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

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97th Mobile
post Mar 18 2011, 05:12 PM

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1. Annual Income: Above RM30k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, AirMiles, Overseas Transactions, Free LCCT and KLIA Lounge Access, Online Shopping, Discount at airport duty free and other free perks.

4. Existing credit cards if any: Maybank Visa Classic.

5. Looking at CC from: CIMB.


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97th Mobile
post Mar 19 2011, 12:38 AM

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Thanks alexwsk and chemistry for your replies.

Hi Gen-X, let me try again below -

1. Annual Income: RM 84k ~ RM 100k (Not Constant cause own business)

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, AirMiles, Overseas Transactions, Free LCCT and KLIA Lounge Access, Online Shopping, Discount at airport duty free and other free perks if available.

4. Existing credit cards if any: Maybank Visa Classic (Limit RM 52K)

5. Looking at CC from: Any Banks

I do not need to have all the above mention requirements, just the best available card that is best suited for the above mention requirements.

TQ
97th Mobile
post Mar 22 2011, 01:54 PM

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QUOTE(Gen-X @ Mar 19 2011, 08:43 AM)
Ok, with MBB 52K CL, you can qualify for most cards.

My opinion is that for your needs, you need a combination of cards:

Citibank Premier Miles for AirMiles and Airport Lounge Access as mentioned by chemistry. BUT this card do not meet your requirement for auto Free Annual Fee. I think most AirMiles card with Free Access to Airport Lounge do not come with Free Annual Fee, anyone can confirm this?
Free for Life - CIMB Visa Signature or World Master Card to get 15% discount for liquor and chocolates at Eraman KLIA (fags no discount). Like kidmad case: call CIMB Sunway card centre number - 03-56316979 and ask what documents you need for 1 day approval and do tell them you got MBB card with RM52K CL because if you have HSBC or SCB with CL >RM40K they might just approve you based on CL and no need proof of income. If you prefer to do it at Pavilion, call this number and ask for Pavilion contact number and liaise with the staff there. Please do report back and let me know if they accept your CL of RM52K for auto approval so we can share with others. Also note you must be buying stuff worth more than RM333 just to offset the RM50GST with the 15% discount.

For Petrol, go apply Free For Life Maybankard 2 Platinum Cards so that you get points and cash back for Petrol with the Amex Card. The MBB 2 Visa/MC will have the same lowest overseas transaction rate like your existing MBB CC, good for online overseas transactions. After approval of MBB 2, cancel your Maybank Classic Card.

For latest info on access to LCCT and KLIA lounge please go to http://forum.lowyat.net/topic/1791878

and also link below to my blog and see chart on which cards are free.
http://creditcardsmalaysia.blogspot.com/20...ium-lounge.html
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Call up CIMB at 03-21456234, Can apply only CIMB Visa Signature with my MBB card.

Insurance for online ticket purchase, 10k points needed for offset of RM50 GST.

Maybankard 2 Platinum Cards does not have insurance coverage for any air ticket or online purchase... rclxub.gif

This post has been edited by 97th Mobile: Mar 22 2011, 01:57 PM
97th Mobile
post Mar 23 2011, 12:16 AM

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Thanks chemistry and Gen-X thumbup.gif

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