Well sad to say sometimes OCBC's criteria for cc application is haywire    The easiest bank that I have come across is citibank. I applied for a card with them, did not give any payslips and did not bother providing my employers details. Filled up the form at a roadshow but then I was not keen to apply for the card when i went home. The sales guy wrote his own story as to where I am working, and when they called me for verification on that, I told them it is false and did not provide any further info on my actual employer. 2 days later the card was approved   And my annual income is lower than yours...

By the way, anyone knows if BNM's ruling of 2 cards to a person is currently being practiced or not? I've got two cards, but wanna get MBB2Card. Dunno if I need to terminate one of them before applying for a new csrd.

Until 22nd October, all Maybankard that earns TP will reward the cardholder  5X Treats Points with Ezy Pay.

fruitie, in my article 0% Installment Plans with Credit Card - It IS A Trap I mentioned that these plans entice people to spend beyond their means.

Besides making the cardholder to spend more that he has, and the banks start imposing interest when they cannot pay in full, 0% Installment plan is also a method adopted by the banks to prevent the cardholder from cancelling the card if they still have outstanding balance.

Most people go for installment plans because they cannot afford to buy the stuff outright. This is what most young people don't realize and then complain they don't have savings because things are expensive    Instead of buying the stuff with installment plan, he should be depositing the same amount into a saving or investment plan.

But for those who have cash in hand, that's a different story because one can actually earn pocket money out of this plans for big ticket items costing RM5K or more by depositing the cash into Fixed Deposit or high paying Savings Account (check out my blog early next month for my article titled The Best Savings Accounts in Malaysia). However, I personally do not like to opt for long repayment period as this means I have longer period of outstanding debts. I only go for 6 months 0% Installment Plan or Balance Transfer. This is where Maybankard is good because their Ezy Pay can start from 6 months installment plan (up to 24 months which is really not a good option as you are in debt for years!)

my annual income is rm10800
i want to use it for credit card installment only
can i apply credit card at any bank?

pls advise.
currently on hand i've a Citibank clear card.
i'm looking for a secondary CC which offers rebates(petrol and maxis bill).
also..which offers balance transfer with a low interest. (want to BT to my citibank CC).

Income per annum: RM36k+

OCBC Ti? hmm..ok great. was thinking that or UOB.
i'll read more on it b4 hand.
thx for the advise.

oh im sorry:
my spending mainly=
petrol = 300, dining = 150, telco = 180, insurance = 300, groceries = 200, movies = 50, shopping = 300

roughly this what i spend per month or maybe less (on movie, shopping and groceries)

a lot people said, including you that mbb 2 card is good...
also got ppl said mbb + ocbc combination is the best...
but i dont want to carry so many cards...
you recommend me mach by HL bank, but compare to mbb n ocbc.. how? i still reading you article. vry good but kinda long..
so if you can summarize and recommend which is suitable for me.
thanks bro.

i would suggest take the ocbc ti first as it suits your spending pattern. only consider to add another card when your expenses increase.

but u wrote ocbc no point rite?
btw if i really count...
petrol 300+ telco 180 = 480 = 24
insurance 300 = 3.00
so total = 27...

from your blog comparison for credit card cash back = mbb like more den ocbc...
dam kinda fck these cc.. have to make 2 combinations =.=

Guys want to ask something...

Say every month I have RM400 of petrol allowance, but this RM400 is not given to me in monetary term, but a Shell Card with RM400 credit it in. Should I factor in this RM400 when I calculate CC required annual income?

TQ

1. Annual Income: Rm30k-Rm36k

2. Free Lifetime Annual Fee: MUST

3. Card required for: Petrol and daily needs. Occasional instalment plans.

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: OCBC Ti or UOB One

6. Others: Cash back preferred, pay with M2U online transfer from savings.

7. Fixed expenses per month with the card: Insurance Rm150, Petrol Rm400, can't think of anything else.

8. Non-fixed expenses but recurring in RM: Monthly car maintenance? Budget Rm200 per month. (I don't spend this amount every month.
Currently looking for an entry level card. Cannot decide between these 2 cards. Looking at cash back and rebates.
Thanks in advance guys.

Hi thanks for the reply.

I prefer not to have Maybank. Service is bad, and the only reason why i'm using Maybank now is because my salary comes in through maybank, and the convenience of finding ATMs. I dread everytime i have to head over to the branch. 

I've also recently changed jobs. So i have 2 different pay slips. I'll be applying for the OCBC Ti under a program called fresh graduate program, some internal program that they have to offer cards to freshies. Only 1 month payslip needed.   

But again the limit will be set at Rm4000. Which is more than enough for me as for now. So i'm guessing that you suggest OCBC more than UOB? 

Not sure if this is a right place to ask but here goes:

I have an Ambank True card (my 1st ever card) that has no benefit what so ever, no point, no annual fee, no cash bank, etc. The only thing tied to this card is my monthly insurance charges. I currently plan to change the insurance charges to either my Citibank and get x1 point/ringgit (less then 0.5% cash back) OR apply MBB2Card and get x5 point/ringgit ( 2.5% cash back, but low chance my insurance actually accept AMEX) OR apply OCBC TI card and get 1% cash back.

My question is this. What should I do with my Ambank card? Cancel? Ask to change to another card? I dont see any nice Ambank card... and I dont see any benefit on keeping it either.

Since You already got the Best Combo (MBB2cards & OCBC Tit.) in Town...

Why Not, Consider to Get Alliance Bank Cash Back Platinum OR Gold Card as Your 3rd Card with Benefits as :

Platinum
•0% Finance Charge for first 3 months
•Up to 2.0% cash back* on retail spend
•2x Timeless Bonus Points on overseas spend
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within
a 12-month period
•Exclusive privileges and discounts at participating merchants
•Instalment Payment Plan at 0% p.a. interest rate at participating merchants
•Unlimited Complimentary Access to KLIA Plaze Premium Lounge
•Customer Service Hotline Assistance
•No lost card liability upon reporting
•Worldwide recognition and acceptance
More on Platinum Card: http://www.alliancebank.com.my/Personal-Ba...tinum-Card.aspx

OR

GOLD
•0% Finance Charge for first 3 months
•Up to 1.3% cash back* on retail spend
•Timeless Bonus Points that do not expire
•Enrich Miles Redemption via Enrich Rewards Program with Malaysia Airlines
•AirAsia BIG Points Redemption (for VISA Credit Card only)
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period
•Exclusive privileges and discounts at participating merchants
•Instalment Payment Plan at 0% p.a interest rate at participating merchants
•Customer Service Hotline Assistance
•No lost card liability upon reporting
•Worldwide recognition and acceptance
Details on Gold Card: http://www.alliancebank.com.my/Personal-Ba.../Gold-Card.aspx

OR at: https://forum.lowyat.net/topic/2474465 for More Details

Lousy Me, Before I Forgot... There is 1 More Cash-Back Card,

Hong Leong Bank Essential Credit Card
*Unlimited 1% Cash Rebate on ALL Retail Purchases, Except Petrol Purchase
*Low Cash Advance Fee only 2%
*Low Cash Advance Rate at 10.8% p.a
http://www.hlb.com.my/pfs/cc/ccessential1....lag=ccessential

1. Annual Income: RM60K or RM60K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol, cash back, utilities(tm,tnb,astro), sometimes shopping, retail

4. Existing credit cards if any: maybank platinum 2cards, bank rakyat gold(just terminated)

5. Looking at CC from: any that could provide good cash back

6. Others: Please be specific.  prefer cash back as rewards point (maybank 2plat already have 5x points).
Heard OCBC titanium is quite good but how to have the utilities cashback because i do not own their saving acc, still can pay online?

you're saying paying to your OCBC cc bill using m2u right.

i was refering to paying utilities bill using OCBC cc? How to do it if i dont have saving acc with them?

Normally i pay my utilities using m2u and pay via maybankcard.

Thanks for the fast reply! Yea. I think I'll go for Maybank2Cards as it gives 5% cashback on any retail purchase, but only on weekends. I think I can live with that   
For OCBC and UOB CC, I'm pretty sure the stuff I'm buying (action figures) doesn't fall into any categories designated