UOB ONE Classic...
Pls Refer to Post #124 for Your Credit Card Recommendation...

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
OR
II) Maybank Islamic Ikhwan American Express® Gold Card-i
*Lifetime Annual fee waiver with no conditions attached.
*Earn 5x TreatPoints on all petrol spend.
*Express Autopay.
*Earn 2x TreatPoints on all other spend.
*American Express SELECTS Privilege.
*Free Maybankard Touch n’ Go Zing Card- Get this automatic reload card that is linked to your Ikhwan Card-i.
OR
III) Maybank Islamic PETRONAS Ikhwan Visa Gold/Platinum Card-i
- Earn 8x TreatsPoints with your PETRONAS Ikhwan Visa at PETRONAS Stations and grocery shopping during your weekend.
- Earn 5x Treat-Points at PETRONAS Stations on weekdays.
- No Annual Fee with no conditions attached.
- Collect Treats-Points and use them to redeem PETRONAS Gift-Card.
- Enjoy Mesra points at all Petronas Station with any purchase of fuel and/ or Kedai Mesra items.
- Etiqa Mutiara Takaful Plus Plan provides you with both protection and investment at only RM10 per month.
- Free Maybankard Touch n’ Go Zing Card.

This post has been edited by fly126: Nov 30 2013, 01:34 AM

Your CC's Recommendation:
I) Maybank 2Cards- A Must
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 & Used It for Enrich Air Miles Conversion... Although the Treats Point came with 3 Years Validation Period

II) UOB One Card or HLB Wise or HLB Mach
Pls Refer to My posts #122-24 Details of These Card, Just Few Posts Above Yours....

This post has been edited by fly126: Nov 29 2013, 06:52 PM

UOB One Card, Currently 1 of the Best Now...
https://forum.lowyat.net/topic/2979093/+120 Pls Refer MyPost#124 for Details
OR
Citibank Cash Back Platinum http://www.citibank.com.my/english/credit-...Code=MYCCWAB7LM Which's having the Similar Benefits with UOB One Card

But, the Citibank CB Only credit the cash back earned once you reach RM50 & If the cash rebate is less than RM50 for a particular month, the total cash rebate amount will be carried forward to the following month... Whereas UOB credit the cash back monthly into the account...

Another Cons of Citi CB Plat.... the 2% Phone Bills Rebates ONLY Available with Payments Made thru Citibank Online & One Bill Payment... Whereas You can Enjoy Phone Bills Cash Back with UOB Card from Any Payment Channel ie: at Online Portal or Pay Over the Counter...
+ U Will Get 5% + Another 2% Smart $ Cash Rebate at BHP Petrol with UOB One Card as for the Citi CB Plat. Just 5% Off for All Petrol Station

Anyway,You Can Earn More $$$ with Citibank Cash Back Platinum...
* 5% for Petrol Cash Rebate [capped at RM600 for Citibank CB Platinum card & RM500 for UOB ONE Platinum card per month.]

* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM300 for UOB ONE Platinum card per month & Citibank CB Platinum Rebate will be Unlimited as Long U Pay the Bill thru Citibank Online]

* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card & RM3,000 for Citibank CB Platinum card per month]

This post has been edited by fly126: Dec 2 2013, 01:44 PM

Your Credit Card Recommendation:
I) Maybankard Manchester United Visa Infinite or Maybankard Visa Infinite
The Best Travel & Overseas Spend Card from Maybank.
Annual Fee Principal: RM800, FREE for the 1st year
Subsequent years FREE if spend a min of RM50,000 per annum
Supplementary: FREE for life
Min. Annual Income Requirement: RM180,000
WITH,
*10,000 Treats Points upon activation of card
*2x Treats Points for every RM1 spent locally and 5x Treats Points for every RM1 spent overseas.
*Treats Points can be converted to Enrich Miles, KrisFlyer Miles or Q Miles,etc...
*Golf privileges at local and overseas golf clubs
*Dining privileges at selected eateries and restaurants

For More Details,
Maybankard Manchester United Visa Infinite http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Maybankard Visa Infinite http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

*Actually, Both of the MBB VI Card got Similar Benefits As for Myself Prefer the MU Visa Infinite coz got 5 x TreatsPoints when MU wins a Premier League Match + Others MU's Privileges...

II) Alliance Bank VISA INFINITE
Annual Fee Principal: RM800, FREE for the 1st year
*5x Timeless Bonus Points on overseas retail spend
*Annual Loyalty Rewards on cumulative spend
*Lifetime Annual Fee Waiver with minimum spend of RM30,000 within a 12-month period
*Complimentary Priority Pass membership card access to lounges worldwide
*Frequent Flyer Program via Enrich Rewards Program and AirAsia BIG
More Details: http://www.alliancebank.com.my/Personal-Ba...ssibilities-tab

This post has been edited by fly126: Dec 2 2013, 03:50 PM

For the 1st Year is Free with 3x Swipes with 60 Days from the Approval Date
On Subsequent Years, U can Call CS Request AF Waiver from them about 2-3 Months before the Card Anniversary
Usually, they will Delighted Waive It for You if used the Card Frequently...

FYI, I Never Paid a Single Cent of It (I got 2's Citi CC), so far...

This post has been edited by fly126: Dec 2 2013, 10:12 PM

Currently, These CC's Popular Like HOT Cake...

I) Maybank 2Cards - a Must
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 & Used It for Enrich Air Miles Conversion... Although the Treats Point came with 3 Years Validation Period

II) UOB One Card - a Pure Cash Card
Earn Cash Rebate ON:
* 5% for Petrol Cash Rebate [capped at RM500 for UOB ONE Platinum card & RM300 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM300 for UOB ONE Platinum card & RM200 for UOB ONE Classic card per month.]
* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card & RM1,000 for UOB ONE Classic card per month.]
* 2% at Pharmacies
& 0.3% for all Other Purchases...
*Enchanted with SMART$ Cash Rebate Privileges http://www1.uob.com.my/assets/pdf/platinum...036;partner.pdf
+ Usually They Given 2 Years Annual Fee Waiver to NEW Signup
For the Subsequent Years You can Call Customer Service Request AF Waiver from Them, As I know They Annual Fee was EZly to Waive Off as long Use the Card Frequently...

This post has been edited by fly126: Dec 3 2013, 11:26 PM

The Maybankard Visa Infinite earns the card holder 5X Treats Points overseas but only 2X for local spending.The Best Travel & Overseas Spend Card from Maybank.
Annual Fee Principal: RM800, FREE for the 1st year
Subsequent years FREE if spend a min of RM50,000 per annum
Supplementary: FREE for life

So this card is great for those who spend substantial sum of money overseas (online or in person) like in the case of rjb123 where he spend RM12K-RM15K per month on overseas transactions.

And this card is also great for Miles where he flies overseas like every other week.

But , the Maybankard VI is not good if you spend your money locally.

1. With overseas 5X Treats Points, for the VI it works out to be RM0.90 spent = 1 Enrich Mile. But for local spending where you only earn 2X TP, it works out to be RM2.25 spent = 1 Enrich Mile. Whereas our Maybankard 2 AMEX which earns us 5X TP and with conversion rate of 7000 TP = 1000 Enrich Miles works out to be RM1.40 spent locally = 1 Enrich Mile.

2. To redeem stuff other that Enrich Miles, the Maybankard VI has no advantage over the Maybankard 2 AMEX because we need the same number of points to redeem for the same item... Selected from Gen-x'Post#163 https://forum.lowyat.net/topic/2989298/+160

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 & Used It for Enrich Air Miles Conversion... Although the Treats Point came with 3 Years Validation Period

This post has been edited by fly126: Dec 6 2013, 12:29 PM

RHB Travel Money CC But with Petrol Rebates T&Cs:

- 10% Cash back on the 1st weekend* of the month
- 5% Cash back on all other weekends*
- 2% Cash back on weekdays
* Applicable at all petrol stations nationwide.
* Promotion valid from 1 August to 31 October 2013.
* Cash Back is based on 20% of total monthly retail spend. Maximum Cash Back is RM60 per month.

This post has been edited by fly126: Dec 6 2013, 12:55 PM

so... Already tak Laku...

Maybank 2 Card is FREE for Life with 5x Treat Points + 5% Cash Back on Weekend Spend (2 Amex)- A Must Have CC...
UOB One Card - 5% Off on Petrol + Others Rebate the Annual Fee Usually can be Waive by Calling Customer Service if Use the Card Frequently & Retain as a Good Paymaster to Them ...
OCBC Tit. - Free For Life with 1% UNlimited CashBack

Actually, U Should Keep All 3'CC...& the OCBC Tit. as Backup

This post has been edited by fly126: Dec 10 2013, 11:24 PM

Yes, You can Notice that, the UOB One Card having Similar Benefits with Citibank Cash back Platinum...

Citibank Cash Back Platinum Annual Fee - $195 (Income Requirement RM60k p.a)
UOB One Classic / Platinum Card Annual Fee $68 / $168 (Income Requirement RM24-60K p.a)

BUT, You Can Earn More $$$ with Citibank Cash Back Platinum...

* 5% for Petrol Cash Rebate [capped at RM600 for Citibank CB Platinum card RM300 / RM500 for UOB ONE Classic / Platinum card per month.]

* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM200 / RM300 for UOB ONE Classic / Platinum card per month Citibank CB Platinum Rebate will be Unlimited as Long U Pay the Bill thru Citibank Online]

* 2% for Groceries [capped at RM1000 / RM1,500 for UOB ONE Classic / Platinum card & RM3,000 for Citibank CB Platinum card per month]

* 2% at Pharmacies [No Capping on Both Citibank & UOB CC]

But Anyway, the Citibank CB Only credit the cash back earned once you reach RM50 & If the cash rebate is less than RM50 for a particular month, the total cash rebate amount will be carried forward to the following month... Meanwhile, the UOB credit the cash back monthly into the account...

the 2% Phone Bills Rebates of Citibank CB ONLY Available with Payments Made through Citibank Online & One Bill Payment... Whereas You can Enjoy Phone Bills Cash Back with UOB Card with any Payment Channel ie: at Online Portal or Pay Over the Counter...

+ U Will Get 5% + Another 2% Smart $ Cash Rebate at BPH Petrol with UOB One Card as for the Citi CB Plat. Just Plain 5% Off for All Petrol Station & Also Don't Forget 5%Off on GSC Tickets with UOB One Card.

But Beware with the UOB Petrol Rebates now with quota limit capped at RM900,000/ month Nationwide on 1st come, 1st serve basis... As sometimes We X get any Petrol Rebate at the Middle of the Month cos Quota dah Habis...

This post has been edited by fly126: Jan 16 2015, 02:46 AM

Maybe U Can Check up the HLB Platinum Business Card With,
*Higher Credit Limit of Up To RM 300,000
*Interest Free Credit Period Up to 60 days (56 plus 4 days grace period) absolutely interest free for all retail transactions.
*Low interest Rate of BLR + 6% p.a.
*No Annual Fee
*Low Cash Advance Fee with Low fee of only 3%
*Cheque Facility
Details On: http://www.hlb.com.my/pfs/cc/ccpbc.jsp?flag=ccpbc

U May Consider:
I) 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 & Used It for Enrich Air Miles Conversion... Although the Treats Point come with 3 Years Expiration Period

II) CIMB Cash Rebate Platinum MasterCard http://www.cimbbank.com.my/creditcard/inde...pg=cc_lu&ac=17#
5% Cash Rebate on e-Commerce spend
10% unlimited Cash Rebate on retail interest charged
2% Cash Rebate on Groceries and Petrol
2% Cash Rebate on Mobile & Utility Bill Payments (via Standing Instruction)
0.2% unlimited Cash Rebate on other retail spend

This post has been edited by fly126: Dec 22 2013, 09:18 PM

I think You should Get Maybank 2Card a MUST Have CC + UOB One Card as Spare...

I) 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 & Used It for Enrich Air Miles Conversion... Although the Treats Point came with 3 Years Validating Period

II) UOB One Card - a Pure Cash Card
Earn Cash Rebates ON:
* 5% for Petrol Cash Rebate [capped at RM500 for UOB ONE Platinum card & RM300 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM300 for UOB ONE Platinum card & RM200 for UOB ONE Classic card per month.]
* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card & RM1,000 for UOB ONE Classic card per month.]
* 2% at Pharmacies
& 0.3% for all Other Purchases...
*Enchanted with SMART$ Cash Rebate Privileges http://www1.uob.com.my/assets/pdf/platinum...036;partner.pdf
+ Usually They Given 2 Years Annual Fee Waiver to NEW Signup
For the Subsequent Years You can Call Customer Service Request AF Waiver from Them, As I know They Annual Fee can EZly to Waive Off as long Use the Card Frequently...

As for OCBC Titanium Maybe can Consider to Keep It for Your Insurance Auto Billing coz 1% Unlimited Cash-Back on Any Spend + Free For Life.
Feel Sayang If You Cut the Card with the a.k.a. the Most Difficult to Get CC from the Strongest Bank in the World, Which I Failed to Get...

This post has been edited by fly126: Dec 23 2013, 01:59 AM

OCBC have Reject Me 2X although I Submit with 3 Months Bank Statement + Others Income Document on the CC Apps...
FYI, U do have Varies CC's from Different Banks (Up to 10 Cards at the Same Time) But NO OCBC Tit....

Btw, Set a Reminder at Your Phone to Remind U is Time for Your to Start Begging (Offset) Your AF/GST maybe 3 Months before the CC Anniversary...
I also Do the Same for MY Citibank Cards, had Called them 3 Months Advance before the CC Actual Birthday & They Delighted to Waive for Me...

This post has been edited by fly126: Dec 23 2013, 10:29 AM

I) Maybank 2Cards - Free for Life 2 Signup 1 GST (5X Treat Points + 5% Off On Weekends Spend with 2 Amex)
II) UOB One Card - a Pure Cash Back Card Good on Petrol Spend & Cinema Up to 5% Off...
Currently 1 of Best Card for Graduate...
III) OCBC Titanium - Free For Life with NO Annual Fee 1% Unlimited Cash Back on Any Spend

Pls Refer to My Post #223 https://forum.lowyat.net/topic/2979093/+220 just few Posts above Yours for More Details & Go Thru Gen-X 's Post #227 for the Best Recommendation...

This post has been edited by fly126: Dec 26 2013, 12:28 AM

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...

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

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