@gen-x thanks for the informative reply. Will check out the Citibank Clear Card that looks like it suits my needs.

Hi,

I'm newbie in this forum and credit card application.


1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: , Cash Back/Rebate Only, Overseas Transactions, Dining and Online Transactions. Some time for some entertaiment such as sing K and movie.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Any bank that suitable for me. Most important is convenience to make payment.

6. Others: I just want to know what is the best card for a new card holder.

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


Thanks for anybody that help me

for your income uob 1 card should be the choice for you
you can refer to genx blog for reference

there is no such as the best cc, just depend on which benefit you the most

Thanks for your suggestion. I know there will be no best credit card. I just do not want to select the wrong card issuer to use with. I will try to apply for it. Is it the best to apply two bank at the same time?

it is up to your choice
just pick on the one that benefit you the most
you can considered between mbb2 card and uob one card
if weekend spend more mbb is beneficial if the merchant you are visiting accepting amex (5% +5X TP)
for uob card selected merchant will reward you with smart cash

1. Annual Income:RM36K to RM48K

2. Free Lifetime Annual Fee: A Must .

3. Card required for: Petrol, Cash Back/Rebate OnlyFree LCCT Lounge Access , Fine Dining, Shopping, Utilities, adhoc spending.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: OCBC Titanium, UOB ONE PLATINUM, MAYBANK 2 CARDS (Alreaedy sent my applications)

6. Others: I travelled more than 100km a day. 2-3 days one full tank.

7. Estimated Spending per month with the card: Less than 1k if didn't go fine dining or shopping.

1. Annual Income: ~80k

2. Free Lifetime Annual Fee: optional

3. Card required for:Balance transfer and travelling

4. Existing credit cards if any: 2, combined CL rm20k

5. Preferred Bank or Considering CC from banks: Any bank that suitable for me. Most important is convenience to make payment.

6. Others: Nil

7. Estimated Spending per month with the card: about 2k

hi there,

please advise on my first credit card choice.

1. Annual Income: RM 50k

2. Free Lifetime Annual Fee: Must.

3. Card required for: usage on daily item, dining, shopping, else spending (1 card for all) .

4. Existing credit cards if any: UOB VOX

5. Preferred Bank or Considering CC from banks: please suggest

6. Others: Please be specific. Example: i want one CC that give easier approval.

7. Estimated Spending per month with the card: RM3k

pm me if anyone intrested to do for me

Well, the cards you are considering are good enough for you.
Fine dining and shopping use Maybakard 2 Cards.
Petrol, Utilities get OCBC Titaium MasterCard where you'll get 5% cash back.

As for LCCT, there's no cash back card offering free access to airport lounge. Click here to read what cards offer free access to LCCT Plaza Premium airport lounge. You'll note that there are two Debit cards that grant you free access to LCCT and also earns you cash back.

If you want cash back and access to KLIA Plaza Premium Lounge then the card to get is Alliance Platinum Credit Card. Goto to airport access thread for more info.

what cards you having now? Need to know then can recommend you alternative but for 0% BT, get either CIMB or Maybankard 2 cards.


Maybankard 2 Cards you'' get 5X TP which is way better than your UOB VOX and also cash back up to RM50/month. Easy approval, well if you have the necessary documents to proof your income and your credit history is good, any card also easy to get.

1. Annual Income: RM 80k
2. Free Lifetime Annual Fee: Must.
3. Card required for: Petrol (BHP, my nearby branch don't accept AMEX), online payment which dun accept AMEX as autodebit (insurance premium etc)
4. Existing credit cards if any: MBB 2 Platinum, HLB Essential
5. Preferred Bank or Considering CC from banks: Anything better which than HLB Essential 1% unlimited cash rebates, plan to cancel this card. MBB Mastercard 1x treatpoint not attractive enough when AMEX not being accepted.
6. Others: Not able to get OCBC Titanium Mastercard as I was told they are very strict with new applicant (I got my first credit card early of the year, Standard Chartered and OCBC said my record was too CLEAN to begin with)
7. Estimated Spending per month with the card: RM1k to 2k

This post has been edited by allenultra: Sep 13 2011, 09:28 PM

BHP - get UOB One Card and earn 2$ SMART$ cash + BHP points 0.9% + 5% from UOB One Card, check out Petrol thread BUT downside insurance only 0.3% So compare it with HLB essential and see the diff. If not mistaken, HLB Essential no cash back for petrol.

Also check out the following articles im my blog.

Best Credit Card in Malaysia for Petrol and Movies
Revamped UOB One Card - It's A Pure Cash Back Credit Card. In this artilce I did a table to compared the difference in cash back from various cards.

Since you say your record is clean (and subjected that you can prove your income) why don't you write an appeal to OCBC, nothing to loose but 5% cash back to gain for Petrol and dining and utilities There is no such thing as too clean record. Maybe it has something to do with other criteria like your nature of work.

This post has been edited by Gen-X: Sep 13 2011, 10:39 PM

hello cc expert! i would like to apply my first credit card and i need it before oct 15 as im going to travel to aussie for 2 months. some bank told me that im not going to get it by oct 15 as im just started working on July 4....any opinion on which bank will accept my application?

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol, Overseas Transactions, Cash Rebate

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Nil

6. Others: Nil

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

i'm afraid that's the case
your only option would be debit card
CC application require at least 2-3 month of salary slip
or else you can try ur luck at maybank 1 U centre said to be ready within 1 hour

Maybe I shall an appeal letter to OCBC back then.
I paid my income tax, class 2 occupation. I should be very much qualified but they already rejected my application twice.

Again, I dun really need more than RM600/month for petrol, UOB might fit the bill if I can't get OCBC.
HLB essential 1% might seem very little but since with unlimited cash back, it might come good if I use up my MBB2/UOB monthly cap.

This post has been edited by allenultra: Sep 14 2011, 10:49 AM

what if i have a clean record ( no car loan, no PTPTN, no education loan) and i work as established staff for a 'Bhd' GLC company?

This post has been edited by nik0ns: Sep 14 2011, 11:24 AM

thats the problem, your record is too clean ==

please help me.. this will be my 1st c/card

1. Annual Income: about RM24K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Purchasing Goods
4. Existing credit cards if any:Nil.
5. Preferred Bank or Considering CC from banks: Any banks
6. Others: -
7. Estimated Spending per month with the card: Less than RM1K

Thanks in advance

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: [A Must
3. Card required for: List all your needs. Petrol, Cash Back/Rebate Only, movies,

4. Existing credit cards if any: Nil.

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



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

This post has been edited by stanleypua: Sep 14 2011, 06:58 PM

UOB One Card since that is the only card you can qualify based on your income.

For your case, get the card that is most convenient to make payment, i.e. the bank you bank with.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, emergency

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Any; open to suggestions

6. Others: None

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

Thanks!