Alternative which i am using

Alliance Cash Back Platinum Mastercard

1. Tier-based cash back up to 2%
2. Unlimited complimentary entry into KLIA Premier Plaza lounge
3. 1X Reward Point for local transactions, 2X Reward Points for oversea transaction
4. Annual fee waiver with minimum 12 swipe / year

Conversion of Reward Point to Enrich Miles is 6000 to 1000

Thanks for the link.

I like this card. However I only use 2-3 times a year. So I will not get that annual fee waiver thingy.

just swipe with petrol / makan / whatever, there is no limit as to how small the amount can be so i don't see the big issue. Start to be dependent on your CC.

thanks fly126 for the help got my card today

time to be a slave to the system

Congratz & Happy Spending on Your 1st CC
So Fast, You're Having MBB 2Cards... ???

they gave me instant approval yeah 2 cards. time to use more amex card hehe

Glad to Hear that... Do Enjoy the Privileges from Your 1st CC...
THIS Card will Benefits You Most & Definitely now the Best Card in the Market
I X Think You will Potong It Later...

This post has been edited by fly126: Mar 5 2014, 01:27 AM

Hi guys, please do advise me for best CC for following criteria.

1. Annual Income: RM30K

2. Free Lifetime Annual Fee: Free

3. Card required for: utilities (TNB, TM), Petrol (Esso), Insurance (GE)

4. Existing credit cards if any: no CC before

5. Looking at CC from: Anywhere

6. Others: Looking for cashback CC, but other also can consider.

TQ...

i'm new and i plan want to apply for credit card. what i scared is the interest rate and hidden charges when purchasing using credit card.

1. Annual Income: RM36K to RM40K

2. Free Lifetime Annual Fee: Must

3. Card required for: Education, Cash Back/Rebate Only (optional), AirMiles, hotel bookings, Dinning, Purchasing online store

4. Existing credit cards if any: nil.

5. Looking at CC from: Citibank, Maybank, Aeon. etc.. maybe other have better offer.

6. Others: when pay the credit card. i can pay via m2u since i hv maybank2u acc and cimb clicks. but how about citybank?

This post has been edited by pandera999: Mar 5 2014, 11:33 AM

bro your requirement is ALOT for that income range

Cashback & airmiles - Maybank2Kard (Amex) read my recommendation few post back to mystvearn

You also get 7% rebate for booking via Agoda

no problem with which bank since IBG now only cost 10 cents.

mbb2amex (weekends = 5%+5x tp (2% equivalent), weekdays 5x tp (2% equivalent))
- good for utilities (tnb & tm) payment during weekends via m2u
- good for petrol during weekends
- insurance ge not accepting amex, but still can use mbb2master to pay with 1x tp (0.4% equivalent) = at least you don't need to apply another cc and incur another gst

the most suitable for you and closest to all your needs is still mbb2amex.

Thanks for your suggestion. if i apply this CC, they issues two card right, Amex and Visa?What different between this two other than those cashback and tp?

yes it's 2 cards (amex & master OR amex & visa).
amex gives you 5%cb + 5x tp on weekends, 5x tp on weekdays
master/visa gives you 1x tp everyday

1x tp equivalent 0.4% (based on conversion to redeem cash vouchers)
5x tp = 0.4% x 5 = 2%

This post has been edited by victorywp: Mar 5 2014, 04:37 PM

do you mean Maybankard 2 American Express? well thanks....

maybank 2 cards (amex & master OR amex & visa) but the benefits are mainly on the amex card.

oh i see.. well thanks..

the point increased on july 2013, from 200 tp = RM1 become 250 tp = RM1

I am searching a MASTER/VISA card that give me min 2% rebate (rebate can be on form of points, not interest on enrich miles though, airasia BIG Points is OK) on overseas transaction.
monthly transaction can reach at least RM10000.
Any suggestion?

1. Annual Income: RM50K to RM70K

2. Free Lifetime Annual Fee: 1st year waive must waive, New to bank

3. Card required for: overseas transaction

4. Existing credit cards if any: YES

5. Looking at CC from: please suggest me.

Here,

http://www.imoney.my/credit-card