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

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WhitE LighteR
post Oct 2 2012, 06:26 PM

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Not sure if this is a right place to ask but here goes:

I have an Ambank True card (my 1st ever card) that has no benefit what so ever, no point, no annual fee, no cash bank, etc. The only thing tied to this card is my monthly insurance charges. I currently plan to change the insurance charges to either my Citibank and get x1 point/ringgit (less then 0.5% cash back) OR apply MBB2Card and get x5 point/ringgit ( 2.5% cash back, but low chance my insurance actually accept AMEX) OR apply OCBC TI card and get 1% cash back.

My question is this. What should I do with my Ambank card? Cancel? Ask to change to another card? I dont see any nice Ambank card... and I dont see any benefit on keeping it either.
WhitE LighteR
post Oct 3 2012, 01:12 PM

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QUOTE(fruitie @ Oct 2 2012, 06:29 PM)
You have the answer already, then cut it off. smile.gif
You need to pay for GST right? unsure.gif
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QUOTE(Gen-X @ Oct 2 2012, 06:30 PM)
you can always check now it your insurance company accept AMEX. Some AIA branches do accept AMEX and so does Etiqa.

As for  the AmBank card, you answered your own question.
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TQ very much for your opinions...


Added on October 3, 2012, 1:18 pm
QUOTE(GongFuChau @ Oct 3 2012, 02:34 AM)
Thanks for the reply. I was looking at Citibank Platinum since my friend recommend it as well, what is your take on that card?
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Keep in mind there is a RM600 annual fee for Citibank Platinum (x5 points @ <2.5% cash back). The gold card has all the perks and only RM195 annual fees (x3 points @ <1.5% cash back)

The only reason i keep my citibank card is because they have alot of offers everywhere....

This post has been edited by WhitE LighteR: Oct 3 2012, 01:18 PM
WhitE LighteR
post Oct 31 2012, 12:18 PM

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QUOTE(Titan_Gunners @ Oct 31 2012, 09:14 AM)
Another point to add.
Both cards having cashback cap at rm50 per month.
For 5% cashback, you will only get cashback for rm1k spend.
For mbb2, you will still get 5x TP afte rm1k spending.
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But keep in mind x5 TP is only for MBB2 Amex. MBB2 visa or mastercard only x1 TP
WhitE LighteR
post Nov 17 2012, 01:53 AM

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QUOTE(maru @ Nov 16 2012, 10:56 PM)
yup

almost similar...

but for citibank, u can purchase ticket for others day flat rm10 in TGV
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keep in mind this is a promo that will end on 31st Dec 2012
WhitE LighteR
post Dec 12 2012, 04:20 PM

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Need some advice again from you guys after something unexpected happened.

My annual Income: RM 60k

I already have Citibank, OCBC Ti and MBB2 card.

I maxed out OCBC card cashback and for shops that don't receive Amex I find myself with no card that offer either good cashback or good points return. doh.gif

Please recommend me one. This card must either be Mastercard or Visa (prefer Visa as all my card is master doh.gif) and the spending focus would mainly be dining.
WhitE LighteR
post Dec 12 2012, 05:14 PM

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QUOTE(Human Nature @ Dec 12 2012, 05:08 PM)
Have a look at UOB one card. I would rank it the 3rd best cashback card after OCBC ti and amex.
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UOB One card scarry la... laugh.gif The annual fee waiver T&C is insane. And there is no cashback for Dining (0.3% only under general transactions) ph34r.gif
WhitE LighteR
post Dec 12 2012, 05:34 PM

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QUOTE(Human Nature @ Dec 12 2012, 05:23 PM)
HLB MACH
2. TrendSetter
- 2% Cashback on Major Style outlets: Uniqlo, Cotton On, Esprit, Topshop, Topman, Forever 21, Zara, Converse, G2000, Charles & Keith
- 1% Cashback on All tickets & hotels purchased with AirAsia
- 5% Cashback on ALL Dining outlets (MCC 5811, 5812, 5814)
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Yes. I've been looking at that actually tongue.gif
Same thinking.. hahaha.. I am reading up on the T&C. Seems ok. 12 swipe a year for annual fee auto waive.
WhitE LighteR
post Dec 16 2012, 01:18 AM

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QUOTE(cindygirl8888 @ Dec 13 2012, 05:31 PM)
Mai I ask is HLB essential better or citibank cash back better?
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Depend on your spending pattern.
WhitE LighteR
post Dec 22 2012, 12:13 PM

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QUOTE(budak nakal @ Dec 22 2012, 03:17 AM)
1. Annual Income: 46k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Bills, TnG, installment, groceries at MYDIN, Cash back

4. Existing credit cards if any: Maybank Petronas

5. Preferred Bank or Considering CC from banks: Any

6. Estimated Spending per month with the card: Petrol 200, Streamyx - 130, groceries - 250, maxis - 150. PTPTN, 250 per month

Hi,

Just want an advice regarding what cash back card that suitable for me based on my spending habit. Currently I'm utilize my Maybank Petronas that give me 8TP and 5TP until Feb 2013 if I not mistaken.

Since I plan to married next 2 years, which card can give me greater savings or which I can utilize for maximum cash back since I plan to do this item below for next year:

1. Cash back card must accept Mydin for the 5% or whatever max percent cash back that the card offer.

2. I plan to pay my ptptn 3k per month by any CC that can max the cash back by monthly plus bonus of point or any additional benefit an then BT it to any CC that have 0% for 6 months or 12 months. By this way, hopefully I can settle my ptptn loan in one year and get 20% discount on it for full settlement in one year then only concentrate to pay up the BT later on.

Thanks,
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Firstly, u cant pay ptptn with CC. Secondly, that is not how u maximize 20% ptptn discount. Please refer to the ptptn thread. I got explain about this. The 20% is calculated based on final payment only.

http://forum.lowyat.net/topic/599343

This post has been edited by WhitE LighteR: Dec 22 2012, 01:00 PM
WhitE LighteR
post Jan 5 2013, 10:48 AM

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QUOTE(mini_sushi @ Jan 4 2013, 02:28 PM)
Is there any Visa cc that offer free lifetime annual fee beside of MBB 2 cards coz I already got them (Master+Amex) or can I apply for the same package but this time Visa+Amex
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seldom card have free fee. there is always a min transaction needed for auto waiver. that is a more reasonable thing to look for. MACH card can request for VISA. You need to have 12 swipes or RM8K spending a year for auto fee waiver.
WhitE LighteR
post Jan 5 2013, 11:46 PM

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Loan cannot be paid by another loan. So all house loan, study loan and car loan cannot be paid with CC
WhitE LighteR
post Jan 17 2013, 10:44 PM

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QUOTE(neyoyo @ Jan 17 2013, 09:38 PM)
Maybank good to shopping at 1U
Citibank a lot restaurant discount
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Dude, u must be joking.. u replied someone who posted 2 years ago doh.gif
WhitE LighteR
post Jan 18 2013, 11:58 AM

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QUOTE(wild_card_my @ Jan 18 2013, 11:21 AM)
Hello people, i would like to inquire getting a card for a female frined who has been working for a while. She is looking for:

1. Petrol rebates, preferably Petronas but she does not mind going for other stations for better rebates
2. Groceries, preferably hypermarkets like Tesco, Giant, Mydin, Carefour
3. She has a gross income of RM3200, net of RM2800.
4. Great credit record

Oh before you guys ask, I work in the property mortgage center, and I do not know too much about my own bank's credit card offerings biggrin.gif !!!
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Standard answer is Maybank2 Card and OCBC Titanium...
WhitE LighteR
post Jan 18 2013, 12:57 PM

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QUOTE(wild_card_my @ Jan 18 2013, 12:07 PM)
Why thanks, I will check them out. So many cards out there, will take too much time wto wade through them.
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Yup. A good place to start is by looking at your friend's salary requirement. That should narrow the choices...
WhitE LighteR
post Feb 5 2013, 11:52 AM

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QUOTE(Sons of Winter @ Feb 5 2013, 09:17 AM)
Im looking for a 2nd credit card bcos the maybank2card only amex is useful and most shops dun accept. I use it mainly for petrol. I hope got another credit card can use for normal shopping.

Any card to rekomen?
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OCBC Ti

Dun get HLB Wise like someone said. The annual fee waiver at this point is still unknown. Plus its much more complicated to use compare to OCBC Ti

But keep in mind OCBC Ti max beneficial usage is only 1k for 5% CB or 5k for 1% CB

This post has been edited by WhitE LighteR: Feb 5 2013, 11:53 AM

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