1. Annual Income: RM27k

2. Free Lifetime Annual Fee: Any

3. Card required for: Petrol(shell first priority), T&G, Dining, Shopping

4. Existing credit cards if any: none

5. Preferred Bank or Considering CC from banks: Any (have maybank saving acc)

6. Others: m2card gold rejected.

7. Estimated Spending per month with the card: RM1K

i read before, got uob one card, but hypermartket rebate need spend rm100++ per transaction, petrol need spend 70++ first transaction, so it is out.
ocbc titatium card, saw pledge FD, still available? minimum need pledge how much for my income to get approve?

below i clearly stated my expenses so that you can help me choose best card base on my anual income

car loan(maybank)- 400, maxis 200, petrol 350-400(per transaction 50), touch n go 200, carrefour 500(per transaction 60+-).

above is my fix monthly expenses, any card will do? any good card recommend? i can pledge small amount of FD

This post has been edited by WHOW: May 30 2011, 09:24 PM

shell citi bank gold requirement is 36k, which i don't think they will approve me right? even they approved, what i benefit from is just roughly cash rebate RM20 per month from shell without any rewards point/ cash rebate on others spending.

public bank esso with my spending trend, i think rebate is around RM10 per month only.

the market now without any good CC for fresh graduate or low income group? or should i wait for better card in my range come out? actually i don't mind rewards point or cash back, as long as the add up is highest will do. i don't mind change petrol station too.

the expenses stated has already in my monthly budget calculation, so everything go fine and i didn't want to owe bank money too when having CC. TnG 200 due to every month i go back hometown toll 100+- d and working pass by toll too. maxis 200 is 3 ppl using, as i paying for my family line. anyway thank for the spending advise, recently i also looking to cut my expenses, that's why i can stated out my monthly spending budget, but still it is tight budget and some category will over occasionally:9 sigh.. nowadays life are tough, everything price increase. come out with some good credit card for young worker please

for the STD CC, 1 reward point roughly 0.5% only:( and the RM128 online rebate also not much.
but if i apply it and cancel after 3-4 month , will it worth? as now i also not have much choice

This post has been edited by WHOW: May 31 2011, 01:19 AM