For petrol and Telcos, best is OCBC Titanium MasterCard and Petrol MBB 2 AMEX. Since you spend less than RM1K, Ocbc best for your case. OCBC Titanium minimum income RM36 but you can pledge FD to get OCBC Titanium, go to OCBC branch and find out more.

If you don't want peldge FD, try MBB 2 Cards.

Click here to read more on OCBC Titanium MasterCard.

Once you enter link above, you can also read my post on MBB 2 Cards and also click on Minimum CC Income Requirement and Credit Limit to see other cards that are free.


Most credit cards allow you to offset GST with 10,000 points.
Are you saying Maybankard 2 CArds Platinum Travel Insurance not applicable for air tickets purchase via online?

This post has been edited by ed1torz: Mar 23 2011, 03:10 PM

what is the point of you mentioning the 5% cash back Foreign Card and not sharing with us on it Elaborate please.

Yes, CIMB does publish the ERAMAN Dutyfree promo, in ]here.
For quick glance, please see the image below:

Hi. I guess you did not read the product info thoroughly.
Maybankard 2 Platinum does provide Travel Insurance.
Please take note of the following clause, especially the underlined one.

Thanks chemistry and Gen-X

1. Annual Income: RM24K to RM30K.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Cash Back/Rebate, Overseas Transactions. So far only can think of those.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Citibank, OCBC, Publicbank.

6. Others: Not that i know of, would prefer cash back rather than rewards point.

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

You can apply for Public Bank Esso Mobil Gold CC, cash back for Esso/Mobil is based on tiered spending, and the rest is 0.5% only
else you can pledge FD and get OCBC titanium
or else if your income is 30k, then can apply for Maybankard 2 AMEX + Visa/Master

Just to update all: I was at OCBC today and the staff there told that we can no longer pledge FD for OCBC Credit Card.

Ah ... get my answer here

1. Annual Income: RM36K above

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol (Caltex), shopping, dining, Overseas Transactions

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Citibank, HSBC, OCBC,Publicbank.

6. Others: no

Any suggestion? Thanks

You did not specify how much you spending per month (please refer template). If less than RM1K for the items highlighted in Card Required For, then OCBC Titanium MasterCard. Click here to read about OCBC Titanium MasterCard.

For overseas spending and if you do spend more than RM1K/month, go for Maybank cards and would recommend to you Maybankard 2 Card where the Visa or MasterCard do give you the lowest conversion rate for overseas. Click below link to read more on Maybankard 2 Cards.
http://creditcardsmalaysia.blogspot.com/20...an-express.html

Click here to read about overseas transactions.

As for shopping at the malls, maybe Citibank and HSBC is better as they have offers discount at some outlets. Go check their website and see if the places you do shop gets you any discount with HSBC or Citi cards. Having said that, also depends where you shop, if you shop at JJ, TESCO, Parkson, Tangs, Robinson, Isetan and outlets at Garden and KLCC then Maybankard 2 Card American Express is good as it gives you 5x Treats Points plus 5% cash back on weekends.

[quote=Gen-X,Mar 24 2011, 10:29 AM]
You did not specify how much you spending per month (please refer template). If less than RM1K for the items highlighted in Card Required For, then OCBC Titanium MasterCard. Click here to read about OCBC Titanium MasterCard.

For overseas spending and if you do spend more than RM1K/month, go for Maybank cards and would recommend to you Maybankard 2 Card where the Visa or MasterCard do give you the lowest conversion rate for overseas. Click below link to read more on Maybankard 2 Cards.
http://creditcardsmalaysia.blogspot.com/20...an-express.html

Click here to read about overseas transactions.

As for shopping at the malls, maybe Citibank and HSBC is better as they have offers discount at some outlets. Go check their website and see if the places you do shop gets you any discount with HSBC or Citi cards. Having said that, also depends where you shop, if you shop at JJ, TESCO, Parkson, Tangs, Robinson, Isetan and outlets at Garden and KLCC then Maybankard 2 Card American Express is good as it gives you 5x Treats Points plus 5% cash back on weekends.




less than 1K.. most important is pertrol and dining. How about Standard chartered Bank? any good card? Thanks

for petrol and dining, OCBC Titanium is pretty good with 5% cash back.

As for Std Chart, doubt you will get anything from petrol. But the Standard Chart Gold Card do give you Travel Insurance and Free Purchase Protection Plan. Since you like Stand Chart, go get both cards, sign up for Std Chart gold Card and get RM128 cash back BUT if you get Maybankard 2 Amex, yo may get up to RM600/year in cash back plus 5X Treats Points.

Click below link to SCB website
http://www.standardchartered.com.my/person...-mastercard/en/

This post has been edited by Gen-X: Mar 24 2011, 11:22 AM

Thanks Gen-X for sharing.. appreciate it....

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol(Shell Only), Touch & GO, Overseas Transactions(not so important), Food & Grocceries, Pay Car Loan & telephone Bill

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: MBB2 Gold. now i have saving acc in Maybank & HSBC

6. Others: sometime my gf will use my card for shopping @kl shopping mall. shop are more on m&g/zara/subzero

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

Gah, Same answer, just when i wanted to Pledge in FD at thier branches yesterday, some officer told me that it is no longer possible to Pledge FD for the particular card...

Only applicable if you have Current C.C or meets the Annual Income.

Tried on Maybank Dua, Straight kena Reject Due to Low Annual Income... +_+

So any other recommendations?

thank you.

Try Maybankard 2 Gold if you really can proof your income to be RM30K. You earn RM30K and you and GF spend RM5K if it is your money she spending, better you go read my hypothetical scenario on BF GF thingy by clicking here,, hope your GF paying for her own expenses. From the same article you can see what cards are free and the card you qualify with your present income.

Once your income reach RM36K, go get OCBC Titanium.

Also you can consider Alliance Gold CC or You:nique where you get both cash back and points if your MBB 2 kena reject.

For both of you, the tricky part is the Petrol portion where most Visa and MasterCard cards do not give you any points or cash back. However there is one that does, it is Ambank Carz card where you can get 2% cash back for petrol and both of you qualify based on the income requirement. Go to Ambank website below and read more about it.

http://www.ambg.com.my/

boonyjun, also click on the link above where I replied to cyril85 post to read my article Malaysia Credit Card Annual Income Requirement.

Another option is look into PBB Debit Cards - Day2Day and Esso where they do give you cash back.

This post has been edited by Gen-X: Mar 24 2011, 07:40 PM

hmm, will try apply next month 1st of april. lol. btw, should i apply visa or master. currently i already have maybank debit visa. for the article i already saw last time, no worry, i always follow your blog:p the 1k-5k spending is combining our 2 ppl monthly money spending as she still studying. and only travel can hit 5k i think which long long 1 time, haha. mostly monthly spending @ 2k +-.

i dun think so fast can get anual 36k, @ that time should be better card also right.

1. Annual Income: RM70K to RM90K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Grocery(Giant), Petrol, Cash Back, Insurance ~10k per year. Not much shopping and dining out

4. Existing credit cards if any: CIMB Petronas Platinum.

5. Preferred Bank or Considering CC from banks: OCBC Titanium, GE OCBC, Maybank 2

6. Others: Maximize cash rebates, savings thru points.

7. Estimated Spending per month with the card: Normally 1k-2k per month, excluding insurance above. Foreseeable future might incur renovation and furnishing costs for a house.

Thank you.