Hi and a very good day, after reading through some pages (mati la if read all... LOL) and some other pages from GenX variation of super long posts in the vast number of websites (why do you need to make so many website? hahaha.. but luckily most of them redirects to the same thing), i concluded that the best card would be

Maybank 2 gold card (not eligible for platinum) and
ocbc titanium

but still would like to ask for advice as i might mistaken or misunderstood some stuff while reading... so, here it goes


1. Annual Income: RM40K to RM50K

2. Free Lifetime Annual Fee: lower than RM300 (the lower the better, free is best!!!)

3. Card required for: most probably groceries, bil payments and also movie tickets. owh probably will get my own health insurance soon, so, that as well.

4. Existing credit cards if any: Nil

5. Preferred Bank or Considering CC from banks: I dont quite actually know this

6. Others: I only have 1 bank account with CIMB currently but dont mind opening other bank accounts

7. Fixed expenses per month with the card: Never tried using a CC before and i dont normally keep track, after this will keep track i guess (not so good habit thus far)

Hope all sifus and pros in here can help... cheers all

This post has been edited by playerzaki2000: Nov 17 2012, 11:23 PM