1. Annual Income: Rm30k-Rm36k

2. Free Lifetime Annual Fee: MUST

3. Card required for: Petrol and daily needs. Occasional instalment plans.

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: OCBC Ti or UOB One

6. Others: Cash back preferred, pay with M2U online transfer from savings.

7. Fixed expenses per month with the card: Insurance Rm150, Petrol Rm400, can't think of anything else.

8. Non-fixed expenses but recurring in RM: Monthly car maintenance? Budget Rm200 per month. (I don't spend this amount every month.


Currently looking for an entry level card. Cannot decide between these 2 cards. Looking at cash back and rebates.


Thanks in advance guys.

Hi thanks for the reply.

I prefer not to have Maybank. Service is bad, and the only reason why i'm using Maybank now is because my salary comes in through maybank, and the convenience of finding ATMs. I dread everytime i have to head over to the branch.

I've also recently changed jobs. So i have 2 different pay slips. I'll be applying for the OCBC Ti under a program called fresh graduate program, some internal program that they have to offer cards to freshies. Only 1 month payslip needed.

But again the limit will be set at Rm4000. Which is more than enough for me as for now. So i'm guessing that you suggest OCBC more than UOB?