but for 0% balance transfer, you need to have another credit card which provide such service, which means having 2 credit card from 2 different banks.

Then is there a good chance for me to apply 2 CC from different banks, swipe one of it, then do a balance transfer to another cc to enjoy a 0%/low % interest rate repayment?

yes, but you need to select those cc that offer 0% balance transfer. for eg. mbb and aeon offer it now...

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: No

3. Card required for: Petrol, CashBack/Reward, Cinema, Grocery & Shopping, Flight & Hotel (tis 1 is extra)

4. Existing credit cards if any: No

5. Looking at CC from: UOB One Visa Classic, RHB Travel Money Visa, Citibank Choice MasterCard (duno which 1 more suitable for me)

Thanks~~

uob one card has 5% petrol, 10% gsc, 2% grocery, others 0.3%.
mbb2amex has 5%+5xtp (on weekends for anything), buy 1 free 1 tgv.
hlb combo (wise + gsc): wise card for 10% on petrol and grocery, gsc card for gsc.

Thanks man, i think most probably i'll get HLB Wise + Maybank 2 Cards, or just either one.

hlb wise need to take care of at least >rm50 x 10 times (to be posted in a calendar month) to activate the 10% cb. can get 10% cb on daily transaction and easily accepted.

mbb2cards only amex is useful but need to pay rm100 gst for the 2 cards. 5% cb only available on weekends transaction and not so widely accepted as compared to visa/master.

you decide.

heard that mbb2 is good
but i not sure how the 2 card work.. although i study it @@

mbb2cards only amex is useful. can get 5% on weekends transaction. but new applicants now will be charged rm100 for 2 gst.

1. Annual Income: RM35k - RM45k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, CashBack/Reward, Cinema, Grocery & Shopping, Hotel

4. Existing credit cards if any: No

5. Looking at CC from: Maybankcard 2 cards (only because I have preexisting maybank account). Do recommend a second option so I can compare both. Thanks

hlb wise & mbb2 cards

Which one would you recommend? Lol

if you spend a lot on petrol and can fulfill the requirements of HLB Wise Card (10 transactions of min RM50), it does give you more rebates (10%).

but with mbb2card, well it's 5% on EVERYTHING on WEEKENDS only. really depends on your spending pattern.

roughly how much do you spend on each of the items you mentioned?

Hi, can recommend for a credit card mainly for insurance? monthly around rm600. which credit card give most cashback/rebate for insurance? income is rm2400

Johannas with hlb wise u would just need to spend rm500 to get rm50 as for mbb2 cards u will need to spend rm1k on weekends to get rm50 all other days u would get 5x points.

best would if you can get both cards otherwise if it just one go for mbb2 cards

This post has been edited by DarReNz: Sep 16 2014, 10:00 PM

>< confusing.. so if i use on weekdays.. then nothing?

MBB 2 Amex...
Only 5x Points on Weekdays
5x Points + 5% Cash Back on Weekends Spend

MBB 2 Visa / Mastercard...
$1 for 1 Point on Daily Spend
https://forum.lowyat.net/topic/3266395

This post has been edited by fly126: Sep 16 2014, 11:13 PM

Edited 2x Post...

This post has been edited by fly126: Sep 16 2014, 11:06 PM

1. Annual Income: RM30,000.

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

3. Card required for: Insurance payment

4. Existing credit cards if any: Nil

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

6. Others: Prefer any Cash rebate