I glanced few times to double checked if it was really fruitie that posted here

I think you should get the OCBC Ti. Probably the best card to go with M2C. It does not really have attractive installment plans but for you have Maybank for that.

Before getting the Ti, I used to wait till the weekend to swipe everything. I even pumped RM 5 before on a Friday just to bring me home and pump full tank on a Saturday. (tallking about kiasuness ) But since I gotten the Ti, I alternate those cards between weekdays and weekends and I think it is working quite well so far.

For groceries and petrol get OCBC Titanium MasterCard. Get 5% cash back for Dining and Telco bills too.

For installment plans, your MBB Visa should be adequate since the list of merchants offering 0% with MBB cards is pretty long.

better cash rebate - OCBC TItanium
higher CL - UOB one card

i got both cards. I recommend u to get OCBC titanium. UOB one card is good for BHP petrol, GSC and sushi king.

For up to RM1K, definitely OCBC Titanium MasterCard if for Petrol (except BHP), Groceries, Dining and Utility Bills.  Credit limit > 5K useless with this card.

Recommend you read my articles:

Earn Pocket Money with Credit Cards. In this article I have scenarios on what card gives better returns for different spending pattern.

REvamp UOB One Card - It's A Pure Cash Back Card. There's a comparison table of different cash back cards for easy reference.

OCBC is difficult to get especially new comer. annual fee is waived for 5 years for UOB one card

got free annual and gst? my income can get m2 amex ?

maybe ocbc really target cust for 36k range.

if earned twice, trice, then go to other card type or other bank lah.

so they wont get clean (no outstanding) cust. more profit

Actually for his case, any card also will do since his company will reimburse him BUT if he was to consider Personal Gain, his MBB 2 AMEX is good with minimum 5X TP and if he wants to pay less upfront, he already got the best card i.e. MBB 2 MC.

Go change your glasses or have your eyes removed. No Bsn branches? You live in which jungle?

the annual income is based on basic salary per months x 12 months? or is it include allowance, overtime claims, etc?

1. Annual Income:

2. Free Lifetime Annual Fee: Must.

3. Card required for: Cash back/rebate, points redemption, buying large ticket items, option for 24/36 months interest free payment (not critical)

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: Maybank, Public bank

6. Others: Interested to get a CC to pay for large ticket items without needing to bring cash along. Good for cashback, points when paying for gadgets.

7. Estimated Spending per month with the card: Typically per month <500, when need to buy gadgets then whatever it costs, but typically <3k. Maybe twice a year only.

wanna ask.. the annual income is da basic salary?? or plus allowance?? my basic is rm2300 n my allowance is fixed rm250 per month.. n i can claim unlimited for petrol since i'll alwys go to site.. so every month my salary will be around rm2700+-.. so wats my annual income??

General platinum CC requirement needs annual gross income of RM 60k.

Entry level of platinum CC requires annual gross income of RM 48k such UOB ONE Platinum and Citibank Cash Back Platinum.

What is the income require for OCBC Titanium. If you're big spender, UOB ONE Platinum cash rebate is not capped (I believe so). OCBC Titanium has a monthly cap of RM 50.

Correct me if I'm wrong as I didn't find such clause at UOB ONE website.

CIMB is the most lenient so far that I encountered.

I tried HSBC, CIMB DA, MBB, UOB, Citibank and OCBC.