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Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)
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dynames07
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 Oct 9 2012, 10:13 AM
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Getting Started
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1. Annual Income: Rm48k
2. Free Lifetime Annual Fee: MUST
3. Card required for: Petrol and daily needs. Occasional installment plans for houseware. And also Touch n Go.
4. Existing credit cards if any: Nil
5. Preferred Bank or Considering CC from banks: Not considering anything.
6. Others: Cash back preferred, pay with M2U online transfer from savings.
7. Fixed expenses per month with the card: Insurance rm200 (2 person), petrol (rm300), TnG (rm150), houseware installment
8. Non-fixed expenses but recurring in RM: nil
Have no experience with credit card yet >.< not looking to spend on anything else except houseware installment, petrol and TnG. seldom buy online.
TQ!
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dynames07
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Oct 9 2012, 11:13 AM
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Getting Started
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QUOTE(Gen-X @ Oct 9 2012, 10:19 AM) What is houseware? I think for your case OCBC Titanium MasterCard is good for you because it earns you 5% cash back for Petrol, TNB, Telekom, Astro, Syabas Bills and Dining & Groceries too. However, if these amount add up to RM1K, you will need another card as the monthly cash back is capped at RM50. So the next card to consider is Maybankard 2 Cards where the AMEX earns you 5X Treat Points and 5% cash back on weekends. If you household expenses add up to more than RM1K, you should get both OCBC TMC and MBB 2 Cards and with proper planning you can earn back more than RM600 a year. houseware is like buying a unit of aircond and pay it in 6 months etc. not buying yet but plan to use the credit card for that purpose. with regard to MBB 2 cards, when i signed up for it, i will receive 2 cards? so confusing haha and why do i need the 2 cards offered by the MBB 2 cards? |
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dynames07
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Oct 9 2012, 12:10 PM
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Getting Started
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QUOTE(Human Nature @ Oct 9 2012, 11:18 AM) Yes, the MBB2 card is something like a package. You get 2 cards, Amex + Visa or Amex + Mastercard. Only need to pay RM50 GST once for this package. Find out more from the Maybank 2 cards thread. thank you for the details  |
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