1. Annual Income:46000

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, tolls and spending

4. Existing credit cards if any: CIMB Petronas Card

5. Looking at CC from: anything

6. Others: none

yalah , annual is per year. Well, since you earn >RM100K, and if your salary is deposited into Maybank, then according to Maybank website, you should be able to get a credit card from them but you still need a letter rfom your employer. Check out MBB website for more info.

I guess you pump at Petronas. Get OCBC card where you can get 5% discount for Petrol, TNB, Telco and ASTRO and dining everyday but capped at RM50 per month. Also check out Maybankard 2 Card especially the AMEX card to see if it benefit you i.e. the places you patronizes accept AMEX. Go check out Places that accept AMEX thread.

Click here to read more on OCBC Titanium MasterCArd.

Click here to read more about Maybankard 2 Cards.



Dear anne1995, your nickname is like girl but your actual name is hanim. Anyway, since you are new here, please be advised agents are to only post at Notice Board for services rendered. Click here to Notice Board. Your comments are welcome but you are not to advertise your product.

This post has been edited by Gen-X: Aug 8 2011, 04:40 PM

Yes im new~
Sorry!!

Well I am not doing any job just doing business

1. Annual Income: RM20k - 30k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Petrol, Cash Back/Rebate Only, Hotel, Online purchase

4. Existing credit cards if any: None

5. Preferred Bank or Considering CC from banks: None

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


Thanks for the help!

i think uob one card (min 24k)
or
mbb 2 card (min 30k)

would be a choice u can pick from depend on your spending trend and place

Hi Guys, need help in getting a CC. No idea which one are suitable for me. Btw, how long is the period to get one?. Details are as follows:-



1. Annual Income: RM50K to RM60K per annum.

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol(Sometimes), Overseas Transactions (when outstation), and hotels only.Rarely for personal expenses.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any bank in Malaysia. Prefer 2 different bank.

6. Others: I only need the CC when going outstation(Overseas and Local). Paying for my hotels, flight ticket and others. Will pay when i get the claim from my company. Not for personal use. If have cash rebate also is good. Only want a visa card, not mastercard.


Help me guys. I know nothing about CC....

This post has been edited by hellremix: Aug 9 2011, 11:14 AM

1. Annual Income: RM60K-RM80K

2. Free Lifetime Annual Fee: Nice but not essential

3. Card required for: Online purchases from overseas ie. iTunes, Amazon, Flickr Pro, etc

4. Existing credit cards if any: MBB2 Plat, OCBC Titanium, MBB Petronas Visa

5. Preferred Bank: No preference.

6. Others: I am looking for a basic card with a minimal CL (2-3k?) purely for online purchases as mentioned as I do not want to use existing cards with higher CL in case of unforeseen complications (ie. vendor gets hacked, CC details compromised).

7. Estimated Spending per month with the card: RM200-RM500 max.

Thank you for any assistance !

Hi

1. Annual Income: RM 85k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, home groceries, shopping, Hotel

4. Existing credit cards if any: Nil.

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

6. Others: I only cleared all debts under CTOS and have all documents to proof all debts cleared, hence would like to apply for CC

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

Thanks hope you can assist me...

For you case since the card is more for convenience, get one that is easiest for you to make payment. And since you want two different banks, I suggest you get Maybankard 2 Cards where the AMEX gives you 5% cash back on weekends for any type of transactions. You only need to pay a single RM50 GST for AMEX and Visa (remember to stress in your application that you want Visa and not MasterCard).

Since you're not familiar with credit cards, I suggest you read my articles in my blog, click link below:
Guide To My Blog on Credit Cards..

Get a Debit Card from Public Bank and maintain like RM500 max in account at any one time. Maximum damage RM500 if card is cloned.

Maybankard 2 Cards since you do spend more than RM1K per month the 5X TP would benefit you.

This post has been edited by Gen-X: Aug 9 2011, 02:05 PM

Thanks Gen-X. Will check out PBB debit.

Alternate method: I suppose I could also apply for a supp card (from any of my existing CC) and set a RM500 limit? Is this a "safe" solution in event of cloning?

True, we can always assign a credit limit to a supp card, but somecard enven let you go beyond your credit limit and then imposes some kind of charges. You can also get another Free For Life Principal Credit Card and request that the CL be RM2-RM3K.

This post has been edited by Gen-X: Aug 9 2011, 03:16 PM

Wow, thanks for the fast reply bro. Just a while ago i went to the Maybank branch and applied for the Maybankard 2 Cards as per suggested. But the bankers said to me that they doesnt produce any more visa type for this CC. So i just go on with the Mastercards. Btw, could you guys tell me the diffrent between visa and mastercard?. Is it the coverage?


Regards

basically no differences, and master has more promotion most of the time

Good point.

I think I shall go with my MBB cherry debit set on low(est) cash limit, just read about MSOS safety net elsewhere. Save on GST and other fees.

Thanks again Gen-X for your sifu feedback.

Thank you for setting up this thread..


1. Annual Income: RM30K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate Only + Balance transfer from my Maybank Visa Petronas Gold

4. Existing credit cards if any: Maybank Visa Petronas Gold

5. Looking at CC from: Citibank Clear Card / Ready Credit

6. Others: Or any others good credit card to apply for balance transfer program?

Cash back and 0% BalanceTransfer = MBB 2 Cards Did you know that you can actually transfer your MBB petronas BT to another MBB CC account BUT it is not 0% interest and the duration is 24 months and above. Click here to MBB site to read more about MBB BT plans for transfer within MBB cards.

Click here to read my article on Balance Transfer.

Currently, CIMB, MBB and PBB offering 0% BT. If you ask me, the best Balance Transfer program is from CIMB where a separate account is created for the BT. However, only CIMB Visa Infinite is a true cash back card.

As for Citi Clear Card, well it is not a cash back card and the ready credit is not really just for BT but you're applying for credit facility and if not mistaken the rate is 0.25%/month which equates to 3% p.a. but the effective interest rate is higher since the interest is calculated monthly. Seriously, you should not go with Citi Bank Credit Ready if you do not know how to control your spending because you may be tempted to withdraw cash with this facility from ATM and the rate is 1.5% per month or 18% p.a. and since interest is calculated on daily basis, the effective interest rate is more than 18%.

Citibank Clear Card also offer BT right?

I like the card benefits and privilegeds..

Thanks Gen-X for the reply

1. Annual Income: Around 40k++

2. Free Lifetime Annual Fee: A Must + GST Waiver

3. Card required for: Petrol (90%) + Online Payment + Food + Others

4. Existing credit cards if any: CIMB Direct Access (Supplementary)

5. Preferred Bank or Considering CC from banks: Any

6. Others: Cash back is better

7. Estimated Spending per month with the card: Less than 1k, Around RM300 ~ 500 per month (Mostly Petrol)