Beside bank rakyat which offered free insurance..is it any bank offered the same thing?

Hi, thanks for replying, it seems like MB2 Cards is good as well..
But I am confuse, the GST is imposed to AMEX and VISA/MasterCard as well so means RM50 each total RM100? lolx
The AMEX 5% weekend cash rebate is attracting.. and TP x5..
Hmm, Petronas is not accepting AMEX rite?

This post has been edited by t3arsCulprit: Jul 20 2011, 10:12 AM

Only 1 GST for 2 cards.Some petronas accept AMEX if u pay at counter.

icic.. So the credit card slot at the pump station there would not accept the AMEX?

none so far for petronas

1. Annual Income: -

2. Free Lifetime Annual Fee: A Must

3. Card required for:
Cash Back/Rebate, Good Overseas Transactions benefit

4. Existing credit cards if any: hsbc

5. Preferred Bank or Considering CC from banks: Any

6. Others: Please be specific: Good Overseas Transactions benefit

7. Estimated Spending per month with the card: RM2k above

Any good credit card recommendation?

Good overseas benefit - I can't really help you. You got to go check HSBC and AMEX site to see their offers worldwide. Click here to HSBC Global site where they list down offers for different countries.

Maybank Visa and MasterCard gives you the lowest conversion rate overseas. HSBC conversion rate is higher than MBB's rate. Having said that, HSBC Visa Signature does earn you 5X point for hotels and dining for overseas transaction but limited to RM1500/month. EON Bank Visa Signature does earn you 2X points plus 1% cash back for overseas transaction but with T&C and their conversion rate is also higher than MBB. Alliance Bank Plat also earns you 2X evergreen points plus cash back for overseas - go with their MasterCard instead of Visa, can't explain why but the MC conversion rate lower. MBB Visa and MC Plat (not MBB 2 cards) earns you 2X points overseas.

Saw many promos for Citibank in SG recently.

This post has been edited by Gen-X: Jul 22 2011, 08:28 AM

1. Annual Income: RM26.4k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate Only, Online shopping, 0% installment plans with selected merchants (harvey norman, HSL etc), Discounts at food and shopping outlets

4. Existing credit cards if any: None

5. Preferred Bank or Considering CC from banks: Any

6. Others: To show banks that I've a commitment for easy loan approval in the future (e.g. house, car loans); preferably MBB. CIMB (have savings acc with these banks), others could be considered as 2nd options

7. Estimated Spending per month with the card: RM1K to RM3K

Thanks!

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol, Cash Back/Rebate , online purchasing , movies.
4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: One card UOB or Platinum One card ?? or makes no difference??what you guys reckon??/

6. Others: nil

7. Estimated Spending per month with the card: no idea , but if cash...can go up to 5 to 10k if targeted the products to purchase if not buying any stuff much maybe just 300bucks or less.

what you guys reckon????

UOB One Card. You earn RM26.4K and you spend RM3K a month? Better not get a credit card You can try Maybankard 2 Card. By the way, do you know if you scout around, you can get better deals than HSL installment plan and pay less effectively?

Based on the above, I guess you petrol not much, so you can go with UOB One Card. If you think you will be spending RM3K a year, then can get the UOB 1 Card Plat to meet the requirement for annual fee waiver, if not get the non Plat only need swipe 12 times. However, check out UOB Thread, there's something about online purchase security feature not being able to used for online transaction if not mistaken.

Hi,

I holding 3 cards, but think to change to other card. at the moment i have UOB PLAT/ SCB PLAT and AMBank PLAT.
Kindly please advice on which card should i keep and go for

1. Annual Income: RM 80K to RM100K
2. Free Lifetime Annual Fee: Not must
3. Card required for: petrol,
4. Existing credit cards if any: UOB PLAT, SCB PLAT and AMBank PLAT
5. Preferred Bank or Considering CC from banks: anybank with good offer
6 Others: Used one card to pay bills and insurance, two card for fuel and other purchases for biz
7. Estimated Spending per month with the card: Total 3 cards about 25k.

What type of card should i go for?

Your AMBank card can use for Petrol on 1st weekends of each month until next year. Click here to read my article on AMBank promo.

Or if your cars pump RM1000 a month of petrol, then get OCBC Titanium MasterCard where you get 5% cash back but capped at RM50 per month, that's why no point using more than RM1K for petrol.

UOB Plat, useless unless you pump at BHP and what you get is like nothing. SCB you get nothing at petrol stations.

Well, you if your insurance premiums are like RM5K per month, get Alliance Platinum where you can earn up to RM68.75 max cash rebate plus unlimited points.

The card I recommend that you get is Maybankard 2 Cards American Express for your transactions where there are no offers with your existing cards. Say you pump petrol RM2K (with AmBank or OCBC Titanium), insurance RM8K (with other cards like Alliance Bank), balance RM15K can be used at merchant that accept AMEX, you will get 75,000 points per month or 900,000 Treat Points in a year That's equivalent to RM4,500 in terms of vouchers and not including maximum cash back of RM600/year that you can earn on weekends. And if you pump at Shell or ESSo, they accept AMEX.
Click here to read my article on Maybankard 2 Cards.

If you are very free, click here to read my article titled CreditCard No.8 Fool where I did mentioned briefly the advantages of my different cards.

This post has been edited by Gen-X: Jul 22 2011, 04:55 PM

Hi Gen_X,

thx for the advice, will changed the uob card and apply alliance and maybank 2 cards.

WOOPS typo. I may go try it out @ mdivalley treats fair for the application. The HSL etc is just example of what I trying to say, not neccessary gonna buy there. But yeah, thanks for the recommendation!

1. Annual Income: 30k
2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Example Petrol, Shopping, Dining (mostly chinese restaurant), air ticket

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: No preferred bank

6. Others: just want a credit card for more convenient transactions

7. Estimated Spending per month with the card: Less than 3k

Please advice..tq! =)

This post has been edited by hitsugaya2010: Jul 22 2011, 04:47 PM

Maybankard 2 Cards where you can use your Visa or Master for places that does not accept AMEX.
or UOB One Card wher you get 5% cash back for petrol everyday day. I guess if you do spend RM3K , can consider both cards to earn max cash back. However, you spending RM3K is too much if you ask me considering your income. Just like my comments to ncbf, you better not get a credit card
Tai Thong accept AMEX but if you got Citibank and CIMB, you get discount.

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This post has been edited by rosemary: Jul 22 2011, 05:40 PM

1. Annual Income: 24~26.4k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol or cash back

4. Existing credit cards if any: Non

5. Preferred Bank or Considering CC from banks: Non in particular

6. Others: I'm not sure to go for petrol or getting the card for cash back/rebates, any advise?

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

Thankiu thankiu~

Get the UOB One Card where you will earn 5% cash back for petrol Go read more about it at UOB Thread.

thanks.. haha.. think so i wont use that much...=) thank for ur advice..