Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsRecommendation for Credit Cards V1, TQ to contributors ! (From MOD)
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 Jun 4 2013, 01:23 PM
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#61
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4,404 posts Joined: Jun 2012   
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QUOTE(David900924 @ Jun 4 2013, 09:33 AM) Thanks, but tat standard chartered worldmiles sound like for people fly every weekend, i only fly once every quarter. Currently most of my spending goes to petrol Then, You have Refer to: https://forum.lowyat.net/index.php?act=ST&f...973206&st=2200# pls, Check My Post #2209-10 for MY Others Recommendation...    This post has been edited by fly126: Jun 4 2013, 01:30 PM |
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Jun 4 2013, 03:46 PM
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#62
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4,404 posts Joined: Jun 2012
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QUOTE(Sub4Crew @ Jun 4 2013, 02:03 PM) for long term, rewards point or cash back credit card earn more? Pls refer to: https://forum.lowyat.net/topic/1973206/+2220 Post#2223 |
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Jun 7 2013, 04:04 PM
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#63
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4,404 posts Joined: Jun 2012
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QUOTE(SmokerBamboo @ Jun 7 2013, 02:57 PM) 1. Annual Income: RM 48k My BEST Recommendation:2. Free Lifetime Annual Fee: A Must 3. Card required for: Overseas Transactions (online shopping) 4. Existing credit cards if any: CIMB PETRONAS Platinum, Citibank Rewards Platinum 5. Looking at CC from: Maybank2Cards; Any with good cash back rebate 6. Others: Most of my CC expenditure were spent on online shopping. My current CC don't really provide a good cash back on my spendings. Need advice to choose a better CC before terminating my CIMB CC... 1) OCBC Titianum Card, Zero Annual Fee with min. 12x Swipes (usage) a Year This Card Earn Cash Rebate (Max up to $50 a Month): * 5% on Petrol, Dining, Billing & Groceries Spend * 1% on Retail Spending + the $50 GST was automatically Offset with at least $10,000 charged to the Card p.a for Details : http://forum.lowyat.net/topic/2703542 OR 2) Maybank 2Cards , the Best Card in Town So Far... It's FREE for Life with Timeless Treat Point with No Expire... *The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, & 1 statement. *You can Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance. *5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card and 1x TreatsPoint on Maybankard 2 Card in Malaysia or anywhere else in the world. * 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Cardmember) per month http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards OR 3) The Best Card for NEWbie- UOB One Platinum Card a Pure Cash Back Card You can Earn Cash Rebate ON: * 5% for Petrol (Limited to Total Purchase of $600 every Month Entitled for Cash Rebates, Cash Back capped at $30 per month) * 5% for Cinema at GSC only * 2% for Groceries (Limited to Total Purchase of $1500 Per Month Entitled for Cash Rebates it capped at $30 per month.) * 2% at Pharmacies * 2% for Telecommunication Bills (Limited to Total Bill of $300 Per Month Entitled for Cash Rebates) & 0.3% for all Other Purchase *Enchanted with SMART$ Cash Rebate Privileges This post has been edited by fly126: Jun 22 2013, 11:13 PM |
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Jun 7 2013, 09:19 PM
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#64
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4,404 posts Joined: Jun 2012
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QUOTE(fruitie @ Jun 7 2013, 08:15 PM) You must understand that the 5% rebate comes from AmEx and definitely it has lower acceptance rate compared to Visa or MasterCard. Normal Malaysia's merchants still prefer Visa and MC. Agreed, Good Point... The best combo is M2Card + OCBC Ti and I'm sure many would have agreed with me. Since your income fulfills for that, I will suggest you to couple it with M2Card. I'm using both now and still can't find any other better card that can compare with this combo.  |
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Jun 12 2013, 11:41 PM
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#65
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4,404 posts Joined: Jun 2012
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QUOTE(apitzhnu @ Jun 12 2013, 11:34 PM) Hi guys need ur advise, first time apply Credit Card FYI, HSBC Credit Card You Need Min. Income Requirement $36,000 a Year baru can Apply.. 1. Annual Income: 30K++ 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, Cash Back/Rebate, Points 4. Existing credit cards if any: Nope 5. Looking at CC from: HSBC 6. Others: As due to first time applying credit card, I'm not really sure what and which banks suitable for me. Plus I dunno what are charges are included on the credit cards?  |
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Jun 12 2013, 11:59 PM
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#66
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(apitzhnu @ Jun 12 2013, 11:50 PM) Eh sorry, wrongly calculation, my income is 42K. Tot one year got 10 months haha The Benefits of HSBC Card actually NOT so Good if Compare with Others CC's...  I got other CC's Recommendation Here, Pls refer to: https://forum.lowyat.net/topic/1973206/+2240 My Post #2257 This post has been edited by fly126: Jun 13 2013, 12:00 AM |
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Jun 16 2013, 12:28 AM
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#67
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(chyap99 @ Jun 14 2013, 11:40 PM) 1. Annual Income: Around 50k i) OCBC Titianum Card, Zero Annual Fee with min. 12x Swipes (usage) a Year 2. Free Lifetime Annual Fee: Yes 3. Card required for: Cash Back/ Petrol / Shopping 4. Existing credit cards if any: Maybank 2 card 5. Looking at CC from: Any bank 6. Others: looking for good cash back card can use during weekday for petrol / pay bill and shopping. This Card Earn Cash Rebate (Max up to $50 a Month): * 5% on Petrol, Dining, Billing & Groceries Spend * 1% on Retail Spending + the $50 GST was automatically Offset with at least $10,000 charged to the Card p.a for Details : http://forum.lowyat.net/topic/2703542 OR ii) UOB One Platinum Card Pls Refer to: https://forum.lowyat.net/topic/1922946 QUOTE(farhan0103 @ Jun 14 2013, 11:56 PM) 1. Annual Income: RM42k Pls refer to: https://forum.lowyat.net/topic/1973206/+2240 My Post #22572. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, Utility Bill, Medical Insurance, Shopping, Cash Back, AirMiles, Overseas Transactions(priority) 4. Existing credit cards if any: Nil 5. Looking at CC from: Any bank 6. Others: (i) Do i need to have that cc online account for any online transactions? (ii) I have personal loan to be paid monthly. Does this affect my cc application? 6) I....NO, You also can Use Your Saving Account (online) for Fund Transfer, Bill Payment, Credit Card Payment, etc...As long You have Access to (Sign-Up)Internet Banking II...YES, but as Long You Pay IT on Time there will be No Problem with that This post has been edited by fly126: Jun 16 2013, 12:29 AM |
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Jun 21 2013, 09:18 PM
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#68
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4,404 posts Joined: Jun 2012
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QUOTE(yshiuan @ Jun 21 2013, 05:23 PM) 1. Annual Income: 28K++ UOB One Card2. Free Lifetime Annual Fee: A Must or can be waived 3. Card required for: Petrol, Dining, Insurance, Groceries, Cash Back/Rebate 4. Existing credit cards if any: Nope 5. Looking at CC from: UOB, OCBC 6. Others: FYI, OCBC Titanium You Need Min. Income Requirement of RM 36,000 a Year baru can Apply...  Pls Refer to: https://forum.lowyat.net/topic/1973206/+2200 My Post #2210 for More Detail on UOB One Card & My Others Recommendation |
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Jun 22 2013, 11:20 PM
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#69
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4,404 posts Joined: Jun 2012
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QUOTE(yshiuan @ Jun 22 2013, 03:28 PM) any good if get maybank 2 card instead? Ya, MBB 2Cards & OCBC Titanium were the Best Combo, but Both of the cards Need Higher Income Requirement- MBB 2 Cards ($30,000 p.a)& OCBC Tit.($36,000 p.a) As for UOB One Card You Just Need Income of $24,000 a Year to Get It... QUOTE(speedo @ Jun 22 2013, 06:37 PM) Hi, need recommendation UOB One Platinum1. Annual Income: 40K++ 2. Free Lifetime Annual Fee: A Must 3. Card required for: Cash Back, Points 4. Existing credit cards if any: RHB Evo (since Feb 2013) 5. Looking at CC from: Anything except OCBC & MBB 6. Others: Twice apply for OCBC & MBB and rejected. Looking for cc that hv cashback for online bills payment especially. https://forum.lowyat.net/topic/1973206/+2240 My Post #2257 & Also, Check Up for Hong Leong Bank Wise Credit Card, the Only Card that give You the Choice to Enjoy 10% Cash Back... https://forum.lowyat.net/topic/2760395 This post has been edited by fly126: Jun 22 2013, 11:25 PM |
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Jun 26 2013, 11:27 PM
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#70
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(futra @ Jun 25 2013, 06:07 PM) Hi, I never had any CC before and would like to apply. Here are my details.. 1. Annual Income: 30 - 33k 2. Free Lifetime Annual Fee: A Must (if No, how much is the fee?) 3. Card required for: EMERGENCIES (hospitalization, and incase short of cash towards end of the month @ awaiting salary) + Petrol + Groceries + etc 4. Existing credit cards if any: CIMB Mastercard (RARELY use, it's actually previous salary account meant for installments, now primary is RHB acc) 5. Looking at CC from: After doing some reading/research from many posts, interested with UOB One Card. 6. Others: i. Will applying a CC affect my ongoing monthly installment? (CIMB acc for households and insurance, and MAYBANK hire-purchase acc for car; both payments always on time) ii. FYI: All my bills are settled online. I use the BonusLink/Mesra card everytime during refill petrol at Shell/Petronas. QUOTE(fish@5311 @ Jun 26 2013, 11:22 AM) 1. Annual Income: RM 33k 2. Free Lifetime Annual Fee: Preferable but not compulsory 3. Card required for: Petrol Cash Back/Rebate, Traveling 4. Existing credit cards if any: Supp Rewards Platinum by Citibank 5. Looking at CC from: Any bank that is legal 6. Others: I am looking for one card only, I don't wanna keep too many. I have looked at MBB 2 cards, they are good, but I wanna avoid having two cards as I don't like the hassle to maintain many, hence I would like to know my alternatives to MBB before deciding. This will be my first principle card... MY Recommendation:1st Maybank 2Cards 2nd UOB One Card Pls, Refer to: https://forum.lowyat.net/topic/1973206/+2200 My Post #2209-10 & Last One, Hong Leong Bank Wise Card https://forum.lowyat.net/topic/2760395 This post has been edited by fly126: Jun 26 2013, 11:33 PM |
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Jun 30 2013, 11:33 PM
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#71
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(<3berry @ Jun 30 2013, 03:23 PM) 1. Annual Income: RM24++k UOB One Card, a Pure Cash Back Card 2. Free Lifetime Annual Fee: A Must 3. Card required for: petrol, Cash back, Discounts, 4. Existing credit cards if any: NIL 5. Looking at CC from: Maybank and such. 6. Others: I want cash back only and no reward points. Pls Refer to, https://forum.lowyat.net/topic/1973206/+2200 Post #2210 & Also, Check Up for Hong Leong Bank Wise Credit Card, the Only Card that give You the Choice to Enjoy 10% Cash Back... https://forum.lowyat.net/topic/2760395 As for Maybank's Credit Card, You Need Higher Annual Income min $30,000 baru can Apply... This post has been edited by fly126: Jun 30 2013, 11:41 PM |
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Jul 1 2013, 12:19 PM
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#72
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(futra @ Jul 1 2013, 08:48 AM) Thank you for your recommendations, I've decided to go with the UOB One Card. I've applied online last night, and the RM50 cash back promo is still on (extended?) from today till September. Waiting for a call from them today, hopefully everything goes well for my 1st CC. Good Luck with Your Application...   |
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Jul 2 2013, 10:32 PM
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#73
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(dwh90 @ Jul 2 2013, 04:46 PM) 1. Annual Income: RM40k++k 2. Free Lifetime Annual Fee: Preferably 3. Card required for: Cash back, Discounts (Food and Retail) 4. Existing credit cards if any: NIL 5. Looking at CC from: Any 6. Others: I want cash back only and no reward points. Need not any for Petrol benefits too  1) Maybank 2Cards 2) OCBC Titanium Card Pls Refer to: https://forum.lowyat.net/topic/1973206/+2200 My Post #2209 & Also can Consider Hong Leong Bank Wise Card or UOB One Card https://forum.lowyat.net/topic/2760395 This post has been edited by fly126: Jul 2 2013, 10:34 PM |
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Jul 5 2013, 09:39 PM
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#74
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(viknes36 @ Jul 5 2013, 09:31 PM) Hi All, Ya, 10% Cashback only applicable to 2 selected categories + Mobile (by default) Between OCBC titanium(5%) and Hong Leong Bank Wise Credit Card(10%), both also cash rebate till RM50 while another is R100. And of course both no points for each transaction. Only disadvantage of Hong Leong Bank Wise Credit Card is that i'm able to select only two categories + mobile right? |
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Jul 7 2013, 01:17 AM
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#75
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(alvincks @ Jul 7 2013, 12:50 AM) Guru, Maybank 2Cards or OCBC Titanium or UOB One Platinum....Thanks ahead for recommendation, I'm putting some detail on spending, appreciated if can you suggest the best card i should hold and which should remove? 1. Annual Income: RM100++ 2. Free Lifetime Annual Fee: A Must 3. Card required for: petrol, Cash back, Discounts, Sub card for my wife 4. Existing credit cards if any: HSBC - going to cut, OCBC platinum & StandChart platinum - thinking of cancel, but got higher rebate on petrol, should I? 5. Looking at CC from: Maybank and HL. 6. Others : Petrol spend-RM400 per month, Grocery spend-RM1500, Insurance auto-debit - RM1500 Pls Refer to: https://forum.lowyat.net/topic/1973206/+2240# My Post #2257 & Also, Check Up for Hong Leong Bank Wise Credit Card, the Only Card that give You the Choice to Enjoy 10% Cash Back... https://forum.lowyat.net/topic/2760395 This post has been edited by fly126: Jul 7 2013, 01:29 AM |
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Jul 8 2013, 03:50 PM
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#76
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4,404 posts Joined: Jun 2012
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QUOTE(prescott2006 @ Jul 8 2013, 03:28 PM) Currently I have OCBC Titanium, Maybankard 2 and Standard Chartered. I'm thinking to get another Citibank Clear card for movie purpose. Is it the best card for movie? Also, is there any card that offer more than 1% cash back for expenses (exclude from petrol, groceries, utilities), eg, car workshop, online shopping etc. Benefits of Citibank Clear Card (with Everygreen Reward Point):*Friday Buy 1 Free 1 Movie Ticket (Normal class) at GSC, TGV and Cathay Cineplexes *1-for-1 drinks at Coffee Bean & Tea Leaf *Privileges at Zouk Club KL *CITIBANK CLEAR CARD 3X REWARDS All Year Long Shop/Outlet in Malaysia: 1. Zouk Club Kuala Lumpur 2. Zouk café & Bar 3. G2000 4. Zara 5. Charles & Keith 6. Borders Bookstore 7. Alexis Bistro & Wine Bar 8. Sakae Sushi 9. Pedro Please Refer to: http://www.citibank.com.my/clear/?eOfferCode=MYCCLNCLC more on Citibank Clear card QUOTE(ak101ss @ Jul 8 2013, 03:37 PM) 1. Annual Income: 41.5k Both of You, Can Refer to Post #2291 https://forum.lowyat.net/topic/1973206/+2280 for Your Credit Card Recomandation 2. Free Lifetime Annual Fee: No 3. Card required for: Petrol, Groceries, Pharmacy, Cash Back/Rebate, occasional online shopping 4. Existing credit cards if any: Nil. 5. Looking at CC from: Citi Platinum Visa Cash-Back vs OCBC Titanium MC Cash-Back vs HLB Wise CC 6. Others: recent college grad trying to save as much money as possible. monthly petrol rm200-rm300, groceries rm100-200, pharmacy rm50-100, dining/yamseng/others rm200-400; Overall monthly CC spending should range from 550-1000. Worst case max is rm1500. Thanks so much guys This post has been edited by fly126: Jul 8 2013, 03:52 PM |
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Jul 8 2013, 04:05 PM
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#77
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4,404 posts Joined: Jun 2012
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QUOTE(ak101ss @ Jul 8 2013, 03:59 PM) Thanks, btw do i qualify for maybank 2cards meh? site says 60k per annum income liao, gg le me.. They Still Have Maybank GOLD 2Cards just with min. Annual Income of $30,000 boleh Apply Liao.... EDIT: isn't the UOB card similiar to Citi's card? Pls, Refer to : https://forum.lowyat.net/topic/2819354 for More Details This post has been edited by fly126: Jul 8 2013, 04:06 PM |
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Jul 8 2013, 04:14 PM
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#78
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4,404 posts Joined: Jun 2012
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QUOTE(ak101ss @ Jul 8 2013, 03:59 PM) Thanks, btw do i qualify for maybank 2cards meh? site says 60k per annum income liao, gg le me.. You Mean Citi's Cash Back Platinum & UOB One Plat. Card... EDIT: isn't the UOB card similiar to Citi's card?  Ya, They Both Have Similar Cash Rebate Feature... But UOB One Platinum Better becoz, the Citibank CB only credit the cash back earned once you reach RM50 & If the cash rebate is LESS than RM50 for a particular month, the total cash rebate amount will be carried forward to the following month...  Whereas UOB credit the cash back monthly into the account.... |
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Jul 8 2013, 04:33 PM
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#79
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(-ZeN- @ Jul 8 2013, 04:08 PM) Hi, would like help in which credit card is much suitable for me. Pls Refer to My Post #2291... https://forum.lowyat.net/topic/1973206/+2280 1. Annual Income: 39600 ~ 51600 (Got extra some extra for now) 2. Free Lifetime Annual Fee: Doesn't matter, as long as below RM100 3. Card required for: Easy Payment Program on gadgets (0% interest), or Flexi Easy Payment, online shopping for games. If can add on for entertainment like movies, and singk. 4. Existing credit cards if any: Maybankard Manchester United Visa Card, CIMB Direct Access 5. Looking at CC from: HLB or RHB or PBB (Cause i got saving accounts on these banks.) However, is up to recommendation if is easier to apply. 6. Others : I don't use card for petrol, I seldom bother about points. Problem i face is my company HR is outsource to a payroll company, so can i apply but phone put to payroll company? But they pick up calls, they always say their company name 1st. Hope can get reply, thanks. & Between All of Them I think UOB One Card was Most EZ to Have Card many ppl here got This Card (Including ME)...  This post has been edited by fly126: Jul 8 2013, 04:47 PM |
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Jul 9 2013, 03:33 AM
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#80
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(cloudstrife07 @ Jul 9 2013, 02:20 AM) 1. Annual Income: RM36k I) RHB Travel Money Card- Annual Fee Waiver with 12x Swipes a Year, for NEW Cardholder can Enjoy 0% Interest Up to 6 Months on Your Purchase OR $50(GST) Rebate Back within 3 Months as for NEW Card... Pls Refer to: http://www.rhb.com.my/cards/credit-card/cc...money_main.html2. Free Lifetime Annual Fee: Preferably yes. i'm forgetful. 3. Card required for: repair cars, buy furnitures at ikea, groceries (not specific but major supermarkets), buy gadgets, buy computer parts. 4. Existing credit cards if any: none. 5. Looking at CC from: any, but prefer Standard Chartered or Citibank or RHB. 6. Others: Looking for cards that offer easy payment plan that doesn't tie up with merchants e.g. after i make purchase i can just simply call the bank to divide the payment in 6, 12 or 24 months. Also, if can, low interest. Oh, and NO to any AMEX-based card, it's a taboo for my family. II) Citibank Clear Card (with Evergreen Rewards Point System) *Friday Buy 1 Free 1 Movie Ticket (Normal class) at GSC, TGV and Cathay Cineplexes *1-for-1 drinks at Coffee Bean & Tea Leaf *Privileges at Zouk Club KL *CITIBANK CLEAR CARD 3X REWARDS All Year Long Shop/Outlet in Malaysia: 1. Zouk Club Kuala Lumpur 2. Zouk café & Bar 3. G2000 4. Zara 5. Charles & Keith 6. Borders Bookstore 7. Alexis Bistro & Wine Bar 8. Sakae Sushi 9. Pedro + Flexi Payment (Installment) Plan Up to 36 Months... http://www.citibank.com.my/english/existin...erCode=MYCCBUL3 Enjoy 8.88%*p.a Interest Rate with T&C's apply to... Please Refer to: http://www.citibank.com.my/clear/?eOfferCode=MYCCLNCLC more on Citibank Clear card III) As for Standard Chartered CC Nothing Special Benefits, Currently now as a New Signup You can have The 15% petrol cashback only last for 6 months...& their Card Reward Points with No Expire Others, OCBC Titanium or UOB One Platinum... Pls Refer to: https://forum.lowyat.net/topic/1973206/+2240# My Post #2257 & Also, Check Up for Hong Leong Bank Wise Credit Card, the Only Card that give You the Choice to Enjoy 10% Cash Back... https://forum.lowyat.net/topic/2760395 This post has been edited by fly126: Jul 9 2013, 03:59 AM |
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