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

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victorywp
post Jun 4 2015, 05:32 PM

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QUOTE(kennykong85 @ Jun 4 2015, 05:20 PM)
hi sifus,

annual income - 70k
looking for the cash back card.

monthly spending around 1.4k (petrol, insurance, bla bla)

currently holding:
1. uob plat one (using this as the main card)
2. ocbc titanium - I haven't think of the best way to destroy the card, any1 can suggest me (basically I m gonna cancel this card soon)
*
try mbb2cards
victorywp
post Jun 5 2015, 10:01 PM

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QUOTE(DT8 @ Jun 5 2015, 09:56 PM)
If anyone went to Mid valley last weekend in conjunction with the Minions-HSBC event, the sales was keep promoting how good is HSBC cards with 8% cash rebate in any day. Is it true?

So HSBC > MBB2 Cards now?
*
lol hsbc cc never better than mbb2cards before and i don't think it will... at least not in the near future. tongue.gif
victorywp
post Jun 5 2015, 10:42 PM

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QUOTE(DT8 @ Jun 5 2015, 10:07 PM)
Lol.

1. Earnings : RM40k p.a.

2. Free Lifetime Annual Fee: Yes

3. Card required for: Anything

4. Existing credit cards if any: MBB2 Amex, OCBC Ti Master (just realised the rebate has dropped to 0.1% which is pathetic) and UOB One classic.

Any suggestion for new cards? As I intend to cut OCBC soon.
*
cimb cr gold.
victorywp
post Jun 7 2015, 07:53 PM

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QUOTE(rae0724 @ Jun 7 2015, 07:07 PM)
hello.. I already have maybank 2 cards
if I want apply more.. for those shops that cannot use AMEX.. which bank credit card shud I apply?
izit Citibank card OK?
*
depends on your needs. what categories of expenses? online/petrol/dining/departmental/grocery/utility/etc.?
victorywp
post Jun 7 2015, 10:45 PM

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QUOTE(james66 @ Jun 7 2015, 08:59 PM)
Dy have maybank , any other cc recommend for weekday use

no annual fee
*
cimb cash rebate
victorywp
post Jun 8 2015, 10:20 AM

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QUOTE(chiahau @ Jun 8 2015, 09:52 AM)
Hi boss, any other recommendation for weekday cards for cashback?

Already having 2 cards and Ikhwan ( both definitely will get 50 bucks cashback due to family spending and etc ) but kinda need another card for weekdays cash back since I'm traveling out often.

Eyeing HLB Mach/Wise or UOB One or Citi's card but no idea which to pick up.

Any good recommendations?
*
yes, on top of hlb mach/wise or uob one, you may consider cimb cash rebate too.
victorywp
post Jun 9 2015, 06:47 AM

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QUOTE(rae0724 @ Jun 9 2015, 05:11 AM)
normally use amex on weekends for petrol and others dy
so i guess... mayb online buy things, or weekdays use which can cash rebate? ><
*
then you may go for cimb cr card.
victorywp
post Jun 9 2015, 06:50 AM

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double post

This post has been edited by victorywp: Jun 9 2015, 06:52 AM
victorywp
post Jun 9 2015, 10:08 PM

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QUOTE(ashskywalker @ Jun 9 2015, 02:45 PM)
1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must

3. Card required for: computer parts purchase, petrol, groceries and light shopping & emergencies

4. Existing credit cards if any: None.

5. Looking at CC from: CIMB Cash Rebate Gold, UOB One, Hong Leong Bank MACH (I think these are the good ones that can fit the 24k requirement or is there more?)

6. Others: What I'm actually looking for is a card that wouldn't burden me if I pay on time to avoid interest. A card that wouldn't charge me if I didn't use it. Don't plan on spending more than I can afford and end up burdening myself.

Any help will be highly appreciated.
*
i would suggest cimb cr gold for your needs. nod.gif
victorywp
post Jun 10 2015, 02:32 AM

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QUOTE(ashskywalker @ Jun 9 2015, 11:47 PM)
Thank you, highly appreciated, I did some research on my own. CIMB seems to be the choice for me too.  smile.gif

*Additional Info*

Might I ask what about the RHB Bank Evo card? It seems to be the same as CIMB CR Gold. Any info that you have on this?

Thanks
*
cimb cr covers your petrol and grocery too.
victorywp
post Jun 10 2015, 10:11 AM

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QUOTE(Ricky300 @ Jun 10 2015, 09:07 AM)
1. Annual Income: >RM60K

2. Free Lifetime Annual Fee: 1st year waiver needed

3. Card required for: Travel & Lounge access if possible (bring in gf)

4. Existing credit cards if any: Maybank2kard & Public Bank Gold (BT purpose)

5. Looking at CC from: Lounge access credit card.

6. Others: None
*
aeon gold, rhb plat...
victorywp
post Jun 10 2015, 01:50 PM

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QUOTE(dD_se7en @ Jun 10 2015, 01:35 PM)
1. Annual Income: SGD30K

2. Free Lifetime Annual Fee: Yes & No

3. Card required for: For credit bureau malaysia record

4. Existing credit cards if any: no

5. Others: Best for overseas spending, as i working in Singapore
*
mbb2cards
victorywp
post Jun 14 2015, 02:33 PM

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QUOTE(cse.my @ Jun 14 2015, 01:19 PM)
1. Annual Income: RM24K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Bill payment / emergencies.

4. Existing credit cards if any: None.

5. Had various CC at year 2009 end up debts.. Currently cleared all debts and cleared Ctos as well. Any idea? or need to wait 2 years removed from Ctos archive ?
*
for bill payment or emergency any entry level cc also can. but i would suggest something commonly good which is cimb cr gold.
victorywp
post Jun 14 2015, 11:07 PM

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QUOTE(DT8 @ Jun 14 2015, 10:15 PM)
Any recommendations for cc to replace ocbc titanium? Smtg like all other retail expenses 1% etc.

No annual fee is a must.

Alr hv mbb2 amex and uob one hence this is a back up card for other retail expenses which do not belong any packages groceries telco movie dining etc.

smtg like HLB essential without annual fee.
*
if your concern is "other retail expenses which do not belong any packages groceries telco movie dining etc.", and not because of merchant not accepting amex, then you don't need another cc. just use your existing mbb2amex as it still gives you 1.25% anyway.
victorywp
post Jun 14 2015, 11:07 PM

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QUOTE(DannyChok @ Jun 14 2015, 10:23 PM)
1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs.  Petrol, Cash Back

4. Existing credit cards if any: Citibank clear+Gold shell (planing to cancel and looking for another card). Public Gold(bundle with public bank housing loan, dont know if i can cancel it or not.)

5. Looking at CC from: Not sure, need some advice

6. Others: I prefer to get cash back instead of reward points, not a heavy cc user btw, usually will only spend 1k on cc.

Can anyone advice which card is more suitable for me? Thank you.
*
mbb2cards
victorywp
post Jun 15 2015, 11:30 AM

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QUOTE(ciahcra @ Jun 15 2015, 10:08 AM)
1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: Preferred, but not necessary

3. Card required for: Currently using at least RM15,000 a month for inventory purchase. Preference (in order of importance): cash back, petrol, reward points

4. Existing credit cards if any: Maybank 2 cards (Visa and Amex)

5. Looking at CC from: Any

6. Others:
*
mbb vs: https://forum.lowyat.net/topic/3299626
pbb vs: https://forum.lowyat.net/topic/3606285
victorywp
post Jun 15 2015, 04:30 PM

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QUOTE(Milo_O @ Jun 15 2015, 02:20 PM)
Any recommendation ?
*
cimb cr plat
victorywp
post Jun 15 2015, 11:55 PM

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QUOTE(ngaisteve1 @ Jun 15 2015, 10:05 PM)
For online rebate, what card is the best besides CIMB cash back rebate?
*
uob vox
victorywp
post Jun 16 2015, 09:26 AM

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QUOTE(Milo_O @ Jun 16 2015, 09:18 AM)
HLB STUPID card ?  hmm.gif  rclxub.gif
Which HLB credit card are u referring to ?
*
he meant hlb wise card. but not suitable for you since you have indicated "free lifetime annual fee is a must" but hlb wise af is chargeable.
victorywp
post Jun 16 2015, 03:49 PM

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QUOTE(DT8 @ Jun 16 2015, 03:24 PM)
how come 1.25%? I thought cash rebate only applicable to weekend? I means weekdays, all other retail expenses (no category), still get rebate at its maximum punya card  icon_idea.gif
*
your weekdays using mbb2amex still can get 5x tp which is equivalent to 1.25% cash value if redeem for cash vouchers. for weekends, you get additonal 5% on top of the 5x tp (1.25% cash value).

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