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!

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol (~400), Cash Back/Rebate, Utilities (~700), Groceries (~400)

4. Existing credit cards if any: OCBC Titanium, Citibank Cashback Platinum

5. Looking at CC from: Havent started looking, Please recommend, thanks.

6. Others: looking for easy online payment.

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol (~400), Cash Back/Rebate, Utilities (~700), Groceries (~400)

4. Existing credit cards if any: OCBC Titanium, Citibank Cashback Platinum

5. Looking at CC from: Havent started looking, Please recommend, thanks.

6. Others: looking for easy online payment.

1. Annual Income: ~RM70k
2. Free Lifetime Annual Fee: Yes
3. Card required for:
for bill payment, insurance, petrol, loan etc, didn't expect this card to swipe for living (eg shopping, groceries, dining), mostly just for bill payment only

just want to have a card to do automatic monthly payment, and for transaction that is not convenient with cash payment (rarely), I won't expect this card to swipe more than 10 times a month.

not sure this is valid concern, this will be my lifesaver credit card if I travelling oversea, so I need a card that can function with minimum effort at oversea, don't want when use at oversea suddenly issue come up. Average 1 year travel 2 times.

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

6. Others: Using debit card (Public Bank) currently, but debit card has it's limitation, so just want to get a credit card with minimum maintenance cost, for both credit rating and convenience.

this is a great thread!

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: make purchase online, mostly overseas.

4. Existing credit cards if any: no. im cc newbie

5. Looking at CC from:

6. Others: looking for lowest cross border rate. interest rate is not that important bc will pay full amount on time.

besides cimb cash rebate mastercard which you already asking in cimb thread, you may also consider...

uob vox: http://www1.uob.com.my/personal/cards/cred...b_vox_card.html

*5% cash rebate on all your online purchases. For online spend of up to RM1,000 per month* but i wont spend that much in a month. seems useless in my case  how much is UOB's cross border?

the cimb cash rebate one, i can get 5% also, minus the 0.8% cross border, do you think it's worth it?

up to rm1k doesn't mean minimum rm1k.

1. Annual Income: RM30,000.00

2. Annual Fee: Free for lifetime / as low as possible

3. Card required for: Petrol (Shell), phone bills (Maxis), groceries (Giant, Tesco), dining & retail.

4. Existing credit cards if any: Nil

5. Looking at CC from: Any bank will do.

6. Others: Preferably low interest rate p.a as I will probably be paying a small portion per month to get some camera gears in the future.

Thank you for your advice.

oh yeah. i just read it again. my bad    anyone knows the cross-border rate for UOB? also read that maybank has no cross border fee, real?   

you can choose hlb wise or mbb2cards.

Are UOB One & Citibank Choice okay?

1. Annual Income: RM30,000.00

2. Annual Fee: Free for lifetime / as low as possible

3. Card required for: Petrol (Shell), phone bills (Maxis), groceries (Giant, Tesco), dining & retail.

4. Existing credit cards if any: Nil

5. Looking at CC from: Any bank will do.

6. Others: Preferably low interest rate p.a as I will probably be paying a small portion per month to get some camera gears in the future.

Thank you for your advice.

Did you mean pay using installment scheme or you intend to pay minimum amount to bank? There's a difference in these two.
If installment, that's OK but if you pay minimum amount to the bank every month, the outstanding balance keeps snowballing and may affect your credit history.

It depends if there is an installment plan. If no, probably i'll pay minimum amount / as much as i can monthly till i clear the outstanding before i start swiping the card again.

u should do a 0% balance transfer instead of paying just the min amount