Hi, pls help recommend me a CC. already work for >2 year.

1. Annual Income: 30k

2. Free Lifetime Annual Fee: A miust

3. Card required for: Petrol, shopping

4. Existing credit cards if any: UOB Vox

5. Looking at CC from: any

6. Others: nil

7. Estimated Spending per month with the card: RM1K




thanks in advance

Maybankard 2 Cards - click here to MBB 2 thread.
UOB One Card - Click here to UOB Thread. Check out the Revamp One Card where you can get 5% cash back at ALL Petrol Station.

any chances if i try hsbc or cimb?

you mentioned Petrol, HSBC and CIMB cards don't give you anyting for Petrol (except CIMB Petronas).

Try OCBC Tit card, 5% cash back on PRUG (world wide stores) with no min spend.
They even offer 33% cash back on interest p.a .

17.5% - 33% = 11.725%
Consumers are advised to make full payment despite bank offering cashback on retail interest.

1. Annual Income: rm40000 per year

2. Free Lifetime Annual Fee: A Must

3. Card required for:petrol/ shopping in jusco, gian, tesco and fast food/online paying maxis bill

4. Existing credit cards if any: Nil.

5. Looking at CC from: cimb, maybank,

6. Others: easy for payment as i hv a cimb click. but i m considering titanum ocbc due to the cash rebate.
preferably dun want annual fees.
thknsss

This post has been edited by kmrkmr: Jun 22 2011, 07:10 PM

OCBC is good for Petrol, Giant, TESCO and dining.
Maybankard 2 Amex is good for Giant, TESCO, JUSCO and anywhere elase on weekends. MBB 2 Visa/MC is good for online as conversion rate lowest.

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Cash Back.

4. Existing credit cards if any: MBB Petronas Gold.

5. Preferred Bank or Considering CC from banks: Good offer.

6. Estimated Spending per month with the card: Less than RM1K

Go for OCBC titanium

whats the eligibility for applying hsbc platinum card?

Any link can refer?

OCBC TITANIUM

Thanks bro.

HSBC no longer offer Platinum CC as it's been replaced by Visa Signature.

But you still can apply HSBC Amanah MPower Visa Platinum.

Require Salary Min RM48,000 per annum.

Did the OCBC Titanium CC offer 0% interest (6mths or 12mths) for the CC purchase installment plan?

Yes, but limited to certain merchants only. If I recall correctly, most of them are luxurious items like Rolex, Coach etc.

Wat if i swipe the full amount & request of installment plan from bank? How much interest they will charge or might get 0%?

As chem mentioned, OCBC Titanium is good for you since you spend less than RM1K and your requirement is Petrol and Cash Back Only.

I would like to add, if you are currently pumping petrol at Petronas, then OCBC is great to replace your current card since you'll be getting 5% cash back versus 5XTP. After you get the OCBC TMC or if you willing to swith to another petrol brand (tha'is if your application for OCBC is rejected) you should consider replacing your MBB Petronas Visa with Maybankard 2 Card which is also Free For Life and after you get the cards (if you apply) transfer all your Treats Points to the Maybankard 2 Card Account.

Click here to read my article on OCBC Titanium MasterCard. For further info on OCBC TMC, please visit OCBC Thread where there are many members there willing to answer your questions. Also please visit Maybankard 2 Cards Thread for more info.


The HSBC Platinum have been replace by Visa Signature and minimum income RM100K p.a. Click here to read my artilce titled HSBC Visa Signature - Gone Is The Platinum.
Please go to HSBC Thread or Click here to read my article titled Malaysia Credit Card Annual Income Requirement and Credit Limit.

This post has been edited by Gen-X: Jun 23 2011, 05:27 PM

Sifu Gen-X, please optimise my cards!

1. Annual Income: >RM200k
2. Free Lifetime Annual Fee: A Must.
3. Card required for: Petrol, Cash Back, auto-billing (Astro, Digi for wife and I, Tenaga, prudential takaful premiums, sometimes company travelling overseas)
4. Existing credit cards if any: HSBC Amanah Platinum, Maybank Islamic Petronas Ikhwan .
5. Preferred Bank or Considering CC from banks: I have no loyalty to banks, but need Islamic CC. Also need supplementary card(s) for wifey.
6. Estimated Spending per month with the card: Usually about 2-3k. If travelling, sometimes can go up to 10k. Never carry-over any balance.