Thx for the advice. Didn't know about the pay online way.

i having two credit cards now , can i apply for another one if my gross salary is 3k and above but not my basic , epf deduction not 330 and above . I am interested in getting the maybank two cards .

This post has been edited by 13aby: Sep 8 2014, 10:56 AM

is one of your cc now under mbb?

nop

no harm to try though if you really want that mbb2cards.

As long as your gross salary is RM 3k and above, you can have cards from more than 2 banks.
It doesn't mean your basic, can add in fixed allowances as well. Non-fixed allowances will be difficult.

ok thx , already submit for maybank cards .. hope everything go smooth .

1. Annual Income: Rm30k

2. Free Lifetime Annual Fee: Preferable yes

3. Card required for: Installment plan, petrol, utilities and cash back

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any

6. Others:

hlb wise or mbb2cards

1. Annual Income: SGD40,000 (As i know Citibank measure my income as SGD 1.00 = MYR 1.00)

2. Free Lifetime Annual Fee: Is fine, i swipe it over 100 times annually (Hope bank will waive for me)

3. Card required for: AirMiles, Overseas Transactions, retail, dining, fashion, insurance, hotel (Overseas)

4. Existing credit cards if any: SC Cash Back gold credit card

5. Looking at CC from: Nil

6. Others: The SC Cash Back gold credit gold only offer me RM6k Credit limit (Not enough for my oversea business trip)

I fail to apply any credit cards in Singapore although i meet the annual income requirements, that why i no choice to apply Malaysia credit card.

i would suggest:
1) mbb2cards premier https://forum.lowyat.net/topic/3135958 or
2) mbb visa signature https://forum.lowyat.net/topic/3299626

you may refer to below posts for more information...

But the card minimum annual income is over RM100k, my income is not eligible, bank will reject me?

depends how the bank access your income. not all will measure sgd1 = rm1.
no harm to try first...

Alright, no harm to try Thanks a lot to your suggestion.

Maximum cash back per month for WISE card is RM 100 per month ...

To fulfilled the criteria of maximum swiping of rm 50 minimum for 10 times ....

Normally you can choose to pay let say your TNB bill for RM 100 for 10 times through the internet payment using the CC ...

U will be able to save some money there ... annually will be able to save maximum RM 1200

1. Annual Income: RM100k

2. Free Lifetime Annual Fee: needed

3. Card required for: ez payment , cash back , high credit limit

4. Existing credit cards if any: HSBC amanah platinum , HSBC amanah visa , UOB Vox Card

5. Looking at CC from: NIL

Thanks !

you didn't mention required for which categories? for eg. petrol, dining, online, grocery, departmental, pharmacy, insurance, etc.

Sorry, for grocery

hlb wise, pbb vs, mbb2cards

1. Annual Income: RM30K - RM36K (will increase to RM60k - 100k in April next year)

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol (~RM250), Groceries (~RM400), Utilities (~RM150), Online shopping (sometimes)

4. Existing credit cards if any: Nil

5. Looking at CC from: Maybank 2 cards

6. Others: Using debit card now (PBD2D for cashback), but I would like to improve my credit ratings for a housing loan in the future. Plus, I might use ezypay for lasik procedure. It's just too expensive to pay in full amount. Was looking at MBB2card but noticed that gst went up to RM100. Is it still worth it, or is there a better card? Considered HLB wise too, but I do my groceries in bulk (RM200 x 2 times per month), so it'll be hard to swipe 10 times in a month. And my annual income will increase next year, so should I wait for it or just get the card now?

p/s: Btw, I'll be living in Kuantan next year, so how good will amex be outside klang valley? Main concern is shell petrol station. I know most shell accept amex in klang valley, but what about other areas? Thanks!