1. Annual Income: RM65k-RM100k

2. Free Lifetime Annual Fee: Optional

3. Card required for: Dining/Shopping locally

4. Existing credit cards if any: Nil

6. Others: Trying to get a CC to build up my CCRIS records. I don't reside in Malaysia since I'm working overseas.

I'm probably going to use it for petrol only hmm... Let say I swipe rm 300 per month... That's like rm 3600 per year... That's good enough to waive the annual fees or not?

Both card also cb for petrol only? Limit max is 50 per month?

Classic : Need to swipe total 60 times.

Platinum : Need to swipe minimum 1 time per month AND spend RM36K or RM60K depending on Card Type.

Wah with my kind of usage.... Looks like my cb also not enough to cover the fees haha...

Sifus..I read lots of recommendation on Maybank2Cards, is it the one which they offered 2 cards, ie. Visa and American Express? what are the major difference between those 2?

Oh btw, Please recommend for me, this is my first CC
I'm a foreigner, live and work in malaysia. Maybank contacted me and mentioned: for foreigner, the min salary will be 3k/month. Not sure about other bank though..

1. Annual Income: RM 40k - 50K

2. Free Lifetime Annual Fee: Yes (it would be the best, wouldn't it)

3. Card required for: online purchase, and might need to use it overseas (mostly indonesia); please advise what it'd be best for

4. Existing credit cards if any: Nil

5. Looking at CC from: Mainly Maybank or any other bank (had bad experience with CIMB customer service, but let's try CIMB too)

6. Others: Might use it 0 - 3 times in month

the GST, all bank + all type of CC applied right? Same amount, i.e. RM50/year?

Thanks in advance..

hi all,

seems like a lot of you use maybank's 2 cards - but what about for overseas spend (maybank's Amex is 2.5% right?)

what card do you guys use for places that don't accept amex? not the other card that comes with maybank's 2 cards right since it basically earns you nothing.

from what I understand, only OCBC titanium offers uncapped cashback at 1%?

thanks for your reply!

so the highest unlimited cashback for any card in malaysia now is 1%?

If I plan to buy a big ticket item, say RM10k in a single transaction at a merchant that does not accept AMEX, and does not fall under any of the "categories" (why do they do that? so confusing)... my only logical option would be to use a card that has highest unlimited cashback right?

so if 1%, then at least I get RM100 back instead of measly "capped" RM50........
edit: seems like OCBC world mastercard offers *slightly* higher cashback @ 1.2%... why isn't this card as popular? is there something wrong with it?

Hello, I need some recommendation on credit card:

1. Monthly Income: 4K++

2. Free Lifetime Annual Fee: must with swipe

3. Card required for: Mainly petrol.  I use Petron regularly

4. Existing credit cards if any: HSBC, but i haven't activate it because I dont like the fact that only have 5% rebates on weekends and only selected petrol stations and Petron not included.

5. Looking at CC from: UOB?

6. Others: Looking for cashback reward. Not keen on points. I dont regularly use credit card except for petrol. Light user. Maybe going to spend less than RM300 per month on my card. I dont do groceries. I don't dine out, I dont watch movies.  Annual fee waive is a must. If possible also waive RM50 govt tax.

any recomendation? If any agent here, please PM me.. thanks.

Hi all. i need some recommendation for new cc...

1. Annual Income: RM36K to RM40K

2. Free Lifetime Annual Fee: A Must?

3. Card required for: Shopping. Auto Debit Bill. Petrol

4. Existing credit cards if any: Bank Islam UiTM Platinum Master Card

5. Looking at CC from: Maybank maybe? 2kard? MU Visa?

6. Others: i hope to get a good cashback/any other good features. currently my cc doesnt give a lot rebate/reward. so thinking of changing card.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: is ok as long it is worth

3. Card required for:  Petrol,, Cash Back/Rebate , electric and water bill

4. Existing credit cards if any: no

5. Looking at CC from: no

6. Others: can pay with my M2U online savings account .

Thank you all sifu.  

bro, one question, the promotion date state on uob websites going to end 30 april, so after tat will not get 5 percent rebate ad?  

Any recommend card to use for pay insurance premium for over rm6k?

OCBC 1% rebate = rm60
aeon watami 3% but cap to rm150 = rm150

Any others option?

1. Annual Income: RM33k ( GROSS Salary )

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (myvi) , grocery , shopping once a while.

4. Existing credit cards if any: Nil. 1st time user wanted to get a credit card

5. Looking at CC from: No idea at the moment...

6. Others: I prefer cash back instead of point... and i only have public bank account the payment to the CC bank should be easy for me.. like taking cash bank in? or online transaction?

1. Annual Income: RM96K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, ,Cash Back/Rebate Only, Toll, Public Transport

4. Existing credit cards if any: Nil.

5. Looking at CC from: RHB, Maybank or CIMB

6. Others: Familiar with Maybank2u & CIMB Clicks

1. Annual Income: RM31k ( GROSS Salary ), monhly spending around 1.5k, but weekdays is less than RM200/month besides food.

2. Free Lifetime Annual Fee: Must or very easy condition via swipes

3. Card required for: weekday use, increase credit limit

4. Existing credit cards if any: MMB2

5. Looking at CC from: No idea at the moment...

6. Others: wont be use frequently unless emergency. Just want to increase credit limit.

To be honest, there ain't any card which is better to carry around than your MBB2. My recommendation is as below

Card type: Hong Leong Essential Card

Annual Fee: RM100 waived with 12 transactions/year

Benefit: 1% unlimited cashback, 2% cash advance fee

Hi Sifus,

Last time someone comment RHB got fast approval for credit card. Beside RHB, any others?

Both got fast approval? Any of it, which more easy get approve?

Get rejected for application of cc coz my other cc limit over. Is that I clear my current limit to 70%, will get approval for new cc application? Thanks in advance for any advice.

bearbear - oo ouch..haha sorry yeah cant get oh visa infinite..

any recommendations other than visa infinite? haha thanks