1. Annual Income: 36k
2. Free Lifetime Annual Fee: A Must.
3. Card required for: Occasional Shopping,Postpaid phone ( thinking of gettin fixed line)
4. Existing credit cards if any: Nil
5. Preferred Bank or Considering CC from banks: Can be anyting ( but gt account at RHB, Maybank and CIMB)
6. Estimated Spending per month with the card: Less than 1k ( at most 300-400)

Hi am a fresh grad, just got a job. What would be the best for me? not so much of a shopper. Just wanna keep a card for emergency purpose. Thinking of getting a mid budget phone and mebbe use occasionally for fuel and tol ( spend less den 400 a month for this)

1. Annual Income: 36k
2. Free Lifetime Annual Fee: A Must.
3. Card required for: Occasional Shopping,Postpaid phone ( thinking of gettin fixed line)
4. Existing credit cards if any: Nil
5. Preferred Bank or Considering CC from banks: Can be anyting ( but gt account at RHB, Maybank and CIMB)
6. Estimated Spending per month with the card: Less than 1k ( at most 300-400)

Hi am a fresh grad, just got a job. What would be the best for me? not so much of a shopper. Just wanna keep a card for emergency purpose. Thinking of getting a mid budget phone and mebbe use occasionally for fuel and tol ( spend less den 400 a month for this)

TM doesn't allow autodebit for OCBC right?

1. Annual income 60k
2. Free lifetime annual fee : dont mind
3. Card required for : cash back rebate, petrol, interest free epp
4. Existing cc : maybank visa flexcard
5. Preferred bank : ocbc, pb
6. Others : planning to do BT from my current cc to new cc...so, looking for good offer of it.
7. Spending : >rm500 mainly on petrol

1. Annual Income: RM55k

2. Free Lifetime Annual Fee: preferred but not a priority

3. Card required for: petrol, online purchase, dining, bills

4. Existing credit cards if any: CIMB Classic since 2009

5. Preferred Bank or Considering CC from banks: considering CC from OCBC Titanium.

6. Others: Looking for CC that gives lots of benefits... (continuous promotion,discounts, etc.)

7. Estimated Spending per month with the card: Should be around 1k..

Thanks.

Hi,

You can try OCBC Titanium. This card is no annual fee with 12x swipe (first year is free) and you can enjoy 5% everyday rebate for groceries, petrols, dinings and utilities (cap RM50 monthly). Further, they are doing the promotion now. You can enjoy Buy 1 free 1 movie ticket for whole Malaysia GSC Cinema until 30 June 2012 and 20% rebate for the Curve dining. If you want to apply can contact me o, I am OCBC direct card sales staff. Thanks

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Added on March 31, 2012, 1:00 am

Hi,

For the commission, the bank will count in as your income but only 80% from that and you need to submit at least 3 month commission statement to prove the stability of your commission.

1. Annual Income:RM30k
2. Free Lifetime Annual Fee: Would be good to have
3. Card required for: Petrol, groceries
4. Existing credit cards if any: Nil
5. Preferred Bank or Considering CC from banks: Any bank
6. Others: Nothing
7. Estimated Spending per month with the card: Should be around RM 750 (For petrol and groceries only)

1. Annual Income: ~60k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Mainly Petrol and bills (Internet, HP, TnG, TNB), some grocery/dining
4. Existing credit cards if any: None
5. Preferred Bank or Considering CC from banks: Considering between OCBC Titanium & Maybank 2 Card
6. Others: Have Maybank/Stan Chart & Public Bank savings accounts (due to employment etc.) already so convenient payment would be good. If can get rebate/points for TnG reload better.
7. Estimated Spending per month with the card: Should be about 1k (at least 500-600 on petrol, ~100 on HP, 68 on internet, >100 on TnG)

well Public bank giving 8.88% on certain transactions

http://savemoney.my/best-cashback-credit-cards-in-malaysia/

aHAHa okok didn't know, so not very helpful i guess?

1. Annual Income: RM30K
2. Free Lifetime Annual Fee: Not a priority
3. Card required for: Petrol, online transactions, cinema, cash rebate, groceries, installment for gadgets or furniture
4. Existing credit cards if any: OCBC Titanium / CIMB Classic
5. Preferred Bank or Considering CC from banks: Citibank Plat
6. Others: pump petrol during weekdays, installment for gadgets or furniture, backup for cash
7. Estimated Spending per month with the card: 1K
- i have own business which is online based which is registered. can this be used as supporting income documents as well?

- is it advisable to keep one local and one overseas bank CC? i'm lookin to cancel CIMB classic as i have been with them for years but no increase of limit or upgrade of card. but OCBC has upgraded me with Limit Increase and upgrade card within 3 years.

1. Annual Income: 40k according income tax

2. Free Lifetime Annual Fee: prefer

3. Card required for:  Groceries, Utilities, Petrol, online transactions, shopping, movies & dining(sometimes)

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: look for the best rebate

6. Estimated Spending per month with the card: around 1k

7. Others: 0% installment.

Hi all,

Planning to cancel my UOB One Credit Card and apply another bank credit card if there is any better compare with it..

1. Annual Income: RM48 to RM55K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Mostly use for insurance auto debit, Petrol, Movie, Pay bills...

4. Existing credit cards if any: UOB One Credit Card

5. Preferred Bank or Considering CC from banks: Considering Maybankard 2 Cards

6. Others: Please be specific. Prefer a widely available bank unlike Citibank.

7. Estimated Spending per month with the card: RM1K to RM1.5K

Dear all,

I want to apply for credit card but dont know which to take. Hope you can enlighten me in choosing the best card for me.

1. Annual Income: RM30k-RM36k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol,Groceries
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: Giant Citibank Credit Card
6. Fixed expenses per month with the card: Example RM900 - RM200 petrol, RM300 groceries, RM100 Dining, RM100 Telco, RM50 movies, others RM150.

Thanks for your help

Will study more and consider between these 2 cards.

Thanks for your feedbacks.

My guts tell me that credit card is better option that personal loan. Please guide me. I am noob in credit card, but I manage my finances very well until now

1. Annual Income:  RM48 to RM60K

2. Free Lifetime Annual Fee: Does it matter?

3. Card required for: List all your needs. Mainly for food, online purchases.

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Currently savings acc with CIMB.

6. Others: NOne

7. Fixed expenses per month with the card: RM 800 food, 500-cigs and hopefully RM 2000- Home Loan

8. Non-fixed expenses but recurring in RM: None

Thanks for the reply. I was looking at Citibank Platinum since my friend recommend it as well, what is your take on that card?

1. Annual Income: RM50K+

2. Free Lifetime Annual Fee: Prefer free lifetime annual fee

3. Card required for: Petrol, Cash Back/Rebate Only, Overseas and Online Transactions

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybe from HSBC/Citibank/CIMB

6. Others: Reasonable interest rate
Appreciate if somebody could advice me on this

1. Annual Income: RM90k - 100k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, F&B, and just in case i need to travel for business trip.
4. Existing credit cards if any: Maybank 15k cc limit UOB 5k cc limit. No debt in both though clear off all
5. Looking at CC from: Not sure.
6. Others: I'm pretty sure i want to cancel mine for Maybank CC. I don't see much benefit unlike my UOB one card. Monthly rebate around 20bucks on petrol itself.

Thanks bro. WOW OCBC Titanium card sounds interesting. Will look at it.

The  problem is i havent get my payslip..i only have offer letter.=(