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

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munkeyflo
post May 12 2011, 08:43 PM

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1. Annual Income: RM60K-RM100K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Mainly shopping and dining. And occasionally paying government bills. Interested in the benefits the card can provide (discounts, rebates, etc.)
4. Existing credit cards if any: MBF and Citibank Giant
5. Preferred Bank or Considering CC from banks: Interested in CIMB cause wanna use CIMBClicks sometimes.
6. Others: I don't want Maybank Cards
7. Estimated Spending per month with the card: Less than RM1K

This post has been edited by munkeyflo: May 12 2011, 08:44 PM
munkeyflo
post May 13 2011, 12:30 AM

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QUOTE(Gen-X @ May 12 2011, 10:33 PM)
For discount, that is tough as each card have it own benefits. Here is a list for you girl to read.
1. UOB Lady's Card - good for Coach bags and Hush Puppies shoes..
2. CIMB Card Promotion - Tai Thong group discount and Alexis Cakes smile.gif
3. HSBC - go to HSBC Thread and check out link for HSBC promotions/discounts at selected merchants.

But still, I would recommend OCBC Titanium (can replace your Citi Giant [??]) since it gives you 5% cash back at Giant, Carrefour and Tesco too. Click here to read about OCBC Titanum MasterCard.

And the best part about your post, you don't want MBB but you have MBF card sweat.gif  Besides OCBC, MBB 2 AMEX card the best for spending less than RM1K/month as you only need to spend RM2,000 with MBB 2 AMEX and you'll get 10,000 points to offset GST or got offer Metro Jaya RM50 voucher for only 8000 points.
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Hmm. My MBF card is under AmBank and that is mainly for company expenses so no complains about that cause not really my decision to get it or cancel it. tongue.gif Although I admit, there's almost no benefit from this card.

I mainly shop at Giant cause it's nearest to my house that's why the 8% rebate from Citibank Giant is actually quite attractive to me. Hardly step into Carrefour or Tesco. Will check out the OCBC Titanium though, thanks for your recommendation. smile.gif

Coach bags I can get from my brother in law in US, not into Hush Puppies shoes and I actually canceled my UOB card last year. Lol. But the CIMB Direct Access one looks interesting. Veda also recommended that. I'm also more inclined in getting a CIMB card. Might check that out. Thanks!

This post has been edited by munkeyflo: May 13 2011, 12:31 AM
munkeyflo
post Aug 19 2013, 04:09 PM

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1. Annual Income: ...

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Overseas Transactions, Online Shopping & bill payments, General retail shopping, Dining out, Government Assessments and other bills.

4. Existing credit cards if any: UOB One, MBF, Giant Citi, CIMB Master World

5. Looking at CC from: Maybank 2 Cards

6. Others: Just want some opinions. Looking at using the card to pay bills online via M2U. Also want pay my card using M2U instead of banking in cheques to the other banks, since my main accounts are with MBB. Also thinking of cancelling the UOB one card and getting this 2 cards for petrol, rebate and collect points at the same time. Any suggestions on should I get Maybank2 cards or consider OCBC Titanium?
munkeyflo
post Aug 23 2013, 09:12 AM

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QUOTE(fruitie @ Aug 19 2013, 04:47 PM)
Get both. smile.gif
Maybank2Card is basically useful for AmEx only. As it gives 5x treat points 24/7 and 5% rebates only during weekends. The VISA/Master Card is basically not useful most of the time.
So, OCBC Ti is useful to complement the absence of VISA/MasterCard which is widely accepted compared to AmEx.
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Thanks for the suggestion. smile.gif
I'll look into OCBC Ti to see what type of promotions they usually have. The 5% rebate for OCBC Ti is also for all spendings right?

QUOTE(gennee @ Aug 20 2013, 10:30 AM)
Agree with fruitie - main use for AMEX.

if you refuel at petronas, then go for the Maybank Petronas card.

and the 2 cards have a combined credit limit.

i personally think maybank cards are good for their treat points.
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Thanks. I don't fuel at petronas unless really necessary so don't think I'll get the Petronas card.
Not very concern on the combined credit limit either as I have other cards with more than enough credit limit for me if I really need to swipe a large amount.

What do you normally redeem with their treat points? Does Maybank has cash back like CIMB? Since there is an expiry on the points, can't just accumulate without spending. laugh.gif
munkeyflo
post Aug 23 2013, 09:47 AM

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QUOTE(fruitie @ Aug 23 2013, 09:30 AM)
No. 5% only for groceries, utilities bill, petrol and dining.
The rest is 1%.
There's a dedicated thread for OCBC Ti in this section, please check out out.
I'm on mobile now, so it's a bit inconvenient to paste you the link.
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I see. Sure, will look into it. Thanks!
munkeyflo
post Aug 26 2013, 12:12 PM

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QUOTE(gennee @ Aug 26 2013, 10:32 AM)
erm... their stuff for redemption are quite ok. my mom redeemed rice cooker, luggage bag, watches before. i've only redeemed smart tag laugh.gif

the expiry of points is after 3 years. im sure you'll have enough points by them to redeem something smile.gif
*
I see. Thanks thanks! Have already send in application for OCBC Titanium yesterday during PC fair and went to Maybank today to get the forms for Maybank2 Cards. tongue.gif

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