which 1 better? since i dun haf specific usage for the card uob or maybank will give better general benefits?

hmm..
i was thinking about this 3 cards, OCBC Titanium Vs Maybank 2 Gold Vs UOB 1 Card
which one is the best by looking at my criteria as quoted above ?
any opinion?

or there is another option?

This post has been edited by -Franc-: Oct 17 2011, 07:08 PM

you can survey around check for the amex acceptance, and if your spending are mainly on weekend then m2c is the best card you can think of

HIM and this.ia.a.ball:
Click here to read my article Best Credit Card for Petrol.

In a nut shell, if pump at BHP then UOB 1 Card the best. At all other station you still earn 5% cash back for petrol. Click here to read my article on UOB One Card.
If you pump at many different Petrol stations, the OCBC Titanium MasterCard where you can also earn 5% cash back for dining, utility bills and groceries.
If you pump at Esso or Shell on weekends, Maybankard 2 Cards American Express where you can earn 5% cash back on weekends too.

Click here to read my article Entry Level Credit Cards - Which Is Best For You.

Since you claim you going to spend RM5K per month and with your income range, you will need 2 cards because maximum credit limit per card for your case should be 2X your monthly income.

This post has been edited by Gen-X: Oct 17 2011, 10:06 PM

30k not qualified for ocbc titanium
u can try M2 Gold

hi..my application for citibank clear card got rejected. ='(
why is that? is rm2.1k monthly which adds up to rm25200/annum not enuf to get it approved?

you can still considered on uob 1 clear card minimum requirement also 24k only

1. Annual Income: RM100k above

2. Free Lifetime Annual Fee: A Must

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

4. Existing credit cards if any: Citibank Cashback Platinum and CIMB classic gold

5. Looking at CC from: ?

Hi,

I already have 1 citibank cashback, works well for me. I'm thinking to replace my cimb with something else. I find it not very useful.

Is there any Credit Card got rebate on the government tax? I just need 1 as spare in case something wrong with my primary card.

Is there any other credit card with better rebates? I mainly spent my money @ shell, giant/jusco. Occasionally shopping..

Click here to my Casb Back Cards page in my blog. Once there, go click on link to UOB One Card and if you don't have time to read, go see the 2 comparison tables. Suggest you check out UOB One Card, Maybankard 2 Cards and OCBC Titanium MAsterCard.

For GST waiver, OCBC does waive it if you spend RM10K/ year. Or with the Maybankard 2 Cards, you only need to spend RM2,000 to get 10,000 Treats Points to offset GST, and including the cash back you may get on weekends.

This post has been edited by Gen-X: Oct 18 2011, 11:02 AM

thanks.. the OCBC card looks good..

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Added on October 18, 2011, 11:26 amactually citibank might be better still , forgot to mention i visit cinema very frequently.. last time they have 1 for 1 free.. now they charge rm10 per ticket, still save some money there for a couple.. for a month , might save more since ocbc rebate capped at rm50 per month

quick question.. the ocbc rebate on dining, is it all F&B outlets?

This post has been edited by patrickl33: Oct 18 2011, 11:26 AM

check out this thread for OCBC 5% cash back outlets. So far I have no problems getting 5% cash back for dining.

but i wan citibank clear card due to the benefits they offers. (entertainment stuffs).
how does the bank calculates for approval? rm24kp.a on ur basic or gross(minus pef n socso)??
any ideas any1?

It is based on gross but annual income is not the only criteria. They also look into Nature of work, credit history and etc (=I don't know),

is it? hmm..if thats the case then i think not enough lo. but i'm sure my epf statement is strong enuf wor.

Aiyah , forget to mention Gross is before any deductions. Bro, don't worry, apply in 6 months time. In the meantime, go apply another card that is most convenient (the bank that you have savings account) to build up your credit history. After 1 year, if you pay promptly and have no outstanding, no BT, no late payment, it will be easier for you to get other cards.

6 months?!! o.O i wan citibank clear card so can enter zouk FOC!!! (main purpose)
but now...looks like i gotta try UOB. *sigh*
anyway, thx for the advice.

1. Annual Income: RM50,000

2. Free Lifetime Annual Fee: ANY

3. Card required for: bill for TNB, TM

4. Existing credit cards if any: OCBC Titanium

5. Looking at CC from: None

6. Others: Prefer online payment for TNB monthly bill RM2000 & TM, can get point / rebate for CC. My current OCBC Titatium rebate limit only cap at RM50.

Thanks in advance

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Added on October 21, 2011, 1:22 pmHi Gen-X,
Really like your cc blog, it's very details & pro. I just got my OCBC Titanium after visit your blog, the CC comparision table really usefull & great.

Barlog

This post has been edited by barlogteoh: Oct 21 2011, 01:22 PM

Thanks Bro for reading my articles and good to know you found them useful.

As for TNB, get Maybankard 2 Cards and then apply AutoPay with the MBB 2 AMEX card. You will than earn 5X Treats Points. With RM2K bill, you will get 10,000 TP to offset GST for the first month and the balance 11 months you will get RM2K x 11 x 5TP = 110,0000 TP And if you use on weekends, can get max RM50 cash back too

Click here to AMEX site to read mor about Auto Pay.

For Telcos and Astro, you can just do auto debit with them directly and not necessary got to fill the AutoPay form with AMEX.

This post has been edited by Gen-X: Oct 21 2011, 01:41 PM

looking at another card to cover UOB one card... do i need another card?

my expenses about 1k every month, petrol, digi, maxis, food, grocery, online payment etc...

looking for cash rebates and other benefits

looked at ocbc card already but the function almost same and wish to have a card which not overlapping it...

salary = ard 40k...

rm2000 TNB, get MAYBANKARD 2 AMEX and signup for autopay.

confirm 10k points per month, which u can redeem rm50 voucher (parkson/mydin/sogo) or on-the-spot @ maybank center (rm50 caltex/petronas, rn10x5 carrefour, etc).

for TM, just use ur current OCBC Titanium (since TNB no longer pay with it).

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Added on October 21, 2011, 4:41 pmMAYBANKARD 2 AMEX, 5% but only on weekend ~

or, HLB Essential 1% anything everyday ~

This post has been edited by erry-: Oct 21 2011, 04:41 PM