Yes, the cash back and points are applicable to supp cards BUT the cash back cap is combined i.e. RM50/month include supp card.

If you and your spouse do spend more than RM1K for the 5% portion, then ask him/her to get his/her own Principal Card and both of you can earn RM100 per month from the same type of card.

This post has been edited by Gen-X: Jan 28 2012, 12:03 AM

For you case, too bad you most probably cannot qualify for the OCBC Titanium MasterCard. So your other option is Maybankard 2 Gold Cards where the annual income requirement is RM30K. However the Maybankard 2 Cards is a combination of points and cash back which does not suit your requirements of wanting Cash Back Card Only. So the best next card you can qualify for is UOB One Card which earns you 5% cash back for petrol at ALL Petrol stations everyday. and 2% cash back for Telco BUT only 0.3% for Utility.

Please click here to see my comparison table. Click on the cards to read more about the benefits of each card.

If you wiling to consider Treats Points, the Maybankard 2 Cards is a very good option compare to UOB One Card.

If you can pump petrol on Saturday and Sunday, you can earn 5% cash back and equivalent of approximately 2.5% cash back from the Treats Points. Therefore total 7.5% returns.

For Astro and Telco, you are guaranteed to earn 5X Treats Points which is equivalent to 2.5% returns. This even beats UOB 2% for Telco.

And for TNB, you can use the Maybankard 2 AMEX and sign up for AMEX Autopay and earn 5X TP once again. UOB One CArd only earns you 0.3% cash back.

And for places that do not accept AMEX, the Maybankard 2 Visa or MasterCard which earns you 1X TP equivalent to 0.5% returns is still better than UOB One Card 0.3%

But, with income of RM30K and spending RM5K/month, best you go use your partner's card

This post has been edited by Gen-X: Jan 31 2012, 11:29 PM

Try apply for OCBC Titanium MasterCard and Maybankard 2 Cards First. Click here to go to my CASH BACK Page at my blog to see comparison and also click on the links to read more.

If you cannot get a credit card approved because of lack of documentation to proof your income, you can always get FREE credit cards when you open Premier/Privilege/Priority Banking Account. Click here to read more about Premier Credit Cards. And click here to read about Premier Banking.

For your case, same thing, look into OCBC Titanium MasterCard and Maybankard 2 Cards.

Please click on link above on CASH BACK cards and read more about them. You should seriously consider Maybankard 2 Card where the American Express earns you 5X Treat Points with for any transactions which is equivalent to 2.5% cash back based on cash voucher redemption AND on Saturdays and Sundays it earns you EXTRA 5% cash back.

Click here to read my article titled Apple IPad2 for RM999 with Maybank On The Spot Redemption.

Click here to read my article on Credit Cards for Education Bills. Look into OCBC Great Eastern Credit Card. OR Consider getting Alliance Platinum or Alliance Premier Debit Card (with Privilege Banking)

And if you do really consistently spend close to RM5K/month, Click here to read my article Earn Pocket Money with Credit Cards where the Alliance Plat is good for places that do not accept AMEX.

Click here to read my article on Entry Level Credit Cards. For petrol UOB One Card in great since it earns you 5% cach back at ALL Petrol stations BUT for general transactions it only erans you miserable 0.3% cash back.

This post has been edited by Gen-X: Feb 5 2012, 11:02 PM

You have several options.

Use your existing MBB2 AMEX for your Telco Bill and TNB and continue earning 5X Treas Points equivalent to 2.5%. However you have to sign up for auto debit.

For Telcos - just walk into DiGi, Maxis or Celcom centres and request for it.

For TNB, you need to apply thru AMEX Express AutoPay. Click here to AMEX site to check it out.


Or you can get Alliance Platinum Visa or MasterCard which is good for up to RM5K where you can earn RM68.75 cash back per month and unlimited Rewards Points . Click here to read my article Earn Pocket Money with Your Credit Cards. With the cash back and points for spending up to RM5K, it is like getting 2% in returns ( which is less than MBB 2 AMEX 5X TP ).

This post has been edited by Gen-X: Feb 7 2012, 05:31 PM

Wow! Got a Financial Planner asking for our advise

Your HLB Essesntial earns you nothing for Petrol. So first card to get is OCBC Titanium MasterCard which earns you 5% cash back for Petrol, Utilities, Groceries, Dining and Telco Everyday. However, since you do spend more than RM1K, go get the Maybankard 2 Cards where the AMEX earns you 5X TP everyday (equivalent to 2.5% approximately in cash back) AND EXTRA 5% cash back for all types of face to face transactions on Saturdays and Sundays. Please click on links I posted in my above replies to others to read more about Cash Back Cards and to see comparison.

Recommend you click here and read my article Earn Pocket Money with Your Credit Cards. I hope you'll recommend my article to your clients too and help them earn extra pocket money

Too bad you AIA agent, else you the OCBC GE Card is great for those with GE Insurance.

This post has been edited by Gen-X: Feb 8 2012, 01:03 AM

1. Exactly how much you are going to spend? Over how long?

2. And do you know where? Some furniture shop may give you further discount if you pay with cash.

There are cards that offer up to 2% cash back equivalent e.g. Alliance Platinum for max RM5K/month where you will earn max RM68.75 cash back and 5K reward points.

So if you can split the expenses into 2 different statement cycle, you will earn RM137.50 cash back and 10,000 points.

But if you consider GST, you'll only earn RM87.50 cash back and the 10,000 points can use for next year GST.

And if you currently have a card like HLB Essential which earns you 1% cash back, you'll only be earning extra RM37.50 (RM137.50-RM100) not including the points.

So if you ask me, why go thru all the trouble just to earn less than RM100.

If you consistently going to spend RM5K/month , the Alliance Plat is good.

If they going to be imposed surcharge, better you pay with cash. If you really think about it, the 3% surcharge is like upfront interest where you have to settle within a month or so, therefore, the "effective rate" is like more than double.

My advise is go survey more and ask if the shop got 0% installment scheme. If you buy some stuff at Ikea or Courts, no surcharge for CC and can use AMEX

This post has been edited by Gen-X: Feb 9 2012, 07:59 AM

If you are a big spender, the UOB One Card Plat or Classic is not the card to get as you only earn 0.3% cash back for most transactions. Even MBB 2 Visa or MC is better with 0.5% cash back. Petrol only cap up to RM600. The UOB One Card is great for those who need a card for petrol less than RM600/month.

OCBC Titanium MasterCard for your Dining RM400 + Utility RM500 = RM900 (Balance RM100)
MBB 2 AMEX on weekend RM600-RM1K (Balance up to RM400)

Noted you have CIMB Petronas which means you pump at Petronas. Since Petrol is your top priority, go get UOB One Card and earn 5% cash back for Petrol for up to RM600 and once you reach this cap, use the balance with OCBC TMC or MBB2 AMEX (at non Petronas on Saturday and Sunday and earn 5X TP too, that's if you still have balance). With these 3 cards, you can earn up to RM130/month. And to maximize earning from UOB One Card, go pump at BHP Please read UOB Thread and Petrol Thread.

As for airmiles, read first post and I guess the MBB 5X Treats Points earned with the MBB2 AMEX should be good for your case. For Enrich comparison, click here to see my table comparing different Premier Credit Cards where you can qualify for the Citibank PremierMiles.

For LCCT, click here to read my article on Free Entry to LCCT Plaza Premium Lounge with Credit and Debit Cards.. Based on your income, you should be able to qualify for Citibank PremierMiles and AMEX Kris Flyer and even AMEX Platinum Credit Card. However, to get the AMEX Platinum credit cards annual fee waived, you got to spend a reasonable sum with the card. I guess it would be easier to get the annual fee waived for the Citibank PremierMiles where the first year is FREE. Click here to read my review on Citibank PremierMiles Visa Signature.

As for insurance RM3000, no diff lah which card you use, even with 1% cash back, you only earn RM30 which is less than the RM50 GST. So no point I recommend you any new card as your existing cards that earns you 1X points should earn you more.

As for the CIMB and SCB cards, well do you make use of their promotions and discount offers? If yes, go figure out how much you save. CIMB Petronas credit card good on 1st of every month at Petronas

This post has been edited by Gen-X: Feb 18 2012, 03:25 PM

You spend more than RM1K, to maximize your returns, you need 2 cards.

1st card to get is Maybankard 2 Cards (annual income RM30K) where you'll be issued an AMEX and MasterCard or Visa. The MBB 2 AMEX earns you both 5% cash back (on Sat and Sun) and 5X Treats Points (everyday) and therefore meet your requirements of exchange points for gift and cash back. At places that does does accept AMEX, you still can use the MasterCard or Visa.and earn 1X TP.

Second card to get is try and apply for OCBC Titanium MasterCard (annual income RM36K), card is good - 5% cash back for Petrol, Dining, Telco, Utiliy and Groceries everyday and 1% cash back for general transactions.

Click here to read more about Maybankard 2 Cards versus OCBC Titanium MasterCard.

Click here to read my article Apple iPad2 for RM999 with Maybank Treats Points. Besides doing redemption for gift, you can do on the spot redemption for cash vouchers at many places with Maybank Treats Points.

Click here to read my artilce Earn Pocket Money with Credit Cards.

This post has been edited by Gen-X: Feb 18 2012, 03:26 PM

Non online or autodebit where you present your card in person.

Bro, do you even bother to read what I posted? Did not I mention ALL type of face to face transactions? So YES, applicable to car and house down payment, that is if they accept AMEX and you got to remember the cash back is capped at RM50/month but the 5X TP is unlimited.

This post has been edited by Gen-X: Feb 13 2012, 04:50 PM

hahaha, you also got some kind of fetish with Credit Card Credit Limit like rockefeller ar Currently, you already have the best cash back credit card for local transaction, i.e. Maybankard 2 AMEX where you can earn 7.5% returns on Saturdays and Sundays Click here to see a comparison table of cash back credit cards.

Bro, you left out one important info, that's how much you spend a month, But with income RM36K, I guess you should not be spending more than RM2K/month.

Since you already have the MBB2 Cards, you should get the OCBC Titanium MasterCard where you can earn 5% cash back everyday for your Celcom, Unifi and TNB Bills plus also at Giant and Tesco. This OCBC TMC compliments any credit cards out there.

For overseas transaction, your MBB MasterCard should be adequate (based on your annual income eligibility). Go check out MBB 2 Card Thread Post #2 where jchong have taken the trouble to show the diff between Amex and MC. But if you want to know; IMHO, the best credit card for Overseas Transaction is the Maybank Visa Infinite where you are sure to earn money from it. Click here to read about the benefit of Maybank Visa Infinite.

As for CL, as mentioned in the first post, we not the bank and therefore won't be able to tell you how much CL will be assigned to you. However, if you want to know my CL ranking, I have posted previously posted in my article titled Malaysia Credit Card Annual Income and Credit Limit.The article was posted exactly 1 year ago, therefore, since then my CL have changed too. If you use your credit card often, the banks will increase your CL with time and if you really need high CL, go get AMEX Charge Card.

This post has been edited by Gen-X: Feb 18 2012, 03:23 PM

For overseas, better to have more than one card issuer just in case. I hate to say this, not really ethical, however if you put that aside; for your company expenses, use MBB 2 AMEX and earn 5X TP or 2.5%. For emergency cash withdrawal overseas, UOB Debit Card is pretty good but they charge RM12 per transaction.

Bro, since you got MBB Loan and you want MBB cards, you can either call up MBB Customer Service or go to MBB Card Centre at MBB HQ or call MBB Tele Marketing Centre or just go to the branch you have the loan and apply for the card. The contact numbers can be obtained from MBB website.

Well, I do think PBB credit card is not one of the better ones as far as standard card features are concerned Go for Maybankard 2 Cards. Click here to my article Entry Level Credit Card to find out why.

Maybankard credit cards are accepted at many places for 0% installment plans including SenQ, and Harvey Harvey Norman.

Since when Citi Shell was the best petrol card? Unless you had outstanding balance.

For petrol read this thread.

For your case, click here to learn more about the OCBC Titanium MasterCard. However if your insurance is paid yearly, then you may loose out with the OCBC Titanium MasterCard because the cash rebate is capped at RM50/month. But the good news is that with the insurance payment, you would have spent RM10K/year and that automatically qualifies you for RM50 GST waiver by OCBC

with the money you earned from OCBC, you can have many "free" cups of coffee or movie tickets OCBC not much offer here but in Singapore you do get offers at many places.

To compliment your MBB2 Cards get OCBC Titanium MasterCard and earn 5% cash back for TNB, Celcom, Unifi,Tesco and Giant everyday. Click here to see where else you can earn 5% cash back with OCBC TMC[/b] compiled by ronnie.

As for overseas, your MBB 2 Cards should be good enough. Check out jchong's table at MBB 2 Cards Thread post #2, where he did a great job preparing a table to show foreign conversion rate for AMEX and MC

This post has been edited by Gen-X: Feb 28 2012, 12:12 PM

For Petrol and GSC, UOB One Card. The One CArd earns you flat 5% cash back PLUS SMART$ Cash which will earn you more versus your Citibank Shell card.

For movies on Fridays, Citibank Clear Card. But the clear card is not a cash rebate card.
For TGV Cinemas on Saturdays - you Shell card gives you 1 For 1 Free movie ticket click here for Citibank Credit Card Promotion 2012.

You want the card for what purpose? Please follow template at first post or or click here to read my article on Entry Level cards and determine for yourself.

Based on your stated annual income YES