Hi, need sifu to advice which CC suitable for me. Thanks

1. Annual Income: RM28k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Bill Payment, Online transaction(ebay,lazada), Cash Back/Rebate

4. Existing credit cards if any: Nil.

5. Looking at CC from: Nil

6. Others: Dining, Movie

You can Refer to the Post Above U for Your Credit Card Recommendation...

since ocbc no more 5% rebate.. i am planning to get another card to replace it.. any recommendation?

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Bill Payment, Cash Back/Rebate, dinning

4. Existing credit cards if any: ocbc titanum, scb platinum, citibank platinum

5. Looking at CC from: maybank2cards, uob one

6. Others: Dining, Movie

yes, maybank2cards and uob one are the best option for cash back on petrol and bill payments.

another one you may consider aeon watami visa classic card.

there are many benefits using this card but i will just highlight 3 benefits that would interest you most (i think):





for more information you may refer to this post: https://forum.lowyat.net/index.php?showtopi...post&p=57495900

**i am looking at this card too as a replacement for ocbc titanium and i am holding mbb2cards and uob one card too.

This post has been edited by victorywp: Nov 17 2013, 06:13 PM

Thanks, will go apply MBB2C this weekend..

I have a huge sum of utilities bill to pay.. major sum goes to mbb amex, was wonder is there any better option?

1. Annual Income: 100k

2. Free Lifetime Annual Fee: No

3. Card required for: Prefer good cash rebate than mbb amex 5x tp.

4. Existing credit cards if any: OCBC (Maxed out)(Going to stop soon). HLB Wise (Maxed out). UOB One (Petrol, Maxed out). MBB2AMEX on Utilities

5. Looking at CC from: Missed out RHB Visa Signature which give 5% unlimited for online transaction

6. Others: Recommendation pls

This post has been edited by herc: Nov 19 2013, 03:27 PM

since you are already using ocbc titanium, hlb wise, uob one, and mbb2cards amex, the next choice would be the post i mentioned above.
aeon watami 3% rebate for every other transactions (outside of watami & except petrol).
if your petrol cash rebate 5% is not enough, you may also consider citibank cash back platinum (which offers the features 95% similar to uob one card).

This post has been edited by victorywp: Nov 19 2013, 03:41 PM

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Not necessary but best if got

3. Card required for: Cash back for petrol and dining on weekdays

4. Existing credit cards if any: Maybank2kad, OCBC Titanium, Standard Chartered Business Visa Gold, Standard Chartered MasterCard Gold, Citibank Rewards Platinum, Citibank Clear

5. Looking at CC from:

6. Others: Basically I'm looking for the alternative for OCBC Titanium

with your annual income of 36k-60k you are now actively using 7 cards (including mbb2cards)?
i think you need to cancel at least one cc before you could apply for another.

How about UOB One Card with 5% Off on Petrol & also HLB Mach Card 5% Off on Dining ....
Pls Refer to https://forum.lowyat.net/topic/2979093/+80#entry64652817 MyPost #88 More on UOB One Card

This post has been edited by fly126: Nov 19 2013, 07:39 PM

Why not? I thought as long as your income more than RM3k per month, you can apply more than 2 cards.

btw, why u guys never talk about HSBC amanah?? good rebate also ma

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

Not So Many PPL Discuss about the Card Which Offer Low Cash Rebate just 0.5% Only, Ppl Prefer CC's Which can get More $$$ Back...
Other CC's like UOB One Card (5% Off on Petrol) or Maybank 2Cards (5x Treat Points + 5% Rebate with Amex on Weekends Spend),
Even... the OCBC Titanium pun Dapat 1% Unlimited Cash Back Start from 29/11/2013 better than 0.5% Cash Rebate from HSBC Amanah Credit Card-i

This post has been edited by fly126: Nov 20 2013, 09:28 PM

Ya, I Knew that, I have Retain the Card as Primary since 2011...
Unlimited 0.5% Off Better than Nothing...

1. Annual Income: Rm72k - rm 100k

2. Free Lifetime Annual Fee: Not really particular

3. Card required for:
Need a 2nd card for discounts movies, paying my Digi bills, to pay stuff on groupon and App Store.
Once in a while petrol too

4. Existing credit cards if any:
Applied AMEX already. Just got it approved. I opt for this card because my current job makes me travel a lot. So the plaza premium lounge is a must for me. Hehe

5. Looking at CC from:
After reading from all the sifu I think my 2nd card should be either a MACH, UOB one platinum or perhaps ocbc I-titanium

6. Others:

Hello all, I'm new to this. Just got a stable job for the past 9 months. My Amex card just got approved but I need a 2nd card as others have mention in case my Amex some merchant won't accept.
Pls advise me.
Thank you so much

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: No

3. Card required for: Cash Back/Rebate particularly for Online Spending

4. Existing credit cards if any: OCBC Titanium and Hong Leong Mach

5. Looking at CC from: Any

6. Others: I already usually max out my cashback on the other two CCs. At present I do quite a bit of online spending and would like to maximize my cash back from that.

Your Credit Card Recommendation:

I) Alliance Cash Back Platinum
•0% Finance Charge for first 3 months
•Up to 2.0% cash back* on retail spend http://www.alliancebank.com.my/Personal-Ba...rs#platinum-tab
•2x Timeless Bonus Points on overseas spend
•No lost card liability upon reporting
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period
•Exclusive privileges and discounts at participating merchants
•Instalment Payment Plan at 0% p.a. interest rate at participating merchants
•Unlimited Complimentary Access to KLIA Plaza Premium Lounge
•Enrich Miles Redemption via Enrich Rewards Program with Malaysia Airlines.
•AirAsia BIG Points Redemption (for VISA Credit Card only).

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 & RM300 for UOB ONE Classic card 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 card & RM200 for UOB ONE Classic card per month.]
* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card & 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
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

III) As for OCBC Titanium (Free for Life), 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 27 2013, 07:57 PM

How About ...
I) UOB Vox Card with...
5% cash rebate on all online spending with a minimum spend of RM50 & the Cash Back Capped at RM50 per Month
But, Need to Make 1 Transaction / Month or they Will Charge You RM6 Maintenance Fee per Month http://www1.uob.com.my/assets/pdf/tnc/ccTN...d_Cash_Back.pdf

II) RHB Visa Signature Credit Card With...
- Unlimited 1% Cash Back on all online and overseas transactions
- 0.5% Cash-Back on all other transactions
Cash Back is capped at RM200 per month, per customer (excludes Petrol, Government, Cash Advance & Charity transactions)
- 4x Complimentary access into Plaza Premium Lounges in Malaysia, Yearly
- Travel insurance Coverage of up to RM2 million
Annual fee waiver, With a total minimum cards spend of RM50,000 per annum
http://www.rhb.com.my/cards/credit-card/cc...tml#eligibility

III) Maybank 2Cards
It's FREE for Life with 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

This post has been edited by fly126: Nov 24 2013, 11:41 PM

I see. Tq so much bos.
I've decide to take the UOB one card.
Anybody knows where is their HQ in kl?
Can we like go there and perhaps to get the card in like a few hours time like with m2 cc's?

1. Annual Income: 80k - 100k

2. Free Lifetime Annual Fee: Doesnt really matter

3. Card required for: Petrol

4. Existing credit cards if any: Citibank and Bank Islam - both for education back then. maxed out but already paid 100%

5. Looking at CC from: Any

6. Others: as per mentioned in number 4, now i want to re-apply since i already clear outstanding debt. im debt-free but require cc for petrol and oversea outstation. issue is, just only recently settle everything so is there any cooldown period before reapply?