1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must

3. Card required for: computer parts purchase, petrol, groceries and light shopping & emergencies

4. Existing credit cards if any: None.

5. Looking at CC from: CIMB Cash Rebate Gold, UOB One, Hong Leong Bank MACH (I think these are the good ones that can fit the 24k requirement or is there more?)

6. Others: What I'm actually looking for is a card that wouldn't burden me if I pay on time to avoid interest. A card that wouldn't charge me if I didn't use it. Don't plan on spending more than I can afford and end up burdening myself.

Any help will be highly appreciated.

This post has been edited by ashskywalker: Jun 9 2015, 08:33 PM

i would suggest cimb cr gold for your needs.

Thank you, highly appreciated, I did some research on my own. CIMB seems to be the choice for me too.

*Additional Info*

Might I ask what about the RHB Bank Evo card? It seems to be the same as CIMB CR Gold. Any info that you have on this?

Thanks

This post has been edited by ashskywalker: Jun 10 2015, 12:02 AM

cimb cr covers your petrol and grocery too.

1. Annual Income: >RM60K

2. Free Lifetime Annual Fee: 1st year waiver needed

3. Card required for: Travel & Lounge access if possible (bring in gf)

4. Existing credit cards if any: Maybank2kard & Public Bank Gold (BT purpose)

5. Looking at CC from: Lounge access credit card.

6. Others: None

aeon gold, rhb plat...

1. Annual Income: SGD30K

2. Free Lifetime Annual Fee: Yes & No

3. Card required for: For credit bureau malaysia record

4. Existing credit cards if any: no

5. Others: Best for overseas spending, as i working in Singapore

mbb2cards

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Yes Please

3. Card required for:Collecting Points and convert to travel air tickers

4. Existing credit cards if any: First Card.

5. Looking for: A card that has the best point to point conversion on spending. plan to accumulate the points then convert to air tix.

Thanks!

1. Annual Income: RM90k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol , Groceries, Ultility Bills

4. Existing credit cards if any: Maybankard 2 Platinum Card

5. Looking at CC from: None

6. Others: Cashback or Points Rewards

1. Annual Income: Rm30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Movie(RM150 - 200), Petrol (RM200), is there any card for point accumulating change flight ticket?

4. Existing credit cards if any: None.

5. Looking at CC from: Mach HLB

6. Others: I am thinking if I din spend, do I need to pay for any hidden charges on that month?

All sifu please help, too many card out there and i don know which one to apply.

Maybank2Cards, free for life.
No hidden charge, don't spend then don't need to pay.

Thread for Maybankard2Cards: https://forum.lowyat.net/topic/3544353/

1. Annual Income: rm50k

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: cash rebate/redemption point/anthing

4. Existing credit cards if any: Nil.

6. Others: need it to purchase a large amount of furniture/renovation/etc for a house, prefer cashback or best redemption credit cards


*i have read Maybank Gold cards, 5% cashback, maximum cash back capped at rm50 / month

Maybankard2Cards, Aeon Watami

Are there any credit cards which are best to use for buying International flights and accommodation? Offer the best foreign exchange rates, cashback or points

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Bill payment / emergencies.

4. Existing credit cards if any: None.

5. Had various CC at year 2009 end up debts.. Currently cleared all debts and cleared Ctos as well. Any idea? or need to wait 2 years removed from Ctos archive ?

for bill payment or emergency any entry level cc also can. but i would suggest something commonly good which is cimb cr gold.

Any recommendations for cc to replace ocbc titanium? Smtg like all other retail expenses 1% etc.

No annual fee is a must.

Alr hv mbb2 amex and uob one hence this is a back up card for other retail expenses which do not belong any packages groceries telco movie dining etc.

smtg like HLB essential without annual fee.

This post has been edited by DT8: Jun 14 2015, 10:29 PM

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol, Cash Back

4. Existing credit cards if any: Citibank clear+Gold shell (planing to cancel and looking for another card). Public Gold(bundle with public bank housing loan, dont know if i can cancel it or not.)

5. Looking at CC from: Not sure, need some advice

6. Others: I prefer to get cash back instead of reward points, not a heavy cc user btw, usually will only spend 1k on cc.

Can anyone advice which card is more suitable for me? Thank you.

This post has been edited by DannyChok: Jun 14 2015, 10:24 PM

if your concern is "other retail expenses which do not belong any packages groceries telco movie dining etc.", and not because of merchant not accepting amex, then you don't need another cc. just use your existing mbb2amex as it still gives you 1.25% anyway.