Hi everyone, I have been following up on this forum for quite some times, just to see any recommendation from the master here on my existing card...

1. Annual Income: RM 150K above

2. Free Lifetime Annual Fee: not a must

3. Card required for: Petrol, insurance premium, F&B , grocery

4. Existing credit cards if any: ESSO-PBB gold master/ ING-PBB gold master, Ambank Platinum master, HLB platinum master, CIMB Visa infinite

5. Preferred Bank or Considering CC from banks: no special preference

6. Others: --

7. Estimated Spending per month with the card: Petro i use esso/mobil so using PBB card, my family insurance preimium mosly ING so use PBB card. Petrol average about RM 1k per month, Insurance premium about RM 30k per year. For F&B , grocery about RM 1 to 2 K per month.

Any recommendation on my existing card, do I need to get MBB 2 or OCBC Titanium or UOB one card as i think these cards are hot favourite nom , appreciates for reply

PBB ING 2% cash back for your case

Generally you got to determine yourself if currently you are earning more with your AmBank card which gives you 20% cash back on weekends for groceries until next March 2012; and does your current cards benefit you in terms of discount at F&B outlets that you frequent.

For OCBC case, you'll get 5% for groceries and F&B, therefore by spending RM1K you would have hit the cash back cap. So you need another card. I guess coupled with your AMBank card, good combination, max cash back per month RM130.

As for Maybankard 2 Card you got to decide if the F&B outlet you go to accept AMEX and that you only eat out on weekends?

I've tried applying for personal loan and was told one of the main reasons of it getting rejected is because I don't have any credit history and it's difficult for them to approve.
So best way suggested to me was to get a credit card with banks first.


1. Annual Income: RM48k.

2. Free Lifetime Annual Fee: If possible then best, as main reason getting CC is for the future loan application.

3. Card required for: Just to have a few credit history going, but will mainly be used for petrol and shopping.

4. Existing credit cards if any: Supplementary cards from parents.

5. Preferred Bank or Considering CC from banks: Not really sure what's the difference, but prefer the lowest interests/annual fees.

6. Others: I am mostly located overseas, hence spending will be overseas.

7. Estimated Spending per month with the card: RM1k for petrol overseas.

And I was actually off the company for 2 months (April and May), only back to work on June and have payslip for Feb, Mar, and June, will that still be considered as "recent" 3 months payslip?

I wonder if cards that are entitled to cash back locally for pumping petrol are also entitled to cash back overseas.

Most banks offer cards with free annual fees nowadays. Check your bank website or click below link to read my articles below:

The best credit cards in Malaysia. Is There Really One?


As for interest, if you pay in full every month prior to the Due Date, no interest will be imposed.

Click here to read my article titled Credit Cards are Cash Cow for Banks. Are You Working For The Banks?ash , In this article I gave an example of interest imposed on Oustanding Balance. If you are new to credit cards, please read it.

This post has been edited by Gen-X: Jul 4 2011, 08:16 AM

hi, need some recommendation
1. Annual Income: RM48 to RM60K

2. Free Lifetime Annual Fee: yes.

3. Card required for: petrol, grocery, 0% interest installment plan for furniture and electronic stuff

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: need advice

6. Others: my friend is a malaysian who works in Singapore, she doesn't have a credit card before and would like to apply one for petrol in malaysia and furniture installment plan.

thanks!

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

This post has been edited by ahteok: Jul 4 2011, 12:12 PM

Petrol and Grocery get OCBC Titanium Cash Back 5% everyday.
For installment plan, go check the furniture shop what card they accept but I would think MBB cards do have many merchants accepting it for installment.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, AirMiles, Online transaction

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: None.

6. Others: Looking for my first card.

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

1. Annual Income: RM 54K according to Ambank calculation

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Paypal, Groceries , Food

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: None.

6. Others: Just Reached 21

7. Estimated Spending per month with the card: 2-20K

Its actually for my Brother. We are in a family business and the only real solid proof that most bank will accept is the bank statement as payslip is insufficient as we can forge it easily with our power.

Ambank calculated his yearly salary at 54k based on 50% of the monthly turnover. The problem i see with ambank is that there is not much promotion going on. Will we have any troubles applying from other banks?

Please read previous post, many like you. For Petrol, get UOB One Card, OCBC Titanium MasterCard or Maybankard 2 Cards.

You earning more than RM100K and don't pay income tax? Boy, how long have I been subsidising you

Just go talk to any banks like how you approach AmBank, I am sure they can work something out. Maybe initially the credit limit will not be high, but with time, they will increase it once it is proven that you can pay. Best you see the banks where you have your business account, they will have your info and your transactions in their system. If your brother a signatory for the cheque, better still.

As for AmBank, click link below to read my article on thier promotion.
http://creditcardsmalaysia.blogspot.com/20...otion-2011.html

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Education, Cash Back/Rebate, Overseas Transactions.

4. Existing credit cards if any: OCBC TMC, was thinking to apply maybank 2 amex+master

5. Preferred Bank or Considering CC from banks: N/A

6. Others: Please be specific. Example: No specific reason, just want to get a card that can maximize rewards/cash back.

7. Estimated Spending per month with the card: RM1K to RM5K

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: Must

3. Card required for: online purchase , petrol , movie tickets , restaurant shopping,cash back/rebate

4. Existing credit cards if any: None

5. Looking at CC from: Any.(citibank is prefered)

6. Others: None

7. Estimated Spending per month with the card: below RM2K

Many Thanks =)

This post has been edited by Smurfs: Jul 5 2011, 03:48 PM

Education, OCBC got GE card that gives cash back for education but with T&C. Yah get the Maybankard 2 Cards and your monthly cash back cap will increase to RM100 Or you can also look into UOB One Card for petrol. CIMB got pormo until end of year where you can covert Education and Hospital Bills to 10 months 0% interest installment.


For cash back, you can look into UOB Once Card where it will give you 5% cash back for petrol and 2% for groceries. Goto UOB Thread or click below link to read about it where I did a table comparing cash back cards. Annual fee waive if swipe once a month.

http://creditcardsmalaysia.blogspot.com/20...-cash-back.html

Well, Citibank, until end of the year, you can get free 1 for 1 free movie ticket at TGV (max 2 for 2) on weekends However, you mentioned that annual fee waiver IS A MUST, for Citibank cards, there are no auto waiver but you got to call them to request.
http://creditcardsmalaysia.blogspot.com/20...ource=BP_recent

Bro , His personal bank statement is only 30K yearly. Ambank calculated at 54K because as a half-owner, He is entitled to 50% of the monthly turnover and they decided its the salary. Ambank is our primary bank hence no other bank have our details in it . Would other bank such as CIMB and Standard chartered accept the ambank bank statement and his income tax receipt

I think he should not have any problems getting a credit card if he got income tax receipt showing he earns more than RM24K.year.

Sure a bro? Because when i try to apply my housing loan also they require payslip la,epf statement la, bank statement etc etc . Never heard before can apply with just income tax slip

with a RM30k income annually,which 1 is better cash back card ? maybank 2 AMEX or UOB?

Bro, which is better only you can decide. I guess you did not read my article on UOB One Card where I gave an example and prepared a table on cash back based on various transactions. What you should do is go determine yourself. But if you pump at Petronas, then go for UOB Once Card.

Click below link to read my article on UOB One Card and workd out the cash back you can get based on where you spend your money. Also note UOB Once CArd earns you 5% Cash Back at GSC.

http://creditcardsmalaysia.blogspot.com/20...-cash-back.html

income tax can be proved already

1. Annual Income: RM36k
2. Free Lifetime Annual Fee: A Must

3. Card required for: Don't Know.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Anything

6. Others: Prefer MasterCard

OCBC Titanium Mastercard, ngam ngam 36k requirement.