Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsRecommendation for Credit Cards V1, TQ to contributors ! (From MOD)
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 Mar 21 2011, 05:23 PM
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#1
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Junior Member
236 posts Joined: Jan 2009 
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1. Annual Income: RM33K
2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, pay bill, instant money when travel worldwide or not carrying cash around, etc 4. Existing credit cards if any: Nil 5. Preferred Bank or Considering CC from banks: any bank 6. Others: currently got offer by maybankard 2 gold and CIMB card, which shud i choose? 7. Estimated Spending per month with the card: Less than RM1K |
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Mar 22 2011, 08:30 AM
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#2
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Junior Member
236 posts Joined: Jan 2009
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QUOTE(chemistry @ Mar 21 2011, 08:12 PM) Try to apply OCBC Titanium first. If unsuccessful, then only turn to Maybankard 2 Gold. But mind you, to earn 5X TreatsPoints using Amex you need to enrol EXPRESS AUTOPAY for your TNB/SYABAS/CELCOM/MAXIS/DIGI/ASTRO bills. Maxis Centre (Bangsar, TTDI, KLCC) accept Amex, but who will want to spend time looking for parking at such a busy place? Everybody is talking about "Online payment". Unfortunately Amex has not provided such facility yet.  QUOTE(Gen-X @ Mar 21 2011, 09:14 PM) Missed this post earlier Thanks Gen-X and chemistry vy much~  I would go with Maybankard 2 Cards as you'll get 5XTP and cash back.Bro, 5X TP for all transaction with Maybankard 2 AMEX transaction lah. Just to add, there is a misconception about the 5X MR for American Express Gold Credit Card too, you don't need to register EXPRESS AUTOPAY to get 5X Membership Reward points for Telco. For my previous AMEX Gold CC, I just went to DiGi, Maxis and CElcom and did auto debit and I do get 5X MR. Now all transferred to Maybankard 2 Amex as I intend to terminate the AMEX Gold CC. Well you mentioned your income RM30K on paper that means you can proof it right? Shopping centres - well this is subjective. If you shop at Sungai Wang then Amex not so suitable, if you shop at Gardens or KLCC, then no problems using AMEX. I would recommend you apply for Maybankard 2 Cards anyway since you already got PBB CC and try out AMEX, it is FREE FOR LIFE. If Amex cannot use, you still got Maybankard 2 Visa or MC.  |
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Aug 15 2012, 12:18 AM
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#3
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Junior Member
236 posts Joined: Jan 2009
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1. Annual Income: RM36K to RM48K
2. Free Lifetime Annual Fee: Must 3. Card required for: mostly for petrol when during weekday, cinema and F&B 4. Existing credit cards if any: MayBank2card 5. Preferred Bank or Considering CC from banks: nothing in mind currently 6. Others: Please be specific. Example: I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points. 7. Fixed expenses per month with the card: RM350 for insurans, RM90 for streamyx, RM200 for petrol 8. Non-fixed expenses but recurring in RM: - i have a maybank2card right now but the 5% rebate only limited to weekend. want to find another card that can grant the rebate at weekday and for entertainment purpose (like GSC buy 1 free 1) |
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