Info for credit card newbies:

1. Minimum income requirement to qualify for a credit card is RM24,000 per annum (effective from 18th March 2011). You must be able to submit proof of your income.

2. Minimum age to qualify for a Principal credit card : 21 years old. Supplementary cardholders: at least 18 years old.

If you do not/cannot meet the above requirements, then you are not qualified for a credit card. You still can go get a debit card and enjoy the convenient similar to a credit card.

3. If you are a foreigner or your income is from overseas (e.g. you work in Singapore), please refer directly with the bank if you are eligible for their credit cards

4. There is no such thing as the best credit card, it depends on your needs and each card has its own benefits.

5. For those earning less than RM36K, your credit limit should be 2X your monthly income in accordance to BNM guidelines. For those earning more than RM36K, the credit limit assigned to you is entirely up to the bank. With BNM latest guidelines, banks are no longer allowed to increase a cardholder's credit limit without his/her consent.

6. There is a Government Service Tax of RM50 for each Principal Credit Card. If you apply for a credit card and the moment it is approved, you are responsible for the RM50 GST. So make sure you want the card before applying for it.

7. And the only thing that is of importance regarding credit cards is - DO NOT do apply for a credit card if you have no cash or savings to pay for your transactions. Credit card interest rate is very high and many go bankrupt because they have no discipline in controlling their spending. Always settle credit card bills in full monthly, never say just once, if you don't have money today in the bank to pay your credit card bills, what makes you think you will have enough money tomorrow to pay your credit card bills? DON"T be a slave to the banks.

8. If you cannot afford to pay the RM50 GST, GO GET A DEBIT CARD!


When choosing a credit card, below are things to consider

1. Free Lifetime Annual Fee - if the card does not come with automatic annual fee waiver, e.g. 12 swipes per year, then you have to waste time requesting for annual fee waiver yearly.

2. What is the main purpose of you getting a credit card? - Petrol, Cash Back/Rebate Only, Overseas Transactions, Golf, Installment Plans, Airport Lounge etc. Do some homework and you shall benefit from using the right credit card instead of grumbling over the miserable RM50 GST.

3. Convenience in making payment. You are to make payment before the Due Date or else you may be imposed Late Penalty Fee and Interest Charges.


For Recommendation - please post according to format in Post#2 below.


Actions required after you get your first credit card.

1. Read the Terms and Conditions of your credit card.

2. CLICK HERE and read this thread so that you won't be conned.

3. Call Customer Service (number behind your card) and request that your credit card sms alert default value to be set to RM1. Click here to the relevant thread.

4. Click here to read my article Credit Card Fraud Calls and Banks Default Value for SMS Alert in order to reinforce into your head so that you won't be conned.


Gen-X's recommendation for those new to credit cards:

Annual Income RM24K/year to RM30K/year.

UOB One Card - good for Petrol as it earns you 5% cash back for all stations. However the cash back is capped at RM15/month, i.e. up to RM300 petrol. And if you pump at BHP, you get to earn SMART$ too PLUS BHP points.
Click here to UOB Thread for further info or click here to read my review of the UOB One Card.

MACH by HLB - from the very start you need to choose the right package based on your spending pattern. It earns you 10% cash back for movies or 5% cash back for dining.
Click here to MACH Thread for further info or click here to read my review of the MACH by Hong Leong Bank.

To see more credit cards where the eligible income starts at RM24K/year - click here to read my article on Entry Level Credit Cards.

Minimum Annual Income RM30K/year.

FREE FOR LIFE Maybankard 2 Cards. This is a combo package where you are issued an American Express and you can decide to partner it with either a Visa or MasterCard. The MBB 2 AMEX earns you 5X Treats Points everyday for any transactions which is like approximately 2.5% cash back when redeeming for cash vouchers AND best of all it also earns you 5% cash back on Saturdays and Sundays.
Click here to MBB 2 Cards V7 Thread for more info or click here to read my review of the Maybankard 2 Gold and Platinum Cards.

In my opinion, the Maybankard 2 AMEX is truly good for local transactions since we earn 5X Treats Points which are evergreen. For overseas, please bear in mind that the conversion rate is high (go read MBB 2 Thread Post#2 FAQ).

Note: if you can't wait tilll Saturday or Sunday to pump petrol, consider getting the UOB One Card. Also this free up the 5% cash back for the MBB2 AMEX on weekends for other types of expenses. And as of December 2012, Petronas stations accept AMEX


OTHER RELATED LINKS

If you are looking for Premier Credit Cards with good Enrich redemption and other goodies - click here to Maybank 2 Cards Premier Thread.

If you are looking for a credit card purely for petrol, go to Petrol Thread by clicking here.

If you are looking for a credit card for free access to KLIA and LCCT Plaza Premium airport lounge click here to that thread.

If you are into Enrich Miles for FREE air tickets, click here to Enrich Miles Thread and see which is the best card for converting points to Enrich Miles.

If you are looking for 0% Balance Transfer, click here to BT Thread. And if you are new to Balance Transfer, please click here to read my article Balance Transfer Plans - Facts You Need To Know before signing up for one.

If you are looking for cards that offers 0% installment plans, Maybank credit cards are accepted at many merchants where you can opt for Ezy Pay starting from 6 months and up to 36 months. However, once again, if you don't have savings please do not sign up for 0% Installment Plans because you will be in debt. And I advise you to go for shorter period. Click here to read my article 0% Installment Plans - It IS A Trap.

If you are only interested in cash back cards, click here to my Cash Back Credit Card Page at my blog where I have listed cards offering cash back and also a table comparing them.

If you are an Insurance Agent or spend up to RM5K per month at places that do not accept American Express, look into Alliance Platinum Credit Card where you can earn up to 2% cash back (approximately RM68/month with RM5K spending) PLUS reward points too.

And if you must know what is the best credit card for local and overseas transactions, click here to my article titled The Best Top 10 Credit Cards in Malaysia - Ultimate Showdown 2015.

Last but not least, if you are new to credit cards please visit my Credit Card Tutorial Page by clicking here. I have designed a series of articles for you, after completing the FREE tuition, you'll be an expert on credit cards


This post has been edited by Gen-X: Apr 11 2015, 11:10 AM

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM24K to RM30K or RM30K to RM36K or RM36K to RM60K or RM60K to RM100K or RM100K to RM150K or RM180K and above or leave blank.

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: List all your needs. Example Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , Golf, etc or Don't Know.

4. Existing credit cards if any: List them or Nil.

5. Looking at CC from: Citibank - Premier Miles

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.

By filling up the above, then others can make suggestion based on your needs. Actually, if you list out item 3, you yourself would most probably have answered your question above.

This post has been edited by Gen-X: Oct 1 2013, 08:38 PM

Looking for Cash Back Credit Cards between RM1K/month spending and up to RM7K/month spending, click here and read my article The Best Cash Back Credit Cards.



If you are looking for a credit card to earn Enrich Miles, click here to my Comprehensive Tutorial on The Best Credit Cards To Earn Frequent Flyer Miles. In this tutorial, you will be taught what cards to get, quickest way to redeem a FREE Business Class ticket, it may not be worth while to redeem for a Economy Class ticket and much more.



This post has been edited by Gen-X: Apr 11 2015, 11:00 AM

1. Annual Income: RM30K to RM60K

2. Free Lifetime Annual Fee: A Must

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

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

6. Others: Need it urgently as will be going singapore on next week. Currently only have 2 months payslip

Thank you!

I'd like to extend my thanks to all the contributors of V1 and now we are at V2. I know there is a lot of goodwill and efforts that have been put in place and I'd like to say that myself (and the MODS) appreciate it.

Just a friendly reminder to our readers posting their questions here to follow the format given and not to treat here like a Kopitiam thread. The guideline are provided to provide ease of use, understanding and consistency in our answers to help you.

All the efforts here are on voluntary basis and the best way to appreciate the folks here is to at least follow the format and guidelines given. It is not too much to ask and I hope to receive nothing less our readers cooperation on the subject matter.

Thank you, hye

This post has been edited by hye: Oct 1 2013, 09:47 PM

Not sure whether your variable income is 30k basic + 30k variable commission. However I would recommend OCBC Titanium. It covers "cash back or good reward points on groceries, bills" and has promotions in SG.

Challenge is getting by next week

Else go for 1h approval MBB2 cards.

For more information about OCBC cc, u can refer as per link as well

https://forum.lowyat.net/topic/2703542

Thanks for the advice but because I need it urgently.. I went to Maybank Card Centre and got my card within 1 hr. Superb service!

Called OCBC and they told me will need 2 weeks for the card to be issued

This post has been edited by mashimoro85: Oct 2 2013, 09:35 PM

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol, insurance, bills

4. Existing credit cards if any: Pbb master card

5. Looking at CC from: open at the moment
6. Others: I want cash back and rewards points (looking for more dining promotions and epp)

Wah, you want both cash back AND reward points

If your annual income requirement is RM30K, go get the Maybankard 2 Cards and earn yourself both cash back and Treats Points for Petrol. Not many insurance company accept AMEX (some reported AIA now does) but you can still use the Visa or MasterCard and earn Treats Points. Click here to Maybankard 2 Cards thread or clcik here to read my review of the Maybankard 2 Cards.

If your income is no where near RM30K/year, there is still a card that earns you 5% Cash Back for petrol - it is the UOB One Card. Click here to UOB credit card thread, and or click here to my Credit Card Cash Back Page at my blog to see comparison.

Now, if you pump petrol at least 10 times a month and each time it cost more than RM50, click here to HLB Wise Credit Card thread and see how you can earn 10% cash back.

I would like to apply a credit card.
I have 2 options in my hand now, either CIMB Credit Card or RHB Credit Card.
I choose among this 2 because my payslip is debited into this account whilst, I have hire purchase account with RHB Bank.
Hence, it might helpful in easy approval.

The problem now is, I not sure which one is the best.
On top of that, I need the card for fitness center usage only, or maybe in some restaurants.

Can you assist me on this matter please?

Thanks in advance.

RHB and CIMB got alot of types of credit card.

Go here : http://www.imoney.my/credit-card to compare other banks credit card. U can select the CC u prefer depends on which one u want. Example, I want petrol benefit. The website will show you a list of credit card that gives petrol benefit, from the best rates to the lowest for you to do a comparison.

Thank you.

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: Prefer can waive by swiping

3. Card required for: Petrol, Cash Back/Rebate, utilities, Rewards, Movie.

4. Existing credit cards if any: Nil.

Thinking of the UOB one card, citi clear card, citi cash rebate.

For Your Credit Card Recommendation pls Refer to: https://forum.lowyat.net/topic/1973206/+2200 MyPost 2209-10
FYI, Maybank 2Cards & OCBC Titanium were Best Combo ..., If Compare with UOB One Card or Citibank Clear Card
You can get Details from My Post 2209-10

This post has been edited by fly126: Oct 15 2013, 10:36 PM

Bro,

for cash rebate and reward points

1) Maybankard 2 Cards

a) It is FREE For Life

b) The Maybankard 2 Cards AMEX earns you 5% cash back (on Saturday and Sunday) PLUS 5X Treat Points everyday.

c) good if you can wait until Saturday and Sunday to perform transactions with your card.

d) cash back is capped at RM50/month, i.e. you earn 5% cash back up to RM1K spending on weekends in a month and after that still earn the 5X TP

Click here to Maybankard 2 Cards Thread or click here to my Maybankard 2 Cards review.

2) OCBC Titanium MasterCard

a) Annual Fee waived with 12 swipes.

b) You earn 5% cash back everyday for Petrol, Dining, Groceries, Telco and Utilities.

c) cash back also capped at RM50/month, i.e. after spending RM1K on the 5% cash back categories, you won't get a sen more in cash back.

Click here to OCBC Titanium MasterCard thread to see where you can earn 5% cash back.

Noted one of your requirement is Movie and I guess that is why you looking at the Citi Clear Card. If you do go to movie on Fridays with a partner where you get 1 for 1 free ticket at GSC, TGV and Cathay, this card is excellent. If you only go like once a month to the movie on Friday, then you should go and calculate how much you can save and then deduct the annual fee of RM90 and RM50GST to come out with the effective savings. If you don't go to the movie on Fridays, you still get discounted ticket at TGV but you got to go many times just to break even with the annual fee. Now if you go with your partner to Coffee Bean Mon-Fri, this card is good too, but then again, you got to drink lots of coffee to break even the annual fee once again, hahahaha. First year annual fee is waived and you can always decide on the 11th month if the Citi Clear Card benefited you, if no cancel it before the 12th month (before card anniversary) to avoid paying GST.

Since your annual income is RM36K, you can only apply with 2 card issuers in accordance to BNM guidelines.

So, my recommendation is,

1) OCBC TMC and MBB 2 Cards if you want cash back only.

2) OCBC TMC or MBB 2 Cards if you want cash back + Citibank Clar Card for FREE 1 for 1 movie ticket.

This post has been edited by Gen-X: Oct 16 2013, 10:43 AM

1. Annual Income: RM80,000

2. Free Lifetime Annual Fee: No.

3. Card required for:Usual petrol and bills autopay

4. Existing credit cards if any: Nil.

5. Looking at CC from: NIL

6. Others: I am looking for cards that give interest free period for certain number of month for new approval/card. From my reading in this forum i got to know that previously RHB had 6 month interest free for promotion. So i am looking for cards/banks that give such promotion.

For Petrol and Auto Debit, click here to learn more about OCBC Titanium MasterCard and click here to learn more about the Maybankard 2 Cards.

As for you wanting interest free period for new card - check out Alliance Bank Platinum credit card where it offers 0% for 1st 3 months and Mach by Hong Leong Bank too.

Just a word of caution to those thinking of signing up for a new card offering 0% for the first few months. It can be a very dangerous tool if one does not have money in the bank to pay off his/her transactions. After the promotional period, if one is unable to settle the Outstanding Balance in full, he/she will be imposed 18% interest rate. Also this kind of promos is designed to entice one to spend beyond his/her means.

This post has been edited by Gen-X: Oct 17 2013, 04:19 PM

Hi guys,
I would like to get a credit card for my parents usage, for petrol and groceries mainly.
I dont intend to register their name as they are quite resisted so I cant get them a supplementary card. if i am giving them my existing cc they cant use it too due to signature and not legit.
Debit card got limit to spend depends on my saving inside that account but I dont want to set the limit for them.
So any card recommended? I cant think of any.

Firstly, you are required to post in accordance to the format, having said that, I guess you can't, hahaha

Wah, this is like a riddle,

You want credit card for your parents but

1. Cannot give them supp from your account because they won't permit you to apply using their names.
2. Cannot give them your card - this is a foregone conclusion.

Plus another condition 3. No Debit Card.

So option is - give them supp card and register under a nickname, e.g. Roberto Yu for your dad and Kardashian Yu for mummy

The way I see it, your dad and mum do not want the hassle of holding any credit cards for security reasons. And it is hard to impose your wish onto them. So let it be and give them CASH.

This post has been edited by Gen-X: Oct 22 2013, 10:21 AM

Thank you for having this thread and sharing your recommendation:

1. Annual Income: leave blank.

2. Free Lifetime Annual Fee: Preferably YES.

3. Card required for: I spend in overseas and airfares.

4. Existing credit cards if any: Standard Chartered Master card(Am deciding to cancel it very soon).

5. Looking at CC from: No idea, that's why I need some recommendations.

6. Others: I want 2x or 3x or even 5x for overseas spending. Great reward program like what Citibank and Maybank and HSBC is having. Looking at these 3 banks for now.

Thank you.

For overseas usage online or in person, you can consider Maybankard Visa Infinite, Allaince Bank Visa Infinite and UOB Visa Infinite where all these 3 cards earn you 5X reward point. However, the Maybank Visa Infinite has the best Enrich Miles conversion rate.

Click here to read my review of the Maybankard Visa Infinite. Please note that Maybank has revised the Treats Point for redeeming stuff last August and now we need 12.500 Treats Points to redeem RM50 cash voucher.

Click here to my article My Son Is Going To The USA Again on Business Class. In this article I compare the above said 3 cards for Enrich Miles.

Click here to read my article The Best Credit Card for FREE Entries to Aiirport Lounge. In this article once again I compared the 3 cards mentioned above.

As for Annual Fee, first year all FREE, 2nd year onwards see below:

Maybank VI annual fee waived with RM50K spending.
Alliance Bank VI annual fee waived with RM30K spending.
Alliance Bank Privilege Banking Visa Infinite - FREE FOR LIFE
UOB Visa Infinite annual fee waived with RM50K spending, not an card feature but that's what you will be informed.

As for HSBC Visa Signature, they do offer 5X and 10X points for selected overseas spending and IT IS NOT a card feature but limited time promotion. Click here to read my article on HSBC Premier World MAsterCard and Visa Signature to get an idea and then go check out latest promo.

As for Citibank, their cards reward points not as good as the Visa Infinite mentioned above BUT click here to my Wordpress blog to read my post on 60,000 FREE Enrich Miles with Citibank PremierMiles American Express.

Now, as for airfares, I shall assume it is a local spending So for economy class, most airlines accept AMEX, therefore go get the Maybankard 2 Cards American Express and earn yourself 5X TP. Click here to Maybankard 2 Cards Thread to learn more. For Business class or First Class, go look for cards that give you buy 1 free 1

This post has been edited by Gen-X: Oct 23 2013, 03:29 AM

Hello Gen-X, thanks for the recommendation.

Actually am looking into Maybank Visa Infinite now. But I can see The Maybank Manchester Visa Infinite offer more TP, things like even when you pay for your petrol, you'll get 5x TP too.
Even when Manchester United win, you'll get 5x TP too....well, just that these days they don't win that much anymore. What will the 5x be against when Man Utd win?

Thanks for sharing.

This post has been edited by MyWifeCar: Oct 23 2013, 12:33 PM

Bro, like I said, for local usage get Maybankard 2 Cards AMEX, you get 5X points everyday plus 5% cash back on weekends, better than MBB MU.

And if you are going to apply for MBB VI or MBB MU, since you there might as while apply for the FREE FOR LIFE Maybankard 2 Cards. Oh, fastest way to get a Maybankard 2 AMEX is you go to Maybankard Centre at 1U New Wing 1st floor or Gardens near Robinsons. Kill two birds with one stone and only need to bring along 1 set of your documents. Go to MBB Thread and you will see Maybankard Centre 1U Contact number. But members have reported that it is under renovation and I cannot remember when it is scheduled to be reopen. So maybe go dig out Maybankard Centre Gardens number and ask them what doc to bring along.

applied for OCBC, trying my luck on their approval.
Thanks

Wonder why HLB WISE card isnt under consideration? Is good card if u fullfill the conditions right?

Bro, usually it is gross, i.e. amount stated in your income tax submission form, e.g. BE Form.

Since you do not plan to use a credit card except for petrol, minor shopping and phone bill (which is actually good so that you don't over spend), I guess better go with a card that is FREE FOR LIFE so you do not need to worry about the annual fee like forever.

So the card you should go and apply is the Maybankard 2 Cards where the AMEX earns you 5% cash back on weekends PLUS 5X Reward Points everyday. And if the merchant do not accept AMEX, you have the Visa or MasterCard on standby to taste some actions.

BHP should accept AMEX but I recommend you go check your station. The MBB 2 AMEX is really good for your weekend pumping because you earn 5% cash back.

Click on the thread below to learn more about the Maybankard 2 Cards. Fastest method to get the MBB 2 Card is go to Maybankard Centre at 1U or Garden (not Maybank Branch). OR you can also email to them, refer link below again.

https://forum.lowyat.net/topic/2989298

And once you get the MBB 2 Cards, go to MBB Branch and register for Maybank2U and you can even use your new MBB 2 AMEX to pay your phone bills (mobile, telekom, unifi), your house local council assessment plus many other payments.

And NO, you cannot use credit card to pay loans.

This post has been edited by Gen-X: Oct 25 2013, 12:58 PM

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash Back/Rebate Only. Probably mostly retail like groceries, dining, and some online transactions.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Open to any suitable

6. Others: First card ever. Currently have no credit history or such.

Thank you for your advice

Groceries, well, once again go get Maybankard 2 Cards where the AMEX can be use at Giant, Tesco, Aeon, Cold Storage but not Speed 99 or Econsave. And if you do your groceries shopping on Saturday and Sunday you get 5% cash back with the MBB 2 AMEX. And if you at restaurants that do not accept AMEX, just use the Visa/MasterCard.

And for online shopping, if you pay with Pay Pal, you can also use the AMEX to "deposit" money in your Pay Pal account and earn 5% cash back too - but this is tricky as the timing important. Go to link below to learn more about the Maybankard 2 Cards Page#1 for more info.

https://forum.lowyat.net/topic/2989298

And for those of you who do get the Maybankard 2 Cards, please make sure you go read the links I provided in Post#1 in this thread on Fraud ans Suspicious Calls. Also I highlighted matter relating to Fraud in the Maybankard 2 Cards Thread post#10.

guys, the minimun annual income of 24k is gross or nett ?

Gross...
If EPF Contribution (RM220) is based on Salary Income RM2000 p.m dah Cukup...

How About UOB One Card...??? their Cash Rebate pun boleh Tahan juga
You can Earn Cash Rebate ON:
* 5% for Petrol (Limit to Total Purchase of $300 every Month Entitled for Cash Rebates, Max. Cash Back capped at $15 per month on Classic Card)
(As for One Platinum- $500 per Month with Cash Back $25)
* 5% for Cinema at GSC only
* 2% for Groceries (Limit to Total Purchase of $1500 Per Month Entitled for Cash Rebates it capped at $30 per month.)
* 2% at Pharmacies
* 2% for Telecommunication Bills (Limit to Total Bill of $300 Per Month Entitled for Cash Rebates)
& 0.3% for all Other Purchases (including Online Purchase)...
*Enchanted with SMART$ Cash Rebate Privileges

This post has been edited by fly126: Oct 25 2013, 10:11 PM

lol my gross is 33600

How Much of Your EPF Contribution a Month....???
If Your Caruman Pekerja > RM220 = Your Salary $2000 per Month... Should be NO Problem for You to Get Credit Card

This post has been edited by fly126: Oct 25 2013, 10:42 PM

my contribution would be 300 something, i cant recall the exact amount

i already applied for uob one card, hope my application will be approved

FYI, UOB Card EZ to get Approved, I Also got It Mine one is UOB One Platinum...
Now Come with 2 Years Annual Fee Waiver as NEW Signup....

Good Luck with Application... Do Inform When U get the Card

This post has been edited by fly126: Oct 25 2013, 11:00 PM

will do, im applying for this card because i wanna start my financial track records

Hi all expert here, I need a recommendation on which CC to apply for, any bank doing any great promotion now ?

1. Annual Income: >RM60K

2. Free Lifetime Annual Fee: Yes or small amount (<150 per annual) '

3. Card required for: Petrol rebate, Cash back/Rebate, AirMiles/Travel related reward?

4. Existing credit cards if any: Subsidiary from my dad (want to terminate it after I got my card)

5. Looking at CC from: CC from any bank

6. Others: Just want it for personal use, and I use my CC mostly for petrol and travel.

Thanks in Advance !

I) Maybank 2Cards , the Best Card in Town So Far...
It's FREE for Life 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

II) UOB ONE Card - a Pure Cash Back Card, You can Earn Cash Rebate ON:
* 5% for Petrol Cash Rebate [capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month.]
* 2% Cash Rebate for Groceries [capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month.]
* 2% Cash Rebate for major mobile service providers (Maxis, Digi and Celcom) [capped at RM300 for UOB ONE Platinum card and RM200 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month.]
* 2% at Pharmacies
* 2% on Telecommunication Bills for Major Mobile Service providers (Maxis, Digi and Celcom) [capped at RM300 for UOB ONE Platinum card and RM200 for UOB ONE Classic card per month.]
& 0.3% for all Other Purchases (including Online Purchase)...
*Enchanted with SMART$ Cash Rebate Privileges
As a NEW Signup now, U can have 2 Years Annual Fee Waiver
For the Subsequent Years You can Call Customer Service to Request AF Waiver from them

III) Alliance Cash Back Platinum (Income Requirement RM60k p.a)
•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).

This post has been edited by fly126: Nov 7 2013, 07:30 PM

So Far as I know Belum Ada lagi CC Package like Maybank 2 Cards: 1 Signup, 2 Cards & 1 GST ...
But anyway U can Refer to Official AMEX Merchant at Shopping Malls List http://www.maybank2u.com.my/WebBank/AMEXMajorMall_110713.pdf
Actually there are Many Merchants which Accept Amex Around Malaysia...

This post has been edited by fly126: Oct 29 2013, 10:25 PM

1. Annual Income: RM30-36K

2. Free Lifetime Annual Fee: Not really familiar with CC, pls enlighten on this as well

3. Card required for: Petrol & Cash back/rebates

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any banks offering good cash back/petrol rebates.

6. Others: I have a car loan @ MYR503 monthly. No other committments.

Pls refer to Post #1... for Your Credit Card Recommendation
You also can Apply Credit Card from Your Car Loan Provider Bank, It maybe EZ get Approval from Them coz They already got Your Income Details & Known about Your Payment History (behavior) ...

This post has been edited by fly126: Oct 31 2013, 10:57 PM

Public Bank ok ke?

and forgot to mention... I may want to use the card for installments for some things as well.

Yes, U can use Any Credit Card in Malaysia for Installment Plan
Your Priority, should be get a Credit Card to Build Up Your Credit History 1st...
U can have Others Credit Card with Any Bank later, if You Already have a Good Credit History....

This post has been edited by fly126: Nov 1 2013, 12:36 PM

Glad to have found this thread. Please help me

1. Annual Income: RM36K to RM42K

2. Free Lifetime Annual Fee: (No Comment)

3. Card required for: Mostly for Installment Plans (furniture & etc.), perhaps also for overseas transaction/spending (not that crucial, nice to have i believe, as at the moment, rarely travel overseas).

4. Existing credit cards if any: Nil.

5. Looking at CC from: I guess doesn't really matter. Currently, other banks I am familiar with (not for CC) are Maybank & CIMB.

6. Others: I have started working for 5 months (permanent job). I'm planning to get some new furniture for my new place. I went to Courts Mammoth wanting to use their installment plan, but I found out their total interest rate is equal your spending (eg. for RM5K furniture, total payback after 3 yrs plan is at least RM10K). So, can you guys help with suggestion on any good credit card for my needs?

Thanks.

For Your Credit Card Recommendation pls Refer to: https://forum.lowyat.net/topic/1973206/+2200 MyPost 2209-10
FYI, Maybank 2Cards & OCBC Titanium were Best Combo ..., If Compare with UOB One Card or Citibank Clear Card
You can get Details from My Post 2209-10

As for Installment Plan...
99% Bank of MCalaysia do have It, U Even can get 0% Interest Free Installment (6-36 Months) from Some of the Bank ie,
Citibank 0% Easy Pay
http://www.citibank.com.my/english/existin...yInstalmentPlan

Citibank Flexi-Payment Plan
http://www.citibank.com.my/english/existin...rCode=MYECMWAB6

Going to the mall in a short while to find which CC suits me best. iinm last week I saw at Setia City Mall, OCBC, Citibank or HSBC and one more bank is red colour also one........

info is for those who is hunting around Klang-Shah Alam area

the Red color one is AMbank
as Your Credit Card Recommendation You Refer to the Post Above Yours....
Hope It can Help You to find CC that Suit U Most...

Hi,

Would need sifu here to advise on which CC that are best suits on my below needs.

1. Annual Income: slightly > RM100K

2. Free Lifetime Annual Fee: Yes or small amount (<150 per annual) '

3. Card required for: Cash back / rebates


4. Existing credit cards if any: Maybank Gold Petronas Card

5. Looking at CC from: CC from any bank

6. Others: Mainly using the CC for insurance, petrol, utilities, groceries & dining (monthly expenditure using CC is approximately RM2k)

I've read up the thread and do some research.. Looks like going for the Maybank2 card & OCBC Titanium combo works good to me

Yes, Maybank2 Cards & OCBC Titanium were Best Combo ...
But Unfortunately, OCBC Titanium Currently X Accept NEW Application till further Notice...

Maybe You can Check Up the UOB One Card with Similar Benefits & Others CC Recommendation from Post #43

This post has been edited by fly126: Nov 5 2013, 11:08 PM

Hi! you may also consider comparing credit cards that would suits to your requirements, you go here: http://www.comparehero.my . They have lots credit cards to compare, you can even compare based on interest rates and perks, you can even apply online

Hi, appreciate for the help. My requirement is as below

1. Annual Income: RM40,000

2. Free Lifetime Annual Fee: Preferably Yes

3. Card required for: Monthly average spend 6k+ on Airasia, Malaysia Airlines, Agoda, and Telco bills (Mostly online trancasction).

4. Existing credit cards if any: CIMB (will cancelled it soon after redeem all the reward points)

5. Looking at CC from: Nearby my shop have Hong Leong, MBB, Pbb, RHB, Ambank. Any CC from these bank which suits me most will do.

6. Others: Cashback and/or good reward points

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: yes

3. Card required for: Cash back (replace OCBC Tit since it no longer give 5% CB)

4. Existing credit cards if any: Citibank CB, HSBC Amanah CB

5. Looking at CC from: non-local bank

Pls Refer to My Post #43 for Your Credit Card Recommendation...

@Frostlord,
You can Notice that, the UOB One Card got Similar Benefit with Citibank Cash back Platinum...
But, 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... Whereas UOB credit the cash back monthly into the account...

This post has been edited by fly126: Nov 7 2013, 07:56 PM

1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: No

3. Card required for: Cash Back/Rebate, AirMiles, Overseas Transactions

4. Existing credit cards if any: Nil

5. Looking at CC from: HSBC Amanah or CIMB

6. Others: Foreigner residing in KL. I'll use the card mostly for weekly/monthly groceries and online shopping/booking. From CIMB website, I'm wavering between Enrich or Cash Rebate card. From HSBC, I don't really have an idea even after browsing the website.

Advice and opinion are mostly welcome. Thank you beforehand.

Maybank 2 Cards, Alliance Cash Back or Alliance Visa Infinite http://www.alliancebank.com.my/Personal-Ba...ssibilities-tab
You Can also Refer to https://forum.lowyat.net/topic/2979093/+40 My Post #43 for Details

This post has been edited by fly126: Nov 8 2013, 11:43 AM

I need to have a Maybank account for the Maybank cards, right?

YES, You have be a Maybank account holder....

This post has been edited by fly126: Nov 8 2013, 08:12 PM

1. Annual Income: RM90k+

2. Free Lifetime Annual Fee: Better if none.

3. Card required for: Mostly for Installment Plans and overseas transaction/spending.

4. Existing credit cards if any: None.

5. Looking at CC from: Doesn't matter.

6. Others: Anyone can process CC within 3 days if I email softcopies today?

Thank you very much.

Maybank 2 Cards, Alliance Cash Back Platinum & UOB One Card
You Can also Refer to https://forum.lowyat.net/topic/2979093/+40 My Post #43 for Details

I Don't Think So... the Bank Will Process Your Apps in 3 Days coz U Never got Any Credit Card before (Newbie)
At least 5-10 Working Days will Needed to Process a Credit Card Application

Anyway,
the simplest and fastest method to get the Maybankard 2 Cards is by visiting a Maybankard Centre at 1U, The Gardens or KLCC where your application will be process within an hour or so
Maybankard Centre at 1 Utama
Lot G-341B, New Wing, 1 Utama Shopping Center, Petaling Jaya, Selangor
03-7728 5451
OR
Citibank Credit Card,
at Citibank 1 Hour Kiosks Location: http://www.citibank.com.my/smartbanking/kiosks.html

This post has been edited by fly126: Nov 9 2013, 12:46 AM

TQVM for your detailed reply.

You're Most Welcome
Good Luck with Your Application & Do Update with Us When U Get Your 1st Credit Card ...

This post has been edited by fly126: Nov 9 2013, 01:05 AM

1. Annual Income: RM200k+

2. Free Lifetime Annual Fee: Better if none or there's option to be waived

3. Card required for: Rebates of any sort of transaction or discount and airport lounge access

4. Existing credit cards if any: MBB 2 card, MBB Visa infinite, Std. Chart visa plat and Std. Chart just one titanium

5. Looking at CC from: Alliance or UOB visa plat and OCBC great eastern plat

6. Others: I just found out Std. Chart just one titanium card no longer give me rebate and the Std. Chart visa plat no longer grants plaza premium lounge access. Damn... I kept those 2 cards for years because of their feature. Knowing this, I am planning to redeem all my points for vouchers and cancel my Std Chart card. Therefore I am now in the market to look for credit card that give good rebates like the std chart titanium and airport lounge access like Std. Chart platinum. Earlier today during lunch time i drop by Maybank to ask around what card they have to fit to my needs. I was recommended to apply for Visa Infinite. Since I already have MBB 2 card, they just told me to sign an application form and they fill up the rest. I left maybank branch at 2.30pm and by 4pm i receive a call the card is ready for collection. Just went to collect the card and damn they are really fast, approved and the card in my hand in less than 2 hours. However, I found out that the priority pass lounge access is only 5 times per year and only for principle card holder. I wonder if there is other credit card who allows me to use my lounge acess quota for a travellign partner who is with me? Therefore I am also trying to see if the visa infinite from Alliance or UOB will grant such options.

As for rebate I am not sure what is good. I don't need fuel rebate, my maybank 2 card amex i used to pump at shell every weekend to try to max out the RM50 monthly rebate quota. Granted, i never pump up to RM1000 a month, maybe RM400 a month, rest i try to shop at aeon jusco or carrefour on weekend to try and max out MBB 2 card limit. I also occasionally (twice a month) use the MBB 2 card at GSC. Even with this three transaction combined (petrol, grocery, GSC) I most of the time do not hit my monthly RM50 rebate quota.

Regardless since MBB 2card only give rebate if transaction is on weekend, I need another rebate card for other transaction like my maxis bill autodebit (which I cannot control if they can charge me on weekend or weekdays), restaurants (most restaurants do not accept AMEX), utilities bill (gas, electric, indah water), some shopping at retail outlets occasionally and my monthly annual insurance premium from great eastern (which adds to to close to RM20k per annum). That's why I was eyeing the great eastern card from OCBC but not sure if other card like wisecard or HSBC cash rebate card might be better? Hope to get some insights from ppl who knows more what other card has to offer for my case.

I) Alliance Visa Infinite Card http://www.alliancebank.com.my/Personal-Ba...ssibilities-tab
You can Refer to: https://forum.lowyat.net/topic/2979093/+20 Gen-X's Post #22 for the Best Credit Card for FREE Entries to Airport Lounge.

II) Great Eastern Platinum Card, FREE for Life.
*1% rebate on total retail spending excluding Auto-IPP.
*0.5% rebate for Auto-IPP transaction.
*Interest Free Automatic Instalment Payment Plan (Auto-IPP) featuring: * 6 months Auto-IPP for Great Eastern / Overseas Assurance Corporation insurance premium of RM1,000 or above in a single transaction via Auto Debit only.

As for OCBC Titanium, after 29/11/2013, New Rebate system will be UNLIMITED 1% Cash-back No More 5% Off

III) HLB Wise Card
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
But...
- 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

IV) 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

This post has been edited by fly126: Nov 11 2013, 11:15 PM

Thanks fly. Damn, at first i thought the OCBC great eastern feature is as per website. When i tried calling the call centre, they have changed from the 3% rebate of insurance premium to what u mentioned up there. Makes OCBC as boring as Std Chart totally. They also removed the airport lounge feature of their platinum great eastern card. Sigh... but the operator was telling me by dec 2013 they will announce the full feature of all OCBC card. As of now it seems most of the cards they not yet reveal full feature.

Ah... the HSBC card is very similar to MBB2 card. Since i already have MBB2 card which limit myself to rebate only on weekends, the HSBC card will not do me any good. From ur list I kinda feel WISE card is the best. I saw a booth promotion during the IT EXPO at mid valley few weeks back. They got promottion free water heater or something, should've grab wise card from them that time. My strategy of card usage as follow:

MBB 2 card strictly for weekend petrol usage: Average monthly petrol about RM 400 - should give me rebate of about RM20 at least. Any departmental store shopping like at metro/isetan/aeon jusco will also try to use this card on weekend.

Wise card i will choose utilities and grocery. The website say utilities only electric and water. Electricity i pay to TNB (wonder if can auto debit) and water is to my condo management. How to claim for water bills? Also does utility include gas malaysia? I hope it did. Wanna try to hit that RM1000 a month expenditure at least to capitalise on the RM100 rebate per month quota. Grocery i guess a month maybe about RM 200-300. Website mention all grocery store, does it include places like Sri Kota Mart, Speed 99 Mart, NSK? Lastly my telephone bill, maxis per month about RM 170. Does it include maxis broadband cause monthly i pay another RM 150 for broadband. So total:

utilities: 200
grocery: 300
maxis phone: 180
maxis broadband: RM 150
Sum: 830 - almost RM 1000 quota met. What else can i slot in there to maximize RM100 rebate per month?

I got another question of Wise card. I wonder if they have the 0% installment interest option? Say if I choose the dept. store option and I buy a TV from Aeon Big.C or Aeon jusco and go for installment plan, deducing RM300 per month, will that 300 per month be subject to 10% rebate monthly? Or do they just calculate the full sum on the first month and that's it. Or they just do not consider installment plan qualify for any rebate?

Reason i ask this is because i plan to buy a mattress and if possible to go for installment plan. A RM 4k mattress with 12 months installment should be about RM300+ a month and if wise card can cater for this rebate it will be awesome. Any idea?

Woo...

Not All the Groceries do Entitled U to get Cash Rebate.... U Can Refer to their Merchant Category Code(MCC)
http://www.dm.usda.gov/procurement/card/card_x/mcc.pdf

U X Get any Cash Back via TNB Auto Billing Service, but With 100% Confirm Eligible get Cash Back via Pay Over the Counter, TNB Kiosks or Pay Maxis Bill via MaxisPay....

As for 0% Interest Installment Plan U X get Any Cash Rebate from there...
Furthermore, Not Every Bank got 0% Interest Payment Plan (Sometimes will get a Invitation (offer) by Bank)

Still Confused... U can Check thru HLB Wise Thread https://forum.lowyat.net/topic/2760395

This post has been edited by fly126: Nov 12 2013, 02:51 AM

My Expenditure monthly where i plan to get rebates from MBB amex and wise card:

1. TNB electric bill: RM100+
2. Maxis handphone about RM 150
3. Maxis home fibre about RM 150
4. Petrol about RM400
5. Grocery about RM300
6. Restaurant and pubs about RM 500 to RM1000

From the thread i read it seems wise card not good to pay utilities, so my plan for MBB amex is to use it for weekend petrol and maybe my TNB bills. Question is how to pay TNB on weekend with MBB amex?

For wise card i plan to take mobile + dining + either grocery or dept. You mention something bout buy aeon voucher to qualify for 10% cash back. Is that under dept or grocery option? I very much like that, I like to buy metrojaya/isetan and parkson voucher too. But grocery i usually shop at either jusco or big c at mid valley, or NSK at kuchai lama or my neighbourhood market Sri Kota mart. I work in KLCC, so very close to maxis tower. You mention about paying all maxis bills at the kiosk is best way? Since i have like close to RM300 for maxis (150 handphone and 150 home fibre), so i can make like 6x payments of RM50 at the maxis kiosk every month? The online easypay is not qualified for home fibre rebate right? So kiosk is the way to go?

Why not much ppl choose dining for wise card? I go pub a lot, sometimes dine around restaurant in KLCC for lunch. I suppose that is best category for me. Is there only specific restaurants that qualify? Does pub qualify? Hope you can help shed some light.

Last but not least, should i go for wise gold or platinum? What difference?

you may choose amex to pay tnb bills via your m2u account during weekends to earn that 5%+5x points.

Yes U can Login to Maybank2Uto Pay Your Bill.... under Bank Account choose Bill payment Click on Make a One Off Payment select TNB from the Merchants list
Select 2Amex for Payment or U also can Register Your Utilities Bill at Make a Payment to Favourite Payee on Weekends...

Btw, Most PPL choose Petrol, Groceries + Mobile for Wise Card Not Bad as Your Choice were Dining, If have Eat Outside Often + Groceries ...
What Difference Between HLB Wise Gold & Platinum....???
To what I Can see here are the Annual Fee of the Card Gold - $160, Platinum - $300 I think the Rebate Remain All Same....

This post has been edited by fly126: Nov 12 2013, 12:26 PM

it is better for you to choose departmental since you like metrojaya/parkson/aeon.

yes, you may split the bills and pay at maxis kiosk to easily qualify for the 10% cash back. however, to avoid being suspicious, it is not recommended that you pay rm50 for six times in a row on the same day itself. it is more advisable that you pay with different amount on different days.

not many choosing dining because some other cc offering dining at better discount rate ~25% at selected restaurants. there is no specific restaurants that qualify for the dining option, just as long as they are under mcc 5811 (caterers), mcc 5812 (eating places and restaurants), mcc 5814 (fast food restaurants). pub does not qualify since it is under mcc 5813 (drinking places - alcoholic beverages, bars, taverns, cocktail lounges, nightclubs and discotheques).

since gold and platinum shares the same features of 10% cash back with maximum capped of rm100, it is more recommended that you choose gold since the annual fee is lower.

This post has been edited by victorywp: Nov 12 2013, 12:34 PM

I don't want the hassle of opening another bank account, since I already have CIMB and HSBC. Just knew that CIMB imposes fixed deposits with their credit cards for foreigners. If only I knew it before, I might not open an account with them.

Do you have any other suggestions for cards with good air miles for foreigners with approximately RM100k annual income like me? Thank you beforehand.

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Groceries, Dining, Cash Back/Rebate Only, Bills, etc.

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybankard 2 Cards, OCBC Titanium, etc.

6. Others: Just looking for CC for petrols, groceries, etc. Looking to earn cashback / rebates / and plan to pay on-time.

How About Citibank Premier Miles Amex (Income Requirement RM100K p.a)...
- Earn 1 PremierMile for every RM2 spend and redeem complimentary flights from over 90 airlines
- Unlimited access to selected Plaza Premium Lounge nationwide and in Asia Pacific countries
- Complimentary Airport Limo Ride home from KLIA
http://www.citibank.com.my/english/credit-...AENCCHMCAAELM01 for Details

Apply Now You will Get 60,000 Complimentary Enrich Miles...
Online Application Form: https://www.citibank.com.my/premiermiles-am..._AMERI_EXP_CARD

This post has been edited by fly126: Nov 13 2013, 02:14 AM

I) Maybank 2Cards , the Best Card in Town So Far...
It's FREE for Life 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

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 and RM300 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% Cash Rebate for major mobile service providers (Maxis, Digi and 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 and 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
As a NEW Signup now, U can have 2 Years Annual Fee Waiver
For the Subsequent Years You can Call Customer Service to Request AF Waiver from them

III) As for OCBC Titanium, 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 13 2013, 02:11 AM

Thanks for the info. I believe Maybankcard is much easier for me to use as the 5% Weekend Cashback is applicable for most transaction, whereas for UOB's cashback different from one to another. Plus, I already have Maybank account, and their nationwide branches.

Thanks.

edit

This post has been edited by Seren: Jan 29 2015, 08:54 AM

@ smsbusiness2u, Your CC Recommendation Are NOT Suitable for Seren With Annual Income RM30,000...
Pls Noted that, CIMB Cash Rebate Platinum Master Card will Need Income of RM36,000 p.a to Get It http://www.cimbbank.com.my/creditcard/inde...&bb=attachment1
As for RHB Visa Signature Credit Card will Need Income RM80k a Year... http://www.rhb.com.my/cards/credit-card/cc...tml#eligibility

This post has been edited by fly126: Nov 13 2013, 09:49 PM

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, dining, online portal (groupon, living social), groceries

4. Existing credit cards if any: OCBC TMC

5. Looking at CC from: MBB 2 card AMEX + VISA

6. Others: Plan to terminate OCBC TMC due to coming december need pay new GST

I) Maybank 2Cards
It's FREE for Life 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

II) HLB Mach Card, Annual Fee Waiver Subject to 12 x 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 Awarded on all other purchases as above mentioned & Unfortunately Also No Rebate on Petrol....
For Details: http://forum.lowyat.net/topic/2421215

How About III) UOB One Card...???
They Do have 5% Cash Rebate on Petrol....
Pls Refer to https://forum.lowyat.net/topic/2979093/+60 MyPost #80 for more Rebates on UOB One Card

Ps...You can get Reviews of MACH Card Or UOB One Card from Gen-X at Post #1 https://forum.lowyat.net/topic/2979093

This post has been edited by fly126: Nov 14 2013, 02:37 AM