I X Think they (UOB) Have 1-Hour Instant Credit Card Service...
So far as I know MBB, Citi, & RHB Got It Only...

UOB One Card with 5% Off on Petrol, Currently the Best Card for Petrol Rebate...
Can Refer to My Post #106-7 (just few Posts Above Yours') about the Rebate of UOB One Card & Others Credit Card Recommendation

Btw, About Your Debts Issue... U mean Currently now U X Have Any Credit Card (Sudah Potong All Your CC), Just Free Yourself from CC Debts...???

Better Off with 3-6 Months Cooling Period for the Bank to Update Your CC (Debts-Free) Status to the CCRIS Report before You Try to get Credit Card Again...

This post has been edited by fly126: Nov 25 2013, 12:57 AM

Yes correct bro.

I see, ok, then i'll wait, not that i need to use it super urgent.

Thanks.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Petrol, Cash Back/Rebate Only, Overseas Transactions, Movie

4. Existing credit cards if any: Nil.

5. Looking at CC from: Nil

All Sifu, please advice the best CC for me. I read through this thread and notice a lot of changes on CC benefits at end of year 2013. My main focus is on maximized cash rebate, without annual fee. Thanks

How is UOB One card compare to Citibank Cash Back platinum?

Citi Cash Back also gives 5% rebate for all petrol stations anytime.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: If possible

3. Card required for: main concern is on shopping, gadget/ home installment. Overseas transaction
If possible with free airport lounge access.

4. Existing credit cards if any: Nil

5. Looking at CC from: Was looking at the maybank 2 fard and citibank rewards platinium

6. Others: plan to get rewards point from the cards, as well as those that is best in making installment.

Hope to have some recommendation from everyone.
Felt reluctant with the maybank 2 card because the rewards point expired after 3 years..

Thanks

U Need a Card that Giving You Max Cash Back + No Annual Fee...
But FYI, Most of the Cash Rebate Credit Card Usually Came with Annual Fee...
Anyway, the Annual Fees of the Card are EZly to Waive Off by Bank if U Used Your Card.... Frequently

I Think these 2 CC's You Should Consider to...

I) UOB ONE Card - a Pure Cash Back Card, Earn Cash Rebate ON:
* 5% for Petrol Cash Rebate [capped at RM500 for UOB ONE Platinum card & RM300 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM300 for UOB ONE Platinum card & RM200 for UOB ONE Classic card per month.]
* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card & RM1,000 for UOB ONE Classic card per month.]
* 2% at Pharmacies
& 0.3% for all Other Purchases...
*Enchanted with SMART$ Cash Rebate Privileges http://www1.uob.com.my/assets/pdf/platinum...036;partner.pdf
Usually They Given 2 Years Annual Fee Waiver to NEW Signup
For the Subsequent Years You can Call Customer Service Request AF Waiver from Them

II) Maybank 2Cards
It's FREE for Life with NO Annual Fee Came with a Treat Point (System) with 3 Years Expiration Period
*The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, & 1 statement.
*You can Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.
*5x Treats-Points for every Ringgit spent on Maybankard 2 American Express Card and 1x Treats Point on Maybankard 2 Card in Malaysia or anywhere else in the world.
* 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Card member) per month
* the Treat Points also can Convert to Enrich Air Miles

This post has been edited by fly126: Nov 25 2013, 07:28 PM

Yes, You can Notice that, the UOB One Card got Similar Benefits with Citibank Cash back Platinum...
UOB One Card (Income Requirement RM24-36K p.a) & Citibank Cash Back Platinum (Income Requirement RM40k p.a)

But, the Citibank CB Only credit the cash back earned once you reach RM50 & If the cash rebate is less than RM50 for a particular month, the total cash rebate amount will be carried forward to the following month... Whereas UOB credit the cash back monthly into the account...

Another Cons of Citi CB Plat.... the 2% Phone Bills Rebates ONLY Available with Payments Made through Citibank Online & One Bill Payment... Whereas You can Enjoy Phone Bills Cash Back with UOB Card from Any Payment Channel ie: at Online Portal or Pay Over the Counter...

+ U Will Get 5% + Another 2% Smart $ Cash Rebate at BPH Petrol with UOB One Card as for the Citi CB Plat. Just 5% Off for All Petrol Station...

The UOB One Card is Clearly Outshine & More Practical Uses Compare to Citibank Cash-Back Platinum with Similarity Benefits...

This post has been edited by fly126: Nov 26 2013, 01:07 AM

I think UOB One Card would be more suitable for me since i could only benefit from Weekend Shopping to receive 5% cash back from Maybank 2Cards.
Thanks you.

Your Credit Card Recommendation:
I) Alliance Cash Back Platinum
•0% Finance Charge for first 3 months
•Up to 2.0% cash back* on retail spend http://www.alliancebank.com.my/Personal-Ba...rs#platinum-tab
•2x Timeless Bonus Points on overseas spend
•No lost card liability upon reporting
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period
•Instalment Payment Plan at 0% p.a. interest rate at participating merchants
•Unlimited Complimentary Access to KLIA Plaza Premium Lounge
•Enrich Miles Redemption via Enrich Rewards Program with Malaysia Airlines.
•AirAsia BIG Points Redemption (for VISA Credit Card only).

II) RHB Visa Signature Credit Card, With...
- Unlimited 1% Cash Back on all online and overseas transactions
- 0.5% Cash-Back on all other transactions
Cash Back is capped at RM200 per month, per customer (excludes Petrol, Government, Cash Advance & Charity transactions)
- 4x Complimentary access into Plaza Premium Lounges in Malaysia, Yearly
- Travel insurance Coverage of up to RM2 million
Annual fee waiver, With a total minimum cards spend of RM50,000 per annum
http://www.rhb.com.my/cards/credit-card/cc...tml#eligibility

III) Maybank 2Cards
It's FREE for Life with NO Annual Fee Came with a Treat Point (System) with 3 Years Expiration Period
*The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, & 1 statement.
*You can Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.
*5x Treats-Points for every Ringgit spent on Maybankard 2 American Express Card and 1x Treats Point on Maybankard 2 Card in Malaysia or anywhere else in the world.
* 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Card member) per month
*Used the Treats Point to Offset Yearly GST & Used It on Enrich Air Miles Conversion... Although the Treats Point came with 3 Years Validation Period

IV) Citibank Rewards Platinum
Yes, U can have 5X Rewards Point from Your selected Rewards categories But... You Need to Pay RM100 Annual Subscription Fee per Category to Enjoy the 5X Rewards Point Privileges. For example, if you have subscribed 2 Rewards categories, you will see an annual fee of RM200 billed to your annual statement.
Citibank Rewards Platinum FAQ: http://www.citibank.com.my/english/credit-...getting_started
+
Citibank Installment Plan, Flexible tenures available from 6 - 36 months:
0% EasyPay http://www.citibank.com.my/english/existin...ode=MYECMWAB5LM
Flexi Payment Plan http://www.citibank.com.my/english/existin...ode=MYECMWAB6LM

This post has been edited by fly126: Nov 25 2013, 10:01 PM

Thanks for the review.

I think for the cash rebate of RM50 for Citibank is not a big issue for me as long as I receive it regardless when. For the phone bill is not hard to set up and do it through the online citibank system, in fact it is more convenient. I realize UOB have a limit of RM300 only for this and for petrol is only RM500.

The only thing I can see UOB One Card is better is if I pump BHP alone and also on GSC tickets.

True, You Can Earn More $$$ with Citibank Cash Back Platinum...
* 5% for Petrol Cash Rebate [capped at RM600 for Citibank CB Platinum card & RM500 for UOB ONE Platinum card per month.]

* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM300 for UOB ONE Platinum card per month & Citibank CB Platinum Rebate will be Unlimited as Long U Pay the Bill thru Citibank Online]

* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card & RM3,000 for Citibank CB Platinum card per month]

This post has been edited by fly126: Nov 26 2013, 10:17 PM

1. Annual Income: RM76-80k

2. Free Lifetime Annual Fee: A Must

3. Card required for: groceries, petrol, utilities, dining and occasional travels, cash back and points

4. Existing credit cards if any: MBB2card, OCBC Ti

5. Looking at CC from: any

6. Others: I am looking for a replacement for my OCBC Ti. My monthly expenses roughly around RM1.5-2.5k

I) HLB Wise Card
You can Enjoy 10% Cash Back Everyday with Your Spending from the 10 Categories as Below:
1. *Mobile
2. Pharmacies
3. Groceries
4. Petrol
5. Dining
6. Departmental
7. Book Stores
8. Utilities
9. Entertainment
10. Travel
* Bonus Category
But...
- RM10 Switching/Subscription fee if you want to change category
- 10% Cash-back only applicable to 2 Selected categories + Mobile (by default)
- Need Min. RM50 spending per transaction to Enjoy 10% Cash Rebate & the Cash Back Capped on $100 Every Month
https://forum.lowyat.net/topic/2760395
OR
II) HLB Mach Card- Annual Fee Waiver Subject to 12x Swipes a Year
You can Enjoy Cash Back Everyday with Your Spending from the 12 Categories as Below (Get 1 for Free...12 All's from Movies to Dining):
1. Movie -10% All Cinemas
2. Music & Events - 3% Ticket Pro , Air Asia RedTix...
3. Nightlife - 2% All Bars & Nightclubs
4. Dining - 5% All Dinning Outlets
5. Style - 2% Uniqlo, Cotton On, Forever 21, Zara, Topshop...
6. Groceries - 2% All Grocery Stores
7. Departmental - 2% Parkson, Tangs,Metrojaya, Isetan...
8. Health & Fitness - 3% Fitness Concept, Fitness First, Guardian, Watson....
9. Mobile - 3% Maxis, Digi & Celcom
10. Tech - 2% All IT Stores
11. Travel - 1% Air Asia
12. Online - 1% All Online Spend
But...
Need to pay RM5 Subscription Fee every 3 months to enjoy additional categories of Cash Back of the Card Or Cash Rebate of 0.2% will be Rewarded on all other purchases as above mentioned+ Also NO Rebate on Petrol...
For Details: http://forum.lowyat.net/topic/2421215

This post has been edited by fly126: Nov 27 2013, 08:24 PM

How is stand chart just once credit card to compare with other cash back? Saw the 15% rebate on petrol.

Standard Chartered JustOne Platinum MasterCard Credit Card T&Cs http://www.standardchartered.com.my/promo/...ercard/tnc.html
Pls Read Item No. 5...

5. Petrol Cashback
We give you petrol cashback in the following situations:
When you spend a minimum of RM999 but less than RM1,999 per month in retail purchases (local and international) on your JustOne Platinum Card as shown in your credit card statement, subject to a cap of RM28 per month;
When you spend a minimum of RM1,999 but less than RM2,999 per month in retail purchases (local and international) on your JustOne Platinum Card as shown in your credit card statement, subject to a cap of to RM38 per month
When you spend a minimum of RM2,999 or more per month in retail purchases (local and international) on your JustOne Platinum Card as shown in your credit card statement, you will receive a petrol cashback cap up to RM48 per month...

Just saw it after post, paiseh! If in that situation with the cap limit, then it's not 15% already!!! Swt.

seem like both card doesn't cover much categories like ocbc ti and need to pay for their AF as well.

Ocbc titanium the most preferred

How About UOB One Card, I Think Currently is 1 of the BEST Card Now...

Earn Cash Rebate ON:
* 5% for Petrol Cash Rebate [capped at RM500 for UOB ONE Platinum card & RM300 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM300 for UOB ONE Platinum card & RM200 for UOB ONE Classic card per month.]
* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card & RM1,000 for UOB ONE Classic card per month.]
* 2% at Pharmacies
& 0.3% for all Other Purchases...
*Enchanted with SMART$ Cash Rebate Privileges http://www1.uob.com.my/assets/pdf/platinum...036;partner.pdf
Usually They Given 2 Years Annual Fee Waiver to NEW Signup
For the Subsequent Years You can Call Customer Service Request AF Waiver from Them, As I know They Annual Fee was EZly to Waive Off as long Use the Card Frequently...

This post has been edited by fly126: Nov 28 2013, 05:25 PM

Basic salary Rm 2700 + Rm 800 unfixed allowance, after deduct all net pay Rm 2 800

Just use for petrol, what is the best credit card should apply ?