Applicable for penang?

Nevermind I already check. 10% cash back is only for movie right? Dining will be 5%?

Any catch for using this card? So far seems good for me. Maybe will apply

K Thnx. I will go apply tomorrow.

Btw the 12 swipe annual fee waiver need call every end of the year or will auto waiver?

Is it call before fee is charge or before?

Sorry is first time I apply card need to call for annual fee waiver so have tihis question

you may choose mbb2cards or cimb cr gold. both free for life and have easy payment plan with many merchants.

if you swipe today and pay the next day, there is no interest. in fact, you actually have 20 free interest days start counting from your statement date. means if you swipe on 15/6 and your statement date is 14/7, you don't need to pay interest up to 3/8. but if you swipe on 13/6 and your statement date is 14/6, you need to pay by 4/7 to avoid interest. 2 days difference (13/6 vs 15/6) can extend your interest free days from 4/7 to 3/8 (about 1 month longer).

if you don't use your card, you don't need to pay anything since these cards don't have annual fee and the rm50 gst per card has been abolished.

merchant is avoiding amex because of its higher fee towards the merchant. but users prefer to use amex because of its better rewards. so you as a user, just use amex whenever possible.

maybank had abolished the RM50 gst, but they already charge us earlier is it?

1. Annual Income: Rm30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Movie(RM150 - 200), Petrol (RM200), is there any card for point accumulating change flight ticket?

4. Existing credit cards if any: None.

5. Looking at CC from: Mach HLB

6. Others: I am thinking if I din spend, do I need to pay for any hidden charges on that month?

All sifu please help, too many card out there and i don know which one to apply.

1. Annual Income: rm50k

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: cash rebate/redemption point/anthing

4. Existing credit cards if any:  Nil.

6. Others: need it to purchase a large amount of furniture/renovation/etc for a house, prefer cashback or best redemption credit cards
*i have read Maybank Gold cards, 5% cashback, maximum cash back capped at rm50 / month

Fruitie, Thank you for your reply. but it seems this card do not giving me any benefit, which i refer to petrol / cinema.

I am keen to apply a citibank card. but it seems I am not sure what is the requiremnent.

Hi may i know which cc i can apply and get on the spot? I know maybank can do it at one utama. Besides that?

Tq fruitie. May i know where the branch? How about cimb at sunway pyramid?

I am sorry, din go too much for in-depth research, my bad for not doing that.

Yestheday I went to Citibank counter and Maybank2kard branch @ 1u, and you are right. Maybank offer 12-18% interest rate. where 8.88 second year onwards,
So I guess I will apply Maybank.

Thank you for your information! it is really helpful to recommend me to get this :-)

Yea, I agree with you.

But I will pay on time definitely, just wanna secure myself from any other unexpected incident happen.

and most importantly, the main purpose i apply this credit card it is solely for movie purpose and want to keep a good payment record which ease me to apply loan in future.

hopefully it wont affect my spending behavior. 

1. Annual Income:  RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Utilities (Average monthly spend RM 3K - 4K), groceries and others.

4. Existing credit cards if any: OCBC Titanium and UOB One

5. Looking at CC from:

6. Others: Cash rebate

Hi fruitie,

Noted with thanks.
Will read through those threads.

Thank you.

Need recommendation from sifus   

1. Annual Income: 31k

2. Free Lifetime Annual Fee: No

3. Card required for: cashback, petrol, online shopping, flight ticket, TNB, Unifi, Maxis Broadband, Celcom, insurance (Prudential), Astro

4. Existing credit cards if any: none

5. Looking at CC from: if possible HLB Wise or other cash-back cards

thanks fruitie. is HLB Wise really hard to get? since i saw on previous posts ppl are recommending MBB2Cards too 

thanks for the inputs. 

for RM50 x10 times per month i think i can achieve it. 

for maybank2cards, from what i gathered at its thread, it seems that maybank will discontinue the 5% weekend amex cashback right? so is there any point for me to apply ?

missing a word there?

5% gone?! How come I dunno. Like that the card useless liao

TO ALL: Once again, if you guys are looking at cash back cards or for Airmiles and FREE entries to airport lounges, click here to my blog for my recommendations of credit cards.