Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsRecommendation for Credit Cards V2, Please post according to Format stated.
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 Aug 11 2014, 12:26 AM
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#141
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Senior Member
4,404 posts Joined: Jun 2012   
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QUOTE(chicken12345 @ Aug 10 2014, 12:42 PM) But there is reply saying 100k can get premier2.. this is the thing that make me confused.. I think They mean: Need At least RM100K FD Pledging to get MBB 2Premier Cards NOT the Income Requirement (RM100K)...    http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards This post has been edited by fly126: Aug 11 2014, 12:36 AM |
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Aug 11 2014, 01:04 AM
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#142
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(shinjay @ Aug 10 2014, 12:38 PM) Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications Your Credit Cards Checklist: https://forum.lowyat.net/index.php?showtopi...post&p=68881565 1. Annual Income: RM30K to RM36K and 36k to 60k 2. Free Lifetime Annual Fee: No 3. Card required for: List all your needs. Example Petrol, Cash Back/Rebate Only, 4. Existing credit cards if any: Nil (family using maybank2cards) 5. Looking at CC from: UOB One Card, Citibank cash back card. 6. Others: Please be specific. Example: I applied HLB wise card but rejected, looking for alternative card besides Maybank2card. Company's salary account is OCBC, should I apply one Ocbc credit card first to ease my application of HLB wise card? Sifus please advice  Others... i) OCBC (Blue/Pink) Mastercard - 1% Unlimited Cash Rebate on Daily Everything Spend + Lifetime Fee Waiver ii) CIMB Cash Rebate Gold MasterCard - 5% Cash Rebate on e-Commerce, 2% Cash Rebate on Petrol & Groceries http://www.cimbbank.com.my/creditcard/atta...RebateMCFin.pdf This post has been edited by fly126: Aug 11 2014, 01:07 AM |
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Aug 11 2014, 09:46 AM
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#143
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(peaceboy0 @ Aug 11 2014, 09:35 AM) 1. Annual Income: RM24K to RM30K. I) HLB Wise Card: 10% Cash Back Must do Min. 10x RM50 transactions per month to qualify a Cash Back+ NO Annual Fee Waiver https://forum.lowyat.net/topic/3156131 2. Free Lifetime Annual Fee: No. 3. Card required for: Petrol, Any transaction that swipe in advance for company and claim back later on. 4. Existing credit cards if any: No. 5. Looking at CC from: - 6. Others: Credit card that apply must provide the maximum of benefit to me. Thanks. II) UOB One Card: Up to 5% Petrol Rebate https://forum.lowyat.net/index.php?showtopi...&#entry68505615 OR Just Refer the Post above Yours for the Recommendation...  This post has been edited by fly126: Aug 11 2014, 10:08 AM |
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Aug 12 2014, 10:19 PM
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#144
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(*devilelle* @ Aug 12 2014, 06:21 PM) I need help to recommend on which credit card I should apply. Since U Already have RHB CC Why Not U just Request Upgrade Your Current RHB Credit Card to RHB Platinum to get More Benefits:1. Annual Income: +- MYR100k 2. Free Lifetime Annual Fee: if possible 3. Card required for: cash back or good reward points on groceries, bills, etc 4. Existing credit cards if any: RHB Classic 5. Looking at CC from: any international banks 6. Others: if possible the reward points do not have expiration date or cash back do not have minimum spending per month. TQ  *15% cash-back on weekends on Dining for life or 30% cash-back during your birthday month at selected dining outlets. *2X reward points(Non-expiring, evergreen reward points) - Overseas Travel spending, airline tickets, travel packages, car rental and duty free purchases. *4x complimentary access into all Plaza Premium Lounges in Malaysia *Annual fee waiver - If You are Regular User, just Call CS request AF Waiver from RHB *Travel insurance coverage of up to RM1 million + Purchase Protection Plan up to RM30,000 p.a *Zero liability on unauthorized transactions of lost and stolen card http://www.rhb.com.my/cards/credit-card/cc...tinum_main.html "Your Credit Card Checklist" I) Maybank 2 Cards https://forum.lowyat.net/index.php?showtopi...post&p=68551797 II) Citibank Cash Back Platinum https://forum.lowyat.net/index.php?showtopi...post&p=67010433 III) Public Bank Visa Signature (AF Waiver subject to 12X Swipes a Year) - 6% Cash-back, On Grocery, Dining, Online Transactions... https://forum.lowyat.net/topic/3219080 This post has been edited by fly126: Aug 13 2014, 10:48 PM |
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Aug 13 2014, 09:29 PM
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#145
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(*devilelle* @ Aug 13 2014, 10:09 AM) TQI'm staying in the East M'sia where most of the dining are not applicable here. It won't be much benefit if the cash back is on dining. Majority of the grocery shops are not available here  Maybank 2 cards benefits are more on amex but in East M'sia, amex are hardly acceptable https://forum.lowyat.net/index.php?showtopi...post&p=67010433Btw, You can Check on Which Place do Accept Amex in East Malaysia at: https://forum.lowyat.net/topic/2819336 If You still Interested to get MBB 2Cards (1 of the BEST CC now), maybe later...  This post has been edited by fly126: Aug 14 2014, 01:23 AM |
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Aug 14 2014, 04:31 PM
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#146
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(*devilelle* @ Aug 14 2014, 12:23 PM) no point having so many cards and need to pay gst. some more, not much places I can use here. 1st Year there will be Annual Fee Waiver subject to 3x Swipes within 60 Days from the Card's Approval Date... thanks for all the advices. I guess I upgrade my RHB and apply Citibank. Btw, is can Citibank card be waived annual fee? As for the Subsequent years, just call-in Customer Service to Request AF Waiver, It should be No Problem to get Waiver cost You're already a Regular User to their CC...  ME a Citi CB Plat. (2013) & Clear (2011) CC User also NO Problem to have MY Annual Fees to Waive with just a Call... Btw, As U Asking This at RHB Thread: QUOTE Just curious whether it is worth it to upgrade my RHB visa classic to RHB platinum. The annual fee($500) can be killing !! OR with an Accumulative Card Spend of RM36k p.a also can Enjoy Auto-Annual Fee Waiver... But Anyway, I think as long You're RHB Cardholder, AF can EZly be waive by Calling CS. cos Years ago, RHB have called me 2x Begging me to keep their CC as long as possible & with a Lifetime Fee Waiver for ME  At the End, I just Keep the Card for Another Year but now already Cut-off due to I got 10+ Other Cards to Feed...  This post has been edited by fly126: Aug 14 2014, 09:54 PM |
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Aug 15 2014, 11:48 AM
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#147
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(fly126 @ Aug 8 2014, 11:28 AM) Yup, RHB are Much Better even they got a Free Toll 1800 CS service ... Actually now RHB got "10 Minuets Instant Card Issuance" Service at Certain Branch with Card Approval on the Spot, U can have a Try there.... http://rhb.com.my/cards/credit-card/instan...d/#.U-RApOOSx3s QUOTE(fruitie @ Aug 15 2014, 11:19 AM) Yes, so long annual income is above RM 36k. You can have as many as you want but you might be suffering from GST and annual fees (if any). How's Going...???   |
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Aug 15 2014, 11:52 AM
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#148
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(*devilelle* @ Aug 15 2014, 09:10 AM) are we allow to have sooooooooo many cards Major Reconstruction NEEDED by Next Year...  ? |
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Aug 15 2014, 09:26 PM
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#149
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(*devilelle* @ Aug 15 2014, 12:30 PM) Thanks Wish U Luck on Your Apps, do Update with Us Later isn't that the more card you have then you will tend to use more   This post has been edited by fly126: Aug 15 2014, 09:30 PM |
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Aug 15 2014, 10:03 PM
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#150
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(do117 @ Aug 15 2014, 08:34 PM) 1. Annual Income: Between 30k and 35k I) Hong Leong Mach https://forum.lowyat.net/index.php?showtopi...post&p=693940372. Free Lifetime Annual Fee: A Must 3. Card required for: i dine a lot, and i buy items online sometimes 4. Existing credit cards if any: Nope 5. Looking at CC from: Nil 6. Others: Im sorry if I sound stupid, but I want a credit card that allows me to buy item anywhere around the world through online like ebay,websites without any problem OR II) CIMB Cash Rebate MasterCard (Free for Life) with... 5% Cash Rebate on e-Commerce (online spend), 2% Cash Rebate on Petrol & Groceries http://www.cimbbank.com.my/creditcard/atta...2028%20July.pdf OR Just Plain, III) OCBC(Blue/Pink) Mastercard - Unlimited 1% Cash Back on Everything Spend + Lifetime Fee Waiver This post has been edited by fly126: Aug 15 2014, 10:05 PM |
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Aug 15 2014, 11:28 PM
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#151
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(do117 @ Aug 15 2014, 11:02 PM) hi thanks for your response, what about credit card mainly for dining? In that Case... im deciding whether to side with e-commerce or dining, would be better if i able to compare  HLB Mach will Suits You Better with, 5% Rebate All Dining Outlets & 1% Off for All Online Spend But... Need to pay RM5 Subscription Fee every 3 months to enjoy additional categories of Cash Back of the Card More Details: https://forum.lowyat.net/index.php?showtopi...post&p=69394037 Btw, on Other Option: Public Bank Visa Signature - 6% Cash-back, On Grocery, Dining, Online Transactions, U Need to have Annual Income RM100k baru can Apply...  Actually, Rarely to have an Entry Level Credit Card (Income Requirement RM24k-36K p.a) with Good Rebate on Dining... This post has been edited by fly126: Aug 15 2014, 11:46 PM |
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Aug 18 2014, 12:58 AM
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#152
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Senior Member
4,404 posts Joined: Jun 2012
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Edited 2X Post...
This post has been edited by fly126: Aug 18 2014, 01:03 AM |
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Aug 18 2014, 01:00 AM
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#153
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(Kr0ll3R @ Aug 17 2014, 11:33 PM) 1. Annual Income: RM40k Hong Leong Bank Wise - 10% Rebates with 10X Retail Transactions (min. RM50 per transaction) & Capped RM100 Cash Back/Month2. Free Lifetime Annual Fee: Not Really 3. Card required for: Mainly for Petrol, Utilities, & Groceries 4. Existing credit cards if any: None 5. Looking at CC from: UOB One Card & Maybankard 2 Gold Card 6. Others: UOB card mainly for BHP (5%+2%) while Maybank 2 Gold Card for paying off utilities via m2u & groceries shopping on weekends and also to serve as a backup if the petrol quota for UOB used up. Good combo? Any cons? Appreciate your kind reply. https://forum.lowyat.net/topic/3156131 This post has been edited by fly126: Aug 18 2014, 01:13 AM |
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Aug 18 2014, 12:54 PM
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#154
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(*devilelle* @ Aug 18 2014, 10:49 AM) Wrote to RHB Card Centre and hope that they will upgrade my card but I am being requested to visit their nearest branch I think You also Need to Submit Your Latest Income to Proceed a Card Upgrade, that's why They ask U go to their Nearest Branch or U can sent Your Documentation by email but Whether they X Accept Your Apps (Request) thru email...??? I thought I can be a bit lazy  This post has been edited by fly126: Aug 18 2014, 12:57 PM |
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Aug 18 2014, 02:23 PM
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#155
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(yshiuan @ Aug 18 2014, 01:01 PM) 1. Annual Income: RM40k Pls, Refer the Post Below for Your Recommendation... 2. Free Lifetime Annual Fee: Yes 3. Card required for: Petrol, Utilities, Dining & Groceries, in other words is cash back la. Most of the time will spend less than RM50 for each transaction. 4. Existing credit cards if any: None 5. Looking at CC from: UOB One Card, or a good week day card 6. Others: QUOTE(Kr0ll3R @ Aug 18 2014, 01:29 PM) Hi, thx for the reply. Then You Should Consider to Opt Between:Yes, that was the first choice of cc but after calculate it back. I have to make minimum of rm50 which I have to ensure 10 transaction per month to entitle for the cashback. As i don't make 10 transaction that much in a month and after much consideration, I end up with those 2 card choices. I) Maybank 2Cards https://forum.lowyat.net/index.php?showtopi...post&p=68551797 or II) UOB 1 Card https://forum.lowyat.net/index.php?showtopi...post&p=68505615 or III) CIMB Cash Rebate Gold MasterCard (Lifetime Fee Waiver) - 5% Cash Rebate on e-Commerce, 2% Cash Rebate on Petrol & Groceries http://www.cimbbank.com.my/creditcard/atta...RebateMCFin.pdf This post has been edited by fly126: Aug 18 2014, 02:38 PM |
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Aug 18 2014, 02:48 PM
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#156
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(*devilelle* @ Aug 18 2014, 02:36 PM) The email stated that I have to sign the PDPA declaration!! I thought all this while the bank only send us notice but never requested us to sign anything Aiks... Better You go to Bank to do This, hassle free... Do Remember to Capture Any Doc. that You have Sign later in Case any Happen... |
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Aug 19 2014, 12:07 AM
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#157
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(skyssz @ Aug 18 2014, 11:04 PM) 1. Annual Income: RM36000 HLB Wise - 10% Rebates with 10X Retail Transactions (min. RM50 per transaction) & Capped RM100 Cash Back/Month with NO Annual Fee Waiver (RM160/ RM300)2. Free Lifetime Annual Fee: A Must 3. Card required for: Mainly for petrol, cash back or points 4. Existing credit cards if any: Citibank Clear 5. Looking at CC from: Others than UOB ONE 6. Others: Nil Thank you so much !!! https://forum.lowyat.net/topic/3156131 Lifetime Fee Waiver Card, Maybank 2Cards https://forum.lowyat.net/index.php?showtopi...post&p=68551797 OR CIMB Cash Rebate MasterCard- 5% Cash Rebate on e-Commerce(online spend), 2% Cash Rebate on Petrol & Groceries http://www.cimbbank.com.my/creditcard/atta...RebateMCFin.pdf |
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Aug 20 2014, 10:35 PM
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#158
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(one punch man @ Aug 20 2014, 03:28 PM) 1. Annual Income: RM60k How About Citibank Visa Cash Back Platinum...??? 2. Free Lifetime Annual Fee: no but at least the cash rebate/points can offset the anuall fee substantially 3. Card required for: Cash back or points equivalent to cash back for usage on weekdays and retails. 4. Existing credit cards if any: MBB 2card, HLB Wise, CIMB plat cash rebate 5. Looking at CC from: Any bank 6. Others: already have WISE for = petrol and utilities only, MBB AMEX = any place that accept it and on weekend, CIMB Cash = rarely used coz the ecommerce mcc is troublesome. all cards hit rebate capping every month. so im looking for another cards to be used on weekdays and where amex cannot be used. thanks Up to 5% Cash Back on Petrol...  https://forum.lowyat.net/index.php?showtopi...post&p=67010433 OR Citibank Rewards Platinum (5X Rewards Points) http://www.citibank.com.my/english/credit-...rdsplat/faq.htm QUOTE ...anyone familiar with citibank? saw they have promo rm300 rebate for new visa card application... Citibank (Online Apps)Credit Card Campaign RM250+RM50 Cash-Back https://www.citibank.com.my/english/forms/i...CCACBENHOMEHB02 T&Cs: https://www.citibank.com.my/english/forms/i...ck-Campaign.pdf This post has been edited by fly126: Aug 20 2014, 11:10 PM |
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Sep 2 2014, 12:48 AM
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#159
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(yshiuan @ Sep 2 2014, 12:05 AM) any good from Hong Leong Essential? i din see anyone recommending it Hong Leong Essential (Annual Fee Waiver subject to 12x Swipes a Year)ppl recommend me UOB One, but after seeing so many limitations i started to look for other cc *1% Unlimited CashBack (Cash-Back is Subject to Min. Retail Spend of Rm100/Month + NO Rebate given on Petrol) *Low Cash Advance Fee of 2% (Others CC- 5%), Which's Good for Emergency Cash Urgently Needed... *Low Cash Advance Interest Rate at 10.8% p.a (Others- 18% p.a), as I think So far is the Lowest Rate Among All the Banks in Malaysia As an Identical Twin to HLB Essential... OCBC(Blue/Pink) Mastercard with an Unlimited 1% Cash Back on Everything Spend + Lifetime Fee Waiver with No T&Cs Applied to, just a Nice & Simple FREE for Life CC... This post has been edited by fly126: Sep 2 2014, 01:31 AM |
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Sep 16 2014, 10:44 PM
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#160
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(rae0724 @ Sep 16 2014, 10:36 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 |
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