Thank you for having this thread and sharing your recommendation:

1. Annual Income: leave blank.

2. Free Lifetime Annual Fee: Preferably YES.

3. Card required for: I spend in overseas and airfares.

4. Existing credit cards if any: Standard Chartered Master card(Am deciding to cancel it very soon).

5. Looking at CC from: No idea, that's why I need some recommendations.

6. Others: I want 2x or 3x or even 5x for overseas spending. Great reward program like what Citibank and Maybank and HSBC is having. Looking at these 3 banks for now.

Thank you.

For overseas usage online or in person, you can consider Maybankard Visa Infinite, Allaince Bank Visa Infinite and UOB Visa Infinite where all these 3 cards earn you 5X reward point. However, the Maybank Visa Infinite has the best Enrich Miles conversion rate.

Click here to read my review of the Maybankard Visa Infinite. Please note that Maybank has revised the Treats Point for redeeming stuff last August and now we need 12.500 Treats Points to redeem RM50 cash voucher.

Click here to my article My Son Is Going To The USA Again on Business Class. In this article I compare the above said 3 cards for Enrich Miles.

Click here to read my article The Best Credit Card for FREE Entries to Aiirport Lounge. In this article once again I compared the 3 cards mentioned above.

As for Annual Fee, first year all FREE, 2nd year onwards see below:

Maybank VI annual fee waived with RM50K spending.

Hello Gen-X, thanks for the recommendation.

Actually am looking into Maybank Visa Infinite now. But I can see The Maybank Manchester Visa Infinite offer more TP, things like even when you pay for your petrol, you'll get 5x TP too.
Even when Manchester United win, you'll get 5x TP too....well, just that these days they don't win that much anymore. What will the 5x be against when Man Utd win?

Thanks for sharing.

Bro,

for cash rebate and reward points

1) Maybankard 2 Cards

a) It is FREE For Life

b) The Maybankard 2 Cards AMEX earns you 5% cash back (on Saturday and Sunday) PLUS 5X Treat Points everyday.

c) good if you can wait until Saturday and Sunday to perform transactions with your card.

d) cash back is capped at RM50/month, i.e. you earn 5% cash back up to RM1K spending on weekends in a month and after that still earn the 5X TP

Click here to Maybankard 2 Cards Thread or click here to my Maybankard 2 Cards review.

2) OCBC Titanium MasterCard

a) Annual Fee waived with 12 swipes.

b) You earn 5% cash back everyday for Petrol, Dining, Groceries, Telco and Utilities.

c) cash back also capped at RM50/month, i.e. after spending RM1K on the 5% cash back categories, you won't get a sen more in cash back.

Click here to OCBC Titanium MasterCard thread to see where you can earn 5% cash back.

Noted one of your requirement is Movie and I guess that is why you looking at the Citi Clear Card. If you do go to movie on Fridays with a partner where you get 1 for 1 free ticket at GSC, TGV and Cathay, this card is excellent. If you only go like once a month to the movie on Friday, then you should go and calculate how much you can save and then deduct the annual fee of RM90 and RM50GST to come out with the effective savings. If you don't go to the movie on Fridays, you still get discounted ticket at TGV but you got to go many times just to break even with the annual fee. Now if you go with your partner to Coffee Bean Mon-Fri, this card is good too, but then again, you got to drink lots of coffee to break even the annual fee once again, hahahaha. First year annual fee is waived and you can always decide on the 11th month if the Citi Clear Card benefited you, if no cancel it before the 12th month (before card anniversary) to avoid paying GST.

Since your annual income is RM36K, you can only apply with 2 card issuers in accordance to BNM guidelines.

So, my recommendation is,

1) OCBC TMC and MBB 2 Cards if you want cash back only.

2) OCBC TMC or MBB 2 Cards if you want cash back + Citibank Clar Card for FREE 1 for 1 movie ticket.

For overseas usage online or in person, you can consider Maybankard Visa Infinite, Allaince Bank Visa Infinite and UOB Visa Infinite where all these 3 cards earn you 5X reward point. However, the Maybank Visa Infinite has the best Enrich Miles conversion rate.

Click here to read my review of the Maybankard Visa Infinite. Please note that Maybank has revised the Treats Point for redeeming stuff last August and now we need 12.500 Treats Points to redeem RM50 cash voucher.

Click here to my article My Son Is Going To The USA Again on Business Class. In this article I compare the above said 3 cards for Enrich Miles.

Click here to read my article The Best Credit Card for FREE Entries to Aiirport Lounge. In this article once again I compared the 3 cards mentioned above.

As for Annual Fee, first year all FREE, 2nd year onwards see below:

Maybank VI annual fee waived with RM50K spending.
Alliance Bank VI annual fee waived with RM30K spending.
Alliance Bank Privilege Banking Visa Infinite - FREE FOR LIFE 
UOB Visa Infinite annual fee waived with RM50K spending, not an card feature but that's what you will be informed.

As for HSBC Visa Signature, they do offer 5X and 10X points for selected overseas spending and IT IS NOT a card feature but limited time promotion. Click here to read my article on HSBC Premier World MAsterCard and Visa Signature to get an idea and then go check out latest promo.

As for Citibank, their cards reward points not as good as the Visa Infinite mentioned above BUT click here to my Wordpress blog to read my post on 60,000 FREE Enrich Miles with Citibank PremierMiles American Express.

Now, as for airfares, I shall assume it is a local spending So for economy class, most airlines accept AMEX, therefore go get the Maybankard 2 Cards American Express and earn yourself 5X TP. Click here to Maybankard 2 Cards Thread to learn more. For Business class or First Class, go look for cards that give you buy 1 free 1

hi bro..appreciate your help in this forum..my requirement is as below..first timer on cc here

1. Annual Income: annual gross or net income?...if net income then falls under (rm30k to rm36k) if gross then falls under (rm36k to rm60k)

2. Free Lifetime Annual Fee: a must (is better right?)

3. Card required for: List all your needs. Mainly on petrol (BHP) every weekend, minor shopping, phone bill <rm50, car loan (can pay with cc?) & (home loan in 3 years time)..nothing else

4. Existing credit cards if any: Nil.

5. Looking at CC from: No preferred choice at the moment

6. Others: movie (once in a while only), dining (once in a while only), use my debit card for most of the transaction

with so many choices of cc on the market, really confuse and duno how to narrow down, kindly advice..thankss

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate Only. Probably mostly retail like groceries, dining, and some online transactions.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Open to any suitable

6. Others: First card ever. Currently have no credit history or such.

Thank you for your advice 

guys, the minimun annual income of 24k is gross or nett ?

thanks alot for the recommendation bro...appreciate it....

as for this maybankard 2 cards,,,are there any terms & condition or hidden charges that i should be aware of?...and also which cc is the second option that could consider?

Gross...
If EPF Contribution (RM220) is based on Salary Income RM2000 p.m dah Cukup...

lol my gross is 33600

How Much of Your EPF Contribution a Month....???
If Your Caruman Pekerja > RM220 = Your Salary $2000 per Month... Should be NO Problem for You to Get Credit Card 

my contribution would be 300 something, i cant recall the exact amount

i already applied for uob one card, hope my application will be approved

FYI, UOB Card EZ to get Approved, I Also got It Mine one is UOB One Platinum...
Now Come with 2 Years Annual Fee Waiver as NEW Signup....

Good Luck with Application... Do Inform When U get the Card

  will do, im applying for this card because i wanna start my financial track records 

Hi all expert here, I need a recommendation on which CC to apply for, any bank doing any great promotion now ?

1. Annual Income: >RM60K

2. Free Lifetime Annual Fee: Yes or small amount (<150 per annual) '

3. Card required for: Petrol rebate, Cash back/Rebate, AirMiles/Travel related reward? 

4. Existing credit cards if any: Subsidiary from my dad (want to terminate it after I got my card)

5. Looking at CC from: CC from any bank

6. Others: Just want it for personal use, and I use my CC mostly for petrol and travel.

Thanks in Advance !