Since you are a foreigner, I guess if you have Maybank Account, go talk to your them. According to MBB website, you can apply for their credit card but you need to submit documents relating to your employment. MBB 2 Cards world satisfy your requirements for petrol, cash back and you can redeem your Treats Points for MA Enrich Points.

Worst come to worst, if you got RM20K to deposit, go get Alliance Platinum Debit Card where you can get 1.5% cash back for petrol and other transactions.

Bro, I assume you did not read his post. he is a foreigner. According to MBB website, he needs to have a MBB account.

Maybank Petronas Credit Card which has no monthly cap for petrol at Petronas BUT their minimum income starts at RM30K. You can try to apply.

For CIMB they do have Petronas card the cash back is like 2% and 5% on the first of every month.

For your case, get UOB One Cardwhere the annual income requirement is RM24K where you can earn 5% at Petronas but there is a monthly cap. Go check out what is the latest cap.

Goto to the airport lounge thread for more details. Looks like you can qualify for Citibank PremierMiles or Platinum.

Click here to read my more than a year old article on FREE credit Cards i.e. no annual fee OR Click here to read my article on Entry Level Credit Cards.. My recommendation is get a card from the bank where you have existing account. Having said that, I recommend you try apply Maybankard 2 Cards (goto to MBB2 Thread to read more).

Check out Citibank Clear Card where you can get Free ticket every Friday at TGV, GSC and Cathay and on Saturdays at TGV. Click here to read more on Citibank Credit Card Promotion


For you case go get Maybankard 2 Cards. Spend RM1K on a Saturday and Sunday with the AMEX (within a year) and your GST is offset and you still earn 5 times points

Banks nowadays need proof of income and if you really earn RM96K, you would have paid income tax, so you can submit your BE Form as proof of income. However if your income is tax free, sorry.

Maybank 2 Cards would be great as a back up since it is FREE FOR LIFE and the AMEX can use to purchase air tickets too for most airlines.

Your cards all useless Go get Maybankard 2 Card and earn yourself RM600 in cash back and minimum 120K Treats Points in a year with RM2K spending a month. For your easy reference, click here to read my article on Maybankard 2 Cards. . Check if your drinking place accept AMEX. For insurance most probably not unless yours is AIA where certain offices accept AMEX.

Also do consider OCBC Titanium cash back where you earn minimum 1% cash back (good for your insurance) and 5% for Telco, Dining, Utilities and Petrol.

You are a foreigner and earning SGD, go talk to you SG bank.

This post has been edited by Gen-X: Jun 11 2012, 07:19 PM

Looks like you only qualify for UOB One Card but you can try and apply Maybankard 2 Cards where the AMEX earns you cash back.

Since your income is RM30K-36K and you want cash back, click here to my Cash Back Credit Card Page for more info. Maybank Visa or MasterCard credit card overseas conversion rate is amongst the lowest. And if you lucky, you may even earn 5% cash back with the AMEX card for overseas transactions but bear in mind the AMEX conversion rate is much higher than Visa or MasterCard. If you ask me, apply for both Maybankard 2 Cards and OCBC Titanium MasterCard.

Look back few post where I replied to several posts where one or two are similar to your case.

Maybankard Petronas if you pump at Petronas else consider HSBC Amanah where you get the annual waived with 12 swipes.


You are on the right track, go apply for MBB2 Cards and use the MC for overseas transaction. And I believe even with the MBB 2 MC x1 TreatsPoints, you still get better benefit compared to your Citibank in terms of points redemption.

Maybankard 2 AMEX generally not accepted at Petronas. Yah, OCBC TMC best for you.

Huh? my math must be bad, How you max out both MBB2 and OCBC when you spend only RM1.5K? And even if you do max out the MBB 2 AMEX CB, you still earn approximately 2.5% with the 5X TP.

The thing is, with another 1% cash back CC, you'll need to spend extra RM5000 a year on the new card just to break even with the RM50GST.

This post has been edited by Gen-X: Jun 15 2012, 11:23 PM

Bro, you did not give a breakdown of your expenses. Noted you have Citibank Plat Cash Back and therefore I assume you would have use it for petrol in order not to use up your Cash Back allocation for MBB 2 and OCBC TMC. So I guess you looking into SCB Business Plat is in the right direction. Unless you need another card for petrol, then look into UOB One Card.

As for SCB Business Plat, go check out if the points redemption is worthwhile comparing it to Alliance Plat (free with 12 swipes). I believe Alliance Plat do give you better cash back (up to RM5K per month) compared to SCB Business Plat.

Another option is HLB Essential which does give you 1% unlimited cash back but nothing for petrol.

Alternative, if you want 2% cash back for all your non online transactions, go open an Alliance Privilege Banking Account and get their Premier Debit Card.

But like I said, if you spend RM5K a year with 1% effective CB CC, you ain't earning anything and wasting your time. Maybe using your MBB 2 Visa or MasterCard with 1X TP (0.5% equivalent CB) is even a better alternative since it comes with no extra cost and time to you.

haha, maybe you better not get a credit card since you are not good in saving money and said you will go get new phone after getting a CC (double die in Hokkien, hahaha).

Point is - you don't need a credit card to get a new phone. Either you have the cash or don't.

But if you still die die want CC, get Maybankard 2 Cards or OCBC Titanium MasterCard and you'll benefit more from them.

suggest you read my series of articles on credit card by clicking here to the prelude to start off.

This post has been edited by Gen-X: Jun 17 2012, 03:00 PM

Go read thread http://forum.lowyat.net/topic/1791878 or click here to read my article on free airport lounge access with credit card

The credit cards that meets your requirements have annual fees (but can be waived) except for SCB Visa Infinite is you have Priority Banking.


If you are earning RM30K and pump petrol at ESSO or Shell (check if your petrol station accept AMEX), then get Maybankard 2 Cards. Else you can get the UOB One Card to earn 5% cash back for petrol BUT for general transactions, the cash back is pathetic at 0.3%.

Actually AMBank Carz card not too bad for petrol. Don't you get the card for FREE since you are a staff?

Alliance Bank also not to bad since you earn cash back plus points and annual fee waive with 12 swipes. I guess in the meantime, you can't be picky and once your income hits RM36K/year, go get OCBC Titanium MasterCard.

since you spend most of your money on Petrol, Dining and Groceries AND above RM2K- you should get both MBB 2 Cards and OCBC Titanium MasterCard. Click here to read my review of Maybankard 2 Cards versus OCBC Titanium MasterCard..

For purely online transactions for gadgets purposes, I myself prefer to use Debit Card because you can then control the damage (due to fraud or accidentally charging it).

Try Public Bank Debit Cards (and treat them like prepaid Card), they have branches everywhere to deposit cash. You can open a PBB savings account (not necessary) and link the Debit Card and thus you can pay bills online too. All my children have HLB and PBB Debit cards and got no issue to purchase stuff online.

If you want a credit card, get Maybankard 2 Cards and you won't have problems using the Visa or MasterCard for your online transactions. The cards are Free For Life.

As for opening online account for CC, not necessary as your will receive monthly statement and will have adequate time to make payment. But if you are familiar with online banking, yah sure, it's FREE to sign up for online account and it is more convenient to make payment.

I myself use RHB Debit Card linked to my savings account for my online transaction and the security is not bad as they will sent a One Time Password to my phone.

Once again, since you are new to credit card, I suggest you click here to read my articles on Introduction to Credit Cards. And from there, you can go read my article on Maybankard 2 Cards.

My children use their cards for ipod/ipad apps, iTunes, ebook, shopping (the girls) and etc.

Any Visa or MC credit cards should be able to do online transactions unless the card specifically mentioned no online transactions (e.g. Alliance Debit Card) or in some cases the merchant needs a name on the card (e.g. HLB Junior Debit Card and my RHB Debit Card has no name). And I believe your MBB Debit Card also has no name printed on it and maybe that's the reason why you got issue. For example, my children HLB junior Debit Card cannot sign up for itunes account but they can do it with PBB Debit Card.

Try PBB Electron Debit Card (as I said, you can treat it like a Prepaid Card, but there is an annual fee), the card comes with your name on it and you also get a monthly statement.

If you pay income tax, write an appeal to OCBC and enclose your BE form (tax receipt too) and or EPF Statement to proof your income.

And since you need a card for work related expenses and you got MBB 2 Card, I guess you need another card from a different issuer more as a stand by card. Therefore the only criteria I see is you need a FREE FOR LIFE card that saves you the hassle to call in for annual fee waiver.

Options:

Alliance Bank (free with 12 swipes) - cash back (for petrol too) plus points.
HSBC (free with 12 swipes) - points only nothing for petrol unless there is a promotion. Or if you want cash back. consider their Amanah card.
PBB - also free with 12 swipes but you earn miserable cash back starting at 0.3%
CIMB cards most are free.

If you don't mind the hassle to call in to get the annual fee waived, any card also can do Go check out the banks websites and see which card having promotion offering cash or gifts e.g. Citibank and SCB.

For Cinema get Citibank Clear Card where you get free movie tickets on Fridays at TGV, GSC and Cathay and on Saturdays too at TGV and RM10 other days at TGV until end of year. For Petrol get OCBC Titanium MasterCard.

Click here for Citibank Credit Card Promotion and click here for my review on OCBC Titanium MasterCard.

This post has been edited by Gen-X: Jun 19 2012, 12:12 PM

Why submit to tax agent? You mean LHDN? You did not make a copy for your records? If no, then use EPF statement lah. Try appeal if you really want the OCBC TMC.

read my reply above where I posted after only seeing your post. Since you earn more than RM50K, don't waste your time getting UOB One Card when you can qualify for better cards.

Noted you want local bank, but you should look into Citibank Clear Card if you want for cinemas. And the card you should apply for is Maybankard 2 Cards. Go to Maybankard 2 Cards Thread and Places That Accept Amex thread for more info.

What you mean by supplementary card?? For Petrol and Groceries OCBC Titanium MasterCard.

Boy, you really want to me guess don't you.
For Education where? Overseas or Local. If for overseas, MBB Visa Infinite.
If local.. for what purpose? Installment or Rebate? If installment go check with the school. If cash rebate, look into OCBC GE card.

1. Free For Life
2. Two Cards for single GST i.e. AMEX with Visa or AMEX with MasterCard
3. 5X Treat Point Everyday with the AMEX Card for all type of transactions. (Most Visa and MasterCard earns you nothing for petrol in terms of points). However not all Petrol Station accept AMEX. But if they don't, still got the Visa and MasterCard which earns you 1X Treats Points including Petrol.
4. On top of the 5X Treats Points with the AMEX, you can earn 5% cash back every Saturday and Sunday up to RM50/month for any type of transactions. That's RM600 on top of the reward points a year

So with your spending of less than RM1K. the AMEX can earn you 5% cash back every Saturdays and Sundays on top of the 5X TP (which is unlimited). If you use pay pal for your online shopping, go check out other members' posts at MBB 2 Thread.

Like I said, go check out Places that accept AMEX thread and see if you can benefit from Maybankard 2 Card.
Aiyah, earlier I lazy to go copy link for you and looks like you did not read previous posts, so for your easy reference click here to read my review of the Maybankard 2 Cards.

Also check out my other many articles on how I benefit from Maybankard 2 Cards, for example, here is one of the New Toshiba i5 for RM999

This post has been edited by Gen-X: Jun 20 2012, 10:34 PM

I don't see the need for you to get any other cards unless you want free airport lounge or another back up card (which in this case should have kept your CIMB DA) .

For Hotel, you MBB 2 Visa gives you 6% discount at Agoda.
For Flights, your MBB 2 AMEX earns you minimum 5X TP which is better than Citi Air Asia Card. Even your OCBC TMC with 1% CB is considered very good.
For Online shopping, this one you know more than me on how to maximize the 5% cash back with AMEX

The thing is CIMB DA is truly Free For Life and great as standby card, don't have to worry about swiping x number of times or go thru the hassle to call CS to get annual fee waived. Don't spend a single sen also no issue.

Noted you want Cash Back card, besides the cards you have, the other Cash Back cards don't really benefit you since you don't need it for petrol and the only other card that I can think of which is better than OCBC TMC is Alliance Plat (for non petrol, groceries, utilities and telcos). The Alliance Plat earns you minimum 1% equivalent cash back after taking into consideration of the points but Alliance got not much promotion except that the Plat grants you unlimited entry to KLIA PPL. But like most cards, the annual fee is waived with 12 swipes.

So, the only thing I can think of is look for a card that gives you like 10% discount at merchants you do patronize. You will need to spend time checking out the banks websites yourself For starters, click here to check out Citibank Credit Card Promotions.

And check this out, FREE Starbucks Drink and GSC Movie Ticket every Friday with RHB Credit or Debit Cards.

Firstly, decide, you want cash back or Free LCCT Lounge Access. You can't have both for CC unless you get RHB Premier Debit Card or Alliance Bank Premier Debit Card. For Free access to Airport Lounge with CC, please click here to the relevant thread.

Since you are a foreigner, go talk to the bank where your salary/income is deposited and see what are the documents required if you are allowed to apply for their credit card.

yah MBB 2 Cards and OCBC good for your requirements if you do not consider the cinema requirement. And since you do spend up to RM2K, get both cards For MBB 2 Cards, it depends if the petrol station you pump with accept AMEX and if you can wait till Saturdays and Sundays to pump petrol and do your groceries.

If you can give me a breakdown of your expenses and the merchant, then I can roughly tell you which card is better. You can also go compare the cash back you can earn yourself based on the table I prepared by clicking here to my Cash Back Credit Cards Page.

For cinemas, look into Citibank Clear Card.