Maybankard 2 Cards - FREE FOR LIFE
Click here to read my review of Maybankard 2 Gold Card
The MBB2 AMEX good for Petrol on Saturdays and Sundays as you can earn up to 7.5% returns not including reward points from the petrol card. Click here to Petrol Thread.

The MBB 2 Visa/MasterCard is accepted at many places for installment plans - e.g. DELL

You can also consider OCBC Titanium MasterCard (Income Requirement RM36K/year) where you earn 5% cash back everyday at ALL Petrol stations but places accepting it for installment plan is less than Maybank. Annual fee waived with 12 swipes. Click here for OCBC Titanium MasterCard versus Maybankard 2 Cards versus UOB One Card

Go get OCBC Titanium MasterCard and once you get that - Change your MBB Petronas Ikhwan to MBB 2 Cards because the OCBC will earn you more even at Petronas . Read the links I posted above in my reply Hevrn.

or click below link to read my latest article where I have links to the OCBC TMC and MBB 2 Cards.

The Best Top 10 Credit Card in Malaysia

First thing go get OCBC Titanium MasterCard and earn 5% cash back for your Petrol at ALL stations and for dining too. As for Hotel, if you stay in 3 Star and above, they should accept AMEX, so get Maybankard 2 Cards where the AMEX earns you 5X Treats Points which is way better than your SCB Plat in terns of returns.

Once again click the above links to read more about the cards.

Wah, student can spend RM5K a month! Ask the loaded guy who is supporting you to go get a Maybankard Visa Infinite and then supp one to you.

Maybankard Visa Infinite - A Comprehensive Review

As for petrol, please go read petrol thread.

This post has been edited by Gen-X: Mar 11 2012, 11:14 PM

If Petrol is you main expenses, then get the UOB One Card

If you watch movies on Fridays then consider Citibank Clear Card, but it is not a cash back card.

Currently CIMB got no Balance Transfer Plan. Yes, you need to apply for a new card for Balance Transfer. Since you mentioned Petrol as a requirement, UOB One Card and OCBC Titanium MasterCard where you can earn 5% cash back. However, I am not sure if these two cards have any Balance Transfer Plans at the moment.

Goto M2U to see the requirements and then go to the branch you got savings account with and seek further info. But I got a strong feeling because your Contract only one year, I don't think Maybank is going to issue you any credit card. Ask if you can pledge FD.


Maybankard 2 Cards, go to Places That Accept AMEX Thread to check out the restaurants that accept AMEX.

Firstly, there is no such thing as the Best credit card. It depends entirely on where you spend your money and what you want in return. Having said that, click below link to read my article on best credit cards

The Best Top 10 Credit Cards in Malaysia 2012

If you are talking about overseas transactions, there is a slight difference between the conversion rates when comparing Visa versus MasterCard. Click below link and read 1st page and then for MBB Visa vs MC, go read jchong and zenquix post from post#170 onwards. If you ask me, most places that accept Visa also accept MasterCard. But, if kiasu like me, get Visa and MasterCard

http://forum.lowyat.net/topic/1845691

And since you spend RM1K to RM2K, recommend you click below and read more on the following cards and then get both the cards.

OCBC Titanium MasterCard - you earn 5% cash back everyday for Petrol, Groceries, Telco Bills, TNB, Astro & Dining but the cash back is capped at RM50/month

Maybank 2 Cards - the MBB 2 AMEX earns you 5X Treats Points everyday PLUS additional 5% Cash back on Saturdays and Sundays. Once again, the 5% cash back is capped at RM50/month. The Maybank 2 Visa or MasterCard is accepted at many places for installment plans.

If you travel overseas often, better to get cards from 2 different card issuers just in case one can't go thru.

And since you are new to credit cards, click below link to read more:

Introduction to Malaysia Credit Cards CC101

This post has been edited by Gen-X: Mar 14 2012, 09:20 AM

Bro, my bad, I just reread and realised it was my mistake and confused myself

As Human Nature mentioned, nowadays it seems it comes with MC by default; but you can always specify you want Visa.

As for diff between Plat, besides what Human Nature mentioned, if you play golf, the Plat offers free green fee at selected golf clubs.

Goto Maybankard Centre at 1U or KLCC and you can get the card in 2 hours or so. Of course you need to bring along the relevant docs.


Please follow template in 1st post. You may also want to check out Thread below
http://forum.lowyat.net/topic/1845691

You mentioned in another thread just got a job, got supporting docs ar?

The card to get is OCBC Titanium MasterCard which compliments any credit cards Go ask the branch nearest to you what docs they need for people working in SG.

Also check out Maybankard 2 Cards. Go to above few post where I have links to my articles.

If you going to use the card in SG, better you get a SG debit card from OCBC or DBS where you get discount at many places.

This post has been edited by Gen-X: Mar 16 2012, 11:17 AM

When you are in Singapore, go check it out. You need to open a savings account in SG, go check it out after you get your first month salary

My local issued OCBC TMC was entitled to 10% discount at SG's Forever 21 and also cash voucher at Sommerset 303.

This post has been edited by Gen-X: Mar 16 2012, 12:11 PM

Since you spend RM2K and above, you need more than one card.

First card to get is OCBC Titanium MasterCard - you earn 5% cash back everyday for Petrol, Groceries, Telco Bills, TNB, Astro & Dining but the cash back is capped at RM50/month. So it is good for up to RM1K spending only. OCBC Bank will absorb the GST if you spend RM10K per year.

Second Card to get is Maybank 2 Cards - the MBB 2 AMEX earns you 5X Treats Points everyday PLUS additional 5% Cash back on Saturdays and Sundays. Once again, the 5% cash back is capped at RM50/month i.e. you only earn cash back for up to RM1K spending. However the 5X Treats Points is unlimited and works out to be approximately 2.5% returns which is better than any other credit card for generally transactions.

In actual fact, for your requirement the Maybankard 2 AMEX is better than OCBC - because you only need to spend RM2K and earn 10,000 Treats Points to offset RM50 GST compared to OCBC RM10K and yet earn 5% cash back on the RM2K spending.

And since you do spend above RM2K, maybe you even need another card purely for Petrol and you may consider UOB One Card or Citibank Platinum Cash Back where both cards earns you 5% cash back up to RM600 Petrol. Click here to my Credit Card Cash Back Page where I did a Comparison Table.

Maybankard 2 Cards which are FREE FOR LIFE And by spending RM2K with the AMEX which earns you 5X TP, you can earn 10,000 Treats Points to offset RM50gST.

Since it is for backup, in case the AMEX not accepted, you still got the MasterCard or Visa

Click on the link I posted above in my earlier replies to learn more about Maybankard 2 Cards.

And since you are new to credit cards, click here to read my article Introduction to Credit Cards 2012

Based on your requirement, first card to get is OCBC Titanium MasterCard - you earn 5% cash back everyday for Petrol, Telco Bills, TNB, Astro & Dining but the cash back is capped at RM50/month. So it is good for up to RM1K spending only.

Too bad MBB rejected your application for Maybank 2 Cards. Try go to card centre at 1U of KLCC and reapply. If rejected again, go check your CCRIS report.

And since you do spend above RM1K, you may need another card purely for Petrol and you may consider UOB One Card or Citibank Platinum Cash Back where both cards earns you 5% cash back up to RM600 Petrol. Click here to my Credit Card Cash Back Page where I did a Comparison Table.

Maybankard 2 Cards - that is if you don't pump at Petronas and you can pump on Saturdays and Sundays. The reward points you earn with Maybankard 2 Cards good lah, can offset GST

Item 6 - well there is this thing called Credit Card Protection insurance offered by third party and some promoted jointly with the card issuer but it is not free. I can't remember, but there is one premium or platinum credit card that do offer 0 liability against fraud case.

From my experience, Maybank Visa or MasterCard not bad as you will get a One Time Password by sms. Same for RHB Debit Card. AMEX the worst security feature. I think your UOB card should be the same(?) So, if you ask me, if you kiasu like me, get a Debit card for online transaction where you can control the damage, i.e. no money in account, nothing to loose, haha.

As for cash back card, look into Maybank 2 Cards or for petrol UOB One Card. Check out my reply to klcc212 and click on the cash back link.

HLB Essential 1% CB, no limit but you got to check if got auto waiver. I will still recommend you to get Maybankard 2 Cards where AMEX gives you 5% for up to RM1K spending, balance RM9K go earn your 1% or less

All AMEX Amex cards earn you minimum 2X Membership Reward points and you can convert to cash to offset your bill. 2X = 1% cash back too.

And by the way, you mentioned spending RM10K/month and your income RM30K, which means your CL in accordance to BNM ruling is RM5K. So if got problem on CL, go get AMEx charge card.

Agree with Titan_Gunners but not much benefits. What benefits you talking about? CIMB pretty good for Duty Free at Eraman.

If you click below link to my article, you will note that there is no cash back Credit Card that gives you Free access to LCCT PPL.

Free Entry to KLIA LCCT Plaza Premium Lounge with Credit Cards.

But 2 Debit Card go give you complimentary access to LCCT Plaza Premium Lounge:

1. Alliance Privilege Banking MasterCard Debit Card that earns you up to 2% cash back up to RM9K.
2. RHB Premier Visa Debit Card - unlimited 0.5% cash back.

Click here my blog called Ringgit Wise Fool to read more about Privilege Premier Priority Banking.

So, for your case, get Maybankard 2 Cards and OCBC TMB for cash back and you can qualify for Citibank PremierMiles which is not a cash back card but it grants you FREE access to LCCT and KLIA PPL

This post has been edited by Gen-X: Mar 29 2012, 04:14 PM

shawnk, for overseas conversion rates, click here. See the first post and the last few pages where jchong and zenquix have taken the trouble to compile conversion rates for Maybankards. Lowest is MBB MasterCard.

For cash petrol, UOB max cash back is RM30 i.e. up to RM600. Read carefully the link you posted. This card is good card to compliment MBB 2 Cards and OCBC TMC if you touch the RM50 cap. But for general transactions the UOB earns you 0.3%.

Click here t o my Cash Back Page where I have a table comparing different credit cards,

OCBC TMC is great for Petrol, Dining , Astro, TNB, Telco and Groceries where you earn 5% Cash Back.

Maybankard 2 AMEX is great for weekends as you earn 5% for any transaction PLUS 2.5% CB based on points everyday. Problem is not all merchant accept AMEX.

So if you ask me, get both MBB 2 Cards and OCBC TMC and earn 5% CB. And cancel your AMEX Gold CC

Just to point out, if you are thinking of getting OCBC TMC purely for your insurance because most insurance companies do not accept AMEX except for Etiqa. But AIA office in Jln Ampang and PJ do accept AMEX (reported by wshoh and MGM. So if say your insurance premium is RM3K, you will earn 1% with the OCBC TMC = RM30, not enough to cover the GST, haha. So if say you have the Maybankard 2 Visa or MasterCard, use it for your insurance premium and you will earn 1X TP which is like 0.5% returns or RM15 and not need to pay extra GST.

As for MBB 2 AMEX 5% cash back on Saturdays and Sundays, it is not guaranteed for online transactions - some people reported they got the 5% cash back and some did not at the MBB 2 Thread,

For your case get OCBC Titanium MasterCard (annual fee waived with 12 swipes) and Maybank 2 Cards (Free for Life no conditions) for up to RM2K spending and earn RM100 cash back per month.

Click here to my Cash Back Page at GenX GenY GenZ to see comparison and links to my review of the cards mentioned above.

Look into Alliance Platinum where you can earn up to RM68/month cash back in addition to points for up to RM5K spending AND this card grant you unlimited access to KLIA Plaza Premium Lounge. Annual fee waived with 12 swipes a year. Good for insurance up to RM5K.

Wherever AMEX is accepted, use the Maybankard 2 Amex Card and earn equivalent to 2.5% returns when doing redemption for cash vouchers.

Click here to read me article Earn Pocket Money with Credit Cards at My Credit Cards.

For FREE access to BOTH KLIA and LCCT Plaza Premium Lounge, read my article by clicking >>> Free Access to KLIA and LCCT Plaza Premium Lounge with your Credit Cards and Worldwide Airport Lounge too. If you have Priority/Premier Banking account with RHB, SCB and UOB, then you get FREE FOR LIFE cards. Else getting Citibank and call for annual fee waiver yearly

Alliance not in Top 10 this year because not much other benefit besides the 2% equivalent cash back for RM5K spending and KLIA PPL. But it is a great card for those who do spend RM5K a month at places that do not accept AMEX . And if you read my article Louis Vuitton Wallet for My Credit Cards and Wife's too, you will note that I carry the Alliance card with me.

For Premier/Privilege Banking credit cards for access to LCCT and KLIA PPL

Citibank RM200K - Free Plat card. Unlimited access to KLIA and LCCT Or 12 times.
RHB RM200K - Quota 4 entries/year
SCB RM250K - Unlimited entries worldwide airport lounges. They will impose you a penalty fee if your AUM falls below this.
UOB RM500K - once a month only!!!

But Bro, since you do spend RM10K per month, RHB Normal Plat, they will waive the annual fee if you spend RM36K/year.

This post has been edited by Gen-X: Apr 7 2012, 11:55 PM

Aiyah, I stated Alliance for KLIA only right. You want both KLIA and LCCT I also mentioned the cards. Please read carefully.

As for PB, well, you are suppose to maintain the required AUM. But like I mentioned, only SCB got penalty. Anyway, click here to read my article on Privilege Premier Priority Banking for more info,

However, if you deposit say RM200K in FD just for a PB card for airport access, I want to point out to you that you might be losing out at least RM1K a year if you don't take advantage of FD Promotions offered by banks where we can get 0.5% or more in interest rate. Check out Highest Malaysia Commercial Banks Fixed Deposit Interest Rates Promotion

I got no problems using any of my credit cards overseas.

This post has been edited by Gen-X: Apr 8 2012, 03:27 AM