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

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fadzly
post Jul 26 2011, 04:22 AM

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1. Annual Income: RM 40k
2. Free Lifetime Annual Fee: optional
3. Card required for: petrol, shopping, Easy payment scheme 0% interest
4. Existing credit cards if any: CIMB petronas and VISA T&G
5. Preferred Bank or Considering CC from banks: Any
6. Others: i could see my CIMB had < 0% interest EPP for many big store such as Senheng etc2 and even Maxis not supporting it.
7. Estimated Spending per month with the card: RM 0~1K/month

fadzly
post Sep 18 2012, 10:31 PM

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Hi there. Would like to ask wheter maybank or uob or othet card suit me
1. Annual Income: RM48 to RM60K

2. Free Lifetime Annual Fee: A Must or can redeem by bonus points

3. Card required for: List all your needs. Petrol, Cash Back/Rebate Only on maxis telecomunication, petrol Golf, shopping at Jusco and EPP 0%, touch and go embeded with autoreload like the cimb visa

4. Existing credit cards if any: CIMB gold card visa and mastercard

5. Preferred Bank or Considering CC from banks:
MB
UOB
Any other bank

6. Others: Please be specific. Example: cash back + points like cimb. Can use points and changed to voucher. Rm1 =200 points.

7. Fixed expenses per month with the card:
1)petrol rm250-400
2)maxis postpaid + home fibre rm500
3)groceries rm 1000
4)touch and go rm300-400

8. Non-fixed expenses but recurring in RM: RM3K for new gadget every 6 months with installment

The only problem with CIMB is there is no extensive choice for EPP. I want to change it before paying gov tax on november and after my iphone instalment plan finish this october. Trying to change it before the next iphone 5 come to our country. Maxis at JB dont accept cimb for EPP eventhough they stated at website cimb available for epp

Tq in advanced for helping me



fadzly
post Sep 18 2012, 11:15 PM

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QUOTE(Gen-X @ Sep 18 2012, 10:50 PM)
For your case,

1st card to get is OCBC Titanium MasterCard where you can earn 5% cash back (capped at RM50/month) for your Maxis bill. Still got balance RM500 for Petrol, Dining and TNB. So one year can earn up to RM600 cash back. Spend RM10K in a year, and you get extra RM50 bonus to offset GST.

2nd Card to get Maybankard 2 Cards where the AMEX earns you 5X Treats Points everyday PLUS 5% cash back on Saturdays Sundays. So if you do your groceries on Saturday or Sunday, you can earn 5000 TP and RM50 cash back. So 1 year you can earn 60,000 TP (RM300 cash voucher) and RM600 in cash back.

Many merchants accept Maybankard Visa or MasterCard including the AMEX too for installment plans. Click here to my artilce on Maybank 5X Treats Points with Ezy Pay. And from there, you will see a link to the participating merchants list. One thing good is that MBB card do offer 6 months installment plans.

Above combination, you can earn up to RM1500 in returns a year  drool.gif

As for UOB, well, if you can qualify for their Platinum credit card, it does offer some golf privilege. For Maybankard 2 Platinum, it also offer golf privilege. Go to the bank website for Golf Clubs offering complimentary green fees and see if it benefits you.

As for TnG, check out this thread. Or just keep your CIMB card for convenience sake. I know last time we can sign up for autoreload with any credit card, not sure if that is still possible.
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Wow. Thanks for the fast reply!
TnG is applicable to MB through zing card though. But CIMB visa gold card is special. There is no fee for autoreload compared to zing card which charging rm2.00 for every rm100. Sigh.... Guess i have to keep this 2 cards and pay the gov tax.
Can i have 4 cards based on my salary now?

fadzly
post Sep 19 2012, 12:21 AM

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QUOTE(Gen-X @ Sep 18 2012, 11:36 PM)
In accordance to Bank Negara Malaysia guidelines, if your annual income is more than RM36K, you can have as many credit cards from as many card issuer you wish and join me in collecting credit cards, hahaha.
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I never thought of it. Tq bro. I will defenitely have all the cards if there is no fee, anual fee hassle fee, tax etc2


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