1. Annual Income: RM24K to RM30K.

2. Free Lifetime Annual Fee: No.

3. Card required for: Petrol, Any transaction that swipe in advance for company and claim back later on.

4. Existing credit cards if any: No.

5. Looking at CC from: -

6. Others: Credit card that apply must provide the maximum of benefit to me.

Thanks.

I) HLB Wise Card: 10% Cash Back Must do Min. 10x RM50 transactions per month to qualify a Cash Back+ NO Annual Fee Waiver https://forum.lowyat.net/topic/3156131
II) UOB One Card: Up to 5% Petrol Rebate https://forum.lowyat.net/index.php?showtopi...&#entry68505615
OR
Just Refer the Post above Yours for the Recommendation...

This post has been edited by fly126: Aug 11 2014, 10:08 AM

I need help to recommend on which credit card I should apply.

1. Annual Income: +- MYR100k

2. Free Lifetime Annual Fee: if possible

3. Card required for: cash back or good reward points on groceries, bills, etc

4. Existing credit cards if any: RHB Classic

5. Looking at CC from: any international banks

6. Others: if possible the reward points do not have expiration date or cash back do not have minimum spending per month.


TQ

u can apply mbb 2 cards & mbb VS

Since U Already have RHB CC Why Not U just Request Upgrade Your Current RHB Credit Card to RHB Platinum to get 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

"Your Credit Card Checklist"
I) Maybank 2 Cards https://forum.lowyat.net/index.php?showtopi...post&p=68551797
II) Citibank Cash Back Platinum https://forum.lowyat.net/index.php?showtopi...post&p=67010433
III) Public Bank Visa Signature (AF Waiver subject to 12X Swipes a Year) - 6% Cash-back, On Grocery, Dining, Online Transactions... https://forum.lowyat.net/topic/3219080

This post has been edited by fly126: Aug 13 2014, 10:48 PM

TQ

I'm staying in the East M'sia where most of the dining are not applicable here. It won't be much benefit if the cash back is on dining. Majority of the grocery shops are not available here

Maybank 2 cards benefits are more on amex but in East M'sia, amex are hardly acceptable

In that Case, You can whether Upgrade Your RHB CC to Platinum OR/& Opt between Citi CB Plat. & Public Bank VS as Your 2nd CC but I think Citi CB Platinum will Served You Better... https://forum.lowyat.net/index.php?showtopi...post&p=67010433

Btw, You can Check on Which Place do Accept Amex in East Malaysia at: https://forum.lowyat.net/topic/2819336
If You still Interested to get MBB 2Cards (1 of the BEST CC now), maybe later...

This post has been edited by fly126: Aug 14 2014, 01:23 AM

Thanks

checked on the list, Amex not available where I stay
If I apply maybank 2cards, can I only want Amex but not mastercard or visa?

unfortunately no, because the two cards come as one package... but now with two gst.

This post has been edited by victorywp: Aug 14 2014, 12:17 PM

no point having so many cards and need to pay gst. somemore, not much places I can use here.

thanks for all the advices. I guess I upgrade my RHB and apply Citibank.

Btw, is can Citibank card be waived annual fee?

1st Year there will be Annual Fee Waiver subject to 3x Swipes within 60 Days from the Card's Approval Date...
As for the Subsequent years, just call-in Customer Service to Request AF Waiver, It should be No Problem to get Waiver
cost You're already a Regular User to their CC...

ME a Citi CB Plat. (2013) & Clear (2011) CC User also NO Problem to have MY Annual Fees to Waive with just a Call...

Btw, As U Asking This at RHB Thread:

OR with an Accumulative Card Spend of RM36k p.a also can Enjoy Auto-Annual Fee Waiver...

But Anyway, I think as long You're RHB Cardholder, AF can EZly be waive by Calling CS.
cos Years ago, RHB have called me 2x Begging me to keep their CC as long as possible & with a Lifetime Fee Waiver for ME
At the End, I just Keep the Card for Another Year but now already Cut-off due to I got 10+ Other Cards to Feed...

This post has been edited by fly126: Aug 14 2014, 09:54 PM

I guess I roughly know what card I want. I am just afraid that I won't be able to use as much as what the banks required looking at the area that I am living.

If I am not that regular user, not sure the banks are willing to waive the annual fee for me.

Getting another card is spare for me in case the other card cannot be used (due to offline, etc) but of cuz I wanna maximize the benefit of the card if I am to apply one.

are we allow to have sooooooooo many cards ?

Yes, so long annual income is above RM 36k. You can have as many as you want but you might be suffering from GST and annual fees (if any).

How's Going...???

Major Reconstruction NEEDED by Next Year...

Thanks

isn't that the more card you have then you will tend to use more

1. Annual Income: Rm24k to 30k

2. Free Lifetime Annual Fee: A must

3. Card required for: Cash Back/Rebate Only (no car so no need petrol benefit)

4. Existing credit cards if any: Nil

5. Looking at CC from: Previously looking at MBB2card but since they introduced double GST for it,I become sceptical(Doubt i will be able to spend to get rebate/cashback to cover Rm100 GST).Conclusion:None currently,any good suggestion?

6. Others:Looking for a good cashback/rebate credit card.Rarely gonna use it except for groceries and maybe some online purchasing.Just wanna get a credit card for emergency use and getting a good credit record so that I can get a better rate for my future house loan.(my older sister experienced it where she cant get good loan rate cause she never use any credit card and thus no credit record)

for me, i have many cc with each of the cc has its function for me to maximise my monthly cashback.

how about your other expenses? bills (electricity/water/phone)? dining/movies/departmental/etc.? you need to let us know roughly how much is your monthly expenses.

None..I'm living at company dorm,food also provided.. Rarely go outside dinner. Movie also only once a while. So no utility's bill.. Phone is prepaid basis.. Basically is I will just use the card for my own "fell good" expenses

This post has been edited by Zdes: Aug 15 2014, 04:31 PM