@Gen-X, suggest to change Q5 to Preferred Bank(s):

admin, can we pin this thread, Free Access to Airport Lounges with Credit Cards, Balance transfer and also MAYBE Credit Card v15, American Express® Cards v3, Debit Card V2

other forummers, any suggestions? thx

1st choice, maybankard2 gold AMEX + Visa (Master available in April) - 5% plus 5x treat points with amex during weekend, capped at RM50 per month, no cap for 5x treat points; amex might not be accepted at all petrol stations and some other places; for overseas transactions, visa/master will give you almost the best forex rate amd also 1x treat points

2nd choice, OCBC Master titanium - 5% on any petrol, groceries and some others; while 1% for the rest, capped at RM50 per month, but OCBC might be strict on 1st timer and you annual income is slightly short of the required 36k. Also need to swipe minimum 12 times for annual fee waiver. Can get GST waiver if swipe 10k per annum.

This post has been edited by alexwsk: Mar 17 2011, 05:08 PM

for ur annual income, not much choices from MBB
i would say, go for the Maybankard2 Gold even though you're not qualified yet
1) since u are in the gov sector, might be easier to approve
2) maybankard2 is being approved like nobody's business, so u can try ur luck

come back here if ur application is not approved

UPDATED:
new rules from BNM, you'll not be eligible to apply for CC yet

This post has been edited by alexwsk: Mar 18 2011, 12:21 PM

not for OCBC Ti, as they are strict
different case for MBB2, they are desperate, and also he preferred MBB

well, now he can't apply cc
new rules from BNM, refer above updated post

TRY for maybankard2 gold (min income 30k), if that doesn't work, the next best card will be Public bank esso mobil visa (min income 24k)

since BNM released a set of new guidelines, min income for many cards might be review

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Added on March 18, 2011, 5:44 pmif ur annual income >= 100k, try CIMB visa signature, but none of cimb cards can match all ur requirements

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Added on March 18, 2011, 5:47 pmsince u need it urgently, u will need to walk in to credit card centre to apply
maybank, cimb and citi cc centre has instant approval if not mistaken
on which card is the best for overseas, i'll let those frequent travellers to answer

This post has been edited by alexwsk: Mar 18 2011, 05:47 PM

You can apply for Public Bank Esso Mobil Gold CC, cash back for Esso/Mobil is based on tiered spending, and the rest is 0.5% only
else you can pledge FD and get OCBC titanium
or else if your income is 30k, then can apply for Maybankard 2 AMEX + Visa/Master

unless u insist on pumping at petronas
else just get the maybankard2, it is better in every other ways

u can try, but no guarantee

this is one of the best, but not open for new applications atm

u don't have to have an acc with MBB b4 applying
and the RM50 is GST, so it will be charge

then u tell them, i want to cancel ur "useless" card
end of issue

compounding or not, you'll end up paying roughly the same
banks are not stupid

choose either one of OCBC Titanium or Maybankards 2 Platinum
if u are from KL area, i would prefer M2 more, as AMEX acceptance is generally ok there

definitely go for Maybankard2
if u consistently spend around 2k per month, consider applying OCBC Titanium as well

for more info on the 2 cards, refer posts above

since u need islamic cards, you hv not much choices, just stick to what u hv now

as a matter of fact, you shud apply a few at one go
banks update bnm on monthly basis

none so far for petronas

maybe since everyone asking almost same questions, therefore it was unpinned

basically no differences, and master has more promotion most of the time