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Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)
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cristiano7mu
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 Jan 6 2012, 01:08 AM
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1. Annual Income: RM30K to RM36K (basic only) || RM36K to RM48K (with allowance)
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access and dining/shopping discount (if any).
4. Existing credit cards if any: Supplement card - CIMB visa signature (more than 4 months, previously was platinum about 1 year)
5. Preferred Bank or Considering CC from banks: Any bank
6. Others: Prefer cash back / rebate card
7. Estimated Spending per month with the card: 700 - 1500
This post has been edited by cristiano7mu: Jan 6 2012, 01:08 AM
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cristiano7mu
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Jan 6 2012, 11:05 PM
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QUOTE(Gen-X @ Jan 6 2012, 10:55 AM) For cash rebate cards, please click here to my Page of Cash Back at my blog. Looks like your case you can either go with HLB Essential or OCBC Titanium MasterCard which earns you 1% cash back for general transactions and also earns you about the same with your CIMB Supp card for overseas transactions. As for Airmiles, PLEASE read the 1st post. As for LCCT airport lounge, technically you don't qualify for any cards. Click here to read on cards that grants you free entry to LCCT Plaza PRemium Lounge.o. You can try apply AMEX Kris Flyer, annual income requirement RM48K and you can always try to apply for any of the cards mentioned. read your review on HLB like not so good... between MBB, UOB and OCBC... which 1 provide the most benefits? I want cash back with those rebates at dining. like Citibank if not mistaken. Saw their banner outside of restaurant/cafe. |
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cristiano7mu
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Jan 8 2012, 01:13 AM
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QUOTE(Gen-X @ Jan 7 2012, 09:28 AM) what you mean by benefits? if you meant cash back for dining, MBB 2 AMEX earns you 5% for any transactions of Saturdays and Sundays and OCBC TMC 5% cash back everyday. If you are talking about discount/cash back at selected restaurants, well almost all credit cards got promotions (please not most are limited time offer). So what you should do is go find out if your favorite restaurants have any discount with any credit cards. For example, my RHB gives me 15% cash back at selected restaurants but I don't patronize them, so the RHB card is useless to me. On the other hand, I do get discount with my CIMB cards at my favorite restaurants. My advise is that you go to the bank website and read more on limited time promotions. thanks... will now consider either MBB 2 Amex or OCBC. tough decision haha. |
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