Maybank 2 Cards, Alliance Cash Back Platinum & UOB One Card
You Can also Refer to https://forum.lowyat.net/topic/2979093/+40 My Post #43 for Details

I Don't Think So... the Bank Will Process Your Apps in 3 Days coz U Never got Any Credit Card before (Newbie)
At least 5-10 Working Days will Needed to Process a Credit Card Application

Anyway,
the simplest and fastest method to get the Maybankard 2 Cards is by visiting a Maybankard Centre at 1U, The Gardens or KLCC where your application will be process within an hour or so
Maybankard Centre at 1 Utama
Lot G-341B, New Wing, 1 Utama Shopping Center, Petaling Jaya, Selangor
03-7728 5451
OR
Citibank Credit Card,
at Citibank 1 Hour Kiosks Location: http://www.citibank.com.my/smartbanking/kiosks.html

This post has been edited by fly126: Nov 9 2013, 12:46 AM

TQVM for your detailed reply.

You're Most Welcome
Good Luck with Your Application & Do Update with Us When U Get Your 1st Credit Card ...

This post has been edited by fly126: Nov 9 2013, 01:05 AM

1. Annual Income: RM200k+

2. Free Lifetime Annual Fee: Better if none or there's option to be waived

3. Card required for: Rebates of any sort of transaction or discount and airport lounge access

4. Existing credit cards if any: MBB 2 card, MBB Visa infinite, Std. Chart visa plat and Std. Chart just one titanium

5. Looking at CC from: Alliance or UOB visa plat and OCBC great eastern plat

6. Others: I just found out Std. Chart just one titanium card no longer give me rebate and the Std. Chart visa plat no longer grants plaza premium lounge access. Damn... I kept those 2 cards for years because of their feature. Knowing this, I am planning to redeem all my points for vouchers and cancel my Std Chart card. Therefore I am now in the market to look for credit card that give good rebates like the std chart titanium and airport lounge access like Std. Chart platinum. Earlier today during lunch time i drop by Maybank to ask around what card they have to fit to my needs. I was recommended to apply for Visa Infinite. Since I already have MBB 2 card, they just told me to sign an application form and they fill up the rest. I left maybank branch at 2.30pm and by 4pm i receive a call the card is ready for collection. Just went to collect the card and damn they are really fast, approved and the card in my hand in less than 2 hours. However, I found out that the priority pass lounge access is only 5 times per year and only for principle card holder. I wonder if there is other credit card who allows me to use my lounge acess quota for a travellign partner who is with me? Therefore I am also trying to see if the visa infinite from Alliance or UOB will grant such options.

As for rebate I am not sure what is good. I don't need fuel rebate, my maybank 2 card amex i used to pump at shell every weekend to try to max out the RM50 monthly rebate quota. Granted, i never pump up to RM1000 a month, maybe RM400 a month, rest i try to shop at aeon jusco or carrefour on weekend to try and max out MBB 2 card limit. I also occasionally (twice a month) use the MBB 2 card at GSC. Even with this three transaction combined (petrol, grocery, GSC) I most of the time do not hit my monthly RM50 rebate quota.

Regardless since MBB 2card only give rebate if transaction is on weekend, I need another rebate card for other transaction like my maxis bill autodebit (which I cannot control if they can charge me on weekend or weekdays), restaurants (most restaurants do not accept AMEX), utilities bill (gas, electric, indah water), some shopping at retail outlets occasionally and my monthly annual insurance premium from great eastern (which adds to to close to RM20k per annum). That's why I was eyeing the great eastern card from OCBC but not sure if other card like wisecard or HSBC cash rebate card might be better? Hope to get some insights from ppl who knows more what other card has to offer for my case.

I) Alliance Visa Infinite Card http://www.alliancebank.com.my/Personal-Ba...ssibilities-tab
You can Refer to: https://forum.lowyat.net/topic/2979093/+20 Gen-X's Post #22 for the Best Credit Card for FREE Entries to Airport Lounge.

II) Great Eastern Platinum Card, FREE for Life.
*1% rebate on total retail spending excluding Auto-IPP.
*0.5% rebate for Auto-IPP transaction.
*Interest Free Automatic Instalment Payment Plan (Auto-IPP) featuring: * 6 months Auto-IPP for Great Eastern / Overseas Assurance Corporation insurance premium of RM1,000 or above in a single transaction via Auto Debit only.

As for OCBC Titanium, after 29/11/2013, New Rebate system will be UNLIMITED 1% Cash-back No More 5% Off

III) HLB Wise Card
You can Enjoy 10% Cash Back Everyday with Your Spending from the 10 Categories as Below:
1. *Mobile
2. Pharmacies
3. Groceries
4. Petrol
5. Dining
6. Departmental
7. Book Stores
8. Utilities
9. Entertainment
10. Travel
* Bonus Category
But...
- RM10 Switching/Subscription fee if you want to change category
- 10% Cash-back only applicable to 2 Selected categories + Mobile (by default)
- Need Min. RM50 spending per transaction to Enjoy 10% Cash Rebate & the Cash Back Capped on $100 Every Month
https://forum.lowyat.net/topic/2760395

IV) 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

This post has been edited by fly126: Nov 11 2013, 11:15 PM

Thanks fly. Damn, at first i thought the OCBC great eastern feature is as per website. When i tried calling the call centre, they have changed from the 3% rebate of insurance premium to what u mentioned up there. Makes OCBC as boring as Std Chart totally. They also removed the airport lounge feature of their platinum great eastern card. Sigh... but the operator was telling me by dec 2013 they will announce the full feature of all OCBC card. As of now it seems most of the cards they not yet reveal full feature.

Ah... the HSBC card is very similar to MBB2 card. Since i already have MBB2 card which limit myself to rebate only on weekends, the HSBC card will not do me any good. From ur list I kinda feel WISE card is the best. I saw a booth promotion during the IT EXPO at mid valley few weeks back. They got promottion free water heater or something, should've grab wise card from them that time. My strategy of card usage as follow:

MBB 2 card strictly for weekend petrol usage: Average monthly petrol about RM 400 - should give me rebate of about RM20 at least. Any departmental store shopping like at metro/isetan/aeon jusco will also try to use this card on weekend.

Wise card i will choose utilities and grocery. The website say utilities only electric and water. Electricity i pay to TNB (wonder if can auto debit) and water is to my condo management. How to claim for water bills? Also does utility include gas malaysia? I hope it did. Wanna try to hit that RM1000 a month expenditure at least to capitalise on the RM100 rebate per month quota. Grocery i guess a month maybe about RM 200-300. Website mention all grocery store, does it include places like Sri Kota Mart, Speed 99 Mart, NSK? Lastly my telephone bill, maxis per month about RM 170. Does it include maxis broadband cause monthly i pay another RM 150 for broadband. So total:

utilities: 200
grocery: 300
maxis phone: 180
maxis broadband: RM 150
Sum: 830 - almost RM 1000 quota met. What else can i slot in there to maximize RM100 rebate per month?

I got another question of Wise card. I wonder if they have the 0% installment interest option? Say if I choose the dept. store option and I buy a TV from Aeon Big.C or Aeon jusco and go for installment plan, deducing RM300 per month, will that 300 per month be subject to 10% rebate monthly? Or do they just calculate the full sum on the first month and that's it. Or they just do not consider installment plan qualify for any rebate?

Reason i ask this is because i plan to buy a mattress and if possible to go for installment plan. A RM 4k mattress with 12 months installment should be about RM300+ a month and if wise card can cater for this rebate it will be awesome. Any idea?

Woo...

Not All the Groceries do Entitled U to get Cash Rebate.... U Can Refer to their Merchant Category Code(MCC)
http://www.dm.usda.gov/procurement/card/card_x/mcc.pdf

U X Get any Cash Back via TNB Auto Billing Service, but With 100% Confirm Eligible get Cash Back via Pay Over the Counter, TNB Kiosks or Pay Maxis Bill via MaxisPay....

As for 0% Interest Installment Plan U X get Any Cash Rebate from there...
Furthermore, Not Every Bank got 0% Interest Payment Plan (Sometimes will get a Invitation (offer) by Bank)

Still Confused... U can Check thru HLB Wise Thread https://forum.lowyat.net/topic/2760395

This post has been edited by fly126: Nov 12 2013, 02:51 AM

My Expenditure monthly where i plan to get rebates from MBB amex and wise card:

1. TNB electric bill: RM100+
2. Maxis handphone about RM 150
3. Maxis home fibre about RM 150
4. Petrol about RM400
5. Grocery about RM300
6. Restaurant and pubs about RM 500 to RM1000

From the thread i read it seems wise card not good to pay utilities, so my plan for MBB amex is to use it for weekend petrol and maybe my TNB bills. Question is how to pay TNB on weekend with MBB amex?

For wise card i plan to take mobile + dining + either grocery or dept. You mention something bout buy aeon voucher to qualify for 10% cash back. Is that under dept or grocery option? I very much like that, I like to buy metrojaya/isetan and parkson voucher too. But grocery i usually shop at either jusco or big c at mid valley, or NSK at kuchai lama or my neighbourhood market Sri Kota mart. I work in KLCC, so very close to maxis tower. You mention about paying all maxis bills at the kiosk is best way? Since i have like close to RM300 for maxis (150 handphone and 150 home fibre), so i can make like 6x payments of RM50 at the maxis kiosk every month? The online easypay is not qualified for home fibre rebate right? So kiosk is the way to go?

Why not much ppl choose dining for wise card? I go pub a lot, sometimes dine around restaurant in KLCC for lunch. I suppose that is best category for me. Is there only specific restaurants that qualify? Does pub qualify? Hope you can help shed some light.

Last but not least, should i go for wise gold or platinum? What difference?

you may choose amex to pay tnb bills via your m2u account during weekends to earn that 5%+5x points.

Yes U can Login to Maybank2Uto Pay Your Bill.... under Bank Account choose Bill payment Click on Make a One Off Payment select TNB from the Merchants list
Select 2Amex for Payment or U also can Register Your Utilities Bill at Make a Payment to Favourite Payee on Weekends...

Btw, Most PPL choose Petrol, Groceries + Mobile for Wise Card Not Bad as Your Choice were Dining, If have Eat Outside Often + Groceries ...
What Difference Between HLB Wise Gold & Platinum....???
To what I Can see here are the Annual Fee of the Card Gold - $160, Platinum - $300 I think the Rebate Remain All Same....

This post has been edited by fly126: Nov 12 2013, 12:26 PM

it is better for you to choose departmental since you like metrojaya/parkson/aeon.

yes, you may split the bills and pay at maxis kiosk to easily qualify for the 10% cash back. however, to avoid being suspicious, it is not recommended that you pay rm50 for six times in a row on the same day itself. it is more advisable that you pay with different amount on different days.

not many choosing dining because some other cc offering dining at better discount rate ~25% at selected restaurants. there is no specific restaurants that qualify for the dining option, just as long as they are under mcc 5811 (caterers), mcc 5812 (eating places and restaurants), mcc 5814 (fast food restaurants). pub does not qualify since it is under mcc 5813 (drinking places - alcoholic beverages, bars, taverns, cocktail lounges, nightclubs and discotheques).

since gold and platinum shares the same features of 10% cash back with maximum capped of rm100, it is more recommended that you choose gold since the annual fee is lower.

This post has been edited by victorywp: Nov 12 2013, 12:34 PM

I don't want the hassle of opening another bank account, since I already have CIMB and HSBC. Just knew that CIMB imposes fixed deposits with their credit cards for foreigners. If only I knew it before, I might not open an account with them.

Do you have any other suggestions for cards with good air miles for foreigners with approximately RM100k annual income like me? Thank you beforehand.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Groceries, Dining, Cash Back/Rebate Only, Bills, etc.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybankard 2 Cards, OCBC Titanium, etc.

6. Others: Just looking for CC for petrols, groceries, etc. Looking to earn cashback / rebates / and plan to pay on-time.

How About Citibank Premier Miles Amex (Income Requirement RM100K p.a)...
- Earn 1 PremierMile for every RM2 spend and redeem complimentary flights from over 90 airlines
- Unlimited access to selected Plaza Premium Lounge nationwide and in Asia Pacific countries
- Complimentary Airport Limo Ride home from KLIA
http://www.citibank.com.my/english/credit-...AENCCHMCAAELM01 for Details

Apply Now You will Get 60,000 Complimentary Enrich Miles...
Online Application Form: https://www.citibank.com.my/premiermiles-am..._AMERI_EXP_CARD

This post has been edited by fly126: Nov 13 2013, 02:14 AM

I) Maybank 2Cards , the Best Card in Town So Far...
It's FREE for Life 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
* the Treat Points also can Convert to Enrich Air Miles

II) UOB ONE Card - a Pure Cash Back Card, Earn Cash Rebate ON:
* 5% for Petrol Cash Rebate [capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% Cash Rebate for major mobile service providers (Maxis, Digi and 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 and 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
As a NEW Signup now, U can have 2 Years Annual Fee Waiver
For the Subsequent Years You can Call Customer Service to Request AF Waiver from them

III) As for OCBC Titanium, after 29/11/2013, New Rebate system will be UNLIMITED 1% Cash-back No More 5% Off....
It's No Longer The Best Cash-Rebate Card any More...

This post has been edited by fly126: Nov 13 2013, 02:11 AM

Thanks for the info. I believe Maybankcard is much easier for me to use as the 5% Weekend Cashback is applicable for most transaction, whereas for UOB's cashback different from one to another. Plus, I already have Maybank account, and their nationwide branches.

Thanks.

edit

This post has been edited by Seren: Jan 29 2015, 08:54 AM

@ smsbusiness2u, Your CC Recommendation Are NOT Suitable for Seren With Annual Income RM30,000...
Pls Noted that, CIMB Cash Rebate Platinum Master Card will Need Income of RM36,000 p.a to Get It http://www.cimbbank.com.my/creditcard/inde...&bb=attachment1
As for RHB Visa Signature Credit Card will Need Income RM80k a Year... http://www.rhb.com.my/cards/credit-card/cc...tml#eligibility

This post has been edited by fly126: Nov 13 2013, 09:49 PM

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, dining, online portal (groupon, living social), groceries

4. Existing credit cards if any: OCBC TMC

5. Looking at CC from: MBB 2 card AMEX + VISA

6. Others: Plan to terminate OCBC TMC due to coming december need pay new GST

I) Maybank 2Cards
It's FREE for Life 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
* the Treat Points also can Convert to Enrich Air Miles

II) HLB Mach Card, Annual Fee Waiver Subject to 12 x Swipes a Year
You can Enjoy Cash Back Everyday with Your Spending from the 12 Categories as Below (Get 1 for Free...12 All's from Movies to Dining):
1. Movie -10% All Cinemas
2. Music & Events - 3% Ticket Pro , Air Asia RedTix...
3. Nightlife - 2% All Bars & Nightclubs
4. Dining - 5% All Dinning Outlets
5. Style - 2% Uniqlo, Cotton On, Forever 21, Zara, Topshop...
6. Groceries - 2% All Grocery Stores
7. Departmental - 2% Parkson, Tangs,Metrojaya, Isetan...
8. Health & Fitness - 3% Fitness Concept, Fitness First, Guardian, Watson....
9. Mobile - 3% Maxis, Digi & Celcom
10. Tech - 2% All IT Stores
11. Travel - 1% Air Asia
12. Online - 1% All Online Spend
But...
Need to pay RM5 Subscription Fee every 3 months to enjoy additional categories of Cash Back of the Card Or Cash Rebate of 0.2% Will Awarded on all other purchases as above mentioned & Unfortunately Also No Rebate on Petrol....
For Details: http://forum.lowyat.net/topic/2421215

How About III) UOB One Card...???
They Do have 5% Cash Rebate on Petrol....
Pls Refer to https://forum.lowyat.net/topic/2979093/+60 MyPost #80 for more Rebates on UOB One Card

Ps...You can get Reviews of MACH Card Or UOB One Card from Gen-X at Post #1 https://forum.lowyat.net/topic/2979093

This post has been edited by fly126: Nov 14 2013, 02:37 AM