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

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hellokitty82
post Jun 27 2012, 06:55 PM

Getting Started
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Junior Member
272 posts

Joined: Sep 2006
From: malacca
1. Annual Income: RM60K-RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Dining, Shopping

4. Existing credit cards if any: HSBC

5. Preferred Bank or Considering CC from banks: thinking to get second card to backup . no idea which bank to go. icon_question.gif

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.

7. Estimated Spending per month with the card: RM1k

Please kindly assist which bank shall i go for..thanks! notworthy.gif
hellokitty82
post Jun 28 2012, 08:42 AM

Getting Started
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Junior Member
272 posts

Joined: Sep 2006
From: malacca
QUOTE(Gen-X @ Jun 27 2012, 10:26 PM)
You have 2 choices:

OCBC Titanium MasterCard (click here to read my review).
This card earns you 5% cash back everyday at ALL Petrol stations, groceries, telcos, TNB and dining. For other general transactions such as shopping you will earn 1% cash back. The cash back is capped at RM50/month (i.e. once you hit the cash back RM50, you earn nothing extra). Click here to OCBC Thread to find out places that earns you 5% cash back.

Maybankard 2 Cards (click here to read my review).
You will be issued the AMEX and you have the option to choose between Visa or MasterCard (but it has been reported that nowadays MBB only issue the MasterCard). The Visa or MasterCard do not earn you cash back but 1X Treats Points for all your transactions. The main benefit of the Maybankard 2 Cards is the AMEX card where you earn unlimited 5X Treats Points everyday for any transactions PLUS 5% cash back for any transaction on Saturdays and Sundays which is also capped at RM50/month. So if you can pump petrol and do your groceries on Saturdays and Sundays then this MBB 2 Cards is great. However, please check if your Petrol station accept AMEX and FYI most Petronas don't. Click here to see places that accept the AMEX.

So are you a foreigner? If yes, not sure about OCBC but MBB can consider your application. Go to their website or contact Customer Service for more info.
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thank Gen-X for the recommendation. notworthy.gif

errmm..for point no 6...i forgot to delete. that point is not applicable to me. tongue.gif guess OCBC is more applicable to me? rolleyes.gif

Added on June 28, 2012, 8:44 amoh ya..so most of the credit card also capped the cashback rewards at RM50/month ya?

I guess HSBC more than that. I get RM90 cash back for this month. But you gotta sms to participate the cashback programme la.

This post has been edited by hellokitty82: Jun 28 2012, 08:44 AM
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