IF you talking about Maybankard 2 American Express, where the cash back is capped at RM50/month, this means that the cash back is applicable up to RM1000 on weekends i.e. MAXIMUM RM1000 and after than you would get noting from cash back on weekends but you still get rewarded with 5X Treats Points.

if an agent can recommend you Free LCCT Lounge Access with a card with annual income requirement of RM24K, please let me know.

Since you have DA and EON already, get Maybankard 2 Amex and OCBC Titanium. combining both you can get up to RM100/month cash back.

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Added on April 16, 2011, 4:32 pmFirstly, MBB minimum income requirement for thier cards start at RM30,000. So for now I guess it will be tought for you to qualify for one since you only have started work and no existing credit cards.

Try apply for following cards:

1) Ambank Carz CC where you get 2% cash rebate at all petrol station but capped at RM20/month.
2) UOB OneCard where you get 2% Smart$ Cash at BHP
3) Public Bank Esso Click here to PBB website.
4) Citibank Clear Card but you get nothing for petrol or Citi Air Asia if you fly with Air Asia.
5) SCB Gold Card but you get nothing for petrol. Check out their website, you get cash if your application approve.

Also look into Alliance Bank Classic card where they do give cash back based on tiers. Click here to view Alliance CC cash back tiers for Classic, Gold and Plat.

Else get PBB Esso Debit Card.

Recommend that you read my very first post at my blog on credit card titled Introduction to Credit Cards - CC101

Also read this Malaysia Credit Card Anuual Income Requirement. There is a table there where you can refer to based on your income and then go to the bank website for further info.

This post has been edited by Gen-X: Apr 16 2011, 06:24 PM

With income RM40K, you can qualify for Maybankard 2 Cards and OCBC Titanium. Try apply this two.

Unfortunately there is no card from CIMB giving you anything for Shell petrol but the Gold card does give you rebate for Groceries on Sundays only for limited time.

If you really want CIMB, then apply for it. Click here to read more about Free Annual Fee cards which include CIMB cards in my article titled Best Credit Card - Is There Really One?

My recommendation for you is Maybankard 2 Gold Cards where you get cash back and points for both Petrol, groceries and everything else.

Click here to MBB 2 Thread.
Click here to Petrol Thread.

When you free, read the following articles posted in my blog, may be useful since you are new to CC.

Click here to read my article Introduction to CC.
Malaysia Credit Card Annual Income Requirement.

This post has been edited by Gen-X: Apr 18 2011, 06:18 PM

For Education, OCBC Great Eastern Card do offer cash rebate but the minimum income requirement to qualify is RM36,000 pa. Click here to OCBC site to read more on the card.

As for petrol, please go to petrol thread by clicking here and read posts above e.g. post#222 and #157

Best if your salary near RM30K, go apply for Maybankard 2 Gold Cards where the Amex card gives you 5% for petrol except that it is generally not excepted at Petronas.

you are welcome. As alexwsk mentioned you don't need a MBB account and you also mentioned I said so in my blog. For your information, you can apply CC with any bank as long as you meet their annual income, age and credit check requirement.

AS for GST, Maybank not absorbing for new application unless you got a special invitation from them, go read Maybankard 2 cards thread. But HSBC and Citibank are for 1st year. SCB better still, they giving you cash more than the GST to new applicants.

This post has been edited by Gen-X: Apr 20 2011, 05:21 PM

It doesn't matter if you are paid by cash or by cheque or direct bank in. What is important is that you must be able to prove you income > RM2K/month i.e. pay slips or EA form. If you got housing loan or car loan, try that bank. If not try talk to HLB see if you can pledge FD but their cards don't give you anything for petrol.

For petrol, just read previous post #222 and prior to that.

Read the thread below, how did you missed it, it is PINNED!

Click here to read PINNED Thread - Ways To Pay Your Credit Card Bills.

Your case is same as many other where income less than RM30K and want PETROL + CASH REBATE only but then add Air Miles. Just read previous post for my recommendation.

To ALL:
You got to decide, you want Air Miles OR you want Cash Rebate. For Air Miles you have to go with cards that give you reward points, i.e. No CAsh Rebate. And the other thing, people who spend alot benefit from Air Miles, For spending about RM1K a month, you can forget about Air Miles.

This post has been edited by Gen-X: Apr 22 2011, 06:25 PM

Maybankard 2 Cards (click here to read my article on it) and OCBC Titanium (at my blog, go to the right column and click on OCBC), best for you.

This post has been edited by Gen-X: Apr 23 2011, 06:27 PM

try Maybankard 2 Cards first as OCBC TMB annual income RM36K. You can get a TnGo card and link/auto debit to any Visa or MasterCard account.

true, but like I said try and if can get best loh. And in moyang's case, he mentioned he got CIMB card more than a year in CIMB thread (but here he did not mentioned??), so maybe MBB can consider his CCRIS records for his application. And we know MBB wants 500K new Maybankard 2 card holders

click here to read my article Maybank targets 500,000 new Customers with Maybankard 2 Cards

This post has been edited by Gen-X: Apr 24 2011, 09:18 PM

Instead of applying for Direct Access, apply for CIMB cards. Same promotions and you wouldn't be in a situation trying to explain to merchant's staff that DA is CIMB. And apply for the Maybankard 2 Cards.

Click here to read my article on Maybankard 2 Cards.

Click here to read about CIMB credit card promotions and see if it benefit you.

Well, there is no such thing as freedom from credit cards but benefits yes. Apply Maybankard 2 Cards where you get 5X points and 5% cash back on weekends. The Maybankard 2 Visa or Amex can be useful if you purchase stuff online as the conversion rate is the lowest amongst other credit cards.

Since you are new, click here and read 1st post.

Also click here on ways to pay your credit cards.

And click here to read my very first post at my blog on credit cards - CC 101.

If you want a CIMB card, click here to check out CIMB promotions and see if they benefit you. Please note CIMB cards you get nothing for Petrol except for their Petronas card.

Goto Maybankard 2 Cards Thread and read first post. There is an email address you can email application form.
http://forum.lowyat.net/topic/1791925

1. Interest will not be charged. What beyond96 meant wasmerchant surcharge or fees.
2. Payment must be made by Due Date which is usually about 20 days from Statement Date. If you don't received your statement, you are stil responsible to make payment before the Due Date.


Click here to read my article Introduction to CC101this post

Click here to read my article titled Malaysia CC Annual Income Requirement and Credit Limit. Read the two cases that may lead you to debt .

After reading, you still bayar sikit sikit, then you asking for problems. If no money to pay your transactions, don't use your card and you won't have any major headaches.

All the 3 banks you mentioned do offer free annual fees with certain number of swipes. So that will satisfy item 2.

Based on RM1K, I would say that UOB OneCard good for Petrol if and only if you pump at BHP where you get 2%. And you also get 2% cash back at Carrefour, Giant and Tesco. And there's also cash back at several merchants like Sushi King wher you get 10%. Click here to see merchants that offer SMART$ cash for UOB OneCard

Since you can only qualify for Alliance Classic Card where the cash back is less than RM10 for up to RM1,000 spending, I would say forget it as UOB OnceCArd would definitely give you more in return.

Now, if you pump at ESSO and most of your expenses is for fuel, then can consider PB Esso. To note that ESSO Smiles also gives you 1.5% cash back, Go read Petrol Thread for further info.

For food, I guess it won't be much difference if the card rewards you with cash back or points. Whatever points or cash back you'll get for RM1K/month spending may just be enough for you to cover next year GST. My recommendation, get a CC which is most convenient for you to make payment. Build up your credit history record and next year when your salary goes to RM30K, go apply Maybankard 2 Cards or other cards that gives you 5% cash back.

Maybankard 2 Cards if the hotels you stay in accept AMEX. Maybankard 2 American Express gives you 5X points for any transaction anywhere in the world 24/7.

For Petrol, please go to Petrol Thread, if you pump at Petronas then the Maybankard 2 AMEX is as good as useless. BUT if you pump at ESSO, then it gives you 5X Treats Points plus 5% cash back on weekends.

To learn about reward points and cash back, Click here to read more about Maybankard 2 cards at my blog.. This article also have a comparison between Maybankard 2 Cards versus OCBC Titanium MasterCard.

If you do pump petrol a lot and eat out at places that accept AMEX, also consider OCBC Titanium MasterCard where you get 5% cash rebate for ALL petrol stations, groceries, dining and utilities bills. If you got DiGi, go sign up autodebit and get RM5 monthly rebate from DiGi. Go to OCBC Titanium MasterCard Thread to see places you get 5% cash rebate. BUT to note, the cash back is capped at RM50 per month and you get nothing more.

For purchase of "big" item, well, if the merchant accept AMEX then good as you get 5X Treats Points that equals to about 2.5% returns when redeem for vouchers and depends where you shop. If the merchant don't accept AMEX, the Maybankard 2 cards also comes with compulsory Visa or MasterCard but you only get 1X Treats Point and MBB cards do have many merchants offering 0% installment plans.

RHB generic CC not much offer and you get nothing for Petrol. But if you really want a RHB card, then look into RHB Travel as you do get some cash rebate for Petrol. Public Bank do have some good offers once a while, and if you pump at ESSO, the get the ESSO card.

Also click on the links below to read more on credit cards -

The Best Credit Card In Malaysia - Is There Really One? - click here.

Malaysia Credit Card Annual Income Requirement and Credit Limit - click here.