Insurance agents do collect cash from their clients whom are too lazy to go pay their insurance premiums themselves. Actually this is very dangerous, i.e. giving cash to your insurance agent, what if he does not pay for you?

Since petrol is your main expenses, I guess you should look into the UOB One Card Visa and earn 5% cash back. With RM300 petrol a month, you can earn cash back of RM180 per year. And if you can go pump at BHP, you will get more

As for paypal, with RM200, assuming a credit card gives you 1% cash back, that's only RM2 every 2 months.

For your case, I guess the UOB One Card is good for now. Pleas refer my reply above to sweetmint. Besides the 5% cash back for petrol, you'll get 2% cash back for Telco bills with the UOB One Card and some cash back at GSC too.

FREE gift, sure lah good Got cash back RM150 somemore. And best of all, if not mistaken, for limited time you get 15% cash back for petrol. But please read the terms and conditions.

You may want to read my previous article on Standard Chartered Bank Business gold and Platinum Credit Card Review to get some ideas on the T&C. Please note this article was published months ago where the promotion was different then.

This post has been edited by Gen-X: Nov 28 2012, 11:53 AM

For installment plans, I guess go with Maybank credit cards as many merchant do offer 0% installment plans for MBB cards.

So I would recommend Maybankard 2 Cards where the AMEX card will earn you 5X Treats Points everyday PLUS EXTRA 5% cash back on weekends.

Since you failed to give your spending pattern, can't really recommend you a card. Generally:

For Petrol, go for UOB One Card Classic - Annual Income RM24K.

For movies - check out my article on Best Credit Cards for Movie Tickets.

RM60K for both KLIA and LCCT - Try Citibank PremierMiles Visa Signature - you get 2 free passes to LCCT with the Priority Pass Membership card.

Click here to read my article on FREE access to LCCT and KLIA.. You can consider AMEX Kris Flyer too OR American Express Platinum Credit Card.

OCBC is a fantastic card where AMEX is not accepted and like you said, it gives you 5% cash back for Dining and Petrol Everyday

Having said that, and I believe many will agree- get both OCBC Titanium MasterCard and Maybankard 2 Cards and with propoer planning, you will maximize the returns you can get from credit cards.

Restaurant discount - it's year end and many promos expiring soon. To get an idea - click here to read my article on discount with credit cards at restaurants. Check out Maybankard 2 Cards Thread on PayPal - do a serach and read first page.

Click here and read my article - Hong Leong Bnak Credit Cards, What Are They Good For?

But seriously, if you going to withdraw cash with credit card - make sure you got money to pay back because if you don't repay in full within the time frame you sign up for, the interest rate will be sky high and you'll be deeper in the shit hole in no time.

see my replies above and below. check out MBB 2 Cards.

ask her go read my blog

OCBC Titanium MasterCard and Maybankard 2 Cards.

since you do spend above RM1K per month, I suggest you get both the OCBC Titanium MasterCard and Maybankard 2 Cards. With proper planning you will get maximum cash back.

Click here to my article on MACH by HLB. I am not recommending you get the MACH but refer to the table I prepared comparing various credit cards and the cash back.

For Petrol, go for UOB One Card Classic - Annual Income RM24K.

This post has been edited by Gen-X: Dec 11 2012, 10:52 AM

Bro, she spending up to RM20K per month, I think she needs more than just OCBC Titanium MasterCard. But then again with annual income of RM36K, besides the OCBC and MBB 2 Cards, the only card I can think that may benefit her is the HLB Essential with 1% unlimited cash back.

For Astro (Just call them) and Telcos (walk in and register for autobilling for DiGi, Maxis and Celcom), they do accept AMEX so your MBB 2 AMEX with 5X TP when redeeming for cash vouchers should be better than HLB Essential 1% cash back.

For TNB, you can use your MBB 2 AMEX via Express Autopay but they limit it to RM3K per month only.

If your Syabas bill is not much, i.e. less than RM1K, OCBC Titanium MasterCard is good with 5% cash back.

Also click on below link to learn how you can pay bills using your AMEX card with M2U:

Maybankard 2 AMEX for Paying Bills Online with M2U and for TNB with Express Autopay. You can use your MBB 2 AMEX to pay for Telelkom and Unifi bills

What is the amount for the TNB Bill? Based on annual income of RM50K or less, I still think HLB Essential the only alternative. Having said that, go to MBB2 Thread, do a search on TNB, someone mentioned Shah Alam TNB accept AMEX.

IF you can get Alliance Bank Privilege Banking Status, their Premier debit card can earn you 2% cash back for up to RM9K/month.

Other alternative to earn extra pocket money, use HLB Essential and then go with 0% Balance Transfer Plans

Maybankard 2 Cards, go read up on it at MBB 2 Cards Thread.

If your petrol usage is more than RM150, worth to consider UOB One Card. If your income is close to RM30K, go try apply Maybankard 2 Cards where many merchants accept MBB CC for installment Plans.

And before you go sign up for installment plans, please click here and read my article titled 0% Installment Plan IS A Trap.

And since you are new to credit cards, I suggest you take my FREE Tutorial on Credit Cards and IF you do not have the cash in hand or savings, please don't use credit cards!!!

This post has been edited by Gen-X: Dec 17 2012, 09:04 AM

For groceries and petrol, I can only think of UOB One Card for your case. Other entry level credit cards would not earn you cash back as good as UOB One Card for your requirements.

For your case, go check out the prices of the electrical good you want and see which merchant gives you the best price and then ask what credit card they accept for 0% installment plan.

SCB, I guess you have not been reading SCB Thread. Click here to read my article Standard Chartered Banks Credit Card Points Redemption Is Simply Ridiculous.. The main reason why those who wanted to cancel SCB cards decided against it is because they accepted SCB's "bribe" (cash back - more than enough to cover GST waiver) in exchanging to keep the card

I guess for you case, your concern is how to maximize the return from the RM500-800 where AMEX not accepted. Well besides HLB Essential base on this spending amount, the only other card I can think of is Mach credit card by Hong Leong Bank where they give you 5% cash back for dining. But since you are currently an existing customer of HLB, you may not be entitled to the first year annual fee waiver.

I shall assume you only pump at Petronas so you can consider Maybank Petronas Visa where you earn 5X Treats Points everyday and 8X TP on Saturday and Sunday. But until 28th Feb, you can earn 5X TP too everyday for any type of transaction. Maybankard is accpeted at many places for installment plans.

Having said the above, you should consider Maybankard 2 Cards as now AMEX is supposed to be accepted at Petronas. The MBB 2 AMEX is excellent if you can wait and pump petrol on Saturday and Sunday because not only will you earn 5X TP but EXTRA 5% cash back

This post has been edited by Gen-X: Dec 19 2012, 08:42 PM

If you are paying income tax on the RM60K income, then your annual income should be RM60K/yr. And if you have yet to submit Borang BE with RM60K/yr income, go ask the bank what documents you need.

So the cards to get are:

1. Maybankard 2 Cards where the AMEX earns you 5X Treats Points everyday PLUS EXTRA 5% on Saturday and Sunday but this cash back is capped at RM50/month.

2. OCBC Titanium MasterCard where you earn 5% cash back for Petrol, Dining, Groceries, Telco bills and Utility bills BUT the cash back is capped at RM50/month. Say you charge RM1K petrol to the OCBC Titanium MasterCard, you will get RM50 cash back per month. But if you charge RM900 petrol and RM500 dining to the OCBC TMC, you still only get RM50/month.

3. The UOB One Card may be good for you since you do pump a lot of petrol, however there is a cap on Petrol too. But with this card, it will free the OCBC TMC from petrol and you can use it for dining and earn 5% cash back and other places where AMEX is not accepted and earn 1% cash back.

So with the above cards and if you spend RM2K and above, you can earn up to RM100 per month (or even more) with proper planning plus 5X Treats Points with the Maybankard 2 Cards.

And since you are new to credit card, please be warned that you need to have discipline in using it or else you will end up with a big headache if you don't have the cash in hand to settle the Outstanding Balance monthly. Please do not think it may not happen to you because with your income and your spending pattern (even if you are being reimbursed for your expenses), it looks scary.

This post has been edited by Gen-X: Dec 20 2012, 01:06 AM

Bro, UOB first 2 years annual fee FREE, worry later. Worst come to worst, cancel the UOB

This post has been edited by Gen-X: Dec 20 2012, 01:12 AM

Better than Citibank Cash Back Platinum? Well, click here to my article on MACH by HLB where I have a table comparing OCBC Titanium MasterCard versus Maybankard 2 Cards American Express versus UOB One Card versus Citibank Cash Back Platinum.

And for your spending which is just below RM1K/month, the OCBC Titanium MasterCard is just perfect as it gives you 5% cash back for Petrol, Phone Bills and Dining. For shopiing it gives you 1% cash back versus your Citibank Cash Back 0.3%.

Bros and Sis, I am closing this thread on 1st January 2013.

Most of the questions lately are too general and can be posted at General Thread or not following template required.

Moreover, most of the questions are repetitive and one can find the answer by reading the last few pages. As such, I will pass the ball to those of you who wish to recommend a credit card(s) to others by starting a new thread (you can start one immediately and I will close this thread).

This post has been edited by Gen-X: Dec 25 2012, 02:30 PM

Basically UOB One Card and Citibank Cash Back Platinum almost the same as both earns you 5% cash back for petrol and for general transactions 0.3%. And both these cards have a monthly cap on petrol too. But the Citibank CB only credit the cash back earned once you reach RM50 whereas UOB credit the cash back monthly into the account.

As for OCBC TMC,it beats both the cards mentioned above because you earn 5% cash back for Petrol, Dining, Utility Bills and Groceries.

Click here to my article on MACH by HLB where I have prepared a table comparing various cash back cards, i.e. Maybankard 2 Cards vs OCBC Titanium MasterCard vs MACH by HLB vs UOB One Card vs Citibank Cash Back Platinum. Please note I am not recommending to your the HLB but asking you to refer to the comparison table.

So for your case and annual income, just go get Maybankard 2 Cards and OCBC Titanium MasterCard as recommended by yours truly in Post#1.

and yes, Citibank Cash Back Platinum does not earn you any reward points. There is an advantage in having a Citibank credit card in 2012 where we get FREE movie ticket at TGV but I got no idea if this promo will be extended. Click here to read my article The Best Credit Cards for Movie Tickets 2012.

This post has been edited by Gen-X: Dec 26 2012, 07:14 PM

Since your monthly expenses just above RM1K, and if you like to keep Citibank CB, get either OCBC Titanium MasterCard or Maybankard 2 Cards.

However, if you have not been benefiting from Citibank CB from their promos, then cancel it and get both OCBC TMC nd MBB 2 Cards. Click on above the MACH link I gave above and check out the comparison table and see which card earns your more based on your spending pattern.

Bro, for both Petronas and installment plan with Islamic credit card, I suggest you check out Maybank Petronas Visa credit card.