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Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)
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cindygirl8888
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 Aug 29 2012, 04:07 PM
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New Member
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hi. I'm currently using std chartered biz plat with high credit limit. I also have citibank clear card and hong leong gold card. I been using std chartered biz plat for paying most of the bill except syabas, and tnb bcoz cannot pay using this card. balance payment i will use citibank,hong leong is special card for all my insurance auto payment. I would like to get advice that is there any card better than std chartered card biz plat? i do spend oversea yearly. as i rough calculate the cash rebate so far pe rmonth usig std chartered should be around 50-90 depends. thanks for all the help
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cindygirl8888
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Aug 30 2012, 08:56 AM
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New Member
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Sorry, update details
1. Annual Income: nil
2. Free Lifetime Annual Fee: not a must .
3. Card required for: Cash Back/Rebate Only, Overseas Transactions, insurance..,avoid bring too much cash
4. Existing credit cards if any: std chartered biz platinum, hong leong gold, citibank clear
5. Preferred Bank or Considering CC from banks: List the Banks or List the card(s).
6. Others: prefer cash back only and reward points.
7. Fixed expenses per month with the card: Example RM 200 oversea expenses online, RM200 groceries, RM100 Dining, RM1200 mobile Telco, RM 2000 TM, RM200 Insurance and tnb RM2000, syabas RM 400.
8. Non-fixed expenses but recurring in RM: Example, up to RM5K for flight ticket every 3-6months, RM5K for new gadget every 6 months, RM10K etc.
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cindygirl8888
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Dec 12 2012, 10:00 AM
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New Member
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1. Annual Income: RM 36k
2. Free Lifetime Annual Fee: prefer
3. Card required for: shopping, dining, online shopping,online bill paymenteg.tnb,syabas,tm,unifi,maxis,astro, air ticket & hotel)
4. Existing credit cards if any: stanchard business platinum(want to cancel due to no more rebate and increase in points redemption), MBB 2card-supplement card, hong leong gold, citibank clear.
5. Preferred Bank or Considering CC from banks: Any
6. Estimated Spending per month with the card: min 5000,max 20,000
Remark: No need to consider late payment interest rate,pay full everymonth
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cindygirl8888
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Dec 13 2012, 08:19 AM
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New Member
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QUOTE(Gen-X @ Dec 12 2012, 01:49 PM) Bro, she spending up to RM20K per month, I think she needs more than just OCBC Titanium MasterCard. But then again with annual income of RM36K, besides the OCBC and MBB 2 Cards, the only card I can think that may benefit her is the HLB Essential with 1% unlimited cash back. thank for the suggestion. But i would like to ask if the annual is 48k(put in some sie income statement), will i have more choice than hLB essential? Any special condition for the 1% unlimited cash back? my spending will be paying utilities bill online (tnb, astro,syabas,telco,tm & etc) thanks in advance |
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cindygirl8888
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Dec 13 2012, 12:18 PM
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New Member
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QUOTE(Gen-X @ Dec 13 2012, 11:41 AM) For Astro (Just call them) and Telcos (walk in and register for autobilling for DiGi, Maxis and Celcom), they do accept AMEX so your MBB 2 AMEX with 5X TP when redeeming for cash vouchers should be better than HLB Essential 1% cash back. For TNB, you can use your MBB 2 AMEX via Express Autopay but they limit it to RM3K per month only. If your Syabas bill is not much, i.e. less than RM1K, OCBC Titanium MasterCard is good with 5% cash back. Also click on below link to learn how you can pay bills using your AMEX card with M2U: Maybankard 2 AMEX for Paying Bills Online with M2U and for TNB with Express Autopay. You can use your MBB 2 AMEX to pay for Telelkom and Unifi bills  Hi gen x, Cannot use express autopay because is paying the office bill, which is not prefer. any idea for any other card? |
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cindygirl8888
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Dec 13 2012, 05:31 PM
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New Member
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Mai I ask is HLB essential better or citibank cash back better?
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