) and see table I have prepared.

For Entry Level cards use for non Petrol, Phone Bills and Pharmacy, your choices are

UOB One Card - CB 0.3%
Public Bank Classic - CB 0.3%
Citibank Cash Back Silver - 0.2% CB (and if you have Outstanding Balance, you can earn up to 2% cash back but this means you will be earning nothing but paying more in interest).
HSBC Visa Credit Card-i (Islamic Card) - 0.5% cash back

Seriously, if for convenience sake with little spending, I don't think you need a credit card because you have to pay RM50 GST every year. Like I mentioned in my article on Entry Level Cards, look into Public Bank Debit Card where you can earn 0.5% cash back and there is no GST but some cards have annual fees.

Having said above, it is good to have a credit card to build up your credit history/records.

You sure boh Genting don't accept Debit Cards. Try next time or go ask at Debit Card thread.

Generally, for annual fee waiver requirements, 1 transaction = 1 swipe, any amount.

Based on your income, I recommend that you read my article titled Malaysia Platinum Credit Cards - Which Is The Best For You?

I would say for Petrol, you should look into UOB One Card (Classic or Plat) or Citibank Cash Back Platinum since both earns you 5% cash back at Petronas. However, these two cards earns you miserable 0.3% for general transactions click here to read more about Cash Back cards where I have prepared a table comparing different cash back cards.

Seriously, with RM2K spending and above, you should look into having the Maybankard 2 Cards and OCBC Titanium MasterCard.

Click here to read more about Maybankard 2 Cards - where the American Express earns you 5X Treats Points AND additional 5% cash back for transactions on Saturdays and Sundays.

Click here to read about OCBC Titanium MasterCard - where it earns you 5% cash back for Petrol, Telephone, Utilities, Groceries and Dining. Other general transactions you earn 1% cash back. Only set back is that the cash back is capped at RM50.month.

Come to think of it, since you are new to credit card - you should read all my posts at my blog, hahaha and start by clicking here to My Blog Guide.

And if you watch movies of Fridays, check out Citiabank Clear Card - click here to read my article The Best Credit Cards for Petrol and Movies.

This post has been edited by Gen-X: Jan 1 2012, 11:19 AM

Forget about HSBC. With RM1K spending, you are not going to earn anything from it unless you can win any of their many contests. Citibank Clear Card yes IF go to the movies on Fridays with a partner because you get a free ticket at TGV, GSC and Cathay. UOB - KIV until you're going to start pumping petrol.

In my opinion, for RM1K spending, the best card for you would be OCBC Titanium Master Card

1. Annual Fee waived with 12 swipes a year.
2. Cash Back 5% for Telcos, Grocery, Astro, TNB, Restaurant and the rest 1% cash back.
3. Special bonus by OCBC - spend RM10K/year and the RM50 GST will be absorbed by OCBC.

Recommend you read my following articles:

Entry Level Credit Cards - Which Is Best For You?

OCBC Titanium Master Card review and benefits. Also check out the OCBC Titanium MC Thread by ronnie where it list out all the places you can earn 5% cash back.

And if you do spend your money at Restaurant that accept AMEX and buy groceries on Saturdays and Sundays, consider Maybank Combo Package where you get an American Express credit card together with either Visa or MasterCard. Click here to read Maybankard 2 Cards review and benefits.. Same thing, go check out Places that accept AMEX Thread.

This post has been edited by Gen-X: Jan 2 2012, 07:18 PM

Bro, you failed to follow the template, can't advise without knowing your spending pattern.

Just go read some of the links I gave to ~Battousai~ above.

First card to get is the OCBC Titanium MasterCard where you can get 5% cash back for Petrol, your Utility bills (TNB, Water, Telekom and Astro), Groceries and for Dining. Click here to read about the OCBC TMC.

If you are intending to get your new electrical appliances at HSL, Harvey Norman or Courts, then get the Maybankard 2 Cards American Express (click here to read about the MBB 2 Cards) because:

1. You earn 5X Treats Points which works out to be approximately 2.5% returns AND additional cash back of RM50/month if you swipe on Saturdays or Sundays.

2. You can do 0% Installment at HSL, Harvey and Courts and still earn 5X Treats Points. Click here to read about 0% EzyPay with the American Express. You still can use other cards for 0% installment but you won't be getting 2.5% equivalent returns from any other credit cards.

3. If you don't have to purchase all the electrical equipment in one go. use the Maybankard 2 Amex and earn 5X Treats Points, after few days when it is credited into your account, go redeem for vouchers which can be used against payment for new electrical items and balance use the MBB 2 AMEX again and earn 5X Treats Points again. Click here to see an example. And say you swipe RM1K this month on Saturday or Sunday, you will have maxed out the RM50 cash back. Wait till 1st of the following month for your next purchase and you'll once again get to earn RM50 for that month. Do some planing and you will get to earn extra RM50.

but of course if you can get the same appliance elsewhere at a lower price (>2.5%) it would make more sense to go with your existing SCB CC instead of using MBB 2 AMEX at Courts, HSL or HN.

Last but not least, if you go to Harvey Norman, open your mouth and ask "for discount" on every single product you are looking at. You never know, buta buta can save you a lot of money. If you very free like me and know the model number, call up different Harvey outlets and ask and sometime a certain outlet supervisor will give you discount whereas another won't (they will say come over and see and you must say got discount I go lah).