nope! just read a lot from this forum and understand each card's benefits and T&Cs

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Must, if possible the Gov tax also

3. Card required for: (heavy)Petrol, (heavy)Shopping at Giant&Tesco,Bill payment.

4. Existing credit cards if any: Citibank Clear card.

5. Looking at CC from: Maybank 2 Card Platinum

6. Others: I usually pay off in full each month, so am not looking for good interest rate.
Looking for cash back, 0% instalment purchases of electrical/electronic items
Typical usage per month RM2500

suggestions welcome,

*if i get Wave type, then my partner also can use the card for shopping right. No signature is needed, am i correct ?

Thank all,

"Your Credit Card Checklist"

I) Maybank 2 Cards (Lifetime fee Waiver) https://forum.lowyat.net/index.php?showtopi...post&p=68551797

II) Public Bank Visa Signature (AF Waiver subject to 12X Swipes a Year with Visa Pay Wave feature )- 6% Cash-back with: Grocery, Dining, Online Transactions...https://forum.lowyat.net/topic/3219080

III) HLB Wise Card: with 10% Cash Back MUST have Min. 10x RM50 transactions per month to get 10% Cash Back & also, NO Annual Fee Waiver ($160-300)... https://forum.lowyat.net/topic/3367769
OR
IV) Why Not just Upgrade Your Clear Card to Citibank Cash Back Platinum to Enjoy Cash Rebate Up to 5%
https://forum.lowyat.net/index.php?showtopi...post&p=67010433

This post has been edited by fly126: Oct 6 2014, 02:06 PM

he is not a professional cc user, but a professional cc advisor. maybe he earn a living by giving cc advices.

ya maybe charge a bit enough coz ppl 'earn back' so much more from the maximum points and maximum cash rebate from credit card. good idea for him.

professional credit card advisor and consultant.

Going to cut my HSBC card. My husband was primary card, and im holding supplementary. Is using the card since more than 5 years. My husband already cut his last week due to the card been misused for unapproved online transactions. Immediately go to bank to cut. Now looking for a new card.

1. Free Lifetime Annual Fee - preferable. OK if the bank free waiver for min 12 swipes per year as well.
2. Purpose of the card - online transactions, utility, dining, insurances, etc EXCEPT for petrol and groceries as we are holding HLB Wise card for 10% cash back for these two categories.
3. Does not looking for those travel or enrich programme cards as we hardly fly with those. Usually fly with budget airlines.

Reading at the first page, looks like Maybankard 2 AMEX is good for local daily transactions? Any advise?

Yup, Maybank 2 Cards or Public Bank Visa Signature these TWO Currently the BEST Card you can have now...
Pls, Refer to Post #1208 for more Details just few posts above Yours

This post has been edited by fly126: Oct 6 2014, 04:03 PM

Actually, mostly never check with the signature at the back of the card. If you want to let your partner use, just sign only. I mean, it's not exactly 'right, but sometimes, the actual person cant be present and the card gives the most benefit...

Yes, i've done it before. Many times, when i have to.

Thanks a lot. Looks like Public Bank Visa Signature not bad. 6% on online transactions which includes AA! and a lot more. not bad. meaning if the transaction is not inside the cash back category, that transaction will earn points to redeem voucher/stuff, am i right? How about GST? Waive?

can consider aeon watami too.

aeon watami? where can i read for more info about that. thanks!

AEON Watami: https://forum.lowyat.net/topic/3324421

Current Promo:
PBB Visa Signature
https://www.pbebank.com/Personal-Banking/Pr...Wave-Acqui.aspx
Apply Online: https://www.pbebank.com/forms/form-pb-card.aspx

Maybank 2Cards

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions
Apply Online:http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by fly126: Oct 6 2014, 06:45 PM

aeon watami 3% quarterly rebate for everything on everyday, except for petrol transaction. minimum 3k per quarter (to activate the 3%) up to a maximum of 5k per quarter (rm150 cb per quarter).

for more information: https://forum.lowyat.net/topic/3324421

wow! thank you so so much! I will take my time to slowly compare later tonight! Thanks thanks!

Thank you all for the suggestions...
I might go for the Cash back Platinum.. The annual fee put me off earlier but is possibility of waiver.
But I will certainly miss the fun of redeeming points for freebies

actually maybank having 3 promotions now so you can apply for the mbb 2 cards.

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

1. Annual Income: RM24K - RM30K
2. Free Lifetime Annual Fee:Yes
3. Card required for: use for dining, petrol, oversea vacation and booking, oversea online shopping
4. Existing credit cards if any: none
5. Looking at CC from: none
6. Others: If have cashback or rebate would be good and preferably easy to pay back (use online banking & no need to go to specific bank)

choose mbb2cards as your first cc won't be wrong.
nowadays use ibg to pay cc from different banks only charge 10sen per transaction.

Hi. I’m thinking to get my first credit card. Previously I only paid my expenses by using cash, so no cashback, no treatpoint. It is a waste.

1. Annual Income: RM40K to RM60K

2. Free Lifetime Annual Fee: Yes

3. Card required for:

Petrol (shell) = >RM350
Touch n go = RM180
Celcom = RM70
P1max = RM99
Bills = <RM50
Online shopping if necessary..

4. Existing credit cards if any: Nil

5. Looking at CC from: Maybankard 2 Amex Credit Card or Ikhwan AMEX Maybank Islamic.

6. Others: For now, local use only. I prefer Islamic cc.

Thinking to get Maybankard 2 Amex Credit Card or Ikhwan AMEX Maybank Islamic.

Maybankard 2 Amex Credit Card
Pro : 5% Cashback on weekends up to RM50 (Amex), 5 x Treat points for all transactions (Amex)
Con : GST for both card RM100

Ikhwan AMEX from Maybank Islamic
Pro : Islamic. GST RM50. 5 x Treat points for petrol.
Con : 2X TreatsPoints on all other spend, no cash back.

Do I missed anything here? Or is there any better option? Thanks.

If You Prefer an Islamic CC Why not Apply for Maybank Islamic MasterCard Ikhwan Gold/Plat., the Card that gives back to Charity & Sends You to Umrah.

With a Lifetime Fee Waiver,
*Umrah Trip- One weekly Umrah winner (package for 2pax) will be selected to win an Umrah package (for Muslims) or holiday package (for non-Musilms)
*Charity Fund -With every spending the Bank will contribute 0.1% for charity purposes
*5% Rebate on Petrol & Groceries on Friday and Saturday, capped at Maximum of RM50/ Month (Principal Cardmember only)
*Treats Points - RM1 for 1 Point (Local or Overseas Spend)
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by fly126: Oct 9 2014, 10:17 AM