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

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gerrardling
post Mar 21 2011, 11:30 AM

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amex got their guaranteed cashback promotion also but lots of ppl complained they didnt get the cashback they deserved.
gerrardling
post Mar 21 2011, 04:34 PM

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anyone receive call from HSBC ? they are offering 10x and 5x reward points depending on the merchant.
gerrardling
post Mar 29 2011, 05:20 PM

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QUOTE(hling @ Mar 29 2011, 04:59 PM)
1. Annual Income: RM42K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol(seldom), Cash Back/Rebate Only, treatpoints, shopping

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: just read about alliance Younique. Seems to be quite good. Was considering MBB 2 Gold too. But AMEX is not popular in malaysia, and most of the benifits are only entitired for AMEX (such as cash rebate, 5X treat points, etc) sad.gif

6. Others: Please be specific. Example: I started working half a year. currently still debt free. (PTPTN load statement will coming anytime by now.) =p

7. Estimated Spending per month with the card: Less than RM1K or maybe slightly more than RM1K.

THANKS!!!
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fresh grad 3.5k as starting salary ? u work in oil and gas industry ? anyway, OCBC titanium is ur best choice based on its 5% rebate on petrol, dining and bill
gerrardling
post Oct 3 2011, 08:57 AM

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QUOTE(fruitie @ Oct 3 2011, 08:43 AM)
Guys, to compare between OCBC Ti and UOB One Card, which one offers better cash rebates and higher credit limit? smile.gif
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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.
gerrardling
post Oct 3 2011, 12:01 PM

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QUOTE(fruitie @ Oct 3 2011, 11:51 AM)
Thanks for the input. Yeah, after reading the comparison made by Gen-X, I can say I'm bought for the OCBC Ti.
Perfect card to pair up with my M2GC. biggrin.gif

Not forgetting UOB One Card's Platinum annual fees is so freaking expensive. sweat.gif
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OCBC is difficult to get especially new comer. annual fee is waived for 5 years for UOB one card
gerrardling
post Oct 3 2011, 12:30 PM

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QUOTE(fruitie @ Oct 3 2011, 12:05 PM)
Aww, that hurts. sad.gif No chance if I have other banks' cards with no record in delay payment and always make full payment?

Oh, I didn't know the UOB One Card's annual fee is waived for 5 years, I thought it requires minimum annual swipes.
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for uob one card after 5 years, there is a min amount of swipes required. OCBC is quite strict, no harm for trying, write an appeal letter if they reject you.
gerrardling
post Oct 14 2011, 09:45 AM

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QUOTE(Waachaaa @ Oct 14 2011, 09:16 AM)
Thanks Erry.

I just want to clarify that UOB 1 Card only caps on petrol and groceries.
Meaning i might be able to get rebate of RM150 per month provided i swipe more on other categories.
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u must have following cards
1. MBB 2 AMEX
2. OCBC titanium

Choose either one
1. HLB essential
2. UOB one card

30% from Foods - use AMEX
10%Petrol - Use AMEX, OCBC titanium and UOB one card
8% Telco - use OCBC
10% Gym&Insurance - use OCBC titanium or HLB essential card
42%Others - if shop accept AMEX, use it or else use HLB essential card

if shop accept AMEX and u max the rm50 cash rebate already, just use AMEX. u get 5x treatpoints which is much better than 1% cash rebate

This post has been edited by gerrardling: Oct 14 2011, 09:47 AM
gerrardling
post Oct 24 2011, 10:16 AM

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QUOTE(fruitie @ Oct 24 2011, 12:32 AM)
I thought OCBC Ti requirement is 36k per annum?

They can accept slightly lower? smile.gif

I haven't applied mine, wanted to. laugh.gif I think I will defer my plan till next year. tongue.gif
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one of their agent told me preferably credit card with CL 8k or income more than 4k. Anyway, u still can write an appeal letter and show them ur car loan or housing loam payment record, credit card payment record, bank statement and etc ....
gerrardling
post May 3 2012, 04:00 PM

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QUOTE(Gen-X @ May 3 2012, 03:56 PM)
For Maybankard 2 Cards (AMEX, Visa or MC), you will earn Treats Points for any type of transactions.
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except for cash advance and rm50 GST
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