1. Annual Income: RM39k

2. Free Lifetime Annual Fee: Don't mind

3. Card required for: Petrol , groceries , shopping, utilities bill.

4. Existing credit cards if any: HSBC Platinum

5. Looking at CC from: Any, which is good for petrol and more benefits

6. Others: Mostly used for fixed expenses like petrol, bill

You are recommended to get Maybank 2 Cards. The advantage of this card is its free for life & 8.88% interest p.a.
Whenever you spend on the AMEX card, you will earn 5x Treatspoint for every ringgit except for transaction on government, insurance and education where you will earn 2x points. Besides that , for transaction on weekend you will get 5% cashback , up to RM50 only per month. If you mostly do your petro, grocery, shopping and bills payment on weekend, this is the card to get.

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: Better if have

3. Card required for: Retail, dining, petrol

4. Existing credit cards if any: Nil

5. Looking at CC from: RHB or Citibank

Thanks in advance.

Firstly, most Citibank credit cards do not offer auto annual fee mechanism, i.e. you got to call and beg for 2nd year and subsequent years annual waiver. And in Citibank case, you really got to beg as many people reported in the previous Citibank Thread that Citibank not very accommodating especially for Clear Card (good for movies but you earn nothing for petrol) and Cash Back Platinum (which is good for Petrol). However, many merchants do offer discount when using Citibank cards, so go to Citibank website and see if the discounts can benefit you.

As for RHB cards, they do offer auto annual fee mechanism but the returns you get for petrol (Travel Money Card only as other cards you earn nothing in return) and dining are not competitive.

If you need a card mainly for Petrol, click here to Petrol Thread.

In additional to Citibank Cash Back Platinum credit cards for petrol, I would recommend Maybankard 2 Cards where the AMEX earns you 5X Treats Points (equivalent to 2% when redeeming for cash vouchers) everyday PLUS additional 5% on weekends. This Maybank 2 Card AMEX is good if you can pump petrol on Saturday and Sunday.

Click here to Maybankard 2 Card Thread, it is the most popular and widely used card by LYN members.

If you have the time for some credit card tutorial lesson, click here to read my article The Best Cash Back Credit Cards.

This post has been edited by Gen-X: May 10 2014, 12:24 AM

1. Annual Income: Roughly RM25k (+-), Likely soon to be RM30k

2. Free Lifetime Annual Fee: Must (either outright or by minimum swipes)

3. Card required for: Rebate/Cash Back, Petrol (Shell preferred, if that matters), not sure about other things, maybe airfare etc.

4. Existing credit cards if any: None - this will be a first CC for me.

5. Looking at CC from: not sure yet, awaiting suggestions (I currently have a savings account with MBB, if that matters)

6. Others: Any rewards. My idea is that I'd always be able to make the monthly repayment (in full) so I won't have to pay for extra charges/penalties/interest but at the same time get some rewards and or benefits.

Maybankard 2 Cards
Min Annual Income: RM30000

As Gen-X mentioned:
I would recommend Maybankard 2 Cards where the AMEX earns you 5X Treats Points (equivalent to 2% when redeeming for cash vouchers) everyday PLUS additional 5% on weekends. This Maybank 2 Card AMEX is good if you can pump petrol on Saturday and Sunday.

what about the UOB One Card? Seems like it has much more cashback.

UOB One Card 5% only for petrol & cinema, but at the end depend what u want, which cc more suitable to your lifestyle then go for it

I'm torn.

Because the UOB One Card does provide more cashback. I think this has an annual fee of RM68 or FREE for 60 transactions per year (average 5 per month).

Whereas the Maybank one provides only 5% for weekend transactions, which is capped at RM50 per month, meaning the max cashback spending I'd make is RM1000 a month (for CC-able transactions).

Of course to fully utilise the Maybank option, id have to make it a habit of spending on weekends.


So yea, I'm a little undecided between these 2.

Based on your info, i'm pretty much sure MBB will not easily approve your application. UOB, on the other hand is more lenient in approving cards.... Esp. newcomer. Get a UOB card first. And use your card responsibly and be a good paymaster. By early 2015, you will have a nice ccris report to impress MBB, then thats the time you apply.

Any reason why?

Thats because in terms of reputation, this is the best entry level card on the market right now... With the No. 2 a distant behind !

I'm not too worried about the application, I it won't cost me anything if they don't approve it anyway.

Just want to know which card is better.

Also for the Maybank, seems like all the perks are in the Amex card.. so what is the other card for?

read thru this http://generationsxyz.blogspot.com/2013/10...n-malaysia.html

and this http://generationsxyz.blogspot.com/2013/12...edit-cards.html

Thanks for the links and I have read (briefly) thru them.

Sorry to sound like a broken record, but another Q.

When/How do you know when it is worth it for the cashback to use a CC in light of CC surcharge as oppose to using Cash/debit?

if to compare based on petrol only:
1) uob one card 5%+2% smart$ (bhp only) - available every day
2) mbb2amex 5%+2% conversion from tp (all petrol stations) - available weekends only

Can you enlighten me the point of giving 2 cards? I've read the rewards etc. for the cards but can't seem to find anytime where I would use the non-Amex card unless the place I use it won't accept amex.

I feel like I'm missing something.

There is no surcharge for local transactions (with the exception for some PC shops which is illegal)

This is the feature of the Maybank 2 cards. Many of us just keep the visa/master counterpart in drawer. For your case, it may come handy when AMEX is not accepted. You get 1x point.

This post has been edited by Human Nature: May 10 2014, 10:44 PM

Thanks.. after alot of feedback.. I think I've made my choice.

i don't know which choice you have made. but i would strongly suggest you to go for mbb2cards.