Hi all,

1. Annual Income: RM36K - 40k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, cash back, dining, shopping and overseas spending (Hotel/airflight/shopping)

4. Existing credit cards if any: Nil

5. Looking at CC from: Maybank 2 cards

Just an overview:

I'm getting a new credit card and im a first time applicant.

I intend to use the CC for restaurants,petrol,shopping and during travel overseas.

I want to ask:

1. Is it advisable to use Amex ALWAYS whenever possible both locally and overseas? - to earn the treat points?

2. If Amex fails, then use mastercard?

3. Is Amex currency exchange rate lower than Mastercard? - benefit for spending overseas.

Thanks all.

What about the foreign currency exchange rate? amex or MC is better? (cheaper)

1. Annual Income: NA
2. Free Lifetime Annual Fee: Yes
3. Card required for: General spending
4. Existing credit cards if any: NA
5. Looking at CC from: OCBC Titanium 
6. Others: Looking for a card with at least 1% cash back with no spending requirement or tier system.

Oh too bad promo already ended. Will wait for the next promo then.

1. Annual Income: RM24k-30k <-( 2.4k is my basic ) *i working in construction company, all my petrol claim by cash... roughly 300-400 a month, how can i add it into list? And also im running some online store sales website with my partner, is it anyway i can prove that adding it into my annual income..? if yes i can reach 30k-60k..

2. Free Lifetime Annual Fee: No.

3. Card required for:Usual petrol and dining

4. Existing credit cards if any: Nil.

5. Looking at CC from: NIL

6. Others:  Petrol and cash rebate is what i need...

How come less ppl use Ambank? izit becuz its sucks? :/ just got my ambank card but dunno wanna activate it or not ><

I havent activated it, im still subject to the gst still?

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must .

3. Card required for: Petrol, Education, Cash Back/Rebate Only,

4. Existing credit cards if any: Nil.

5. Looking at CC from :-

1. Annual Income: RM 60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: Dining.

4. Existing credit cards if any: Maybankard 2 Platinum Card American Express and MasterCard. I am keeping this card for sure, as it covers most of my needs.

5. Looking at CC from: Nothing specific.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

I am looking for a credit card particularly for dining transactions, to supplement my main card, Maybankard 2 Card. I have no problem using Maybankard 2 Card for petrol and grocery transactions, as the major merchants accept AMEX.

Then again, many food and beverage outlets do not accept AMEX, and that severely limits my choices, for once-in-a-while dining occasions.

Thank you for the advice. 

victorywp

Thanks for suggesting AEON WATAMI Visa Classic Card.

To enjoy 3 % cashback, I would need to spend RM 1000 (on dining, in my case) per month, right? That is not really practical, as I am not a big spender and only perform 2 to 3 expensive dining transactions per month.

Plus, if its cashback is less than that of the Maybank 2 Card Amex, there is no reason to use AEON WATAMI Card on petrol, grocery and bill payments, instead of Maybank 2 Card Amex.

Still, let me consider it first.
Hong Leong Wise Card is too restrictive for me to use. I could select grocery and dining as my two categories. But, there is no guarantee that I will make 10 transactions of RM 50 each.

I could split my grocery bills into RM 50 (much to the annoyance of the cashiers), and also pay the mobile phone bill with several RM 50 payments. Still, I have doubt that I can have adequate transactions of RM 50 each, as I am not a big spender (overall spending for everything  = RM 1500).
What about Public Bank Visa Signature Card? I know that my annual income does not fulfil the requirement, but I can pledge fixed deposit to make the cut.

Assuming I fulfil the requirement for Public Bank Visa Signature Card income-wise, is this card suitable for my dining purpose, supplementing my Maybank 2 Card Amex?

Sorry for making this sort of "mission impossible" for you guys. Like you all, I am trying to stretch the ringgit to my benefit.

Thank you for the advice. 

Any other cashback credit card that are VISA/Mastercard?

Like 5% rebate for all kind of transaction not just limited to online transac..

RM 3000 per quarter.. Thats a lot Lolx..

Hi guys,
I want to get credit card to build my credit rating. Please advise.
One question, if I'm eligible for higher level card(eg: gold vs standard), should I go for it or just get any? Does this affect my credit rating?

1. Annual Income: RM48k

2. Free Lifetime Annual Fee: A Must .

3. Card required for: GSC cinema, travel, shopping in klia2

4. Existing credit cards if any: pb gold card, hlb basic

spending pattern is very less.
only spend in movie ticket, flight ticket , agoda room booking.

1. Annual Income: RM 120k

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: online oversea purchase, payment of phone bills

4. Existing credit cards if any: uob one platinum

5. Looking at CC from: none

6. Others: Prefer cashback, but points is acceptable, if the points are worthy. Flight points and rebate on flight tickets are good too

Thanks

Hi guys, I'm thinking of getting a secondary credit card, to supplement my main card.
Thanks!

Looking to apply my 1st credit card.
Just started to work half year ago(30k/annum)

Which credit card you guys recommend ya ?

Not getting one yet, but still thinking on the basis to build credit rating....

1. Annual Income: > rm30k

2. Free Lifetime Annual Fee: Yes, at least can be waived easily with few swipes

3. Card required for: Groceries shopping, dining

4. Existing credit cards if any: N/A

5. Looking at CC from: MBB, cimb, citibank

And do also comment on their customer service level.

But the TP will change liao right? I read somewhere maybank push out the change implementation but then what i mean is the TP no longer work out to 2.5%... but i guess the 5% cashback alone is worth it dee...