1. Annual Income: RM36K to RM42K

2. Free Lifetime Annual Fee: A must

3. Card required for: Petrol/Oversea Transaction/Shopping/Online booking

4. Existing credit cards if any: Citibank gold card (supplementary card from my father)

5. Preferred Bank or Considering CC from banks: Maybank (because my company transfer my salary to here), CIMB & citibank (heard that the promotion is quite good)

6. Others: Convenient enough

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

Thank you

Maybankard 2 Gold

OR

UOB UOB One Card

OR

Any City Bank Credit Card (Suggestion)

Need help here .

please follow template at first post in order for us to get an idea on your expenses.



This post has been edited by hye: Jul 16 2011, 08:26 AM

heya.. thanks for the earlier info .. got my MBB 2 Platinum! been drinking starbux more frequently lolz.
got my cards through telephone, didnt even ask for documentation. maybe it has to do with my salary linked to them. got them within 2 weeks of the call:)

1. Annual Income: RM36K to RM40K

2. Free Lifetime Annual Fee: A Must

3. Card required for: petrol, hotel bookings, AirMiles, shopping

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: CIMB Islamic PETRONAS, Maybank Islamic PETRONAS, Bank Islam (basically I'm interested in Islamic ones.. and PETRONAS ones)

6. Others: I have a savings account with CIMB (both Islamic & Conventional). I mainly need a credit card because I travel frequently and often need a credit card for my hotel bookings & whatnots. I fly at least once in 3 or 6 months and more frequent than that if there is any emergency as my hometown is in East Malaysia. I just started work for <6 months.

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


Thank you for your recommendation.

This post has been edited by redblaque: Jul 16 2011, 07:21 PM

Well you have answered yourself what card to get For overseas transaction, MBB Petronas card will give you lower transaction rate compared to CIMB. As for Airmiles and petrol. you can check out RHB Travel Money Credit Card but it is not an Islamic Credit Card.

Hi,

1. Annual Income: RM30K to RM39K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Online transaction(booking hotel) / petrol in the future/cash back

4. Existing credit cards if any: Nil because its 1st time.

5. Preferred Bank or Considering CC from banks: Any bank.

6. Others: Use to pay online bill, book hotel.

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

online transaction and hotel bookings for overseas or local?

If local and for future petrol usage and cash back, you can consider UOB One Card, OCBC Titaium MAsterCard and Maybankard 2 Cards. Go with OCBC TMC first choice as you get 5% cash back for Petrol, Groceries, dining and Phone bills.

If overseas transactions very frequent, then I guess get Maybankard 2 Cards where the Visa or MC will give you the lowest conversion rate. The MBB 2 AMEX will earn you 5% cash back on weekends.

please recommend me a card based on my needs below please.

1. Annual Income: RM66K

2. Free Lifetime Annual Fee: not a must

3. Card required for: normally spend on Petrol, grocery, dining, travel.

4. Existing credit cards if any: already has my Amex platinum credit card, so recommend me a Visa/Master card.

5. Preferred Bank or Considering CC from banks: recommend me pls.

6. Others: i will pay outstanding balance in full every month, so interest rate is not my concern at all.

7. Estimated Spending per month with the card: around 1k.


thank you

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must / waive for minimum transaction apply

3. Card required for: Online booking/transaction, Shopping, Petrol, Movie (GSC,TGV?), Reload TnG, Rebates and Reward points

4. Existing credit cards if any: Nil because its 1st time after graduate.

5. Preferred Bank or Considering CC from banks: Any that is good

6. Others: Dunno..

7. Estimated Spending per month with the card: 1K - 5K


Thank you..

This post has been edited by t3arsCulprit: Jul 18 2011, 05:35 PM

For less than RM1K spending per month you can consider OCBC Titanium MasterCard where you get 5% cash rebate for Groceries, Petrol, Dining and Phone Bill. But the cash back is capped at RM50/month. Therefore, you may not earn anything when go traveling but got the convenience of having a MasterCard.

Or get the Maybankard 2 Cards where the AMEX card you'll get unlimited 5X Treats Points for all transactions,and on weekends you get extra 5% cash back for all transactions but also capped at RM50/month. It comes with either MAsterCard or Visa which is good for overseas as Maybank's conversion rate is the lowest.

Click here to read more about Maybankard 2 Cards. In this article, I have done a comparison versus OCBC TMC.


For your case UOB One Card. Click here to read my article, REvamp UOB One Card - It'a A Pure Cash Back Card July 2011. You get cash back and no reward points, but I think the cash back better than points comparing to other banks' classic card.

This post has been edited by Gen-X: Jul 18 2011, 10:42 PM

1. Annual Income: RM36k - RM40k
2. Free Lifetime Annual Fee: A Must / waive for minimum transaction apply
3. Card required for: cash back / reward point
4. Existing credit cards if any: OCBC TMC, Applying Maybank 2 cards
5. Preferred Bank or Considering CC from banks: Citibank due to that particular merchant only giving citibank for installment and discount.
6. Others: N/A
7. Estimated Spending per month with the card: 500 to 1K

i think you are already very clear on what you want. Just go to apply Citibank card.

haha, like chem said, from post above it has been decided it got to be CitiBank and you already got OCBC..

However Citibank Cards do no have auto annual fee waiver. You got to ask for it. So get the Clear Card where the annual is the lowest (I think) and you movie free tickets at TGV. Go to Citi site and check it out.

This post has been edited by Gen-X: Jul 18 2011, 10:41 PM

Yeah, but I don't know which citibank card to apply... Wish to apply platinum cashback, but i'm not eligible...

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must .

3. Card required for: petrol, bills, cinema, dining

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: mbb 2 cards, uob one card, ocbc titanium

6. Others:

7. Estimated Spending per month with the card: 1k to 1.5k

For income RM30K, go apply UOB One Card. Go check out UOB Thread. You can also get MBB 2 Cards Amex and MasterCard where you do get 5% cash back on weekends.

well for uob 1 card cash rebate and smart cash can earn anywhere or just with the outlet with smart cash logo on it??

Generally, for ALL petrol stations. For groceries and SMART$ cash it is at selected merchants.

Please goto UOB Thread and UOB websitefor more info.

UOB one card, 2% cash back, groceries