got free annual and gst? my income can get m2 amex ?

Annual fees is waived for life.
GST is only charged to MasterCard and free for AmEx.
Yes, Maybankard2Gold Cards' requirement is only 30k per annual.

oh... any significant different between m2gold and m2plat?

For general spending not really except that Plat comes with Purchase Protection Plan. Plat offer complimentary golf green fees and Travel Insurance which gold doesn't.

For your spending pattern,

Pro of Maybankard 2 Cards vs OCBC TMC:

1. Get 5% cash back on weekends on top of 5X Treats Points vs OCBC cash back 1% to 5% everyday.
2. By spending RM2,000, you will get 10,000 Treats Points to offset GST vs OCBC you got to spend RM10K/year.

Pro of OCBC TMC vs Maybankard 2 Cards and UOB 1 Card.

1. OCBC minimum you earn 1% cash back vs UOB 0.3%.
2. OCBC TMC you will get 5% cash back for Dining, Telco and Utility Bills everyday vs MBB2 only on weekends and UOB you get 0.3% Dining & Utilties and 2% Telco (you get more at participating SMART$ outlet).


OCBC TMC vs. UOB One CArd - the only overlapping is Petrol and Grocery.

Annual fees - Maybank as fruitie say Free For Life, OCBC TMC need to swipe 12 times.

Click here to read my artilce Top 10 CC in Malaysia where you can have a quick reference comparing MBB 2 Cards and OCBC. If you had not read my article on UOB One Card, click here to see tables comparing the 3 mentioned cards.

As for HLB Essential, forget it, with RM1K spending, you'll get only RM10/month and after less GST, you get like RM70 only for the entire year. For RM1K spending or less, to maximize cash back, see what card can earn you 5% cash back on your spending pattern.

I guess Maybankard 2 AMEX does give you more options to earn 5% cash back, that is if you spend on weekends.

This post has been edited by Gen-X: Oct 21 2011, 06:16 PM

* complimentary golf only if u bring 1 member and paid for it.

its better called buy 1 free 1

I think pay manually on weekend on each month is better to get another 5% cash rebate!

---

Added on October 21, 2011, 10:47 pmRHB just released a platinum card which gives 15% on dining!!

This post has been edited by echoesian: Oct 21 2011, 10:47 PM

haha, I guess you don't entertain client by playing golf with them and if you are the client, the other party would pay for your game anyway. Moreover no 18 holes golf club in Klang Valley allows paying customers to play on your own.

And you should tell us which TNB allows you to pay on weekends with American Express

FYI, the RHB plat dinning offer is not new and has been around for more than a year after RHB revamped their Plat card benefits last year.

This post has been edited by Gen-X: Oct 21 2011, 11:27 PM

i never play golf with client or coz of biz. all this time just to have fun with fren

not just weekend, even weekdays also cannot use amex @ tnb!

That means the only way to pay TNB bill with AMEX is with AutoPay ? But this doesn't guarantee the crediting is done on weekends on each month

yes only autopay.
and yes no weekend guarantee.

but in barlogteoh case, the tnb bill is rm2k/month. doesnt matter for weekend cashback coz already get 10k points which equal to rm50 redemption ~

This post has been edited by triny: Mar 11 2013, 11:52 PM

1. Annual Income: RM31,800(probation),RM35,400(confirmed)

2. Free Lifetime Annual Fee: A Must
3. Card required for: cash rebate on petrol, utilities bills,oversea spending.

4. Existing credit cards if any: HSBC Amanah gold <1 yr.

5. Preferred Bank or Considering CC from banks: no specific requirement.

6. Others: must have cash back benefit.

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

triny, too bad you don't want MBB 2 which is good for weekends.

Since you only prefer Cash Back (which I think is the right choice based on your spending), I would recommend either UOB One Card (income requirement RM24K/yr) or OCBC Titanium MasterCard (income requirement RM36/yr). Both these card entitle you to 5% cash back for petrol. For grocery UOB earn you 2% whereas OCBC 5%. However for dining and random shopping, the UOB only earns you cash back of 0.3% only versus OCBC TMC 5% for dining and 1% for shopping. However, UOB One Card earns you 2% at Guardian, Watson and Carings.

Assumption for UOB One Card (**Edited**):

you spend RM100/month for petrol, the cash back you'll get is RM5.00
you spen RM50/month on grocery, the cash back is RM1
you spend RM250/month for places that only earn you 0.3%, the cash back is RM0.75 (worst case, can be more and you may also earn additional SMART$ Cash)
Total cash back per month = RM.6.75/month or RM81/year
Less RM50 GST you will earn RM31 for the year. And if you pump at BHP, based on RM100/month, you can earn SMART$2 per month or RM24/year where you can use it to redeem for petrol.

versus Maybankard 2 Card if you spend only on weekends at merchants that accept AMEX, you earn RM400X5% = RM20/month (and also 2000 Treats Points per month where you only need 10,000 TP to offset GST)

For UOB One Card, the annual fee is waived if you swipe 12 times but no GST waiver.
For OCBC TMC, the annual fee is also waived if you swipe 12 times and GST "waived" if you spend RM10K/year.

Click here to read my article on UOB One Card. Look at the tables and do a comparison between UOB One Card and OCBC TMC to see how much cash back you may earn based on places you spend your money. If you opt for UOB One Card, best if you can pump petrol at BHP where you will also earn SMART$ Cash and BHP reward points. The other thing to note is that it was reported that new applicant for UOB One Card are entitled to RM88 credit. Go read UOB Thread and ask members there.

Also click here to read my article on Entry Level Credit Cards.

terrabbas, please refer above reply to triny.

Try apply OCBC Titanium MasterCard since it gives you cash back of 5% for Utilities too. Also look into Maybankard 2 Cards if you spend on weekends.

This post has been edited by Gen-X: Oct 24 2011, 08:03 AM

I thought OCBC Ti requirement is 36k per annum?

They can accept slightly lower?

I haven't applied mine, wanted to. I think I will defer my plan till next year.

Well, OCBC are kind of strict with their evaluation on approvals. There are some who earn less than RM36K who have got their application approved and then there are some who have Platinum cards but OCBC rejected their application.

one of their agent told me preferably credit card with CL 8k or income more than 4k. Anyway, u still can write an appeal letter and show them ur car loan or housing loam payment record, credit card payment record, bank statement and etc ....

I see, thanks for the tips because all this while I thought OCBC is quite strict when it comes to approval for OCBC Ti.

The reason I got lazy to apply is I have this feeling my application will be rejected despite fulfills their requirements.

I don't have car and mortgage loan... But I have good credit card payment record, no delay and always in full.

u choose card bcoz of their design?

guardian, maxis, digi - maybankard 2 amex is better

---

Added on October 24, 2011, 10:50 amand yes they have uob one classic. see here - http://forum.lowyat.net/index.php?showtopi...post&p=45958382

This post has been edited by erry-: Oct 24 2011, 10:50 AM

1. Annual Income: rm24k++ per year

2. Free Lifetime Annual Fee: A Must

3. Card required for: instant cash but pay monthly/petrol/online shopping

4. Existing credit cards if any: Nil.

5. Looking at CC from: anybank seems im in kuala lumpur

6. Others: actualy i want to make a personal loan, but most of the bank rejected me coz i dont have any commitment. is there any solution about my financial?

Thanks .... sound good for the Maybank 2 cards, will study on this card first.

---

Added on October 24, 2011, 3:04 pmIC, 10k point = RM50 voucher, good deal also. AMEX can pay bill by using online banking?

This post has been edited by barlogteoh: Oct 24 2011, 03:04 PM