Thanks for the advice man. Been struggling a lot~~

i just found out today that 5% cash back only available when you spend minimum of RM1000. 

yup.. maybankard 2 cards is what i meant. Have to spend min amount of RM1k only eligible for 5% cash back.  That's what the financial executive of the bank told me. I can give you her number if you want clearer info.

Haha... serious? Then is either my understanding problem or her explaination problem. Anyway, thanks alot for the explaination^^

As for petrol, please go to petrol thread by clicking here and read posts above e.g. post#222 and #157

Best if your salary near RM30K, go apply for Maybankard 2 Gold Cards where the Amex card gives you 5% for petrol except that it is generally not excepted at Petronas.

i would like to know which card is the best bang for buck now. thanks
1. Annual Income: RM38K above
2. Free Lifetime Annual Fee: A Must
3. Card required for: Cash Back/Rebate, online transaction
4. Existing credit cards if any: Nil
5. Preferred Bank or Considering CC from banks: Any
6. Others: low interest rate, good customer services
7. Estimated Spending per month with the card: Any

1. Annual Income: 26,400

2. Free Lifetime Annual Fee: Must LOL

3. Card required for: Petrol, online & shopping use, cash back rebate

4. Existing credit cards if any: none

5. Looking at CC from: anyone

6. Others: none

* Been try applied MBB before but rejected cuz not much bank transactions. I got my salary by cash every month. So please advice what cc should i apply. Thanks.

Which credit card company should i apply for your opinion?
Should I still try for MBB? 

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Added on April 21, 2011, 10:27 am

So far i tried only MBB. I heard that EON will be more easier
Any comment?

so during applying i need to have to open an account with Maybank?
My primary bank is CIMB and it would be a little troublesome to transfer money from CIMB to maybank for payment.

1. Annual Income: RM24k - RM30k anually

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol, Cash Back/Rebate Only, AirMiles, Acceptable to all malls and restaurants.

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Anything

6. Estimated Spending per month with the card: 1k - 5k quarterly.

Please advise, thank you in advance

Maybankard 2 Cards (click here to read my article on it) and OCBC Titanium (at my blog, go to the right column and click on OCBC), best for you.

try Maybankard 2 Cards first as OCBC TMB annual income RM36K. You can get a TnGo card and link/auto debit to any Visa or MasterCard account.

true, but like I said try and if can get best loh. And in moyang's case, he mentioned he got CIMB card more than a year in CIMB thread (but here he did not mentioned??), so maybe MBB can consider his CCRIS records for his application. And we know MBB wants 500K new Maybankard 2 card holders 

click here to read my article Maybank targets 500,000 new Customers with Maybankard 2 Cards

i got gold on 13th april 2011, applied using gold citibank and silver public bank visa

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Added on April 25, 2011, 7:14 pm
i got gold on 13th april 2011, applied using gold citibank and silver public bank visa

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must 

3. Card required for: Petrol, Shopping, Mini Home Business(planning like sell stuff through lowyat)

4. Existing credit cards if any: Nil. TOtally newbie, just graduated.

5. Preferred Bank or Considering CC from banks: Maybank / CIMB (have 2 accounts currently, easier to pay the debts through online, rite?)

6. Others: Looking for a Card for emergency use when going to pay the bill in restaurant w/o enough cash, points to redeem IT gadgets,

7. Estimated Spending per month with the card: Less than RM1K or RM1K-5K (perhaps)

I'm totally New to Credit Card, but im thinking on enjoy the freedom while having the benefits? ( is there such thing?)

Thanks a lot for help!

Ok i just registered through the official website. Waiting for them to contact me. Thanks for your help Gen-X 

2 cards actually need to pay d govt imposed tax 100 bucks. i read their conditions ad.

Do we need to pay upon registration? Annual fee means if April 2011 is until April 2012 or Dec 2011?

The goverment tax RM50?

hi buddies..i need ur help here..im just got my maybank 2 card - visa n amex..dis is my first time using credit card..so ia have a few questions here..hope you all could help

1) if i buy something..how many interest it will charge?
2) normally, i need to pay the payment once statement been send to me right?so how long i need to settle the payment?can "bayar sikit2 ke"?is the interest will rise if im doing so?