1. Annual Income: RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access, installment plan

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Anybank

6. Others: nil

7. Estimated Spending per month with the card: RM1K to RM4K

earning 36k but spending to the max up to 4k?
better manage ur spending before apply for cc

, to be honest I had no idea at all on whether can be paid or not. Was thinking the same thing last night. Well, since I have sometime today, will be doing some reading during lunch time. I do like to do more research on a particular thing, but with a limited time and unlimited meetings to attend, I can hardly find anytime to do so.

I guess you did not read previous posts where it was replied many times you got to decide you want cash back or air-miles. Do a search on "air miles" to read some of the relevant post. And presently no cash back credit card allows free access to airport lounges.

For cash back and mainly petrol, you can choose between OCBC Titanium MasterCard, UOB One CArd and Maybanard 2 CArd.
Click here to read my article on UOB One CArd where U have prepared a table comparing cash back cards.

Having said above, do check out RHB Travel Money card where they do give cash back for petrol and your points are redeemable for airmiles. Click here to RHB site to read more on the card)

For LCCT access, please go to this thread on airport lounge or or click this link to read my article. Read it and you'll know that the Alliance Debit Card that gives 1.5% cash back do grant you free access to LCCT PPL but there's a monthly quota.

+1

This post has been edited by Gen-X: Aug 4 2011, 06:32 PM

What is the difference between VISA and Mastercard?

The Maybank 2 cards come with....
1. AMEX and Mastercard
or
2. AMEX and visa??

we can choose or they would pick 1 for us?

i think now they are only promoting amex and mastercard
not sure can choose to visa not

I don't think so.
My friend wanted Visa but was given Mastercard instead.

1. Annual Income: RM36K to RM48K
2. Free Lifetime Annual Fee: Optional
3. Card required for: Oversea hotel, petrol
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: Preferred Maybank but not a must.
6. Others: Mostly use for oversea, therefore need to have a card without headache oversea
7. Estimated Spending per month with the card: <400 for petrol. Oversea spending can be up to 2-4k but claimable.

Maybankard 2 Gold.
Since your spending is claimable, so the 2.5% conversion factor for using Amex overseas is not an issue anymore.
Use Maybankard 2 Amex if the merchant accepts Amex, otherwise use Maybankard 2 Visa/Mastercard.

1. Annual Income: RM30K-RM40K
2. Free Lifetime Annual Fee: A Must

3. Card required for: Overseas Transactions,hotels, air tickets

4. Existing credit cards if any: none

5. Preferred Bank or Considering CC from banks: maybank, citibank (i heard maybankard 2 gold is good )

6. Others: I just start working no more than a year. i think i need a credit card because i'm always on business trip to overseas. the amount use for my credit card is solely for travelling purpose. however, my spending is claimable from my company.

7. Estimated Spending per month with the card: RM1K to RM2k ( depends on place i visits. some place i need to pay for hotel first and claim later)

I have to agree with chemistry that Maybankard 2 Gold Cards.

However my reason for recommending because Maybankard Visa or MasterCard overseas conversion rate is the lowest. And for local use, you get 5X TP and cash back with the AMEX.
As for chem saying that "Since your spending is claimable, so the 2.5% conversion factor for using Amex overseas is not an issue anymore", this is ethically wrong as far as I am concerned. Knowing that the AMEX rate is higher and thus incurring more cost to the company, one should not use it and get the 5X TP for personal gain.

Since ppl with less than 36k only can apply 2 cards...
i wish to apply...
1stcard: Maybank 2 gold
2ndcard: still thinking

1. Annual Income: 31k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol,groceries and movies ticket
4. Existing credit cards if any: none
5. Preferred Bank or Considering CC from banks: Since 1 of my choice is already maybank, thus (citibank;coz can discount movie ticket at gsc, CIMB, UOB; OCBC titanium;cant coz annual not 36k;hukhuk)
6. Others: hopefully some1 can describe more on citibank and cimb, as i read UOB quite good)
7. Estimated Spending per month with the card: less than 1k..

This post has been edited by curaptz: Aug 7 2011, 06:03 PM

if you go to TGV, get Citi Clear Card. If you go to GSC, then get UOB One Card.

1. Annual Income: RM30K to RM36K.

2. Free Lifetime Annual Fee: Preferably.

3. Card required for: I'm a frequent traveler so my priority is to benefit the most in terms of AirMiles. Apart from that, the card is also for Petrol, Cash Back/Rebate and Overseas Transactions.

4. Existing credit cards if any: None.

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

6. Others: Preferably credit cards which can be managed via online banking.

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


Additional:

When talking about travel benefits, I know there are two types of card which may be relevant.

1. Airline flexible cards (which earns you reward points each time you spend that are convertible to AirMiles).

2. Airline specific card like AirAsia Citibank card (which earns you AirAsia points each time you spend). I don't know of any other Airline specific card that is relevant to Malaysians traveling from Malaysia though.

If it is possible, please advice on both Airline flexible cards and Airline specific cards (which one would be better for the above needs). Thanks.

i will still go with the same word again
manage ur spending first before apply for cc since ur max spen already way exceed the amount you earn

Hi Snigapoe,

I am well aware of that, I think I should point out to you the spending 'range' that TS stated in his first post (Less than RM1K or RM1K to RM5K or RM10K and above). The range was stated in such a way 'RM1k to RM5k' so to avoid hassle, I was just simply quoting it, got it? I won't be spending RM5k per month obviously, I may be new to credit card but I still know how to manage

well i was just giving some friendly reminder only

1. Annual Income: 10k~30k

2. Free Lifetime Annual Fee: Must

3. Card required for: Just want Iphone Easy Payment Instalment and some Overseas Transactions

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Maybank

6. Others: Please be specific. Example: I am a foreigner and I only want to pay amount due with my M2U online savings account

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

Why so many people want airmiles when they have no idea on how it works?

Anyway, most CC allows you to redeem for MA Enrich points. However next year MA going with some other system, can't remember what's is called.

As for flexible Airline, checkout Citibank PremierMiles - Min Income RM60K p.a.

Also, those who benefit from AirMiles are those who fly frequently like your case BUT the other criteria is you got to be a big spender too. For your case, it is better that you opt for cash back cards and get up RM600 annually (or even more) with just RM12K spending per year.

Here's what hye quoted back in April 2011, which I am going to post in the first post today.

You go to your MBB branch and see what they can do for you. Maybankard credit cards Minimum Income RM30K per year, and you mentioned RM10K p.a. ??? Typo??

This post has been edited by Gen-X: Aug 8 2011, 01:42 PM

Annual is per year right ?

if like that have RM100k+