If others are stating what you are asking for is impossible to meet then please accept the honest comment.
You may call every bank in town (both local and foreign) to check whether we are pulling your leg on your cc requirement vs. your eligibility based on your income.

To be more precise, no other cards offer points + rebate except MBB2 AMEX!
Readers here should manage their expectations better, hope that will happen if they read more of our contributors post. (esp Gen-X posts)

Just to add ... for analysis and informative purposes.
Should anyone is thinking to redeem AirMiles (e.g Enrich), the lowest/cheapest return ticket to Singapore is 15,000.
Conversion to AirMiles depends on the respective bank (e.g MBB 7000 TP -> 1000 Enrich)

(Assuming that I use MBB as my card) Means you need to spend RM105K (105/7=15) before you are able to get that flight ticket to Singapore.
If anyone is thinking to spend RM1K per month, you need to spend consistently RM1K per month for the nearly 9 years before earning that ticket.

Please note that Airline Miles redemption, you are still viable for the Airport Tax and Surcharges. Points multipliers (e.g. MBB2 AMEX) may speed up your points collection.

Good luck!

This post has been edited by hye: Apr 23 2011, 05:34 PM

If you guys wants it to be Pin back then I can do so, no issues. When I came in it was unpinned so could be accidental or done for a purpose.

This thread helps to prevent "Best card" questions.

Let me know guys.

OCBC is well known to be strict on their approval criteria.

Noticed a couple of recent post did not follow the given guidelines / templates.

The contributors here spend a lot of efforts to contribute to this thread and not to mention spending a lot of brain power to put things together in order. At least appreciate them by spending time to follow the given template.

Urgent / quick request will be urgently/quickly deleted (for whatsoever reason the writer gave) as they don't respect the contributors and readers here.



This post has been edited by hye: Aug 23 2011, 01:20 PM

The AMEX MBB2 provides 5x points per every RM1 and the conversion to Enrich is 7000 = 1000 Enrich. Plus there's the cash back feature on weekends.
(Points ratio corrected)

This post has been edited by hye: Oct 27 2011, 10:05 PM

Ahh .. never mind. We are all here to share what we know best and I believe each have our own specialities. Aiyah ... I'm not the specialist in Airmiles.
MBB2 Amex (IMHO) is best for local purchases should the shop accept AMEX and I agree it beats other cards by miles ahead. Most banks will offer 1x or sometimes 2x for local spendings and conversion varies from 5000-7000 points just to earn 1000 Enrich points.

I don't fancy PremierMiles by Citibank as it rather confusing to calculate the conversion and once you figure it out ... the conversion is very bad. I already feedback this to Citibank via their CS when I cancelled my card several months back. CS also dunno what to say to their defense when I pointed out the PM reward system vs. MBB WMC (MBB VI not yet exist back then).

An overview of the Top 3 in my opinion (Airline miles collection category),

1. The best is currently the MBB VI 4500 points = 1000 Enrich. Local spending RM1 = 2 points, overseas RM1 = 5 points
2. MBB WMC 5000 points = 1000 Enrich. Local spending RM1 = 1 point, overseas RM1 = 5 points
3. SCB VI (on your birthday month) 6000 points = 1000 Enrich. Overseas RM1 = 10 points.

There's variations on how the bank rewards you for local and overseas spendings and of course there's the card eligibility requirements that one need to consider. I'm just stating the above as an overview but readers need to view the specific eligibility requirements and of course the AF imposed on these cards. Those who are seeking auto AF fee waivers should stay clear on the cards above - they can be (possibly) waived but the bank expects you to spend ... lots of of it or have lots of cash deposited with them.

Oh yes .... no issue to convert the points but to note to give about 2 weeks just in case. So don't go and convert the points if you intend to fly within the next couple of days ... the Enrich points may not appear in time.

I know I'm slightly off topic ... apologies. Since there's an opportunity to mention this ... just taking advantage.

This post has been edited by hye: Oct 26 2011, 08:19 PM

As our senior said, a better card is limited by your income. Apologies if it sounds offensive but we're just being straight forward and no bias here.
Cannot recommend anything else already and if you don't believe ... ask all the seniors here ... they'll agree with erry and me.

We all need to start somewhere ... even myself had a RM3k CL before.

For this point onwards, please use the template when asking for credit card recommendations. It is created for a reason and readers please note that you are asking for free help, so there's no excuse in whatever form for the benefit of personal convenience and gain. If want to have a discussion there's plenty of card specific thread and there is even the CC General thread

Anyone post breaking this rules will have their post automatically deleted. No exceptions in any cases allowed. I have noticed too many breaking this rule and too often.

This post has been edited by hye: Nov 17 2011, 07:34 AM

Folks ... I have mentioned this before.

Card recommendation requests need to follow format as illustrated in the 1st post. Requests which are non-compliant will deleted instantly.

Sorry ... but I have mentioned this before and there has been too many request of such non-compliant nature.

This thread is to seek recommendations for credit cards. Want to compare cards then go to the specific threads. TQ.

I reiterate ... unrelated / posts not following format will be deleted immediately.

Please use the template ... answer them and then only you'll get your answer. If you ask like what you did, you will be ignored and this rule is outlined in the MOD notes for this forum. Did you even bother to read ?

MOD Notes for Finance Section

This post has been edited by hye: Jan 25 2012, 09:40 PM

Often a selection of credit card to use would be based on what sort of cards would benefit you most / personal spending pattern.
Everybody have their preferences, likes and etc. And not forgetting you can't hold too many cards in your income braket thus the selection would need to be thought out wisely.

While your decision/preference is convenient for you but would it benefit you best? Give it some thought.
If you are happy then it is fine.

@radiokilla

Please be disciplined enough to use the template as we have informed everyone. No exceptions nor special treatment to anyone as this is a complimentary service.

With salary slips banks can check - the EPF (whether it is paid to in approportion to your salary), Tax deduction, salary deposit with the respective bank.
Does an offer letter contains all these information ?

Offer letter does not prove that you have the income. You may have an offer letter which offers you a salary of RM50k (or whatever number) per month but do you have the income until is is paid to your bank account ? - NO

I would like to reiterate for everyone to use the template to enjoy the complimentary help here. If you do not use the template then sorry as there will be no special treatment or waiver to rules mentioned in whatsoever case.

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Added on March 22, 2012, 11:16 amGenerally banks will not recognize the 2-3K commission to be a fixed income and that is not guarantee to recur on a fixed monthly basis.
So it is likely that only RM2.1K is recognized as the firm recurring income and this would explain the application rejection.

This post has been edited by hye: Mar 22 2012, 11:16 AM

As bro Titan_Gunners mentioned, commission is not calculated as fixed income. There is no such thing as 80%, 50%, 90% or whatever percentage and to say 80% of the commission or 3 month commission statement is calculated is very misleading.

This post has been edited by hye: Mar 31 2012, 11:06 AM

This arise from the old thinking that shops has the right to surcharge consumers when they use Mastercard, VISA or AMEX.
I kept on saying that such actions are illegal and outlawed by Mastercard / VISA and AMEX and merchants who are caught with proof - banks / Mastercard/ VISA & AMEX can severely penalize them.

It is very simple ... shops that attempts to charge you extra ... boycott them and report them to the banks.
Never advocate paying the extra.