Please refer to post #685 for your recommendation which is CIMB Cash Rebate Platinum Mastercard. You may also apply for Maybank 2 Cards if you use your card on weekend on American Express .

To be honest, you already have the best card combo for petrol in wise, mbb amex and uob one. If you need another one, you have to apply for Public bank Esso Mobil Visa Gold Card. But your choices of petrol kiosk is limited to Petron only and you have to pump at least RM 800 per month to get 5% CB! Any amount lower will result in lower % .

Yes, It is possible provided you pledge FD with them. 2 weeks ago my nephew applied that way and got approved. And his salary is RM1500 so you stand a good chance if you are willing to pledge.

I really wish to recommend Maybank 2 Cards to you but your income is not there yet. Since your petrol usage is heavy, you may as well apply for Hong Leong Wise Gold Card. Your petrol spending alone will earn you RM 80 but you must make at least 10 transactions a month with minimum amount of RM50 each to activate that month CB.

No. In fact it is charged when your application is approved. Basically it is charged even b4 you activate the card !!

Your petrol usage is heavy! UOB One no doubt is easier to apply but capped at 500 (am i right?) and the 900k allocatement probably runs out at the middle of the month !!

The agent is wrong. Petrol trnx of RM 50 & above counts . My missus category is Petrol & Utility. The bulk of the trnx is for petrol (8 trnx /month) . CB comes in every month as normal ! BTW remeber to apply for Gold Wise instead of Platinum one as the benefit for both cards is the same but platinum is charged RM 300 AF while gold is RM 160.

This post has been edited by Wongchoy: Jun 13 2014, 08:31 PM

The aquiring bank will assign the code according to their business. Grocery merchant is listed as MCC5411. At present most supermarket and hypermarket are MCC 5411 including Hero TMG Mydin as well. As a Hong Leong Wise Card user, i even have grocery rebate at places like meat butcher and chinese medicine shop!

MBB2 Cards don't have paywave/paypass features. But Thursday got buy 1 free 1 at TGV.

First of all, you have to identify which merchant offers 0%EPP for motorbike. Then you have to apply for the card from the bank which is eligible for EPP at that merchant. But be aware of the credit limit which comes with the card. Your income suggest that your credit limit will be around RM5k . So you may have problem to have your EPP transaction approved if your bike cost < RM4k.

Yeah.. try to kecoh the manager kuat kuat . Who knows maybe you won't need to pledge after all, just like me.

The manager found out i was rejected due to CTOS by P1.com and he is willing to bring my case up . As for the setem hasil, have to forget it lor.

Yes they do.

From what i know the minimum CL for VS is 30k and VI is 40k. Your pledge should be more than 30k for premium cards.

OK. First and foremost you will need a FD account. If you don't have one, go and open one. After you got your FD cert, tell the officer you want to pledge this FD for credit card. From there onwards a knowledgeble officer should be able to assist you. Apart from the normal credit card application form, you are required to fill a "Right to set off" form and pay setem hasil. After all your form is filled and signed, the officer will submit the credit card application form, your FD cert and the right to set off form to card center for processing.

You have to refer to the branch for answer but generally multiple cert should be ok.

2 weeks . Pls submit whatever income documents you may have. If you don't submit any, your application will be rejected.

CIMB Platinum Rebate Mastercard.

Since you have MBB2, your option include CIMB Rebate Mastercard, UOB One Visa, and if you can take on the challenge, Hong Leong Wise Card.

Huh? Unavailable ?? Then you only left Hong Leong Essential Card.

If you only want to add just one more card then you won't be able to maximise your spending potential. If that is what on your mind, then choose CIMB Cash Rebate Mastercard.

As long as MBB 2 cards and Hong Leong Wise Card is around, this is not a good deal.