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

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anglee82
post May 13 2012, 11:07 PM

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1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, Free Lounge Access

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks:
was thinking of public bank.bcos i hv FDs and c.account and investment with them.but cant seem to get much info on public bank card fr page1..

6. Others: was hoping to apply for plat card..bcos my husband got plat and he always left me out when it comes to lounge cry.gif

7. Estimated Spending per month with the card: RM1K to RM5K

thanks for helping all


anglee82
post May 14 2012, 12:13 AM

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Joined: Aug 2007


QUOTE(Gen-X @ May 14 2012, 12:45 AM)
What, your husband goes to the lounge without you! Did you know that he can bring you along but need to pay for your entry. If you got a supp card from him, you go charge it to the card and enter with him, hahaha.

Most cards that allow access to Plaza Premium Lounge requires minimum income RM60K/year (Platinum).

If your income is close to RM48K/year, apply for American Express Kris Flyer card, it allows free access to LCCT and KLIA Plaza Premium Lounge. Click below link
http://www.americanexpress.com.my/amx_info...CB-CardBenefits

As far as Public Bank is concerned, unless you have like half a million in FD and gets invited for their Visa Infinite, forget about them. And if you really got RM500K, better you go deposit with StanChart and get their Visa Infinite which allows you unlimited access to airport lounge worldwide.

For more info on airport lounge, please go to the relevant thread here.

And for Cash Back credit card, go apply OCBC Titanium MasterCard where you will get 5% for Petrol, dining, utility bills and telco bills and 1% for other transaction. BUT, if you husband pay for all those stuff and you shop at Isetan, Parkson, MJ, JJ, go get Maybankard 2 Cards where you will earn 5X Treats Points everyday which is better than OCBC Titanium MasterCard 1% cash back. AND on Saturdays or Sundays, you will earn EXTRA 5% cash back with the Maybankard 2 AMEX. Recommend you click here to read my review on Maybankard 2 Cards where I have compared it with OCBC TMC.
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thanks for the reply..

hubby onli goes in to hv a drink with his friend...we ladies dun go in..mostly hit the duty free shops
as for the income..i onli declare 48k in my BE..no point declare too much..if u know what i mean ya..
will ask SC regarding that visa infinite..the sc lady didnt mention it when i made a 100k FD last month for their 4% six-month offer.. rclxub.gif


Added on May 14, 2012, 12:18 amhow abt the GSC cinemas with hongloeng bank i think..isaw the promotion counter at the cinemas..they told me 48k can apply plat..but dun know much bcos no account there

This post has been edited by anglee82: May 14 2012, 12:18 AM
anglee82
post May 14 2012, 12:24 PM

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Joined: Aug 2007


QUOTE(Gen-X @ May 14 2012, 07:48 AM)
haha, you want better card to gain FREE access to airport lounge, then declare more income tongue.gif Then again the "savings" you get should cover the cost to enter the airport lounge.

One needs to deposit minimum RM250K with SCB to be entitled to Priority Banking status and therefore automatically eligible for the SCB Visa Infinite. And got to maintain this said amount or else you'll be charged a monthly penalty fee, but you may be able to maintain the SCB VI card without Priority Banking status - click here to read my article on SCB Visa Infinite.

As for Public Bank, better you calculate the interest due to you before you go withdraw your FD. Last time their "system" failed to pay me 2 days interest when the maturity day happened to fall on a Saturday where I could only withdraw the fund on Monday. Had to complain to the manager who was not so helpful until I mentioned about going to BNM and only then they agreed to pay me the interest due to me. Clue - look out for the word "Penalty" in the withdrawal receipt.

GSC cinema - with OCBC TMC and AMEX Platinum, you'll get 1 for 1 free ticket at GSC until end of June 2012.

Click here to read more about Free 1 for 1 ticket at GSC.
Click here for Maybank Credit Card Promotion.

And since you are in FD - click here to my Fixed Deposit page at my blog for latest FD promotions.

Last but not least, if your hubby got 2 or more cards that allow free access to LCCT or KLIA Plaza Premium Lounge (e.g. SCB Plat or Alliance Plat or Citibank Plat), he can actually use his cards to allow you free entry too but not for the case if he has 2 Priority Pass Membership cards.
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waited up til 12am just for the airasia promotion..i guess nid wait till 16th may.. vmad.gif

yea.. agree with u on the "saving" > entrance fee but i dont want hubby to know i applying atm..haha

asked SCbank..on why they didnt offer me the cash back promotion when i opend FD with them last month..
they said i nid to owned a plat card fr any other bank to apply for SC card rclxub.gif

asked my friend at publicbank..told me public plat shldnt be a problem..just nid to pay the bank a visit.





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