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

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victorywp
post Jun 16 2015, 04:16 PM

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QUOTE(DT8 @ Jun 16 2015, 04:08 PM)
understood. in this case, is there any substitution? i prefer cash back instead of cash value/vouchers. smtg like HLB essential?
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essential is 1% for all retail transaction but excluding petrol. also minimum rm100 transaction per month.
ocbc ge is 1% for all retail transaction but limited to rm1k only.
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
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.
victorywp
post Jun 24 2015, 12:54 PM

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QUOTE(GG_AT3 @ Jun 24 2015, 11:45 AM)
Need recommendation  icon_question.gif :

1. Annual Income: RM30K to RM40K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Fuel, Utilities, groceries and others.

4. Existing credit cards if any: n/a

5. Looking at CC from: Got offer for Maybankard2 gold

6. Others: Cash rebate

Thanks
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accept the offer from mbb2cards. it's good for your needs. you may go to mbb2cards thread for more information.
victorywp
post Jun 26 2015, 11:41 AM

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QUOTE(zuiichi @ Jun 25 2015, 03:21 PM)
Need recommendation icon_question.gif :

1. Annual Income: RM35k
2. Free Lifetime Annual Fee: YES

3. Card required for: Petrols, Celcom bills, TNB & unifi, groceries ( roughly rm1000 per month), casual online

4. Existing credit cards if any: none

5. Looking at CC from: MBB2golg cc (amex)(aso i dont have one,do i need to register saving account?)

6. Others: Cash rebate only,
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yes, get a mbb2gold first. not necessary to register savings account.
victorywp
post Jun 26 2015, 11:47 AM

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QUOTE(cloudstrife07 @ Jun 26 2015, 10:54 AM)
thanks fruitie. is HLB Wise really hard to get? since i saw on previous posts ppl are recommending MBB2Cards too  sweat.gif
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not because hard to get the card. perhaps because hard to get cb because you need to achieve min >rm50 10 times to activate the cb. also due to the chances of your final 10% cb being reduced after counting in the af fee from 2nd year onwards. the best is to maximise getting rm100 cb every month to be able to really gain from using hlb wise.
victorywp
post Jun 26 2015, 04:14 PM

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QUOTE(fruitie @ Jun 26 2015, 03:32 PM)
Yes, fresh from oven.. Just announced.
It will be reduced EXCEPT for dining purpose only...
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missing a word there?
victorywp
post Jun 27 2015, 12:09 PM

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QUOTE(ic no 851025071234 @ Jun 27 2015, 10:17 AM)
Eh sorry got accept wor. Just I dunno y the cashier never put Amex sign but only visa andd master
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good to hear that. if not, you may use aeon watami cc.
victorywp
post Jun 27 2015, 11:53 PM

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QUOTE(BaDKiDz @ Jun 27 2015, 06:33 PM)
Hong Leong wise cb can activate if u spend 500 with the cc rite? I read it from hlb website.. Or 50x10..
Any branch open weekend wanna apply..
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no, rm50 x 10 times.
victorywp
post Jul 8 2015, 10:22 PM

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QUOTE(andyfriends @ Jul 8 2015, 05:41 PM)
1. Annual Income: RM100K to RM150K .

2. Free Lifetime Annual Fee: No .

3. Card required for: List all your needs. Cash Back/Rebate for dinner and insurance and/or Free LCCT Lounge Access

4. Existing credit cards if any: MBB 2 cards, ocbc titanium .

5. Looking at CC from: none

6. Others: i dont mind applying for 2 cards for the captioned benefits
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pbb vs 6%
aeon watami 3%
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