https://forum.lowyat.net/topic/1791878

http://www.hlb.com.my/pfs/cc/cc_visa-signa..._visa-signature

Not cheap to maintain having to swipe 30k per annum to waive AF but since 1st year is free no harm to sign up and cancel when near 1 year anniversary. Also on paper the required income is 80k per annum.

Can also look at RHB Signature / Platinum series, 4X entry into any lounge in Malaysia but again the annual fee waiver T&C makes it hard to be kept for long term.

My recommendation for KLIA;

1. Alliance Platinum - 60k PA income - unlimited access to KLIA lounge - AF waived with 12 swipes a year
2. New AEON Credit Card - 36k PA income - 6X KLIA lounge access per annum - 6 months 0% BT - attractive foreign exchange rate for oversea transaction (Based on my experience lower than rates on Visa website)

This post has been edited by bearbear: Dec 26 2013, 04:14 PM

Thanks for the suggestion. I'm not an avid traveller so I don't need it on the long term. I just need the first year annual fee waive (or small amount) and GST to be offset (with certain condition).

Planning to cancel it after 1 year

Previously, when it was first launched, the CIMB Cash Rebate Platinum MasterCard imposes an annual fee of RM190 for the second and subsequent years. Now, the card is FREE FOR LIFE, it changes the maximum effective cash back rate we can get from our online transactions with the CIMB Cash Rebate Platinum.

The monthly cash rebate for online transactions is capped at RM30/month, or in other words, this card is good for online transactions up to RM600/month.

To see how much you can actually earn from your online transactions with the CIMB Cash Back Plat, click the link below:

Effective Cash Back Rate with Credit Cards

I agree with fly that Maybankard 2 Cards is a good option for you since the restaurants you mentioned do accept AMEX. That is if you can pump petrol and patronize the restaurants on Saturday and Sunday.

Now, if your petrol cost jumps to RM500 a month because of your working location, then maybe the HLB WISE would benefit you more because you can get 10% cash back (you need to satisfy the 10X RM50 swipe - remember this).

As to your question do you need a CC? Well, go read my article below and based on the first table for spending up to RM1K/month, see how much you can earn back. FREE money or nothing - you decide.

The Best Cash Back Credit Card Combination 2014

1. Annual Income: rm28000 per year

2. Free Lifetime Annual Fee: looking for free, can consider minimum swipes per year (eg waiver after 60 swipes).

3. Card required for: instant cash but pay monthly/petrol/shopping/movies

4. Existing credit cards if any: Nil.

5. Looking at CC from: anybank seems im in kuala lumpur

6. Others: prefer cash back,not interested with rewards point

Pls Refer to My Post #236 https://forum.lowyat.net/topic/2979093/+220 just few Posts above Yours for More Details & Go Thru Gen-X 's Post #248 for the Best Recommendation...

Thanks Gen X

1. Annual Income: RM48k

2. Free Lifetime Annual Fee: A Must or able to easily waive it with certain amount of transactions.

3. Card required for: Online transactions rebate (better if is 5% or more)

4. Existing credit cards if any: UOB Vox, CIMB Platinum cash rebate, MBB2 cards

5. Looking at CC from: Any bank

6. Others:
Need more credit card for online transaction rebate as UOB Vox & CIMB Platinum is not enough. Always fully utilise.

This post has been edited by celaw: Dec 27 2013, 03:03 PM

Help to recommend a good Cashback/Rebate credit card for me. Must be Islamic Credit Card.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Good to have

3. Card required for: Mainly Petrol & Groceries, 0% Installments.

4. Existing credit cards if any: Maybank Visa Petronas Ikhwan - Plan to change to Cashback/Rebate Credit Card.

5. Looking at CC from: Currently looking at HSBC Amanah Mpower Visa Platinum

6. Others: Must be Islamic Card, want to find best Islamic Cashback/Rebate Credit Card for spending of ~Rm2000 monthly.

Thanks guys.

Some of Choice :
I) HLB Mach - 1% Off for All Online Spend... Need to pay RM5 Subscription Fee every 3 months to enjoy additional categories of Cash Back. But Anyway It's Annual Fee Waiver Subject to 12x Swipes p.a...

II) RHB Visa Signature With...
Unlimited 1% Cash Back on all online and overseas transactions & 0.5% Cash-Back on all other transactions
But U Need to have Annual Income RM80k baru can Apply...

III) OCBC Titanium - Unlimited 1% Cash Back on Any Spend & Free for Life without any Annual Fee

Forgotten to add above that I already have HLB Essential with 1% unlimited. So what I looking for is more than 1% rebate CC for online transaction.

I) HSBC Amanah Platinum Credit Card-i (Annual Fee Waiver Subject 12x Swipes a Year)
With Standard Features -*Unlimited 0.5 % Cash-Back on Local Spend & 1% Off on Overseas Spend
+
5% Cash-Back for Total Monthly Spend of $2000 & Below, 8% Cash Back for Total Monthly Spend of $2001 & Above...
(Cash Back on Petrol, Groceries & Dining Spend Made during Weekends Only) Valid till 31/12/2013

Actually, I Not Sure Whether HSBC will Continue the 8% Cash Back Promo on 2014, No Further Details about It ...

Since You want to Cancel Your Maybank Visa Petronas Ikhwan Why Not Consider to get...
II) Maybank 2Cards
It's FREE for Life with NO Annual Fee Came with a Treat Point (System) with 3 Years Expiration Period
*The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, & 1 statement.
*You can Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.
*5x Treats-Points for every Ringgit spent on Maybankard 2 American Express Card and 1x Treats Point on Maybankard 2 Card in Malaysia or anywhere else in the world.
* 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Card member) per month
+ Used the Treats Point to Offset Yearly GST or Used it on Enrich Air Miles Converting... Although the Treats Point came with 3 Years Validating Period

More...
Best Cash Back Credit Card in Malaysia: http://savemoney.my/best-cashback-credit-c...31c660-89724645

This post has been edited by fly126: Dec 27 2013, 10:00 PM

I also Not Sure with that...
Currently, I Think No Other CC's have Offer More than 1% Rebate for Online Spend Except UOB Vox, CIMB Platinum Cash Rebate Platinum & MBB 2 Amex (Weekends Spend) Which have giving 5% Cash Rebate

This post has been edited by fly126: Dec 27 2013, 11:50 PM

Edited...

This post has been edited by fly126: Dec 27 2013, 09:32 PM

1. Annual Income: RM36k to RM40

2. Free Lifetime Annual Fee: must

3. Card required for: PetrolCash Back/Rebate

4. Existing credit cards if any: nil

5. Looking at CC from: whatever
6. Others: nil

tq

1. Annual Income: 42000

2. Free Lifetime Annual Fee: Must

3. Card required for: Petrol, Tolls, Groceries, Service provider (Mostly Maxis and Digi)

4. Existing credit cards if any: none

5. Looking at CC from: UOB One or OCBC Titanium

6. Others: none

Not needed now but maybe in another 4-5 month where i will be outstation most of the time. If got other better option than those 2 cards that i mention, please suggest. Thank You

Maybank2Kard Amex - 5% rebate on weekend + 5xTP

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Mainly dining, second shopping.

4. Existing credit cards if any: none

5. Looking at CC from: Not sure

6. I am new to credit card, never apply before. Hope sifu here can provide me some advice. Better with no minimum spending. Thanks.

Guys, which card gives the best benefit for online spending? I already have:-
1. Hong Leong WISE card for dining and petrol
2. Maybankard 2 cards for 5% weekend cash back
3. Hong Leong GSC for cinema
4. OCBC Titanium for 1% cash back for everything else.

I also currently have the UOB One card but it's pretty redundant at the moment (except for 2% for groceries and pharmacies).

I'm thinking of getting a card that gives benefits for online spending.

Thanks.

CIMB Cash Rebate Platinum MasterCard?



URL: http://www.cimbbank.com.my/creditcard/inde...u&ct=cashrebate

they removed the 20% rebate for air ticket?