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 Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)

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TSGen-X
post Sep 15 2011, 03:55 PM

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QUOTE(signither @ Sep 15 2011, 10:22 AM)
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!
*
Since you requirement is purely for petrol, go read petrol thread http://forum.lowyat.net/topic/1798403 but looks like UOB One Card the card for you.
brewoe_1988
post Sep 15 2011, 05:39 PM

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please recommend me good c/card for:

1. Annual Income: RM24K
2. Free Lifetime Annual Fee: yes
3. Card required for: Petrol and point reward (more to esso & petronas occasionally)
4. Existing credit cards if any:none
5. Preferred Bank or Considering CC from banks: Any banks
6. Others: -
7. Estimated Spending per month with the card: Less than RM1K

snigapoe
post Sep 15 2011, 05:41 PM

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QUOTE(brewoe_1988 @ Sep 15 2011, 05:39 PM)
please recommend me good c/card for:

1. Annual Income: RM24K
2. Free Lifetime Annual Fee: yes
3. Card required for: Petrol and point reward (more to esso & petronas occasionally)
4. Existing credit cards if any:none
5. Preferred Bank or Considering CC from banks: Any banks
6. Others: -
7. Estimated Spending per month with the card: Less than RM1K
*
i would recommand you on uob 1 card base on your income
khairul255
post Sep 15 2011, 06:01 PM

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Need help from sifu here. thanks :-)

1. Annual Income:RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , installment plan.

4. Existing credit cards if any: Aeon Jusco Credit Card.

5. Preferred Bank or Considering CC from banks: No Idea(need your help)

6. Others: None.

7. Estimated Spending per month with the card: Less than RM1K
brewoe_1988
post Sep 15 2011, 06:06 PM

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QUOTE(snigapoe @ Sep 15 2011, 05:41 PM)
i would recommand you on uob 1 card base on your income
*
thx dude!any other suggestion??
snigapoe
post Sep 15 2011, 06:41 PM

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QUOTE(khairul255 @ Sep 15 2011, 06:01 PM)
Need help from sifu here. thanks :-)

1. Annual Income:RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , installment plan.

4. Existing credit cards if any: Aeon Jusco Credit Card.

5. Preferred Bank or Considering CC from banks: No Idea(need your help)

6. Others: None.

7. Estimated Spending per month with the card: Less than RM1K
*
if not mistaken
there is no cash back card provide for Free LCCT Lounge Access


Added on September 15, 2011, 6:42 pm
QUOTE(brewoe_1988 @ Sep 15 2011, 06:06 PM)
thx dude!any other suggestion??
*
for annual income of 24k that's the only card that come in my mind

This post has been edited by snigapoe: Sep 15 2011, 06:42 PM
TSGen-X
post Sep 15 2011, 11:25 PM

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QUOTE(khairul255 @ Sep 15 2011, 06:01 PM)
Need help from sifu here. thanks :-)

1. Annual Income:RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , installment plan.

4. Existing credit cards if any: Aeon Jusco Credit Card.

5. Preferred Bank or Considering CC from banks: No Idea(need your help)

6. Others: None.

7. Estimated Spending per month with the card: Less than RM1K
*
Did you read first post? With your spending pattern, advise you go read it again even if you had; and then decide you want airmiles or cash back.

As for Cash Back and LCCT, read back last page where someone asked the same.

This post has been edited by Gen-X: Sep 15 2011, 11:31 PM
Robin Liew
post Sep 17 2011, 02:09 PM

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salary rm120k PA
wat card suitable for me?
MilesAndMore
post Sep 17 2011, 04:07 PM

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QUOTE(Robin Liew @ Sep 17 2011, 02:09 PM)
salary rm120k PA
wat card suitable for me?
*
Please fill in all the blanks.

kazekage_09
post Sep 20 2011, 10:01 AM

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1. Annual Income: RM48 to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, Online Shopping, Movies

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: No idea

6. Others: A card that easy for me to pay the card's bills through online.

7. Estimated Spending per month with the card: RM1K to RM5K
TSGen-X
post Sep 20 2011, 10:51 AM

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QUOTE(kazekage_09 @ Sep 20 2011, 10:01 AM)
1. Annual Income: RM48 to RM60K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Cash Back/Rebate Only, Online Shopping, Movies
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: No idea
6. Others: A card that easy for me to pay the card's bills through online.
7. Estimated Spending per month with the card: RM1K to RM5K
*
OCBC Titanium MasterCard. check out OCBC Thread by clicking here and you'll note that you cn pay TNB, Celcom, Digi, IWK, Syabas via online.

Since you do spend above RM5K, you can also consider UOB One Card but for general transactions the cash back is pathetic at 0.3% and so is Citibank Cash Back/

For movies you can consider Citibank Clear Card if you really go often as you can get free tickes every Friday at 3 Cinemas, click here to read my article Best Credit Card for PEtrol and Movies.. Only set back is Clear Card is not a a cash back card.

Talking about spending RM1K-RM5K, you definitely need more than 1 card to maximize cash backclick here to read my article Earn Pocket Money with Credit Cards where I have have given several options of credit card combinations for different type of spending.l

Go ask at Maybankard 2 Thread if the card is good for paying bills online.

This post has been edited by Gen-X: Sep 20 2011, 11:02 AM
vng69
post Sep 26 2011, 04:12 PM

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1. Annual Income: RM24k-RM30k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Cash Back/Rebate Only, Online Shopping, Movies
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: pls advise
6. Others: A card that easy for me to pay the card's bills through online.
7. Estimated Spending per month with the card: RM1K to RM5K

i've read thru n i'm sure u'll tell me to go for UOB One card. besides that, what about Citibank Clear card or Citibank Choice card? pls advise.
broken hearted
post Sep 26 2011, 04:29 PM

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1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Maybank or HSBC or others ..open to suggestions..

6. Others: Getting this card for overseas transactions purely for now. May consider terminate after the trip or use for petrol and shopping.

7. Estimated Spending per month with the card: Less than RM1K
TSGen-X
post Sep 26 2011, 04:56 PM

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QUOTE(vng69 @ Sep 26 2011, 04:12 PM)
1. Annual Income: RM24k-RM30k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Cash Back/Rebate Only, Online Shopping, Movies
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: pls advise
6. Others: A card that easy for me to pay the card's bills through online.
7. Estimated Spending per month with the card: RM1K to RM5K

i've read thru n i'm sure u'll tell me to go for UOB One card. besides that, what about Citibank Clear card or Citibank Choice card? pls advise.
*
haha, you are right because of your requirements and income bracket, UOB One Card is the one suits your needs.
Citibank Clear Card is good for movies, coffee bean, zouk and more of a lifestyle card but it is not a cash back card and therefore you have eliminated it yourself when you said you want only cash back card.
Choice Card? Why you would even want to consider it? Go for Clear Card at least you can get free movie tickets.

QUOTE(broken hearted @ Sep 26 2011, 04:29 PM)
1. Annual Income: RM36K to RM48K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: Maybank or HSBC or others ..open to suggestions..
6. Others: Getting this card for overseas transactions purely for now. May consider terminate after the trip or use for petrol and shopping.
7. Estimated Spending per month with the card: Less than RM1K
*
Read first post and then decide you want cash back or airmiles. As for you considering of cancelling it after the trip, go get a Visa or MasterCard Debit Card from your present bank and save RM50 GST.
beyond86
post Sep 26 2011, 08:36 PM

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QUOTE(snigapoe @ Sep 15 2011, 06:41 PM)
i would recommand you on uob 1 card base on your income
*
uob classic
doraemonkiller
post Sep 26 2011, 10:41 PM

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1. Annual Income: RM42k<
2. Free Lifetime Annual Fee: A Must
3. Card required for: Online payment for bills, Online transaction (Malaysia and oversea purchasing), rebates if any
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: Maybank since the company pay my monthly income to my Maybank Account. Don't mind other banks.
6. Others: Quite shock when Honda center told me that there is 25% discount for car mileage service if I own a Maybank CC... could save around RM100. I have to work on weekends, rest on weekday.
7. Estimated Spending per month with the card: Mostly spend on petrol RM150-RM200, Da Bao Food RM300, Change my laptop every 2.5 years, cinema once per month, Travel within or outside Malaysia if possible.

This post has been edited by doraemonkiller: Sep 26 2011, 10:43 PM
TSGen-X
post Sep 26 2011, 10:46 PM

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QUOTE(doraemonkiller @ Sep 26 2011, 10:41 PM)
1. Annual Income: RM42k<
2. Free Lifetime Annual Fee: A Must
3. Card required for: Online payment for bills, Online transaction (Malaysia and oversea purchasing), rebates if any
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: Maybank since the company pay my monthly income to my Maybank Account. Don't mind other banks.
6. Others: Quite shock when Honda center told me that there is 25% discount for car mileage service if I own a Maybank CC...  could save around RM100. I have to work on weekends, rest on weekday.
7. Estimated Spending per month with the card: Mostly spend on petrol RM150-RM200, Da Bao Food RM300, Change my laptop every 2.5 years,  cinema once per month, Travel within or outside Malaysia if possible.
*
At Maybankard 2 Cards Thread you posted as if you got the cards rclxub.gif Just get Maybankard 2 Cards and you can save RM100 as you mentioned at your Honda Service centre.
vng69
post Sep 27 2011, 08:50 AM

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Gen-X,

thanks for the advice.
cplow1
post Sep 27 2011, 09:31 PM

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1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: redeem stuff, discount.

4. Existing credit cards if any: Maybank visa

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

6. Others: The maybank treats point sucks.

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

Thanks!
alexwsk
post Sep 27 2011, 10:01 PM

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QUOTE(cplow1 @ Sep 27 2011, 09:31 PM)
1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: redeem stuff, discount.

4. Existing credit cards if any: Maybank visa

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

6. Others: The maybank treats point sucks.

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

Thanks!
*
easiest is to call Maybank and ask them to issue you Maybankard 2
else consider uob one

This post has been edited by alexwsk: Sep 27 2011, 10:05 PM

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