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 Recommendation for Credit Cards V2, Please post according to Format stated.

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xxx306
post Jun 17 2015, 07:39 PM

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Hi may i know which cc i can apply and get on the spot? I know maybank can do it at one utama. Besides that?
fruitie
post Jun 17 2015, 08:03 PM

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QUOTE(xxx306 @ Jun 17 2015, 07:39 PM)
Hi may i know which cc i can apply and get on the spot? I know maybank can do it at one utama. Besides that?
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RHB cards and HLB MACH but selected places and still subject to approval.
xxx306
post Jun 17 2015, 08:20 PM

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QUOTE(fruitie @ Jun 17 2015, 08:03 PM)
RHB cards and HLB MACH but selected places and still subject to approval.
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Tq fruitie. May i know where the branch? How about cimb at sunway pyramid?
chiahau
post Jun 17 2015, 08:31 PM

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QUOTE(xxx306 @ Jun 17 2015, 08:20 PM)
Tq fruitie. May i know where the branch? How about cimb at sunway pyramid?
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CIMB at KLCC also can.

HLB Mach at Midvalley / Pavillion.
fruitie
post Jun 17 2015, 09:11 PM

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QUOTE(xxx306 @ Jun 17 2015, 08:20 PM)
Tq fruitie. May i know where the branch? How about cimb at sunway pyramid?
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I don't know about CIMB. sweat.gif

HLB MACH Pavilion (next to Padini) and RHB KLCC are those I applied from. smile.gif

This post has been edited by fruitie: Jun 17 2015, 09:12 PM
sj0217
post Jun 18 2015, 08:17 AM

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QUOTE(xxx306 @ Jun 17 2015, 08:20 PM)
Tq fruitie. May i know where the branch? How about cimb at sunway pyramid?
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Citibank at sunway pyramid, 1U also got Citibank kiosk
Took my card within 60 min
MaxFangs
post Jun 18 2015, 08:59 AM

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QUOTE(fruitie @ Jun 17 2015, 05:30 PM)
Why not? This is the best card at the moment.
Basically one of the cards - AmEx which gives the best return. RM 50 cash rebate if you spend on weekends.
A lot of merchants are accepting AmEx now. This is the list built up from the users in this section: https://forum.lowyat.net/index.php?showtopic=3532126 It has list of petrol stations that accept AmEx.

For movies, Maybankard holders get B1F1 ticket on Thursdays and every day before 6.00 p.m. is RM 10/ticket at all TGVs. In addition, GSC also accepts AmEx and you can purchase using your AmEx on weekends at the counter. smile.gif
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I am sorry, din go too much for in-depth research, my bad for not doing that.

Yestheday I went to Citibank counter and Maybank2kard branch @ 1u, and you are right. Maybank offer 12-18% interest rate. where 8.88 second year onwards,
So I guess I will apply Maybank.

Thank you for your information! it is really helpful to recommend me to get this :-)
fruitie
post Jun 18 2015, 10:03 AM

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QUOTE(MaxFangs @ Jun 18 2015, 08:59 AM)
I am sorry, din go too much for in-depth research, my bad for not doing that.

Yestheday I went to Citibank counter and Maybank2kard branch @ 1u, and you are right. Maybank offer 12-18% interest rate. where 8.88 second year onwards,
So I guess I will apply Maybank.

Thank you for your information! it is really helpful to recommend me to get this :-)
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No no. Don't apply a card because of its interest, most of us apply credit cards for convenience purpose and not about interest. Interest is only for those that don't pay bills on time and pay minimum amount.

So long you pay on time and full amount, you won't be charged with interests and only get benefits and convenience. smile.gif
MaxFangs
post Jun 18 2015, 10:23 AM

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QUOTE(fruitie @ Jun 18 2015, 10:03 AM)
No no. Don't apply a card because of its interest, most of us apply credit cards for convenience purpose and not about interest. Interest is only for those that don't pay bills on time and pay minimum amount.

So long you pay on time and full amount, you won't be charged with interests and only get benefits and convenience. smile.gif
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Yea, I agree with you.

But I will pay on time definitely, just wanna secure myself from any other unexpected incident happen.

and most importantly, the main purpose i apply this credit card it is solely for movie purpose and want to keep a good payment record which ease me to apply loan in future.

hopefully it wont affect my spending behavior. icon_rolleyes.gif

fruitie
post Jun 18 2015, 10:25 AM

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QUOTE(MaxFangs @ Jun 18 2015, 10:23 AM)
Yea, I agree with you.

But I will pay on time definitely, just wanna secure myself from any other unexpected incident happen.

and most importantly, the main purpose i apply this credit card it is solely for movie purpose and want to keep a good payment record which ease me to apply loan in future.

hopefully it wont affect my spending behavior.  icon_rolleyes.gif
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If really unexpected incident happened that caused your cash flow stuck or anything, try Balance Transfer instead of paying minimum or not paying at all. There is another topic here: https://forum.lowyat.net/index.php?showtopic=3354596

Well, that comes later, now you can go and apply your credit card. tongue.gif
aeiou007
post Jun 19 2015, 09:56 AM

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Need advice, currently i pay the insurance premium by using OCBC Titanium, been using this for many years. But since May, the cash rebate has adjusted to 0.1%, and I am thinking to cancel this card, may I know which card can replace this card? Monthly payment around 3-4k, include 1k+ of insurance premium.TIA.
victorywp
post Jun 19 2015, 10:10 AM

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QUOTE(aeiou007 @ Jun 19 2015, 09:56 AM)
Need advice, currently i pay the insurance premium by using OCBC Titanium, been using this for many years. But since May, the cash rebate has adjusted to 0.1%, and I am thinking to cancel this card, may I know which card can replace this card? Monthly payment around 3-4k, include 1k+ of insurance premium.TIA.
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1) if your insurance is ge, you may convert your titanium to ge card (still 1% up to 1k)
2) if your insurance is aia, apply for pbb aia 2%
3) if your insurance is tokio marine, get mbb2cards and use your amex to pay during weekends for 5%
4) other than these, you may try hlb essential for 1% just like ocbc titanium but excluding petrol

This post has been edited by victorywp: Jun 19 2015, 10:46 AM
sj0217
post Jun 19 2015, 10:13 AM

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QUOTE(aeiou007 @ Jun 19 2015, 09:56 AM)
Need advice, currently i pay the insurance premium by using OCBC Titanium, been using this for many years. But since May, the cash rebate has adjusted to 0.1%, and I am thinking to cancel this card, may I know which card can replace this card? Monthly payment around 3-4k, include 1k+ of insurance premium.TIA.
*
You may consider for Watami Credit card (3% rebate), more information as link below
https://forum.lowyat.net/topic/3609846
aeiou007
post Jun 19 2015, 10:38 AM

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» Click to show Spoiler - click again to hide... «

nice. thanks.

» Click to show Spoiler - click again to hide... «


good, thanks.
victorywp
post Jun 19 2015, 10:49 AM

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QUOTE(aeiou007 @ Jun 19 2015, 10:38 AM)
» Click to show Spoiler - click again to hide... «

nice. thanks.

» Click to show Spoiler - click again to hide... «


good, thanks.
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sorry, for mbb2amex is 5% not 55% (typo).

for aeon watami, 3% only up to rm5k per quarter. but your monthly payment already rm3-4k = rm9-12k per quarter.
aeiou007
post Jun 19 2015, 11:25 AM

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noted. thanks.
chinzhi
post Jun 21 2015, 05:14 PM

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1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Utilities (Average monthly spend RM 3K - 4K), groceries and others.

4. Existing credit cards if any: OCBC Titanium and UOB One

5. Looking at CC from:

6. Others: Cash rebate
fruitie
post Jun 21 2015, 05:29 PM

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QUOTE(chinzhi @ Jun 21 2015, 05:14 PM)
1. Annual Income:  RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Utilities (Average monthly spend RM 3K - 4K), groceries and others.

4. Existing credit cards if any: OCBC Titanium and UOB One

5. Looking at CC from:

6. Others: Cash rebate
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Maybankard2Cards, Maybank Ikhwan Card, HLB Wise and HLB MACH.
All the individual threads are on this section, have a good read first. smile.gif
chinzhi
post Jun 21 2015, 07:44 PM

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Hi fruitie,

Noted with thanks.
Will read through those threads. smile.gif

Thank you.
fruitie
post Jun 21 2015, 07:54 PM

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QUOTE(chinzhi @ Jun 21 2015, 07:44 PM)
Hi fruitie,

Noted with thanks.
Will read through those threads. smile.gif

Thank you.
*
Also Aeon Watami, HLB Essential. smile.gif
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