Cannot, only VISA and MasterCard is allowed for online payment.

IC, 10k point = RM50 voucher, good deal also. AMEX can pay bill by using online banking?

ohhh.... too bad!!!
i don't like auto billing for such big amount of TNB bill, afraid they overcharge then messy to settle it. Can use the TNB kiosk machine to pay bill using Maybank AMEX?

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?

. Annual Income: RM60,000

2. Free Lifetime Annual Fee: advantage if have one

3. Card required for: fuel & bill payment i.e. tnb syabas astro prudential

4. Existing credit cards if any: CIMB MC Gold, HSBC MC Gold, HSBC Platinum

5. Looking at CC from: None

6. Others: looking for a cc in huge rebate/benefits from my fuel and bill payment. wishing to cancel all other cc if i find a good deal.

TQ Guys~!

. Annual Income: RM60,000

2. Free Lifetime Annual Fee: advantage if have one

3. Card required for: fuel & bill payment i.e. tnb syabas astro prudential

4. Existing credit cards if any: CIMB MC Gold, HSBC MC Gold, HSBC Platinum

5. Looking at CC from: None

6. Others: looking for a cc in huge rebate/benefits from my fuel and bill payment. wishing to cancel all other cc if i find a good deal.

TQ Guys~!

actually to get rm50 voucher, the points is between 9,300 to 11,000. or like i mentioned before, can also redeem carrefour rm10x5 (rm10 = 2,000 points).

no, u cannot pay bill onl via amex

again, no. tnb only accept visa & master. amex can only use with autopay

For your case OCBC Titanium MasterCard where you are guaranteed to earn 5% cash back for your Petrol, TNB, Syabas and Astro and 1% for Prudential. However you did not state how much your monthly expenses. OCBC Titanium Cash BAck is capped at RM50/month. The GST is waived by OCBC if you spend RM10K per year.
Click here to read my article on OCBC Titanium MasterCard.

And since you earning RM60K, go read my article on Platinum Cards by clicking here.

no wonder less ppl use amex..... else this amex 5x point really attractive.
Thanks you very much for the clarification.

is that mean that total rebate will be RM 50 or RM 50 each i.e. TNB 50, Astro 50 and so on...

my monthly expense on fuel is about 100~200, TNB <100, syabas as od now free, astro 130.
others mostly on dining, maybe around 300~500.

is that mean that total rebate will be RM 50 or RM 50 each i.e. TNB 50, Astro 50 and so on...

my monthly expense on fuel is about 100~200, TNB <100, syabas as od now free, astro 130.
others mostly on dining, maybe around 300~500.

BTW, your blog rocks man! will be reading it tonite. definitely.

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.

thanks for your info.... very precise and to the point... like a personal CC consultant tailored to the point... and thanks others for their view also...  

my first credit card i get the basic 1 to explore the world... i will apply 1 more sooner or later..

i applied house loan with pbb they give me pre-approved CC , although i tell them i dont need it but they ask me to sign it.... later when i received it i dont activate it will not charge gst right? how i can cancel that card, can phone them to cancel the card??

the next card i will get probably i will get m2 amex gold, later when more salary can upgrade to plat?

but after i back from kl, i feel i need a card with travel protection and lounge access... based on my spending pattern, which 1 suits me where worth me take it?

but after i back from kl, i feel i need a card with travel protection and lounge access... based on my spending pattern, which 1 suits me where worth me take it?

i had just applied for OCBC Titanium this afternoon, hope they will approve my application soon. So i got a question on the GST RM50 charges, when will this charges appear? upon approval of the card or after 1 year?  and how to check my application status?

once your CC approved 100% will charge GST already

how about PRE-approved Credit card, they mentioned is and some sort ask me must sign the document(they say help them hit quota)? does it means pre charged me GST RM 50?

pre-approved means no need to apply, it doesn't mean no need to pay GST.

i know... i heard the CS said if i no active it it not charge me gst... which makes me blur now....