it's just 100k per annum

how about maybank vi and premier 2?

Like I said do ur own search ...Google it..very easy la!

This post has been edited by tigaxxx: Aug 4 2014, 03:54 PM

what i search different from what u guys say.. so i bit confused

Actually, What Card caught Your Interest to Apply & U need more Info on Which Card:
Maybank 2 Cards Premier, Public Bank VS or Maybank Visa Signature...???


This post has been edited by fly126: Aug 4 2014, 08:04 PM

I believe now i more interested in Premier 2

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: A must

3. Card required for: petrol, groceries, dining, electrical stuff

4. Existing credit cards if any: using my wife's MBB dual card

5. Looking at CC from: any bank with good service

so good service is your priority? not cash rebate?

Hi, I would appreciate your help. This is my particulars.

1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate Only

4. Existing credit cards if any:

Alliance Bank PL Visa (max. 68.75 cash back already from monthly insurance).
+4 others which I am thinking of cancelling (Ambank PL CARZ Master, Public Bank PL Visa, RHB PL Master, Citi Bank PL Visa)

5. Looking at CC from: Thinking of getting 2 to replace the above 4, maybe Citibank cashback / Hong Leong essential

6. Others:

Not interested in Airport Lounge Access, I don't travel much international

New cards to pay for below expenses apart from the 5K monthly insurance above;

- insurance 30000 once off on April next year (<- looking for max cash back for this big item)
- internet Taopao ~ 600 per month
- internet malaysian airlines ~ 400 to 1000 per month (all domestic only)
- internet utilities (streamyx, postpaid digi, electricity) ~ 500 per month
- supermarket grocery ~ 300 per month
- petrol ~ 150 per month

Thank you very much.

1) pbb vs for grocery/online/dining 6% capped at rm60/month
2) ocbc tmc / hlb essential for 1% unlimited cashback

you may need a third cc besides the 2 cc suggested above, perhaps cimb cr platinum (5% for online) or mbb2cards (5%+5xtp during weekends).

both actually.

you may try hlb wise for 10% cb but need to abide by the rules of minimum 10x >rm50.

Hi all, need your recommendation based on below criteria:

1. Annual Income: Undisclosed

2. Free Lifetime Annual Fee: No

3. Card required for: PruBSN insurance monthly premium installment ( > RM1k monthly)

4. Existing credit cards if any: Nil

5. Looking at CC from: Any credit card provider with good effective cash back (CB+reward points+etc)

6. Others: Please be specific. Example: I want cash back and and reward points from monthly insurance installment only.

Thanks!

go for aeon watami 3% cashback per quarter with minimum rm3k expenses per quarter (up to rm5k per quarter).
https://forum.lowyat.net/topic/2664640

actually without you disclosing your annual income, it is hard for us to suggest you. but since aeon watami is just a classic card, it will be easy for anybody to get it.

how is the 3% cash back per quarter calculated if my insurance autodebit is rm1000 per month?

will i receive rm90 every quarter?

yes, you are right. and your max cb per quarter is rm150 with rm5k expenses (including any transaction except for petrol).

I think MBB Visa Signature will Suit You Best cos their Annual Income Requirement ONLY RM100K compare to RM180K on MBB 2Cards Premier...

Btw, U can get More info from GEN-X's Review on Both Cards...
http://generationsxyz.blogspot.com/2014/07...re-another.html
http://generationsxyz.blogspot.com/2014/03...prehensive.html

This post has been edited by fly126: Aug 6 2014, 02:28 AM

1. Annual Income: 120k/year
2. Free Lifetime Annual Fee: Yes
3. Card required for: Insurance, online transactions and EPP
4. Existing credit cards if any: CIMB Direct Access & Hong Leong GSC Platinum
5. Looking at CC from: Cash back

6. Others: Please be specific. Example: EPP acceptance.

1. Annual Income: AUD 69K/year
2. Free Lifetime Annual Fee: Not necessary, as long as rewards/savings can cover it
3. Card required for: miles redemption, airport lounge, rewards
4. Existing credit cards if any: M2U 2 cards (Gold)
5. Looking at CC from: Not sure

6. Others: I fly back to Malaysia twice a year, preferabbly AA or MAS. For unknown reason I was denied a credit card by AMEX (in AU) when I applied 2 months ago.

My questions:

*How does malaysia bank see my salary figure as the requirement for credit card, do they just convert it to MYR from AUD, which means I'm eligible for any CC with requirements above RM200,000+-?

*Will my finance background (having loans, cc, etc.) in Malaysia affect my cc application here in AU?

*I'm using Citi Global Transfer, it seems to me that the conversion rate from AU to MYR is not as good as MYR to AU? And hence, the Q that always buffled me was, is it worth to use MYR credit card to pay for most of my expenses here >AUD50, and pay that cc using MYR after converting AUD using Citi Global Transfer? For the sake of reward points.

*Given the great reviews about MYR CC compared to others, even in AU, do I need a AU CC then for reward/mile points purpose?

Appreciate anyone with overseas experience to answer my questions. Thanks!

There will be NO Affection on Your Aus. Apps. Unless You're on the Wanted List for Interpol...

i) Maybe You can Tried to Apply Citibank Amex or AirAsia-Citi Visa Plat to Collect Air Miles...
http://www.citibank.com.my/english/credit-...CCAEXENCCHMCALM
http://www.citibank.com.my/english/credit-...CCAAPENCCHMCALM

ii) NO Conversion on Annual Income (Ratio 1: 1) So far as I know they (Malaysian Bank) ONLY Recognised Singapore & Brunei income but NO idea whether they Accept AUS Income as Reference

iii) OR You can just Signup a Citi-Gold Private Banking Service (min. Initial Deposit RM200,000) in Malaysia to Enjoy their Globalized Banking Service(Credit Card) Privilege, Whether You at Malaysia or Australia...
http://www.citibank.com.my/portal/citigold...Code=MYGAPTNGBP

This post has been edited by fly126: Aug 7 2014, 06:53 PM