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 Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)

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electrostacko
post Sep 18 2012, 02:32 PM

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Dear all,

I want to apply for credit card but dont know which to take. Hope you can enlighten me in choosing the best card for me.

1. Annual Income: RM30k-RM36k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol,Groceries
4. Existing credit cards if any: Nil.
5. Preferred Bank or Considering CC from banks: Giant Citibank Credit Card
6. Fixed expenses per month with the card: Example RM900 - RM200 petrol, RM300 groceries, RM100 Dining, RM100 Telco, RM50 movies, others RM150.

Thanks for your help
electrostacko
post Sep 18 2012, 05:08 PM

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QUOTE(Titan_Gunners @ Sep 18 2012, 03:22 PM)
Ocbc Titanium will be the best choice.
Since petrol, groceries, dining and telco bills will having 5% cashback. You will get Rm35 cashback each month for your expenses breakdown.
Other transaction will get 1% cashback only.
QUOTE(Gen-X @ Sep 18 2012, 03:37 PM)
Agree that OCBC is the best since expenses just below the RM1K mark for expenses that can relly earn 5% cash back everyday.

So electrostacko, if your income is close to RM36K/year, try apply the OCBC TMC. But don't be disappointed if your application is rejected as they kind od strict.

The good news is you qualify for Maybankard 2 Cards where you can earn 5X TP everyday and 5% cash back every Saturday and Sunday. So if you can pump at petrol station that accept AMEX (e.g. Shell and Esso) and do your groceries on Saturdays and Sundays, you will be earning more compared to the OCBC TMC.
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Will study more and consider between these 2 cards.

Thanks for your feedbacks.
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