yeah fresh grad should get the maybank gold cards

me here only gt petronas n shell, no sure if can use amex. but most shop wont accept.

nice calculation, petrol i pump every week
if groceries need to split also ok la, but prefer but 1 time cos lazy always go shop, the more offen u go the more u spend


btw, when to ambank 2day, one of the officer i know also ask me sign up for ambank carz card. 3% petrol rebate and 2% if pay full amount, i calculate seems like no so good, but the officer keep pushing me. haiz maybe no choice hav to sign lo.

she told me is free annual fee, rm50 gst can be waive if u spend rm350 in 2month and they will rebate rm50 for u. dono true o nt, she say only applicable for new ambank card holder

bro no one can force you if you don't want to apply must be sweet gal for you then

hahaha u wrong, old lady liao, she live near by me and know my father also.

then she should give you more 'gifts'

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.

If you spend above RM500/month on petrol / mobile /utility bills / grocery / dining, HLB wise - 10% rebate with minimum 10 x Rm50 swipes a month, capped at Rm100 cash back. note you choose only 2 category + mobile and you need to pay for annual fee (Gold Rm160?).

Maybank2Kard Amex is the other option, google for details.

This post has been edited by bearbear: Apr 3 2014, 11:51 AM

UOB One Card - a Pure Cash Card
Earn Cash Rebate ON:
* 5% for Petrol Cash Rebate [capped at RM500 for UOB ONE Platinum & RM300 for UOB ONE Classic 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 & RM200 for UOB ONE Classic per month.]
* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum & RM1,000 for UOB ONE Classic per month.]
* 2% at Pharmacies
& 0.3% for all Other Purchases...
*Enchanted with SMART$ Cash Rebate Privileges
+ 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, the Annual Fee will EZly to Waive Off as long Use the Card, Regularly...

Just a Soft Reminder: You have to Pay GST of Your Card... GST is Charged once the Card (HSBC) is Approved & Not Necessarily Activated or Not.

This post has been edited by fly126: Apr 3 2014, 11:13 PM

nowadays uob one card is not a good choice anymore. their cb allocation of 900k is finished by the second week of the month due to too many users (confirmed by uob cs). means you get 0% cb on 3rd week onwards.

yes, do try mbb2cards first.

Anyone fancy a Visa Infinite CC but don't meet the requirement ? Now see this! You just need RM 60k to get it from Hong Leong.


Attached thumbnail(s)

Hi all, Im looking for a good cashback card, any suggestion would be good for me

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Cashback. Petrol, Groceries and Auto-billing (insurances, internet, mobile, electricity and water).

4. Existing credit cards if any: OCBC Titanium Card - unlimited cap of 1% cashback for all expenditures on the cc

5. Looking at CC from: Any as long as gives me the best cashback. Looking at HSBC Amanah M Power, Maybank 2 Cards and UOB One Card. Hong Leong Wise seems to be tedious for me as it requires RM50 x 10 transactions per month.

6. Others: Looking for another cashback card to pair with the OCBC Titanium on my monthly expenses.

This post has been edited by S-Y-H: Apr 5 2014, 11:43 PM

i would recommended hlb wise for your petrol, groceries & mobile (petrol you could pump about RM 50 many times at the terminal & mobile you could pay RM 50 online multiple times with maxis as well) but since you mentioned it's tedious you could go with maybank2 cards & aeon watami

This post has been edited by DarReNz: Apr 6 2014, 12:25 AM

You Should Go for Maybank 2Cards, Why...
i) The 2Cards will Benefiting U with 2 cards, Maybankard 2 American Express® Card & Maybankard 2 Visa / MasterCard, in 1 Sign up, 1 Service Tax, and 1 Statement plus, the MBB 2 Cards also Free for Life, No T&C Applied to...

ii) Accumulate/Earn More Rewards Point lebih Cepat: 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Use the Treats Point to Offset Yearly GST or Shopping Voucher Redemption Even Use it on MAS Enrich Air Miles Redemption ... Although the Treats Point come with 3 Years Expiration Period.

iii) Enjoy Lowest finance charge of 8.88% p.a on your Outstanding Retail balance. All you need to do is promptly settle minimum payment, 5% of the outstanding balance or a minimum of RM25, As Most of the Bank will Charge 15-18% p.a

It's Good Enough to Pair Up with Your OCBC Titanium: the Card that Earn You Unlimited 1% Cash Back for Everything+ As a Spare to Amex: Good for the Place that X Accept Amex

OTHERS...
2) 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...
(5 or 8% Cash Back on Petrol, Groceries & Dining Spend Made during Weekends Only) Valid till 30/06/2014

3) UOB One Card- Pls Refer to MY Post #554 for Details, Just few Post Above Yours...

This post has been edited by fly126: Apr 6 2014, 01:00 AM

The best combination for cash-back CCs IMHO :

1. HLB wise gold -> spend monthly ~ RM1000 only for ur choices of categories for RM100 CR
2. MBK 2 AMEX Platinum -> use this to spend the rest but ~ RM1000 must be on weekend to gain RM50 CR

Guys
Currently i am using maybank2kard
Is there any better cashback credit card for bills & utilities?

yes u could go for hlb wise select utilities as one of your category, mobile is given free, another category you could choose would be either petrol or groceries

But hlb wise have min requirement of 50 per transaction
What if my TNB bill does not even reach rm50?

pay RM50, balance as advance payment for following months.