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

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shuangping
post Aug 23 2012, 01:20 PM

Getting Started
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Junior Member
201 posts

Joined: Aug 2012
1. Annual Income: RM36K to RM48K

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Cash Back/Rebate Only, Overseas Transactions,Installment Plans, Airport Lounge etc

4. Existing credit cards if any: UOB ONE CARD AND MACH HLB

5. Preferred Bank or Considering CC from banks: OCBC AND DINERS CLUB

6. Others: i ALREADY REJECTED BY MAYBANK MANY TIMES,DOWAN IT ANYMORE

7. Fixed expenses per month with the card: RM300 petrol, RM350 groceries, RM150 Dining, RM100 Telco,and others RM250.

8. Non-fixed expenses but recurring in RM: up to RM5K for frequent overseas trips

This post has been edited by shuangping: Aug 23 2012, 01:29 PM
shuangping
post Aug 23 2012, 07:32 PM

Getting Started
**
Junior Member
201 posts

Joined: Aug 2012
QUOTE(Gen-X @ Aug 23 2012, 01:42 PM)
For you fixed expenses (petrol can exclude since you got UOB One Card), get OCBC Titanium MasterCard and earn 5% for your Groceries, Dining and Telco (RM600 x 5% = RM30/month cash back)

Too bad, you do not want MBB cards because their overseas conversion rate the lowest. So I guess not much diff what card then for your overseas transactions with only RM5K spending. Aassuming other banks's credit card charge extra 1% over MBB's rate, that's only RM50 diff or equal to RM50GST  tongue.gif  Also MBB cards good for installment plans.

As for Airport Lounge, besides Diners which you mentioned, look into AEON Gold credit card.

Out of curiosity, why you sign up for Mach?
*
Thanks for reply.

Actually i'm like MBB DUAL CARD,but i apply so many times,write so many appeal letter oso rejected by them.

Now i'm waiting for OCBC Titanium status.

Diners point will not expiry rite?But AEON point will be expiry.What difference of this two card?

I apply for MACH card is focus on dining and movie.Izit this card not good?

Can gv me some information,if i go oversea,which card is good?For conversion rate.

And how about RHB card?Look like no much promotion.And if we didnt activate the card,izit we need pay for gst also?

Thanks again.

This post has been edited by shuangping: Aug 23 2012, 07:34 PM
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