1. Annual Income: 40000
2. Free Lifetime Annual Fee: yes. preferably waive the rm 50
3. Card required for: basic needs, need 1 for buying things, online transection etc
4. Existing credit cards if any: no. only got pb debit card
5. Looking at CC from: sc, citi or hlb preferably
6. Others: nice looking card

hi there,

please advise on my first credit card choice.

1. Annual Income: RM35 to RM40K.

2. Free Lifetime Annual Fee: Must.

3. Card required for: usage on daily item, dining, shopping, else spending (1 card for all) .

4. Existing credit cards if any: PBB dayd 2 day debit card

5. Preferred Bank or Considering CC from banks: please suggest. i know you will recommend ocbc titanium card but ocbc far from me

6. Others: Please be specific. Example: i want one CC that good for me to use. currently i using my pbb debit card. kindly enlight me why should i need a credit card

7. Estimated Spending per month with the card: RM1K +/-.
*

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Added on August 24, 2011, 1:58 ampicked uob one card ( classic) via online... is it ok? thanks anyway

This post has been edited by xproc: Aug 24 2011, 01:58 AM

i into this dilemma when choose my first card, after analysed Mr. Gen-X posts, my final conclusion based on my spending pattern would be

ocbc ti card (too ugly dont want it even good cash back)
maybank 2 platinum (salary not enuf , gold = ugly as platinum got 2 hole there dont know want to do what)

uob one card -chosen due to suits my need and nice card design
at first i applied uob one classic since i dint find out any difference between platinum because classic require less commitment also.
however, when come they straight give me uob one plat, i call the uob cs to activate they say my salary they give me plat and they say classic later the max credit limit only 15k, (what hell i need CL over 15k but haiz since they give then i mai use lor, scarfe they cannot reach quote then help help them la).. whole process took 1 month after i applied online coz its my first CC, complete document i send them by mail but forget my IC (LOL, email them later), then wait a few day they ask me for utility bills coz they say want confirm my address.

(got some debit card before this la, so drag so long no CC since i not big spender those time, just rctly started spend like flow water and just understood CC got cash back help save some meal money)

started using it kao kao instead of my public bank day2day card liao... been go spend alot in sushi king x2, guardian, maxis, digi, for just 5 days started use, walao.... this card really make me have a feeling spend more save more lol... but all is necessarily expenses la.. (i make myself believe it)

wonder they have uob one classic card anot? never see the design in internet.

haha... yea... i got keeep track my usage

mine is uob one platinum, they say 1st 5 years waived.... 6th year need 3k swipe...

looking at another card to cover UOB one card... do i need another card?

my expenses about 1k every month, petrol, digi, maxis, food, grocery, online payment etc...

looking for cash rebates and other benefits

looked at ocbc card already but the function almost same and wish to have a card which not overlapping it...

salary = ard 40k...

got free annual and gst? my income can get m2 amex ?

oh... any significant different between m2gold and m2plat?

thanks for your info.... very precise and to the point... like a personal CC consultant tailored to the point... and thanks others for their view also...

my first credit card i get the basic 1 to explore the world... i will apply 1 more sooner or later..

i applied house loan with pbb they give me pre-approved CC , although i tell them i dont need it but they ask me to sign it.... later when i received it i dont activate it will not charge gst right? how i can cancel that card, can phone them to cancel the card??

the next card i will get probably i will get m2 amex gold, later when more salary can upgrade to plat?

but after i back from kl, i feel i need a card with travel protection and lounge access... based on my spending pattern, which 1 suits me where worth me take it?

how about PRE-approved Credit card, they mentioned is and some sort ask me must sign the document(they say help them hit quota)? does it means pre charged me GST RM 50?

i know... i heard the CS said if i no active it it not charge me gst... which makes me blur now....

is it worth get the SCB gold for the RM138 cash back? after got the card need use how long time?

175 no auto waived first year?

lol then the cashback purely to offset the annual fee also not enough... plus gst...

then should i take ocbc or m2 gold, why i keep asking same question every day ?

today can swipe rm 300 for group lunch... but i only got uob one card... 0.3%, so i ask other to swipe it better... so i thinking of getting another card got more benefit for me to swipe...

my fren apply one sc card they give 2 card, one got cash rm 200... another one apply 3 card got rm 600 cash...

how to get and how much? the agent called me said max apply 3 card get rm 600 but deduct gst for 3 cards become rm 450...