QUOTE(ngaisteve1 @ Feb 12 2014, 12:44 PM)
not all insurance company will accept amex, which means you will not get 5% and 2x tp (not 5x tp for insurance).Recommendation for Credit Cards V2, Please post according to Format stated.
Recommendation for Credit Cards V2, Please post according to Format stated.
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Feb 13 2014, 12:09 AM
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#21
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All Stars
11,740 posts Joined: Oct 2013 From: Her Heart |
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Feb 13 2014, 05:13 PM
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#22
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All Stars
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QUOTE(ngaisteve1 @ Feb 13 2014, 09:51 AM) watami got rebate for all insurance? i think i could not meet HLB wise spending condition to get the 10% rebate yes, aeon watami cc has 3% rebate for all insurance. but one of the requirement is you need to use the cc to achieve minimum rm3k every quarter, otherwise 0% rebate. |
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Feb 13 2014, 07:05 PM
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#23
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Feb 13 2014, 09:35 PM
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#24
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All Stars
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QUOTE(angelnkj87 @ Feb 13 2014, 09:09 PM) Income of 24k does it include bonus as I dun earn 2k a mth without overtime n meal allowance...please advise. I applied but the guy from da bank say it'll take 2 weeks...n I wanna check tomorrow but its only a week...working in a public listed company....does it help? if you have ea form, you may attach as supporting to prove you earned more than rm24k a year. yes, working in a public listed company is an advantage.This post has been edited by victorywp: Feb 13 2014, 09:36 PM |
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Feb 13 2014, 09:45 PM
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#25
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All Stars
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QUOTE(angelnkj87 @ Feb 13 2014, 09:37 PM) you need to attach it when applying. actually not needed but just an additional supporting documents. as for public listed company, unless you are working in a subsidiary company, otherwise your company has berhad at the back, which is an advantage when applying. |
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Feb 14 2014, 12:19 AM
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#26
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QUOTE(notfair @ Feb 13 2014, 11:43 PM) need recommended, thank you. go for mbb2cards https://forum.lowyat.net/topic/29892981. Annual Income: RM36k 2. Free Lifetime Annual Fee: No (best if possible) 3. Card required for: Petrol, Dining, Shopping, Oversea Transaction 4. Existing credit cards if any: Nil. 5. Looking at CC from: Any reputable bank 6. Others: being try to register to HSBC Platinum (by agent) and Citibank Clear Card (online), both rejected. |
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Feb 14 2014, 12:37 PM
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#27
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QUOTE(cybpsych @ Feb 14 2014, 09:13 AM) been reading few months now in this card subforum, still cant decide (for now) the better complement for mbb2cards AMEX. with your low monthly expenses, i think it's good enough to use only mbb2cards so that you won't incur another gst for the new cc. 1x tp from mbb2visa/master equals 0.4% which is also better than the 1% ocbc tmc when the gst kicks in (for your case). because the gst for mbb2visa/master is combined with mbb2amex so there is no additional cost for you to bear.Purpose: Searching for Visa/Mastercard for retails not accepting AMEX. 1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: Yes 3. Card required for: Cash Back/Rebate Only 4. Existing credit cards if any: Maybankard 2 Cards Gold 5. Looking at CC from: Any cards that give better than 1X TP from mbb2card Visa. 6. Others: -- Monthly spending <RM1K (average RM500-600, inclusive petrol of ~RM200). Non-frequent dining out (usually kopitiam -- No problem using AMEX on weekends for petrol, Unifi, Tesco, Paypal (US retailer). -- Possibility to waive RM50 GST, by points or waiver. -- So far, OCBC Ti is OK for general use. No GST waiver is turning me off thanks! |
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Feb 14 2014, 01:43 PM
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#28
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Feb 14 2014, 11:46 PM
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#29
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QUOTE(cybpsych @ Feb 14 2014, 04:53 PM) in a year, averaging <1K per month. if that's the case, you can go for aeon watami cc. 3% quarterly rebate capped at rm150 per quarter. but one of the requirement is that you need to swipe minimum rm3k per quarter to qualify for the 3% quarterly rebate. it can be any transaction except for petrol.i recently swiped 2.5K using mbb2card visa (amex not accepted by the merchant), hence was considering a 2nd card for such "big" purchases. i foresee 2-3 more such transactions (~2K per swipe) within this year. |
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Feb 18 2014, 04:55 PM
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#30
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QUOTE(nys_1984 @ Feb 18 2014, 04:31 PM) 1. Annual Income: 60K thought of advising you for mbb2cards but since you have been rejected 3 times...2. Free Lifetime Annual Fee: Free 3. Card required for: Dining, Shopping 4. Existing credit cards if any: Pbb Visa Esso 5. Looking at CC from: Any (MBB2cards rejected me 3 times d you may go for aeon watami 3% cash rebate with max rm150 cash rebate per quarter. one of the requirement is to swipe minimum rm3k in a quarter (any day and anything except for petrol) to qualify for the 3% cash rebate. |
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Feb 24 2014, 04:10 PM
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#31
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QUOTE(m_imrun @ Feb 24 2014, 02:01 PM) Since my salary goes into maybank, does the bank need my payslip again. So, will I get two cards then? yes, they still need your 3 months payslip.yes, you will get 2 cards if you apply for mbb2cards. for more features and benefits of these 2 cards: https://forum.lowyat.net/topic/3140027 |
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Mar 3 2014, 11:44 PM
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#32
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Mar 5 2014, 02:42 PM
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#33
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QUOTE(black_mamba88 @ Mar 5 2014, 10:41 AM) Hi guys, please do advise me for best CC for following criteria. mbb2amex (weekends = 5%+5x tp (2% equivalent), weekdays 5x tp (2% equivalent))1. Annual Income: RM30K 2. Free Lifetime Annual Fee: Free 3. Card required for: utilities (TNB, TM), Petrol (Esso), Insurance (GE) 4. Existing credit cards if any: no CC before 5. Looking at CC from: Anywhere 6. Others: Looking for cashback CC, but other also can consider. TQ... - good for utilities (tnb & tm) payment during weekends via m2u - good for petrol during weekends - insurance ge not accepting amex, but still can use mbb2master to pay with 1x tp (0.4% equivalent) = at least you don't need to apply another cc and incur another gst |
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Mar 5 2014, 02:44 PM
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#34
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QUOTE(pandera999 @ Mar 5 2014, 11:32 AM) i'm new and i plan want to apply for credit card. what i scared is the interest rate and hidden charges when purchasing using credit card. the most suitable for you and closest to all your needs is still mbb2amex.1. Annual Income: RM36K to RM40K 2. Free Lifetime Annual Fee: Must 3. Card required for: Education, Cash Back/Rebate Only (optional), AirMiles, hotel bookings, Dinning, Purchasing online store 4. Existing credit cards if any: nil. 5. Looking at CC from: Citibank, Maybank, Aeon. etc.. maybe other have better offer. 6. Others: when pay the credit card. i can pay via m2u since i hv maybank2u acc and cimb clicks. but how about citybank? |
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Mar 5 2014, 04:36 PM
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#35
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QUOTE(black_mamba88 @ Mar 5 2014, 04:27 PM) Thanks for your suggestion. if i apply this CC, they issues two card right, Amex and Visa?What different between this two other than those cashback and tp? yes it's 2 cards (amex & master OR amex & visa).amex gives you 5%cb + 5x tp on weekends, 5x tp on weekdays master/visa gives you 1x tp everyday 1x tp equivalent 0.4% (based on conversion to redeem cash vouchers) 5x tp = 0.4% x 5 = 2% This post has been edited by victorywp: Mar 5 2014, 04:37 PM |
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Mar 5 2014, 05:28 PM
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#36
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Mar 10 2014, 12:41 AM
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#37
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QUOTE(yorae9 @ Mar 8 2014, 12:22 PM) I am searching a MASTER/VISA card that give me min 2% rebate (rebate can be on form of points, not interest on enrich miles though, airasia BIG Points is OK) on overseas transaction. perhaps you may consider aeon watami cc (visa). 3% quarterly rebate for total quarterly transactions between rm3k-rm5k.monthly transaction can reach at least RM10000. Any suggestion? 1. Annual Income: RM50K to RM70K 2. Free Lifetime Annual Fee: 1st year waive must waive, New to bank 3. Card required for: overseas transaction 4. Existing credit cards if any: YES 5. Looking at CC from: please suggest me. |
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Mar 10 2014, 12:43 PM
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#38
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Mar 10 2014, 04:23 PM
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#39
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QUOTE(jenli_84 @ Mar 10 2014, 02:50 PM) UOB One Card or Citibank Cash Back Platinum better? Currently have UOB Plat but expiring in May 2014 uob one card max cb rm25 @ rm500 per month, cb credited every month, additional 2% smart$ for bhp, 10% smart$ for gsc.citibank cb plat max rm30 @ rm600 per month, need to accumulate rm50 to receive the cb. |
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Mar 14 2014, 12:03 AM
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#40
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QUOTE(GymBoi @ Mar 13 2014, 11:18 PM) Guys need some help here uob one card or citibank cash back platinum. 5% cb on petrol.1. Annual Income: RM65k 2. Free Lifetime Annual Fee: A Must 3. Card required for: Mainly Petrol ... bills 4. Existing credit cards if any: MB2C, OCBC Titanium, WATAMI 5. Looking at CC from: Anywhere 6. Others: Trying to get a card to cover my petrol expenses on weekdays ... WISE not for me as I don't think i can hit that minimum RM 50 per transaction and 10 swipes thing ... |
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