1. Annual Income: 78000

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, shopping malls, groceries, free travel, bonus points redemption, free from GST if possible.

4. Existing credit cards if any: CIMB Gold

5. Looking at CC from: anything

6. Others: none

WHOW, too bad the MBB 2 rejected. Anyway read back previous posts as many similar to your case, I too lazy to go cut and paste just as you are too lazy to go read the posts, hahaha

Also go to Petrol Thread http://forum.lowyat.net/topic/1798403, maybe look into AMbank Carz but cash back limited to RM20 only. Best if you can switch to Esso and get PBB Esso Debit worst come to worst.

Click below link to read my article on OCBC Titanium
http://creditcardsmalaysia.blogspot.com/20...-card-cash.html

EON Bank also waive the GST if you swipe 36 times if not mistaken. Go to their website to check it out.


OCBC Titanium for Petrol and Groceries, free GST if spend RM10K with it. Click link above to read about OCBC Titanium.

And or get the Maybankard 2 Cards as soon as possible where you get 5X Treat Points for ALL transactions and additional 5% cash back on Saturdays and Sundays with the AMEX. If spend RM2000 = 10,000 Treats Points that can be used to offset GST or just spend RM1K on a weekend you will have earned RM50 in ADDITION to the 5X TP.

Click link below to read about Maybankard 2 Cards

http://creditcardsmalaysia.blogspot.com/20...an-express.html

Both cards above are Free For Life.

FREE travel - well you got to choose you want AirMiles Or card for petrol and groceries. Also, AirMiles card tend to have higher annual fees.

This post has been edited by Gen-X: May 30 2011, 06:51 PM

i read before, got uob one card, but hypermartket rebate need spend rm100++ per transaction, petrol need spend 70++ first transaction, so it is out.
ocbc titatium card, saw pledge FD, still available? minimum need pledge how much for my income to get approve?

below i clearly stated my expenses so that you can help me choose best card base on my anual income

car loan(maybank)- 400, maxis 200, petrol 350-400(per transaction 50), touch n go 200, carrefour 500(per transaction 60+-).

above is my fix monthly expenses, any card will do? any good card recommend? i can pledge small amount of FD

This post has been edited by WHOW: May 30 2011, 09:24 PM

Unfortunately, OCBC no longer allows pledging of FD.

With Petrol RM400, Grocery RM500 and Maxis RM200, best would be the OCBC TMC and MBB2 but you don't qualify for now.

The Citibank Shell Credit Card may be actually good for your case since you like Shell anyway. Click here to Citibank Shell site and check out how much you can get in return.

Or if you willing to pump at Esso, consider Public Bank Esso Card and combined with the Smiles card, you can earn up to 3.5% for petrol and for other transactions you still earn 0.5% cash back.

After 1 year or even 6 months, apply for MBB 2 again.

OT. your Maxis bill RM200 too high considering your income bracket. You should seriously relook into this and the savings you can get from it will be better and more than any credit card cash back. And your TnG is high too, RM200 which is half your petrol, I really cannot understand this. Just Maxis and TnG is already close to 20% of your income, you can cut it down by half and you will automatically earn extra RM200 per month.

This post has been edited by Gen-X: May 30 2011, 10:51 PM

1. Annual Income : RM36K

2. Free Lifetime Annual Fee : A Must

3. Card required for : Petrol, Cash Back/Rebate, Shopping Malls, etc

4. Existing credit cards if any : Nil

5. Preferred Bank or Considering CC from banks: No

This post has been edited by Sifha238: May 30 2011, 11:23 PM

shell citi bank gold requirement is 36k, which i don't think they will approve me right? even they approved, what i benefit from is just roughly cash rebate RM20 per month from shell without any rewards point/ cash rebate on others spending.

public bank esso with my spending trend, i think rebate is around RM10 per month only.

the market now without any good CC for fresh graduate or low income group? or should i wait for better card in my range come out? actually i don't mind rewards point or cash back, as long as the add up is highest will do. i don't mind change petrol station too.

the expenses stated has already in my monthly budget calculation, so everything go fine and i didn't want to owe bank money too when having CC. TnG 200 due to every month i go back hometown toll 100+- d and working pass by toll too. maxis 200 is 3 ppl using, as i paying for my family line. anyway thank for the spending advise, recently i also looking to cut my expenses, that's why i can stated out my monthly spending budget, but still it is tight budget and some category will over occasionally:9 sigh.. nowadays life are tough, everything price increase. come out with some good credit card for young worker please

for the STD CC, 1 reward point roughly 0.5% only:( and the RM128 online rebate also not much.
but if i apply it and cancel after 3-4 month , will it worth? as now i also not have much choice

This post has been edited by WHOW: May 31 2011, 01:19 AM

the was never any good CC for fresh graduate in the first place. Most of us Seniors here started of like you, having only basic credit card for convenience purposes. We had to build our credit history over years and as our earning increased, we could apply for better rewarding cards. Just go get a card, and by next year if you have a good credit records and with increment in your income, you will easily get cards from the banks.

OT. I still think you can cut down on Maxis even if you mentioned you paying for 3 people. If it is for family, maybe you should go check out celcom where family line only RM5/month and calls within the lines are free. As for going back hometown, go take the bus?


OCBC Titanium MAsterCArd and Maybankard 2 Cards.
Click below link to read cards that are generally free (you still got to pay GST except for OCBC Titanium where they absorc it if you spend RM10K with it annually).
http://creditcardsmalaysia.blogspot.com/20...a-is-there.html

This post has been edited by Gen-X: May 31 2011, 09:59 AM

Gen-x .. I read your blog ... very resourceful and informative

One question I'm curious. One of your comparison is based on the points/rewards.

Are all points/rewards standardized across banks? Is one point/reward in one bank, the same value as the other bank?

Cos some banks might offer 5x but in the end gift redemption might require many points for similar item.


Right now I'm having HSBC visa signature (main and supp) and HSBC gold master (main and supp)... tempted to get the maybank2 cards to replace the gold master.

Generally, the reward system RM1 = 1 reward point comes out to be approximately 0.5% or less in returns when we redeem the points, that is why some cards give 0.5% cash back instead of points.

So for cards offering 5X, it will definitely be better than cards offering 1X points.

And thank you for reading my articles.

This post has been edited by Gen-X: May 31 2011, 12:10 PM

Ok thanks.

I was just wondering if banks were sneaky. Don't want to find out that RM50 redemption voucher is 500 points compared to other banks 100 points.



1. Annual Income : RM120K

2. Free Lifetime Annual Fee : A Must

3. Card required for : SHELL Petrol, Cash Back/Rebate, Shopping Malls, restaurants, no govt tax, auto bill payment eg. astro, tnb, maxis, insurance, etc.

4. Existing credit cards if any : HSBC Signature VISA (main and supp) and HSBC Gold Master (main and supp)

5. Preferred Bank or Considering CC from banks: No



What do you think is suitable for above? My monthly statement ranges from 7k to 20k.

1. Annual Income: RM30K - RM32K

2. Free Lifetime Annual Fee: Not necessary.

3. Card required for: Wanna do installment with 0% interest(Primary). Get point for shoppin and maybe(other).

4. Existing credit cards if any: Nil.

5. Looking at CC from: Which one is better n suite for above purposes

6. Others: Wanna buy motorcycle. Got cash money but prefer to have cash flow by paying installment via CC other than motorbike shop.


TQ

1. OCBC for Petrol (and if your petrol bills do not add up to RM1K, charge some utility bill to it) Monthly rebate RM50. Annually cash rebate RM600. Also Rm50 GST waived.
2. Alliance Bank Platinum credit card if you got monthly insurance or any other monthly expenses that is not chargeable with Amex card. Cash back applicable up to usage of RM5K where you get RM68+/month. Annually you'll get back more than RM800. On top of cash back, Alliance do reward you evergreen unlimited reward points RM1 = 1 point for local transaction.
3. Charge the rest into Maybankard 2 American Express and get 5X Treats Points equivalent to 2.5% return (better than Alliance) and maximum RM600 cash back annually if you spend RM1K every month on either Saturdays or Sundays.

From 3 cards above, possible max CASH back around RM2000 per year with RM7K monthly spending. Yet to even include Alliance reward points and Maybank Treats Points.

Your HSBC use when you get discount at merchants only, hahaha



0% installment, go check the merchant where you want to purchase the stuff accept what card and then go apply that card. No point I tell you go get Maybankard 2 Cards and the merchant don't accept Maybank for 0% installment. But I think most merchants accept Maybank cards for 0% installment.

That's some plan you proposed there.

A bit tricky to manage but seems workable.

For supplementary, which should I go for? Cos i understand cashback and 5x not applicable for supp cards in some banks.

Most supp card should be entitled to same reward point and cash back scheme . What your supp spend on? Best I suppose is the Maybankard 2 American Express where you'll be guaranteed 5X Treat Points. Go to Places that accept AMEX thread to get an idea where it is accepted.

The amount spent on the supp card gets separate RM50 cashback? Or does it accumulate to principal only?

Supp is for wife to use eg. groceries, hairdresser, medical, shopping, etc.

Which card you supp to your wife?

No, the RM50 is shared. For groceries, the AMEX is accepted at most hypermarkets/supermarkets. Hospital such as Sime Darby and Pantai too. Shopping depends lah, yes she still need a Visa or MasterCard.

My wife hold supp cards as follows: Amex Gold Charge Card, Maybankard 2 Plat cards, UOB Plat, Direct Access World MasterCard and Visa Infinite.

She has her own Alliance Plat MC, Maybankard 2 Platinum cards (yes, she has both supp and principal, long story but if you interested in it, click here to read about it) and recently Citibank PremierMiles (so that she gets her own Priority Pass for airport lounges worldwide). She also has Alliance Debit card which gives her 2% cash back. She only uses her own cards to go buy stuff that she doesn't want me to know off e.g. jewellery, hahaha

This post has been edited by Gen-X: May 31 2011, 04:09 PM

OMG

How do you both manage so many cards? Must closely monitor the expenses very closely in order to max out the benefits every month and cover the annual fees/govt tax.

I will take your recommendations into considerations and try to apply for them. Will also prepare to cancel the HSBC, since they are useless compared to your recommendations.

yah, I know, gerardling call me crazy and someone else mentioned about fetish for credit cards The list above only part of my cards, click here and here too too see all my cards.

HSBC does have its benefit tho, like if you book hotel thru Agoda you get 10% discount. And some merchants do give discount. Go to HSBC thread and click on the links I posted to check out the merchants offering discount with HSBC card.

I used to have many also (before govt tax rule) eg. SCB Infinite, Alliance Ikea visa, EON GSC card, UOB one, etc..

My wife went crazy trying to organize and pay the statements with different anniversary/billing dates.

You probably have a systematic approach to charge the cards (based on priority), monitor total spending and a proper schedule to pay the statements.

1. Annual Income: min RM96000 (sole proprietor - 2years++)
2. Free Lifetime Annual Fee: Must
3. Card required for: Petrol, shopping malls, groceries, insurance, utility bills - auto payment
4. Existing credit cards if any: MBB Petronas Gold (RM 10k limit), citibank gold (supp card) (RM19k limit)
5. Looking at CC from: anything
6. Others: prefer RM20k limit

plan to cancel both card and apply 1 card that can have RM20k.
please advice.
thanks