wow, thank you for such a detailed reply. So factoring in all the benefits, MB2K would be better? I've looked around the Internet and most are stating MB2K to be the best choice. But my colleagues however suggest that citibank is better with their promotions and offers, keeping me right at the fence at the moment. Thank you again for your time and insight.

yes, i do have the same idea with fly126 regarding his explanation on mbb2amex vs citibank.
you may sign up for ocbc titanium as a back up too after mbb2amex.

if the place you frequent has more citibank promo then go ahead. for me it is only good for movie and coffee bean thus it is not in my high usage priority card.

Thank you all for your recommendations. Really appreciate the help! Will apply MBB2amex once I get my payslips. Just go a raise to qualify me for the MMB2amex gold.

1. Annual Income: above 24k

2. Free Lifetime Annual Fee: A must

3. Card required for: Mostly Petrol, Dining and Groceries. (Preferable Cash Back/Rebates)

4. Existing credit cards if any: Nil.

5. Looking at CC from: any banks will do, as long as i can apply it at Klang

6. Others: Just Graduated been working Since November 2013. Wanna Sub-card for my mother with no charges on that.

Since you are earning less than RM30K currently, you can't qualify yet for the FREE FOR LIFE Maybankard 2 Cards.

Click here to my article The Best Credit Card Combination 2014 where I prepared a table of comparison between cash back cards.

IF you do spend RM500 a month on petrol or groceries or dining (pick 2 out of 3), then the HLB WISE credit card will earn you most in cash back BUT only the first year annual fee is waived.

For petrol, if you pump less than RM300, then the UOB may be good for you where you can earn 5% cash back or MAXIMUM cash back of RM15/month. And if you can pump at BHP, you get extra 2% $MARTCASH. First year is FREE, subsequent years they do have auto annual fee waiver if you swipe 60 times a year (which works out to be 5 times a month). But you can request for annual fee waiver and the chance of getting it pretty good.

Now, since you are only earning about RM2K/month, I strongly suggest you do not give your mum a supp card or to anyone because if they were to max out your credit limit, you may be in debt and it is not good for a young person. I am not implying that your mum will max out your credit card, it may be she lost her supp card and someone go charge the card and she failed to inform you in time and the bank will say you are liable for the charges, better to be safe than sorry, i.e. be kiasu.

Since you new to credit card, click here to my Tutorial Page and read my article especially CC101 and Credit Card Interest Rates.

Once your annual income touches RM30K, go apply for the FREE FOR LIFE Maybankard 2 Cards.

This post has been edited by Gen-X: Jan 17 2014, 01:42 AM

The salary part is counted by gross or nett?

gross

You Should Consider with,
I) OCBC Titanium MasterCard - Unlimited 1% Cash Back for Everything + is Free For Life with No Annual Fee

II) UOB ONE Classic Card - Pure Cash Back Card Currently 1 of the Best Card for Graduate
You can Earn Cash Rebate ON:
* 5% for Petrol Cash Rebate [capped at RM300 for UOB ONE Classic card per month.]
* 2% Cash Rebate for Groceries [capped at RM1,000 for UOB ONE Classic card per month.]
* 2% Cash Rebate for major mobile service providers (Maxis, Digi and Celcom) [capped at RM200 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% at Pharmacies
& 0.3% on All Other Daily Spend
*Enchanted with UOB SMART$ Cash Rebate Privileges http://www1.uob.com.my/webpages/SmartCash/...=780&height=540
As a NEW Signup now U will get 2 Years Annual Fee Waiver from UOB
For the Subsequent Years You can Call Customer Service to Request AF Waiver from them

This post has been edited by fly126: Jan 17 2014, 01:55 AM

Oh. If that's the case should be earning more than 30K annual income.. So I can apply for the Maybank?

YES! Go get Maybankard 2 Cards and you must at least read Page 1 of the Maybankard 2 Thread.

Hey Bro, if I only got two choice left between Alliance Platinum or Citibank Platinum (not the Rewards Platinum), which one do you think I should have? I know both have Enrich miles conversion program and allows me to use the airport lounge in KLIA.

You want the card for what? If airport lounge only -

Alliance Bank annual fee auto waived with 12 swipes.

Citi Plat you got to be like me where I need to beg for annual fee waiver.

For cash back, sure Alliance better, earn evergreen points too.

However, Citibank do have discounts at more merchants vs Alliance. Check out my facebook page, https://www.facebook.com/GenXGenYGenZ, post January 12, buta buta I saved 10% because I have the Citibank Platinum.

For Enrich Miles conversion, in my article New Toshiba i5 for RM999 with Maybankard On The Spor Redemtion and Enrich Miles Redemption., I show you a case there is no difference in value converting Treats Points to Enrich Miles to redeem Economy Class ticket versus Cash Vouchers. And that's with Maybankard 2 AMEX superb conversion rate to Enrich.

So if you ask me, if you do spend a lot at places where you can get 5X reward with the Citibank Platinum, then you should go and calculate/compared the "effective cash back", i.e. worth of Malaysia Airline Raw Fare from Citibank vs Alliance Plat Effective Cash back (based on your monthly spending) and see which gives you better value.

This post has been edited by Gen-X: Jan 17 2014, 09:59 AM

Any suggestion for overdraft installment for credit card? Which bank offered the best rate? It's better than personal loan, am I rite? (interest I mean).

Thanks in advance for the advise.

Is there any banks that can give supp card for under 18? Nearly all ive seen are for above 18

Hi all the experts here, would need some advice and recommendation for most suitable CC.

1. Annual Income: 30K (just worked for 4 months)

2. Free Lifetime Annual Fee: Waive-able

3. Card required for: Dining, Shopping, Movies and Groceries

4. Existing credit cards if any: None

5. Looking at CC from: Citibank/ CIMB/ Maybank

Checked through the threads here and noticed that CIMB DA is the most suitable for fresh grad. Could I apply at Sunway Pyramid's branch? Use to go there quite frequently.

Has applied for Citibank Clear Visa since 6 Jan (love to watch movie, so go for that card), called CS today to check on status and she told me that my application is still in processing, not found in the system. I rmb agent said about 2 weeks, maybe there's too much of public holiday oh well, seems like might got rejected.

This post has been edited by michael1208: Jan 19 2014, 03:48 PM

Guy, WTA if i alrdy own a cc from citibank, apply for another card fo same bank, credit limit will share or each card have another credit limit?

shared the same CL.

Thanks for reply, mean if my limite is 6k, den upon approve each card only have 3k limit?

This post has been edited by citronmobile: Jan 19 2014, 04:24 PM

Firstly, soon all Direct Access cards will be converted to CIMB cards.

The Clear Card is good for movies. If your application is still not shown in the system next week. Go apply online directly via Citibank website. But please be aware, the Clear Card FREE Movie Benefit is really good if you go to the movies every week with a partner but many have reported it is tough for the annual fee to be waived for subsequent years. So, if you really go to the movies every week, the savings you get is much more than the annual fee and you would be more than happy to pay it. But if you go to the movies once a month, then different story, no point getting the card. And Citibank do have many promos for shopping and dining but that is to entice you to spend more.

For general usage and on weekends, the Maybankard 2 Gold card is really good for spending up to RM1000/month. The MBB2 Amex earns you 5% cash back every Saturday and Sunday plus 5X UNLIMITED Treats Points everyday. The 5X TP itself is already very good. It works out to be 2% cash back based on 12,500 TP = RM50 cash voucher.

Click here to read my article The Best Cash Back Credit Cards Combination 2014.

ronnie did an excellent job compiling places that accepts AMEX, click here to see where AMEX cards are welcome.

If you decide you want to get the MBB 2 Cards, click here to Maybankard 2 Cards Thread, and read at least the first 2 pages and most of the answers to your questions will be answered.

This post has been edited by Gen-X: Jan 19 2014, 05:13 PM