For income RM30K, go apply UOB One Card. Go check out UOB Thread. You can also get MBB 2 Cards Amex and MasterCard where you do get 5% cash back on weekends.

OMG! Not this kind of new thread/post again. Anyway, i'll merge it to the existing thread. Just to be fair.

Gosh, i think they are back!

I thought this topic was pinned? why it is unpinned?

hahaha. That's true too. But I think it will make our life easier, we just type Please Read First Post.

1. Annual Income: RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access, installment plan

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: Anybank

6. Others: nil

7. Estimated Spending per month with the card: RM1K to RM4K

What is the difference between VISA and Mastercard?

The Maybank 2 cards come with....
1. AMEX and Mastercard
or
2. AMEX and visa??

we can choose or they would pick 1 for us?

1. Annual Income: RM30K to RM36K.

2. Free Lifetime Annual Fee: Preferably.

3. Card required for: I'm a frequent traveler so my priority is to benefit the most in terms of AirMiles. Apart from that, the card is also for Petrol, Cash Back/Rebate and Overseas Transactions.

4. Existing credit cards if any: None.

5. Preferred Bank or Considering CC from banks: None.

6. Others: Preferably credit cards which can be managed via online banking.

7. Estimated Spending per month with the card: RM1K to RM5K.
Additional:

When talking about travel benefits, I know there are two types of card which may be relevant.

1. Airline flexible cards (which earns you reward points each time you spend that are convertible to AirMiles).

2. Airline specific card like AirAsia Citibank card (which earns you AirAsia points each time you spend). I don't know of any other Airline specific card that is relevant to Malaysians traveling from Malaysia though.

If it is possible, please advice on both Airline flexible cards and Airline specific cards (which one would be better for the above needs). Thanks.

Hi Snigapoe,

I am well aware of that, I think I should point out to you the spending 'range' that TS stated in his first post (Less than RM1K or RM1K to RM5K or RM10K and above). The range was stated in such a way 'RM1k to RM5k' so to avoid hassle, I was just simply quoting it, got it? I won't be spending RM5k per month obviously, I may be new to credit card but I still know how to manage

1. Annual Income: RM20k - 30k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Petrol, Cash Back/Rebate Only, Hotel, Online purchase

4. Existing credit cards if any: None

5. Preferred Bank or Considering CC from banks: None

6. Estimated Spending per month with the card: Less than RM1K
Thanks for the help!

1. Annual Income: RM30k -RM36k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Installments & Most importantly Cash Out

4. Existing credit cards if any: Maybank 2 Cards

5. Preferred Bank or Considering CC from banks: None

6. Estimated Spending per month with the card: Around 1k-2k

You overspending. Salary RM36K, spending up to RM24K p.a. Credit Cards are not for you because with the high interest charges, the balance money you have in hand that is not spent will just go towards paying interest with the cash advance you will do. I am serious.
what happened to your standard advise not to spend beyond your means 

@Gen-X erm what i mean is Im currently earning income less than 24k, is it possible to get a credit card? Im now 22years old.

I'm looking for a card with high reward points.

1. Annual Income: 36k
2. Free Lifetime Annual Fee: Must
3. Card required for: other expenses which give only 1% cash-back from my cash-back cards
4. Existing credit cards if any: OCBC Ti MasterCard, UOB One Plat Visa, and ...
5. Preferred Bank or Considering CC from banks: any
6. Others: 5X or more reward points
7. Estimated Spending per month with the card: 1k-5k

Like hye said, OCBC strict, some people having Plat HSBC and MBB also cannot qualify for the card but others like you having less than RM36K were issued the card. If you don't apply, you'll never know. No harm trying.

Heloo again.. my credit card application is not approved due to low score with Bank Negara.. score is below 5 or 6.. what is means?

yup... maybank gold cc..

Thanks for the good info



Alright, assuming I pump RM300/month.
Correct me if I'm wrong:
Card 1: 5% Cash Back (CB)
Card 2: 5X Treat Points (TP)

Since 5% CB is capped@RM50, I will only use Card 1 to pump once during weekend. Even if I pump RM100 during weekend, it should be useless. So instead, I will use Card 2 for its 5X TP which will convert to a 1-2% CB. Couple the 2 cards with ESSO Smiles card.

So if I used Card 1 and pumped RM50 during weekend, I will get RM2.50 discount in the next statement?
And Card 2, how do I redeem the cash back? I can see it in next statement or is it like the J Card, where you gather all the points to get something?
Smiles Card, will just redeem petrol once desired points are reached.
answer
Another thing is I plan to use it as a substitute to cash, so forget the troublesome-ness, if lets say I pump RM100 petrol this week, and next Monday I use Maybank2u and pay RM100 (statement not out yet). Is it alright?
01 Sep 2011 - Statement out (Billed RM 100)
02 Sep 2011 - RM 50 petrol
10 Sep 2011 - What are the difference if I pay RM100 vs RM150? (Assuming if I pay RM150, does that means I don't have to pay 1cent for next month's statement?)
answer - If pay RM100
answer - If pay RM150
One last Question for now. In your topic CC Slave, its true that we are charge killer interest when we are unable to settle the amount by the due date. And every other swipe that comes after will be calculate into daily interest charged until you settle the FULL amount. Lets say I am in that category, I paid short RM100, and the next month I use the card to pay for petrol RM50. So both the RM100 and RM50 will be charged the daily interest until
Paid FULL amount on
(i) the day I swipe RM50 (Pay RM200 and statement not out yet) answer
(ii) the day the statement was out (paid immediately the total amount stated on the statement) answer
(iii) paid extra RM200 just in case of some unseen charges before the due date (if I pay at 20th, do the interest stop as of 20th or will it continue to cumulate until the Due Date? answer

ALRIGHT! I've been an idiot thinking the following:
a) Its either 5X TP or 5% cash back, never both (But seeing your calculations, it means both can happen simultaneously) [5X TP for everyday, additional 5% applicable only during Weekend)
b) RM50 cap (I thought RM50 cap was the limit per month. In other words, I thought only the first RM50 swiped on weekend are applicable for 5% cash back)

Yes, I do admit that I always get spoon fed on things that I don't know . But that is why we have lots of friends, like if I know something more then my friends, I will spoon feed them and try to answer as many question that I can. because they always tend to throw some question that I can't answer, which is a good thing so that I can learn new things as well. 
1) Now, since AMEX is so so so alluring, what are the down side? (As they say, when something looks too good, there is always something hidden at the back.)
2) What is the point of having VISA/MASTERS when I have such a good AMEX card? (From all that I've read, AMEX is the better card, but what am I not seeing?)
Of yeah, let me end this post with a BIG BIG THANK YOU to you guys who patiently taught me all these stuffs.

Oh, ok. Anymore things that I am not seeing on AMEX?

I've checked the thread on places that accepts AMEX, I basically will only use it for petrol (ESSO) and sometime hotel (work). Will still pay most stuff via cash as I feel safer that way . And if I found places that accepts AMEX, will report to that thread. Basically that is a bonus for me (to earn TP and/or cash back).

Oh guys, will be applying my very first CC sometime this week . Since 1Utama can get it done in one hour, what are the things that I need to bring along ?

I've printed my 4months pay slip, and epf statement. Well, any other things that I should bring along? Considering going there around noon .

Do I need to slash out in blue pen for example **Application for Maybank CC date** on my IC, payslip and epf statement?