You're welcome.

To All: Please don't feel offended if I do not acknowledge your "Thank You" because if I do, I'll be spamming a lot

The only Cash Back Card that gives you auto annual fee waiver and also GST waiver is OCBC Titanium MasterCard. You just need to swipe 12 times to get annual fee waived BUT for the GST waiver, you got to spend RM10K per year in order to qualify for the waiver.

Let us take your senario and compare the cash back cards. Say you spend like RM400 a month (RM4800 a year) on petrol only and nothing else.

OCBC Titanium MasterCard and UOB One Card: Cash Back 5% x RM4800 = RM240. Less RM50 GST, Net return RM190/year.

Maybankard 2 Card American Express (you must pump petrol on Sat & Sun only):
i. CAsh Back from weekends transaction at non-petronas stations: 5% x RM4800 = RM240.
ii. Treat Points: 4800 x 5TP = 24,000 Treats Points where you can use 10,000 TP to offset GST and balance 14,000TP can redeem for minimum RM50 voucher.
Therefore net return with RM4,800 with MBB 2 Amex = RM290/year.

So as you can see above, Maybankard 2 American express is better than UOB One Card and OCBC Titanium MasterCard if and only if you pump petrol on weekends and the petrol station you go to accept AMEX.

Click here to read my article on UOB One Card where I have prepared a table comparing it to Maybankard 2 Amex, OCBC Titanium MasterCard and Citibank Cash Back. From this article, there should be a link to my articles on MBB 2 and OCBC TMC or you will notice a Popular Post column in the right side, click on Maybankard 2 Cards and OCBC Titanium MasterCard article to learn more.

This post has been edited by Gen-X: Aug 10 2011, 04:09 PM

1. Annual Income: RM40k +

2. Free Lifetime Annual Fee: Preferably but if not surely can ask hor

3. Card required for: Petrol, Dining, Utilities, Movies, others not so major

4. Existing credit cards if any: Citi plat, Citi CB plat, SChart Biz Plat

5. Preferred Bank or Considering CC from banks: UOB 1 card / OCBC Tita

6. Estimated Spending per month with the card: Around 1K but sometimes more

You got Citi Plat and Citi CB and SCB Biz Plat (Cash Back).

For petrol, I guess for your case UOB One CArd and OCBC TMC no diff since you already getting 5% cash back.

For Groceries, your Citi CB also gives you 2% and your Citi Plat 5X points at many Departmental and Hypermarkets.

Once again, click here to my article on UOB One Card.I have done a sample calculation on how much one can earn from various cash back cards including Citi CB. Go do one yourself and determine if OCBC TMC and UOB One Card can earn you more than Citi CB and Citi Plat.

Having said above, I would go with OCBC TMC or Maybankard 2 Cards since your spending is less than RM1K in general and cancel the 3 cards you have and get back RM150 from GST, hahaha. But Citi recently got many places giving discount and SCB do reward pretty good gift to their card holders ( not sure if that is applicable to Biz Card). You apply SCB Plat just to get the cash offer

1. Annual Income: SGD 48k

2. Free Lifetime Annual Fee: Able to ask for waive

3. Card required for: Oversea spending and some big amount purchase in Msia only

4. Existing credit cards if any: MBB2Plat , UOB preferred Plat, Citi CBP

5. Preferred Bank or Considering CC from banks: Standchart or OCBC ?

6. Estimated Spending per month with the card: business use. dependable on invoicing

higher limit at UOB card 15K new upgrade from one Plat, able to take Citi PM card? Traveling 3 times per year

This post has been edited by yuunasue: Aug 10 2011, 08:22 PM

1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: Better have

3. Card required for: Cash rebate, petrol, n anything extra is a benefit

4. Existing credit cards if any: nil

5. Preferred Bank or Considering CC from banks: Doest really matter

6. Others: Please be specific. Example: Im a foreigner n been working officially since may 2011, before that I was working as a part timer in on university, anyway, I can bring along the proof of my salary for past 4 months...

7. Estimated Spending per month with the card: upto 3K

8. Additional: to all /k/ kindhearted ppl, Would u please pm me the detail of the card as well, Thanks in advance

what happened to your Petronas Plat? Why don't you call Citi and ask about PremierMiles.

Go talk to the bank your salary is deposited.

thanks man.. u read me right. the SCB is for the 228 cash back only now going to cancel it and the Citi CB card.

i applied for a OCBC TCB based on your review

1. Annual Income: 130K

2. Free Lifetime Annual Fee: Preferably YES

3. Card required for: A card easily accepted world-wide

4. Existing credit cards if any: CIMB VS, CIMB Platinum

5. Preferred Bank or Considering CC from banks: Preferably foreign bank

6. Others: Please be specific. Credit limit should be 15K to 30K.

7. Estimated Spending per month with the card: 1K to 3K

Any good credit card (preferably MasterCard) to recommend?
Thanks

For you, click here to read my article Malaysia Top Ten Credit Cards.

Nothing happened to the Petronas Plat, i didn't hold that card... Abt the PremierMiles card, asking how many % to getting approval with kinda CL...

I remembered your case very well because you posted sometime back MBB sent you the Petronas card via FedEx and you mentioned in another post you had the Petronas and you were complaining something like MBB2 Amex Plat no class since the Plat word not on the card that time

From V15, General Thread, post #188
As for the PremierMiles, like I said call Citi CS since you got their Plat CB. If not mistaken, sometime ago someone mentioned CL RM6K can get Citi Plat already. Oh, what happened to your RM50K CL from HSBC?

From V13 CC Thread

CL 6k can get Plat card?? Foolish ??? My lower plat card also got 50k la, from SCB but cxl pass year when new rules come out..

This post has been edited by yuunasue: Aug 11 2011, 10:02 PM

1. Annual Income: RM30k -RM36k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Installments & Most importantly Cash Out

4. Existing credit cards if any: Maybank 2 Cards

5. Preferred Bank or Considering CC from banks: None

6. Estimated Spending per month with the card: Around 1k-2k

edited.... ...

This post has been edited by curaptz: Aug 13 2011, 08:46 AM

may be u can try for uob 1 card also with cash back feature

You overspending. Salary RM36K, spending up to RM24K p.a. Credit Cards are not for you because with the high interest charges, the balance money you have in hand that is not spent will just go towards paying interest with the cash advance you will do. I am serious.

what happened to your standard advise not to spend beyond your means

but AMEX is less common in malaysia right?
compared with MASTER card and VISA?

Hi Gen-X,
Sorry. curi post reply.
anyway, salary deposited meaning ?
show them my bank statement that it had entered in instead of pay slip?
reason im asking is, cause im planning to apply the Maybank2kad Plat. unfortunately, for me to reach5k per month(which is inclusive of petrol), it would only come in the bank statement & not d pay slip.

hah not feeling well on that day but still came inside the forum
so abit blur blur, dosent think much

What are you trying to say? You got a CC with annual income less than RM24 p.a. income.

According to BNM guideline, the banks are not suppose to issue CC to anyone earning less than RM24K. Having said that, previosly one can pledge FD with banks like PBB and HLB to get a credit card with credit limit equivalent to the FD pledge. And also one is supposed to be issued a Credit Card when one opens a privilege banking account.

To answer your question, yes, my wife and me did get a credit card each few months back from Citi when we open a Citi Gold Account even though we declared our income was nil at that time.

The best way to justify your income is what you declared in your BE Form. But where cases where one does not have salary slip or relevant documents, some banks will consider the monthly amount credited into savings account as proof of income in the case of housing loans. I guess best is talk to Maybank, try asking 1U branch since they are suppose to process your card within an hour.