1. Annual Income: RM36k

2. Free Lifetime Annual Fee: A Must .

3. Card required for: Petrol, Toll, Phone bill payment

4. Existing credit cards if any: None

5. Preferred Bank or Considering CC from banks: Doesnt really matter

6. Others:

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

Hi all,

May I know when is the Maybank2 Mastercard will be available?

Hi Guys

          I am from east Malaysia. Currently, I am only using Maybankard 2 platinum (Master/Amex) and I found out that beside Amex done a good deal on petrol, Watson, guardian and hotels, It is very hard for me to fully utilize the card's benefits(in term of cash back and points) at my area here. I ever think of to get OCBC titanium as it was highly recommended throughout the forum but then after gone through the merchants lists, 85-90% of the merchant are not applicable at my area as well.

          I would like to have some recommendation on the 2nd CC that I am going to apply. All your comments are greatly appreciated.

         

Hi guys,

Need advice from the experts as to which credit card to apply for. Basically, I'm into my first month of a new job. Will I qualify to apply for a credit card now? Have worked for 2 years but took 1 month break prior to new job. Heard there must be 3 months continuous employment?

1. Annual Income: Approx RM55k

2. Annual Fee: Preferably none or minimal

3. Card required for:

a) Business trips overseas (Paying for hotel, food, transport, flight tickets) - Need one with higher credit limit - At least 5k a month?
b) Petrol

4. Existing credit cards if any:
None. I have a savings account with Maybank.
Thanks a lot.

Thanks for the detailed info. Well I meant best if there's annual fee waiver, sorry for the confusion. I would like to ask, do I choose either Visa or Mastercard with AMEX for Maybankard 2 card or do they instantly issue MC with AMEX? Another thing, what is the difference between Maybankard Gold and Platinum?

1. Annual Income: About RM60K
2. Free Lifetime Annual Fee: No
3. Card required for: Petrol, Dining, Cash Back/Rebate, Hotels, Overseas Transactions
4. Existing credit cards if any: Nil.
5. Looking at CC from: Any bank with large network of branches

6. Others: I don't have a credit card at the moment. I'm looking to have one just in case especially for use during travel for work purposes - to local and international destinations. I travel for work about 5-10 times a year. Other than that the card will just be used for occasional expenses. Mostly will be used for petrol and dining.

Monthly expenses will almost always be less than RM1k

Please advise ! Thank you 

1. Annual Income:RM39k
2. Free Lifetime Annual Fee: Would be good to have
3. Card required for: Petrol mainly and for backup.
4. Existing credit cards if any: Nil
5. Preferred Bank or Considering CC from banks: Any bank
6. Others: Nothing specific
7. Estimated Spending per month with the card: less than 1k

1. Annual Income:RM50k
2. Free Lifetime Annual Fee: Doesn't matter.
3. Card required for: Groceries and Bills
4. Existing credit cards if any: Hong Leong Classic Visa and HSBC Amanah Visa (looking to cancel either one unless got reason not to)
5. Preferred Bank or Considering CC from banks: Any bank
6. Others: Nothing specific
7. Estimated Spending per month with the card: around 1k to 2k

Also one side question: How do you get credit limit increment? It's kind of sad that my credit limit is still the same since I first got the card. That time I just started working so credit limit quite low.

Thank you for the recommendation. I'm currently reading about Maybankard 2 cards, looks interesting but I'm not sure I really need 2 cards.

Any other similar cards that I can look into ?
Thanks 

Noticed following (fr generationsxyz site):
- OCBC Titanium does not offer free airport lounge access

do check out cimb-petronas!

1. 30 to 60k

2. No (or maybe dont mind much?)

3. Petrol and rebates

4. No credit cards currently

5. Not looking at any CC's and not familiar

What CC and from which bank do u guys recommend ? Priority on petrol and some rebates that i can frequently take advantage of such as groceries, some shopping perhaps.

Thx in advance!

Annual fee is waived for 12 swipes a year? Or like i have to swipe at least 12 times a month? Sorry not so familiar with CC terms

OCBC Titanium...
5% cashback on petrol & groceries everyday...dun forget the bill & dining...

Seems like PremierMiles is not better than MBB VI

Hi all,

Which credit card offers the best cash rebates without lengthy terms and conditions in order to get the rebates? From my survey it looks like OCBC Titanium Mastercard:

http://ocbccards.com.my/Titanium_Master_Card.aspx

Is there a better one?

Thanks in advance.

1. Annual Income: RM37k (written in EA form)
2. Free Lifetime Annual Fee: Preferably
3. Card required for: Groceries, Utilities, Petrol, online transactions, shopping, backup for cash,
4. Existing credit cards if any: Maybank2Card Amex + Master
5. Preferred Bank or Considering CC from banks: OCBC TMC
6. Estimated Spending per month with the card: around 1k
6. Others: Plan to use it @ whatever place I cannot uses AMEX , pump petrol on weekdays, pay TNB bills

Just to double confirm if getting OCBC TMC is the best combination to use with Maybank2Card Amex

Hi Guru,
Thinking of getting a new card and plan to have sub card for my wife,so that she can cancel her card(HSBC)

1. Annual Income: 100k according income tax
2. Free Lifetime Annual Fee: prefer
3. Card required for:  Groceries, Utilities, Petrol, shopping, dining, medical bills, car services
4. Existing credit cards if any: [/B]HSBC gold
5. Preferred Bank or Considering CC from banks: look for the best rebate and no manual fees
6. Estimated Spending per month with the card: around 2-3k
7. Others: 0% installment.

What card should I get instead?

Thanks in advance!

Thanks again Gen-X, just to confirm the annual fees that we mentioned is same as the government service tax for credit card?

I see, so the government service tax will not absorb by bank based on certain condition?

---

Added on July 24, 2012, 10:29 pmanother dumb question, if i apply supplementary card for my wife, it will be another government service tax impose ?

the service tax is based on number of card? if myself and wife both have a card, means will charge RM100 as total?