All You Need Now just a Cooling Period maybe with a 6 Months times Better
Do a Fresh App, I Bet You will Get Your Preferred CC, this Time...

I) HLB Wise Card (NO Annual Fee Waiver: $160/$300)
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
Need...
- 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
OR
II) HLB Mach Card- Annual Fee Waiver Subject to 12x 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 be Rewarded on all other purchases as above mentioned+ Also NO Rebate on Petrol...
For Details: http://forum.lowyat.net/topic/2421215
OR
III) Just Plain OCBC Titanium Card with 1% Cash Back on Everything + Free for Life with No Annual Fee

This post has been edited by fly126: Mar 12 2014, 01:39 AM

Edited.... 2X Post

This post has been edited by fly126: Mar 12 2014, 01:34 AM

Both CCs do Come with Annual Fee...
UOB One Card: ($68/168) or Citibank Cash Back Plat. ($195). IT will EZly to Waive Off if You Use the Card Regularly & Called CS Request AF Waiver when Annual has Come...

Ps. the Citibank CB only Credit the Cash Back Earned once You Reach $50 & If the Cash Rebate < $50 for a Particular Month, the Total Cash Rebate Amount will be Carried Forward to the Following Month...
the Cash Back is Only Credited based on $50 Basis (i.e. under $50 Nothing will be Credited), Whereas UOB Credit the Cash Back Monthly into the Account.

This post has been edited by fly126: Mar 14 2014, 01:00 AM

I Don't Think You can Get Malaysian Credit Card...
They Will Reject You coz the Reason of NO Malaysian Income Proof Documentation (ie, EPF) due to the Reason of Your Stability, Reputation & Duration of Your Employment/ Business (Working at Overseas+ Not Staying in Malaysia)...
I think They ONLY Accept Income Proof from Singapore & Brunei....

But Anyway, as Alternative... You may Try FD Pledging for Credit Card from Some of Banks in Malaysia to Get a Malaysian Credit Card...

This post has been edited by fly126: Mar 15 2014, 09:42 PM

OIC... Macam ni You Should Try to Apply Credit Card with Your Singapore Income...
Try OCBC, UOB, Maybank, Citi or HSBC They do have Branch in Singapore, Maybe You Call them to Inquiry ...

This post has been edited by fly126: Mar 15 2014, 09:55 PM

What I Mean: Call Malaysian Branch to Inquiry 1st... Whether They Accept Your Singapore Income Documentation for Credit Card Apps...

This post has been edited by fly126: Mar 15 2014, 10:04 PM

More About...
Difference Between Citibank Cash Back Platinum & UOB One Card:

Citibank Cash Back Platinum Annual Fee - $195 (Income Requirement RM40k p.a)
UOB One Classic / Platinum Card Annual Fee $68 / $168 (Income Requirement RM24-36K p.a)

BUT, You Can Earn More $$$ with Citibank Cash Back Platinum...

* 5% for Petrol Cash Rebate [capped at RM600 for Citibank CB Platinum RM300 / RM500 for UOB ONE Classic / Platinum card per month.]

* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM200 / RM300 for UOB ONE Classic / Platinum card per month Citibank CB Platinum Rebate will be Unlimited as Long U Pay the Bill thru Citibank Online]

* 2% for Groceries [capped at RM1000 / RM1,500 for UOB ONE Classic / Platinum card & RM3,000 for Citibank CB Platinum card per month]

* 2% at Pharmacies [No Capping on Both Citibank & UOB CC]

But Anyway, the Citibank CB Only credit the cash back earned once you reach RM50 & If the cash rebate is less than RM50 for a particular month, the total cash rebate amount will be carried forward to the following month... Meanwhile, the UOB credit the cash back monthly into the account...

Another Cons of Citi CB Plat.... the 2% Phone Bills Rebates ONLY Available with Payments Made through Citibank Online & One Bill Payment... Whereas You can Enjoy Phone Bills Cash Back with UOB Card with any Payment Channel ie: at Online Portal or Pay Over the Counter...

+ U Will Get 5% + Another 2% Smart $ Cash Rebate at BPH Petrol with UOB One Card as for the Citi CB Plat. Just Plain 5% Off for All Petrol Station & Also Don't Forget 5%Off on GSC Tickets with UOB One Card...

I think UOB One Card is Clearly Outshine & More Practical Useful if Compare to Citibank Cash-Back Platinum...

This post has been edited by fly126: Mar 17 2014, 12:28 AM

How About Alliance's Visa Infinite the Benefits also Quite Good as Income Requirement are more Lenient just RM150k p.a Compare to MBB Infinite need Income RM180k a Year...
It's Lifetime Annual Fee Waiver - Enjoy perpetual annual fee waiver on your principal Alliance Bank Visa Infinite Credit Card with a Minimum spend of RM30,000 within 12-Month period...

As for MBB Infinite Will Need to Spend a min of RM50,000 p.a baru Dapat AF Waiver for the Subsequent years ...

Alliance Visa Infinite: http://www.alliancebank.com.my/Personal-Ba...spx#eligibility
OR
https://forum.lowyat.net/topic/2474465

This post has been edited by fly126: Mar 18 2014, 08:09 PM

So, Nothing is Perfect, mah...

This post has been edited by fly126: Mar 19 2014, 09:50 PM

Becoz...
OCBC World MasterCard (Income Requirement $60k p.a, Come with an Annual Fee $388)

This post has been edited by fly126: Mar 24 2014, 12:17 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

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

I would Recommended Maybank2Cards currently the Best CC you can have...

This post has been edited by fly126: May 3 2014, 10:13 PM

I) Maybank 2Cards (Currently the BEST Card U can have Now)
It's FREE for Life NO Annual Fee with a Treat Point (Basis) on 3 Years Lifespan 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.
*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.
* 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Card member) per month
+ Used the Treats Point to Offset Yearly GST or Enrich Air Miles Redemption... Although the Treats Point come with 3 Years Expiration Period
https://forum.lowyat.net/topic/3140027

II) CIMB Cash Rebate Platinum MasterCard (Free 4 Life)
*5% Cash Rebate on e-Commerce spend
*10% unlimited Cash Rebate on retail interest charged
*2% Cash Rebate on Groceries and Petrol
*2% Cash Rebate on Mobile & Utility Bill Payments (via Standing Instruction)
*0.2% unlimited Cash Rebate on other retail spend
http://www.cimbbank.com.my/creditcard/atta...mber%202014.pdf

This post has been edited by fly126: May 27 2014, 05:27 PM

UOB One (Classic) Card just a Nice & Simple Card for U to Earn $$$...
Earn Cash Rebates ON:
* 5% for Petrol
* 5% for Cinema at GSC only
* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom)
* 2% for Groceries
* 2% at Pharmacies
* 0.3% on Others Daily Spend
*Enchanted with SMART$ Cash Rebate Privileges
https://forum.lowyat.net/topic/2943431

This post has been edited by fly126: May 29 2014, 05:05 PM

Yup... Maybank2 Cards Currently the BEST CC

Since U Already have RHB CC Why Not U just Request Upgrade Your Current RHB Credit Card to RHB Platinum to Enjoy More Benefits:
*15% cash-back on weekends on Dining for life or 30% cash-back during your birthday month at selected dining outlets.
*2X reward points(Non-expiring, evergreen reward points) - Overseas Travel spending, airline tickets, travel packages, car rental and duty free purchases.
*4x complimentary access into all Plaza Premium Lounges in Malaysia
*Annual fee waiver - If You are Regular User, just Call CS request AF Waiver from RHB
*Travel insurance coverage of up to RM1 million + Purchase Protection Plan up to RM30,000 p.a
*Zero liability on unauthorized transactions of lost and stolen card
http://www.rhb.com.my/cards/credit-card/cc...tinum_main.html

This post has been edited by fly126: May 30 2014, 02:16 AM

Yup... They do have Different Capping on UOB One Classic & Platinum

* 5% for Petrol Cash Rebate X [capped RM300 = Max. CB RM15 for Classic / RM500 = Max. CB RM25 for Platinum card per month.]

* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) X [capped at RM200 = Max. CB RM4 for Classic / RM300 = Max. CB RM6 for Platinum per month]

* 2% for Groceries X [capped at RM1000 = Max. CB RM20 on Classic / RM1,500 = Max. CB RM30 on Platinum per month]

* 2% at Pharmacies [No Capping on Both UOB CC]

This post has been edited by fly126: May 30 2014, 11:07 PM

https://forum.lowyat.net/topic/2979093/+200 Pls Refer to Post#210 & be Regulary User will get Annual Waiver from the Bank...

UOB One Card - a Pure Cash Card
Earn Cash Rebates ON:
* 5% for Petrol Cash Rebate X [capped RM300 = Max. CB RM15 for Classic / RM500 = Max. CB RM25 for Platinum card per month.]
* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) X [capped at RM200 = Max. CB RM4 for Classic / RM300 = Max. CB RM6 for Platinum per month]
* 2% for Groceries X [capped at RM1000 = Max. CB RM20 on Classic / RM1,500 = Max. CB RM30 on Platinum per month]
* 5% for Cinema at GSC only
* 2% at Pharmacies
* 0.3% on Others Daily Spend...
* 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 as be a Regular User to Them

Cons:
But Beware the current Petrol Rebates now already got limit quota capped at RM900,000/ month on 1st come, 1st serve basis... As sometimes We X get any Petrol Rebate at the Middle of the Month cos Quota dah Habis

This post has been edited by fly126: Jun 16 2014, 05:14 PM