Recommendation for Credit Cards V1

Lowyat.NET forums

Lowyat.NET Kopitiam Garage Sales

Lowyat.NET Rules and Regulations FAQ Help Search Members

Welcome Guest ( Log In | Register )

Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

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

views

benl40	Mar 14 2012, 07:51 AM Return to original view \| Post #1
On my way Junior Member 519 posts Joined: Mar 2005	1. Annual Income: RM58k~RM78k 2. Free Lifetime Annual Fee: Best if there is 3. Card required for: Traveling, monthly installments, cash rebates. 4. Existing credit cards if any: Nil 5. Preferred Bank or Considering CC from banks: Any bank 6. Others: Nothing specific 7. Estimated Spending per month with the card: 1~2k Hi there, this is my first time applying for credit card. I would like to know what is the major difference between Visa and MasterCard? From what I was told, there are no major differences, just that Visa is more recognize, please correct me if I'm wrong. I do travel occasionally and I would normally do monthly installment on certain purchases especially on electrical stuff and gadgets. I do not need rebate for petrol at the moment. Thanks for your time =D
Card PM	Report Top Like Quote Reply

benl40	Mar 14 2012, 10:15 PM Return to original view \| Post #2
On my way Junior Member 519 posts Joined: Mar 2005	QUOTE(Gen-X @ Mar 14 2012, 09:17 AM) Firstly, there is no such thing as the Best credit card. It depends entirely on where you spend your money and what you want in return. Having said that, click below link to read my article on best credit cards The Best Top 10 Credit Cards in Malaysia 2012 If you are talking about overseas transactions, there is a slight difference between the conversion rates when comparing Visa versus MasterCard. Click below link and read 1st page and then for MBB Visa vs MC, go read jchong and zenquix post from post#170 onwards. If you ask me, most places that accept Visa also accept MasterCard. But, if kiasu like me, get Visa and MasterCard http://forum.lowyat.net/topic/1845691 And since you spend RM1K to RM2K, recommend you click below and read more on the following cards and then get both the cards. OCBC Titanium MasterCard - you earn 5% cash back everyday for Petrol, Groceries, Telco Bills, TNB, Astro & Dining but the cash back is capped at RM50/month Maybank 2 Cards - the MBB 2 AMEX earns you 5X Treats Points everyday PLUS additional 5% Cash back on Saturdays and Sundays. Once again, the 5% cash back is capped at RM50/month. The Maybank 2 Visa or MasterCard is accepted at many places for installment plans. If you travel overseas often, better to get cards from 2 different card issuers just in case one can't go thru. And since you are new to credit cards, click below link to read more: Introduction to Malaysia Credit Cards CC101 Thanks for the detailed info. Well I meant best if there's annual fee waiver, sorry for the confusion. I would like to ask, do I choose either Visa or Mastercard with AMEX for Maybankard 2 card or do they instantly issue MC with AMEX? Another thing, what is the difference between Maybankard Gold and Platinum? This post has been edited by benl40: Mar 14 2012, 10:19 PM
Card PM	Report Top Like Quote Reply

benl40	Mar 15 2012, 06:26 AM Return to original view \| Post #3
On my way Junior Member 519 posts Joined: Mar 2005	QUOTE(Gen-X @ Mar 15 2012, 12:23 AM) Bro, my bad, I just reread and realised it was my mistake and confused myself As Human Nature mentioned, nowadays it seems it comes with MC by default; but you can always specify you want Visa. As for diff between Plat, besides what Human Nature mentioned, if you play golf, the Plat offers free green fee at selected golf clubs. Goto Maybankard Centre at 1U or KLCC and you can get the card in 2 hours or so. Of course you need to bring along the relevant docs. Please follow template in 1st post. You may also want to check out Thread below http://forum.lowyat.net/topic/1845691 Thanks for the info, so there would be no other charges when I apply for platinum right? How much is the minimum credit limit for MBB Platinum card?
Card PM	Report Top Like Quote Reply

benl40	May 29 2012, 06:37 PM Return to original view \| Post #4
On my way Junior Member 519 posts Joined: Mar 2005	QUOTE(bearbear @ May 29 2012, 05:41 PM) ya ocbc is strict, i tried twice with annual income of +-40k still failed. Best part they nvr disclose why End up with Maybank2 card, apply - approved and got my card within 2 hours I find that Maybank2card is harder for approval compared to OCBC, or is it just me? I tried to apply for Maybank2card 3 times, all rejected, but my OCBC was approved on first try.
Card PM	Report Top Like Quote Reply

benl40	May 30 2012, 05:02 AM Return to original view \| Post #5
On my way Junior Member 519 posts Joined: Mar 2005	Yeap. Mine is ocbc titanium master.
Card PM	Report Top Like Quote Reply

« Next Oldest · Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards · Next Newest »

Topic ClosedOptions

Change to:

0.0192sec

0.28

7 queries

GZIP Disabled
Time is now: 5th December 2025 - 10:21 PM

All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)

Removal Request

Powered by Invision Power Board © 2025 IPS, Inc.