1. Annual Income: 33K

2. Free Lifetime Annual Fee: A Must

3. Card required for: a)Pump petrol at petronas b) streamyx, maxis bill c) Cash Back/Rebate d)EPP e) spend at carrefour, mydin, jusco for household item monthly around RM300.

4. Existing credit cards if any: Maybank Petronas Gold

5. Preferred Bank or Considering CC from banks: Any banks. (Have try CIMB but rejected because I just started a part time business and still don't have recorded income statement. My salary have been maxed out for car and house loan.)

6. Others: Actually I want to apply 2nd card for my part time business. I need to have the card which can 0% EPP and must can be convert
to flexi payment of 12, 24months with the lowest one time charge fee....The current MB card that I have is charge 9% p.a which is ridiculous... I try to limit the MB card for personal use and the next card only for business purpose.

7. Estimated Spending per month with the card: depends on the business, sometimes up to 3k

Please advice.

This post has been edited by budak nakal: Oct 28 2011, 11:17 AM

1. Annual Income: 48K

2. Free Lifetime Annual Fee: A Must

3. Card required for: a)Pump petrol at petronas b) streamyx, maxis bill c) Cash Back/Rebate d)EPP e) spend at carrefour, mydin, jusco for household item monthly around RM300.

4. Existing credit cards if any: Maybank Petronas Gold

5. Preferred Bank or Considering CC from banks: Any banks. (I just started a part time business and still don't have recorded income statement. )

6. Others: Actually I want to apply 2nd card for my part time business. I need to have the card which can 0% EPP and must can be convert
to flexi payment of 12, 24months with the lowest one time charge fee....The current MB card that I have is charge 9% p.a which is ridiculous... I try to limit the MB card for personal use and the next card only for business purpose.

7. Estimated Spending per month with the card: depends on the business, sometimes up to 3k

Please advice.

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,