if you have ea form, you may attach as supporting to prove you earned more than rm24k a year. yes, working in a public listed company is an advantage.

This post has been edited by victorywp: Feb 13 2014, 09:36 PM

But wht abt bonus if u hv contractual bonus n ot every mth...but I only submitted 3 mths payslips as thts da requirements?

How? How? Please help

you need to attach it when applying. actually not needed but just an additional supporting documents. as for public listed company, unless you are working in a subsidiary company, otherwise your company has berhad at the back, which is an advantage when applying.

I only gave 3 mths payslips as my company has berhad behind it...an I hv fixed bonus n my dept will hv ot towards rnd of each mth as I am in accounts dept...all the 3 mths payslips I provide stated clearly tht I did hv ot n nett of epf n socso is already 2k despite basic is only close to 2k by less than 200...my chances ar? ₩ pleasr advice

If Your (Pekerja) EPF's Contribution is > RM220 = Your Monthly Salary $2000 Sudah Qualify You to Apply Credit Card, So Not too Worries with it...

need recommended, thank you.

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: No (best if possible)

3. Card required for: Petrol, Dining, Shopping, Oversea Transaction

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any reputable bank

6. Others: being try to register to HSBC Platinum (by agent) and Citibank Clear Card (online), both rejected.

This post has been edited by notfair: Feb 13 2014, 11:44 PM

go for mbb2cards https://forum.lowyat.net/topic/2989298

been reading few months now in this card subforum, still cant decide (for now) the better complement for mbb2cards AMEX.

Purpose: Searching for Visa/Mastercard for retails not accepting AMEX.

1. Annual Income: RM36K to RM60K
2. Free Lifetime Annual Fee: Yes
3. Card required for: Cash Back/Rebate Only
4. Existing credit cards if any: Maybankard 2 Cards Gold
5. Looking at CC from: Any cards that give better than 1X TP from mbb2card Visa.

6. Others:

-- Monthly spending <RM1K (average RM500-600, inclusive petrol of ~RM200). Non-frequent dining out (usually kopitiam )
-- No problem using AMEX on weekends for petrol, Unifi, Tesco, Paypal (US retailer).
-- Possibility to waive RM50 GST, by points or waiver.
-- So far, OCBC Ti is OK for general use. No GST waiver is turning me off

thanks!

with your low monthly expenses, i think it's good enough to use only mbb2cards so that you won't incur another gst for the new cc. 1x tp from mbb2visa/master equals 0.4% which is also better than the 1% ocbc tmc when the gst kicks in (for your case). because the gst for mbb2visa/master is combined with mbb2amex so there is no additional cost for you to bear.

thanks victorywp!

was considering the same too. keep mbb2cards as is. dont waste unnecessarily by paying gst to govt

if your monthly expenses reach over rm1.5k, then maybe you can consider another cc.

in a year, averaging <1K per month.

i recently swiped 2.5K using mbb2card visa (amex not accepted by the merchant), hence was considering a 2nd card for such "big" purchases.

i foresee 2-3 more such transactions (~2K per swipe) within this year.

This post has been edited by cybpsych: Feb 14 2014, 04:54 PM

if that's the case, you can go for aeon watami cc. 3% quarterly rebate capped at rm150 per quarter. but one of the requirement is that you need to swipe minimum rm3k per quarter to qualify for the 3% quarterly rebate. it can be any transaction except for petrol.

thanks again for the recommendation

since you were using your ocbc each time you amex got rejected i think you have some idea and can calculate if you can hit the 3k every quarter, anyway this is a good card too when you have maxed out your amex rebate
((3% better than 2%(5xTP))

i only have mbb2card gold (amex+visa). that's it. since the introduction of GST, i've been avoiding getting 2nd/3rd card (banks) to spread and optimize my spending/cashbacks.

chances are, i wont be hitting even 1K spending per month, let alone every quarter

only on certain occasion i hit high spending, eg car accessories (definitely wont accept amex), computer parts, and upcoming insurance.

if i can foresee consistent >1K spending per month, Aeon Watami is a better choice. next would be OCBC TMC.

thanks for the feedback!

1. Annual Income: 60k

2. Free Lifetime Annual Fee: preferable Free

3. Card required for: Online Purchases (ebay, GSC, etc etc)

4. Existing credit cards if any: Citi CB

5. Looking at CC from: Any bank except UOB

6. Others: I need a card that provides benefit for online purchases. CL doesnt need to be high

Here are the Recommendation:

I) Maybank 2Cards (Amex) with 5% Cashback on Weekends Spend

II) CIMB Cash Rebate Platinum MasterCard http://www.cimbbank.com.my/creditcard/atta...mber%202014.pdf
5% Cash Rebate on e-Commerce spend

III) UOB Vox Card with...
5% cash rebate on all online spending with a minimum spend of RM50 & the Cash Back Capped at RM50 per Month
But, Need to Make 1 Transaction / Month or they Will Charge You RM6 Maintenance Fee per Month https://www1.uob.com.my/assets/pdf/tnc/ccTN...d_Cash_Back.pdf

IV) HLB Mach - 1% Off for All Online Spend... Need to pay RM5 Subscription Fee Quarterly to Enjoy Additional Categories of Cash Back. But Anyway It's Annual Fee Waiver Subject to 12x Swipes p.a.

V) 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... http://www.rhb.com.my/cards/credit-card/cc_signature.html

VI) HLB Essential with 1% Unlimited Cash Back (Without Petrol Purchase) & Annual Fee Waiver Subject to 12x Swipes p.a.

VII) OCBC Titanium - Unlimited 1% Cash Back on Any Spend & Free for Life with No Annual Fee

This post has been edited by fly126: Mar 18 2014, 12:10 AM

1. Annual Income: 60K

2. Free Lifetime Annual Fee: Free

3. Card required for: Dining, Shopping

4. Existing credit cards if any: Pbb Visa Esso

5. Looking at CC from: Any (MBB2cards rejected me 3 times d )