1. Annual Income: RM36K above

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol (Caltex), shopping, dining, Overseas Transactions

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Citibank, HSBC, OCBC,Publicbank.

6. Others: no

Any suggestion? Thanks

[quote=Gen-X,Mar 24 2011, 10:29 AM]
You did not specify how much you spending per month (please refer template). If less than RM1K for the items highlighted in Card Required For, then OCBC Titanium MasterCard. Click here to read about OCBC Titanium MasterCard.

For overseas spending and if you do spend more than RM1K/month, go for Maybank cards and would recommend to you Maybankard 2 Card where the Visa or MasterCard do give you the lowest conversion rate for overseas. Click below link to read more on Maybankard 2 Cards.
http://creditcardsmalaysia.blogspot.com/20...an-express.html

Click here to read about overseas transactions.

As for shopping at the malls, maybe Citibank and HSBC is better as they have offers discount at some outlets. Go check their website and see if the places you do shop gets you any discount with HSBC or Citi cards. Having said that, also depends where you shop, if you shop at JJ, TESCO, Parkson, Tangs, Robinson, Isetan and outlets at Garden and KLCC then Maybankard 2 Card American Express is good as it gives you 5x Treats Points plus 5% cash back on weekends.




less than 1K.. most important is pertrol and dining. How about Standard chartered Bank? any good card? Thanks

Thanks Gen-X for sharing.. appreciate it....