i just call up CS and cancel it. The Card immediately not valid anymore thn i call up to another department to restructure my outstanding . But this installment interest is based on my retail interest which is 18%. They actually just close my CC account but the account still will be in CCRISS till i settle the outstanding. i already have 2 in my ccriss....i think is better mayb after a year only apply for CC? so my CCRISS record all 00000

UOB One Card, Currently 1 of the Best Now...
https://forum.lowyat.net/topic/2979093/+120 Pls Refer MyPost#124 for Details
OR
Citibank Cash Back Platinum http://www.citibank.com.my/english/credit-...Code=MYCCWAB7LM Which's having the Similar Benefits with UOB One Card

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 thru 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 BHP Petrol with UOB One Card as for the Citi CB Plat. Just 5% Off for All Petrol Station

Anyway,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: Dec 2 2013, 01:44 PM

1. Annual Income: > 100k

2. Free Lifetime Annual Fee: No

3. Card required for: AirMiles (Travel), Airport Lounges
4. Existing credit cards if any: Nil

5. Looking at CC from: Citibank - Premier Miles

6. Others: I'm a foreigner. I'm looking at Citi PremierMiles AmEx, but then I know that AmEx is not as versatile as Visa or Mastercard. I also prefer not having to open a bank account. CIMB Enrich cards would also be out of question since it requires a stupid amount of fixed deposit.

This post has been edited by vankodoq: Dec 2 2013, 01:21 PM

Your Credit Card Recommendation:
I) Maybankard Manchester United Visa Infinite or Maybankard Visa Infinite
The Best Travel & Overseas Spend Card from Maybank.
Annual Fee Principal: RM800, FREE for the 1st year
Subsequent years FREE if spend a min of RM50,000 per annum
Supplementary: FREE for life
Min. Annual Income Requirement: RM180,000
WITH,
*10,000 Treats Points upon activation of card
*2x Treats Points for every RM1 spent locally and 5x Treats Points for every RM1 spent overseas.
*Treats Points can be converted to Enrich Miles, KrisFlyer Miles or Q Miles,etc...
*Golf privileges at local and overseas golf clubs
*Dining privileges at selected eateries and restaurants

For More Details,
Maybankard Manchester United Visa Infinite http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Maybankard Visa Infinite http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

*Actually, Both of the MBB VI Card got Similar Benefits As for Myself Prefer the MU Visa Infinite coz got 5 x TreatsPoints when MU wins a Premier League Match + Others MU's Privileges...

II) Alliance Bank VISA INFINITE
Annual Fee Principal: RM800, FREE for the 1st year
*5x Timeless Bonus Points on overseas retail spend
*Annual Loyalty Rewards on cumulative spend
*Lifetime Annual Fee Waiver with minimum spend of RM30,000 within a 12-month period
*Complimentary Priority Pass membership card access to lounges worldwide
*Frequent Flyer Program via Enrich Rewards Program and AirAsia BIG
More Details: http://www.alliancebank.com.my/Personal-Ba...ssibilities-tab

This post has been edited by fly126: Dec 2 2013, 03:50 PM

But the annual fees? RM195 for citibank, do they waived that?

For the 1st Year is Free with 3x Swipes with 60 Days from the Approval Date
On Subsequent Years, U can Call CS Request AF Waiver from them about 2-3 Months before the Card Anniversary
Usually, they will Delighted Waive It for You if used the Card Frequently...

FYI, I Never Paid a Single Cent of It (I got 2's Citi CC), so far...

This post has been edited by fly126: Dec 2 2013, 10:12 PM

Thanks. I have look at both, just looking at options of not paying the RM800 annual fee.
Maybank would be my preference as i can view card details online but i dont think i will use more than RM50k per year to be entitled to waiver. Well from my nick, u can pretty much guess which team i support too..

Plus point for Alliance would be

1. access to lounge world wide
2. 30k within 12 months for free lifetime annual fee

Alliance do have online system to track your CC usage / payment. I believe most bank provide this anyway because i havent come across any that doesn't provide this platform.

Tq bro,
If I looking for non Islamic card, what card suitable for me ?

Currently, These CC's Popular Like HOT Cake...

I) Maybank 2Cards - a Must
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 for Enrich Air Miles Conversion... Although the Treats Point came with 3 Years Validation Period

II) UOB One Card - a Pure Cash 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, As I know They Annual Fee was EZly to Waive Off as long Use the Card Frequently...

This post has been edited by fly126: Dec 3 2013, 11:26 PM

1. Annual Income: RM30K - RM36K

2. Free Lifetime Annual Fee: A Must - otherwise depending on how good is the card.

3. Card required for:
- Petrol: Always BHP station when possible (RM180 per month)
- Dining with family (Around RM250 per month)
- Movie + Popcorn: TGV (RM150 per month)

4. Existing credit cards if any: None

5. Looking at CC from: Open to suggestion

6. Others: As can be seen I don't do many swips with the card as it's only a backup plan when I run out of cash so if possible the bank must be lenient in waiving annual fees.

petrol - uob one card 5% rebate plus another extra 2% when pump at bhp.
dinning- hlb mach card with 5% rebate.
movie - citi clear card with buy 1 free 1 on friday and rm10 per ticket normal day. you may consider rhb evo too which give you 20% rebate on movie, sing k, theme park ticket etc.

since you income below 36k you can only choose 2 out of 3..uob is a must and the another one you have to decide which category put more weight on your daily lifestyle.

regarding AF i not sure though as i don't have both 3 cards.. mach card can be waive with min 12 swipes per year if not mistaken.

alternately, you may consider hlb wise card too which give you 2 categories to entitle 10% rebate. for example petrol + dinning. drawback is it have certain rules to follow which is you must swipe at least 10 times rm50 per month. AF rm160 and cannot waive at the moment.

This post has been edited by jwyong001: Dec 5 2013, 04:01 PM

HI, i would like to ask which to choose (Maybank visa infinite or Maybankard 2 platinum cards) if
1. Annual Income: >180k

2. Card required for: online shopping (oversea company)

which will give me more benefits in terms of reward points? Thanks!

Guys may I know which bank doesnt need EPF to apply credit card?
I dont received paycheck but all income in cash. so my bank figures will be inconsistent. But I have document of my property and my invoice as my income. I pay all my bank loans on time.

I don hav income tax and my EPF report very low. Can I apply maybank?

This post has been edited by David900924: Dec 5 2013, 08:04 PM

Which is the best card for oversea spending? I plan to add on another card on top of my current cards - I have MBB 2 AMEX Platinum, OCBC Titanium and HLB Wise.

The Maybankard Visa Infinite earns the card holder 5X Treats Points overseas but only 2X for local spending.The Best Travel & Overseas Spend Card from Maybank.
Annual Fee Principal: RM800, FREE for the 1st year
Subsequent years FREE if spend a min of RM50,000 per annum
Supplementary: FREE for life

So this card is great for those who spend substantial sum of money overseas (online or in person) like in the case of rjb123 where he spend RM12K-RM15K per month on overseas transactions.

And this card is also great for Miles where he flies overseas like every other week.

But , the Maybankard VI is not good if you spend your money locally.

1. With overseas 5X Treats Points, for the VI it works out to be RM0.90 spent = 1 Enrich Mile. But for local spending where you only earn 2X TP, it works out to be RM2.25 spent = 1 Enrich Mile. Whereas our Maybankard 2 AMEX which earns us 5X TP and with conversion rate of 7000 TP = 1000 Enrich Miles works out to be RM1.40 spent locally = 1 Enrich Mile.

2. To redeem stuff other that Enrich Miles, the Maybankard VI has no advantage over the Maybankard 2 AMEX because we need the same number of points to redeem for the same item... Selected from Gen-x'Post#163 https://forum.lowyat.net/topic/2989298/+160

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 for Enrich Air Miles Conversion... Although the Treats Point came with 3 Years Validation Period

This post has been edited by fly126: Dec 6 2013, 12:29 PM

for utility bill (ie telco, water, TNB, astro), what's best card? Need to terminate OCBC Titanium already coz not more 5% rebate already. Heard HLB card got 10% rebate if above RM500 (RM50x10) per month.

For petrol, i have change to RHB which got 10% rebate.

which RHB card has 10% rebate?

RHB Travel Money CC But with Petrol Rebates T&Cs:

- 10% Cash back on the 1st weekend* of the month
- 5% Cash back on all other weekends*
- 2% Cash back on weekdays
* Applicable at all petrol stations nationwide.
* Promotion valid from 1 August to 31 October 2013.
* Cash Back is based on 20% of total monthly retail spend. Maximum Cash Back is RM60 per month.

This post has been edited by fly126: Dec 6 2013, 12:55 PM

????? today is 6th of December 2013

This post has been edited by Wazzzap: Dec 6 2013, 12:56 PM