Bro, since you failed to follow the post#1 format, I shall assume you have not hit the AMEX 5% cash back cap and your expenses below RM1K in total.

Generally, for Petrol you can qualify for UOB One CArd and earn 5% cash back. But is you are already pumping petrol on Weekends wth your MBB 2 Card, really no point getting this card.

For shopping, say you spend RM1K per month, and you get a card that rewards you 1% cash back, that's RM10 per month or RM120 per year in cash back. Less the GST RM50, you will have earned RM70. But because you have the MBB 2 Visa or MasterCard, you would also have earned 0.5% or RM60 when you redeem for cash vouchers (or slightly less when you for Rcubed cash redemption at 1U). Therefore, the difference is only RM10 per year!!! And if you spend less than RM500, what's the point for having another card that don't give you discount at merchants you spend your money?

For installment plan, you already have one of the best card - Maybankard Visa or MasterCard.

This post has been edited by Gen-X: Sep 16 2012, 10:16 AM

Item 6 - if got you let me know please.

1st thing to do is go apply for Maybankard 2 Cards which can be easily done in an hour at 1U Maybankard Centre since you got MBB cards.

2nd thing is go apply for OCBC TMC.

3. Click here and see table I prepared for my MACH article comparing various cash back cards.

4. You need to go plan yourself on how to maximize the cash back for both the OCBC TMC and MBB 2 Cards. Example, expenses you have control on when to swipe (groceries), do it on Saturday and Sunday to get 5% cash back plus 5X TP with the MBB 2 AMEX. For utilties bills RM700, you can use your OCBC TMC, which means you only have RM300 to spend on 5% cash back items before reaching the cash back cap of RM50/month.

4. TGV and GSC may also accept AMEX which is good for weekends. If you do go to the movies every Friday and mostly at TGV on other days, look into Citibank Clear Card. Also click here to read my article The Best Credit Cards for Movies.

If you pump at Petronas only, I guess if you still have not hit the OCBC cash back cap, you can use it on weekdays. And once you hit the cash back cap use your MBB Petronas, best to use it on weekends to earn 8X TP. Having said this, some Petronas do accept AMEX, go check.

This post has been edited by Gen-X: Sep 17 2012, 12:26 AM

Did you earn any free gift(s) with your SCB plat?
What you redeem with your SCB Plat Points? Worth more than the cash back compared to OCBC TMC?

Answer the above and you will know yourself if the SCB card is worth keeping.

As for the Maybank Gold, go and apply for Maybankard 2 Cards Gold which is FREE For Life and once approved, go transfer all the Treats Points to the new Maybankard 2 Cards account and cancel your Maybankard Gold credit card.

Agree that OCBC is the best since expenses just below the RM1K mark for expenses that can relly earn 5% cash back everyday.

So electrostacko, if your income is close to RM36K/year, try apply the OCBC TMC. But don't be disappointed if your application is rejected as they kind od strict.

The good news is you qualify for Maybankard 2 Cards where you can earn 5X TP everyday and 5% cash back every Saturday and Sunday. So if you can pump at petrol station that accept AMEX (e.g. Shell and Esso) and do your groceries on Saturdays and Sundays, you will be earning more compared to the OCBC TMC.

This post has been edited by Gen-X: Sep 18 2012, 03:38 PM

For your case,

1st card to get is OCBC Titanium MasterCard where you can earn 5% cash back (capped at RM50/month) for your Maxis bill. Still got balance RM500 for Petrol, Dining and TNB. So one year can earn up to RM600 cash back. Spend RM10K in a year, and you get extra RM50 bonus to offset GST.

2nd Card to get Maybankard 2 Cards where the AMEX earns you 5X Treats Points everyday PLUS 5% cash back on Saturdays Sundays. So if you do your groceries on Saturday or Sunday, you can earn 5000 TP and RM50 cash back. So 1 year you can earn 60,000 TP (RM300 cash voucher) and RM600 in cash back.

Many merchants accept Maybankard Visa or MasterCard including the AMEX too for installment plans. Click here to my artilce on Maybank 5X Treats Points with Ezy Pay. And from there, you will see a link to the participating merchants list. One thing good is that MBB card do offer 6 months installment plans.

Above combination, you can earn up to RM1500 in returns a year

As for UOB, well, if you can qualify for their Platinum credit card, it does offer some golf privilege. For Maybankard 2 Platinum, it also offer golf privilege. Go to the bank website for Golf Clubs offering complimentary green fees and see if it benefits you.

As for TnG, check out this thread. Or just keep your CIMB card for convenience sake. I know last time we can sign up for autoreload with any credit card, not sure if that is still possible.

This post has been edited by Gen-X: Sep 18 2012, 10:54 PM

In accordance to Bank Negara Malaysia guidelines, if your annual income is more than RM36K, you can have as many credit cards from as many card issuer you wish and join me in collecting credit cards, hahaha.

I guess for your case OCBC Titanium MasterCard would be good as you get 5% cash back for petrol and utility bills. Or look into Maybankard 2 Cards.

However, let me point out to you that having a credit card will also entice you to spend more. And your statement about personal loan makes we worried. Good that you have balance your finance previously and you should try not to go into debt, once into the hole of debt, kinda hard to get out. If you cannot afford to pay the things now (save enough money in the last 3 years), what makes you think you can afford to pay back your loan later? If you really need a loan for your wedding, try to borrow from your relatives at 0%.

Having said that, don't know if I should point out to you about Balance Transfer.... Because you are spending money on your wedding expenses, I am going to let you know a way to get 0% interest loan. This is what you should do SUBJECTED that you can afford to pay off your loan in 6 months time, else do not read any further.

1. go apply for OCBC or Maybankard 2 Cards. Charge your expenses to the card mentioned here.
2. At the same time go apply for CIMB credit card which is now offering 0% Balance Transfer for 6 months plan.
3. Do a balance transfer from the cards mentioned in item 1 above to CIMB and enjoy 0% loan for 6 months.


Don't feel so sick lah, work hard and with time you should reach my level and qualify for Premier credit cards that can benefit your lifestyle to the max

Maybankard 2 Cards where AMEX should be accepted at most shell stations. check with your station to confirm before applying for it. The MBB 2 AMEX earns you 5% cash back on Saturday and Sunday only on top of 5X Treats Points (everyday). Also click here to read my article The Best Credit Cards for Petrol 2012

This post has been edited by Gen-X: Sep 19 2012, 03:53 PM

Can't go wrong with MBB 2 Card and OCBC TMC combination.

Got card for you for movies? How much in total in spend a year at GSC for movie tickets. Lets, say you spend RM300 at GSC, with 10% cash back offered by MACH by Hong Leong Bank, that's only RM30 savings, can't even pay for the GST. So just use your existing card.

However, if your MBB 2 is AMEX and Visa, good news for you, until 31 October you are entitle to Free Movie Ticket at GSC any class everyday when you book online with a Visa card. If your MBB 2 is a MasterCard, too bad.

Get the OCBC Titanium MasterCard for your fixed expenses stated above and you will earn [ (RM200+RM200+RM150+RM130) x 5% + (RM150 Insurance + RM300 Shopping) x 1% ] = RM34 + RM4.50 = RM38.50 per month or RM462 cash back per year.

You can also consider Maybankard 2 Cards if you can pump petrol, do your groceries on Saturdays and Sundays. Tell you what - if you have not been winning any contest from HSBC or not enough points to even offset the RM50 GST, cancel your HSBC and apply for this card haha.

And if you want FREE Money up to RM300, go apply for Standard Chartered Bank Business Platinum online.

This post has been edited by Gen-X: Sep 20 2012, 04:30 PM

many people have started to report in on the Visa-GST promo, please refer to MBB 2 Threat.


Bro, here's a comparison

OCBC Titanium MasterCard : (RM250+RM150) x 5% + RM50 x 1% = RM20.50/month. Yearly RM246 - RM50GST = RM196

Maybankard 2 Cards - assuming that the place you dine and watch movie do not accept AMEX but petrol yes and you pump only on weekends.

1. Treats Points:

Petrol RM250 x 5TP= 1250 TP/month. Dining and Movie with either Visa or MasterCard RM200 x 1TP = 200. Total TP = 1450/month or 17,400 TP.

To offset GST, you need 10,000 TP (call Customer Service for redemption). Therefore you still have balance 7,400 TP carried forward. MBB TP are evergreen, i.e. no expiry. Assuming that 10,000 TP can get you RM50 cash voucher, the 7,400 TP is like worth RM37

2. 5% Cash Back on Saturday and Sunday.

Petrol only = RM250 x 5% = RM12.50/month or RM150 per year.

Add 1 and 2 = RM150 + RM37 (Balance TP equivalent after deduct GST) = RM187 < OCBC RM196

However, if the place you dine and watch movie accept AMEX, that's addition 4X TP or 9600 TP/year PLUS RM120/year cash back.

Conclusion, you are right to go with MBB 2 Cards as you can earn much more compared to OCBC TMC.

The 5% Cash Back earn from weekends spending wil be credited into your account.

MasterCard do have many promotions during festive season at the malls, spend x amount and you can get free a gift.

If you are thinking of getting the OCBC TMC later, then I guess go with Visa for now.

You did not mention your spending pattern as stated in post#1; so. I will just assume petrol is your main expenses and OCBC TMC will do. The OCBC TMC is better than UOB One Card since it offers 5% cash back for Dining and Telco bills. Actually, OCBC TMC beats all categories of UOB One Card, that is if you don't hit the max cash back cap of RM50.

Click here to my article on Mach credit card where I have prepared a table to compare the cash back one can earn with different credit cards. Use the table as a guide and go do a calculation yourself based on your spending pattern to find out which card earns you most cash back.

This post has been edited by Gen-X: Sep 24 2012, 11:32 PM

haha, Bro, I asked you to refer to the table on my article lah, not recommending the unless for Petrol MACH card

yah, with your spending pattern, looks like you need more than OCBC TMC since it is reaching the maximum cap of RM50.

Petrol+Dining+Telco + groceries = RM830 x 5% =RM41.50
Movies + Shopping + Insurance = RM650 = RM6.50
TOTAL = RM48

So let Fruitie said, go get both MBB 2 AMEX and OCBC TMC. On weekends use AMEX and earn Treats Points too which can use to offset GST

Also recomend you read my article My Credit Cards offer Exclusive Discount for Agoda Online Hotel Room Reservations and this thread post #1168 onwards for hotel booking.

And check out my Credit Card Tutorial Page

This post has been edited by Gen-X: Sep 25 2012, 12:50 AM

haha, first thing first, go apply for OCBC TMC and see if you can get the card.

MBB only more if and only if you spend on Saturday and Sunday. Moreover, not all petrol stations accept AMEX.

RM800 + RM500 =RM1300.

Reason why Titan_Gunners mentioned you need Maybankard 2 Cards (the American express earns you 5X treats Points everyday PLUS 5% cash back on weekends and OCBC Titanium MasterCard is because both the MBB 2 AMEX and OCBC TMC has a monthly cap of RM1000 spending for the 5% cash back, i.e. Maximum cash back RM50/month/card.

And what Titan_Gunners mentioned about us getting 5% cash back is true at TESCO. If I am at Tesco on a weekend, I will use my Maybankard 2 Amex to buy one carton of Marlboro lights and earn 5x TP and 5% cash back

As for your loan, you can not use credit card to pay for it.

And does it matter to have FREE Life Time Annual Fee waiver, of course bro, instead of paying for the credit card annual fee, we can use the cash and buy more fags (and die earlier too), hahaha

And since you mentioned food, I just published my article Dining Promotions with My Credit Cards, click here to see what card may benefit you.

This post has been edited by Gen-X: Sep 25 2012, 02:50 PM

AMEX or get a prepaid internet virtual debit card (but there are extra fees involved when you make deposit) or use paypal.


Since you did not mention your income I shall assume it is less than RM30K per year and as such you are only eligible for Entry Level Credit Cards.

And since you do go to the movies once a week, and if you go on a Friday, the best credit card to get for movies is Citibank Clear Card. First year annual fee should be waived. However, all Citibank credit cards do not come with auto annual fee waiver mechanism and as such you have to try your luck to see if they will waive the annual fee next year and following years. Click here to read my article The Best Credit Cards for Movie Tickets.

You got a car but don't need a CC for Petrol?

Having said the above, you started off with "CC to do installment on my upcoming major car service," this is a very dangerous reason to want a credit card. Seriously, you should never consider installment plans and pay interest for things you cannot afford. You just started work and you want to be in debt?

I advise you to read my articles below:

Life - Pay Now with Credit Cards Earn Later OR Save Now For Retirement which is the Prelude to my series of articles for Credit Card newbies.

0% Interest Rate Installment Plans with Credit Cards - It IS A Trap. By the way, I don't think you can get installment plan for sevicing your car.

You most probably will save some money with Citibank Clear Card (especially if you go to TGV for normal tickets), but, be warned, a credit card will entice you to spend more and I seriously think based on your current financial situation where you cannot even afford to service your car, better not to have a credit card.

This post has been edited by Gen-X: Sep 26 2012, 09:09 AM

Bro, glad to know you have savings of RM10K in 3 months

Major service RM3K, what car you drive? Maybe you should change car

As for you reasoning of wanting to go with installment, here is something for you to think about:

Case 1

Cash in Hand (RM10K) less CC Outstanding Balance (debt/liability RM3K). Therefore Net Worth = RM7K today.

But because the interest rates in savings account and FD is less than effective interest rate (always determine this as most CC plans charge interest upfront or maybe a fee) imposed by credit cards, everyday you becoming poorer.

Click here to my article on The Best Savings Accounts in Malaysia

Click here to my Fixed Deposit Page to see highest FD Interest Rate.

So unless your credit card imposed effective interest rate of less than the interest rate from your savings, you are getting poorer by the day. In other words, go for 0% interest installment plan to make sure you getting positive interest.

Case 2

Cash in Hand = RM10K and pay of the car service RM3K (Debt/Liability = RM0). Therefore Net Worth = RM7K today (same as above). However this time, you are earning positive interest from your net worth and as such you are getting richer by the day.

Actually, in both cases above, you would have more than RM7K by the time you settle the credit card bill once your monthly income comes into play. Tip - read my Intro to CC 101 (after the Prelude mentioned above) on when to go for your car service and get up to 45 days 0% interest free "loan".


No MBB? What a waste.

Get OCBC Titanium MasterCard

For your RM240 petrol, RM200 groceries, RM350 Dining, RM50 Telco = RM840 x 5% = RM42
For your RM300 Insurance and others RM260[/b] = RM560 x 1% = RM5.60
RMTotal just below RM50 OCBC Monthly cash Back Cap.

But if add the RM2K for ticket one go, then will overshoot the RM50 cap

Should get another card for Petrol Maybe like UOB One Card where you can earn cash back of 5% but cap at RM20/month or RM200 petrol. Can also consider Citibank Cash Back Platinum which also offers 5% cash back for petrol.

And if you apply the Standard Chartered Bank Business Credit Card now, you can get 5% cash back for Petrol for limited time BUT more importantly you get FREE Cash from SCB (apply online to get more).

Like I said, what a waste you not willing to consider Maybankard 2 Cards.

And check out my article Dining Promotions with My Credit Cards to see any credit card can benefit you.

For overseas transactions go with Maybank credit cards as they currently have the lowest overseas conversion fee:

For MBB, you have two options:

1. If you pump at Petronas only then get the Maybank Petronas Visa Credit Card. 5X Treats Points at Petronas Station and on Weekends 8X TP for Petronas and Groceries.

2. If you pump at Petrol Stations that accept AMEX, e.g. Shell and Esso (Petron soon), then get Maybankard 2 Cards. The American Express credit card earns you 5X TP everyday PLUS 5% cash back fon Saturday and Sunday for any type of transaction. For overseas transactions, use the MBB 2 Visa or MasterCard as the conversion rate because the AMEX card is very high. And this MBB 2 Visa or MasterCard do earn you 1X TP if the even that the petrol station does not accept AMEX. Now, you may earn 5% with the AMEX on weekend for you overseas transactions with the AMEX but this is very tricky if you are doing online transactions and is not guaranteed.

For more info on overseas transactions click here to Credit Card Foreign Exchange Rate Thread

And if you do not mind having a card outside of CIMB, Maybank and Bank Islam, the OCBC Titanium MasterCard is a very good card to have as it earns you 5% cash back everyday for Petrol, Groceries, Dining, Utility Bills and Telco autodebit but the cash back is capped at RM50/month or RM1K spending. That's like maximum RM600 cash back a year.

For your Hotel Bills, if most of them accept AMEX (3 Star and above usually does), then get Maybankard 2 Cards where you can earn 5X Treats Points everyday with the MBB 2 AMEX. Better than your Maybank Ikhwan. However, if they don't accept AMEX, then no point getting the Maybankard 2 Cards.

As for your Petrol, Utilities, Telco and Grocery which adds up to RM850, the OCBC Titanium MasterCard is just perfect for you as it earns you 5% cash back for these type of expenses.

This post has been edited by Gen-X: Oct 1 2012, 04:38 PM

Try other cards? Go apply for all lah, hahaha.

You failed to mention your monthly expenses amount e.g. Insurance RM?/month If your insurance and other expenses is less than RM1K per month, no point to get another card, as your MBB 2 Visa or MasterCard will do (i.e. 1XTP roughly 0.5% returns).

Reason being, assuming another card earns you 1% cash back and you only spend RM1k/month with that card, you only earn RM10/month or RM120/year. Less GST you only earn RM70 versus your MBB 2 Visa or MC RM60/yr (**Edited RM12K/yr x 0.5%). So net you only earn extra RM10 for the entire year or less than RM1/month ... wasting time.

Having said that, since you want to try other cards, go and apply Standard Chartered Bank Business credit card where they are giving out FREE Money (apply online you get more)

This post has been edited by Gen-X: Oct 2 2012, 08:40 AM