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 Recommendation for Credit Cards V2, Please post according to Format stated.

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MaxFangs
post Jun 12 2015, 10:18 AM

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1. Annual Income: Rm30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Movie(RM150 - 200), Petrol (RM200), is there any card for point accumulating change flight ticket?

4. Existing credit cards if any: None.

5. Looking at CC from: Mach HLB

6. Others: I am thinking if I din spend, do I need to pay for any hidden charges on that month?

All sifu please help, too many card out there and i don know which one to apply.

MaxFangs
post Jun 17 2015, 05:00 PM

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QUOTE(fruitie @ Jun 12 2015, 01:01 PM)
Maybank2Cards, free for life. smile.gif
No hidden charge, don't spend then don't need to pay.

Thread for Maybankard2Cards: https://forum.lowyat.net/topic/3544353/
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Fruitie, Thank you for your reply. but it seems this card do not giving me any benefit, which i refer to petrol / cinema.

I am keen to apply a citibank card. but it seems I am not sure what is the requiremnent.
MaxFangs
post Jun 18 2015, 08:59 AM

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QUOTE(fruitie @ Jun 17 2015, 05:30 PM)
Why not? This is the best card at the moment.
Basically one of the cards - AmEx which gives the best return. RM 50 cash rebate if you spend on weekends.
A lot of merchants are accepting AmEx now. This is the list built up from the users in this section: https://forum.lowyat.net/index.php?showtopic=3532126 It has list of petrol stations that accept AmEx.

For movies, Maybankard holders get B1F1 ticket on Thursdays and every day before 6.00 p.m. is RM 10/ticket at all TGVs. In addition, GSC also accepts AmEx and you can purchase using your AmEx on weekends at the counter. smile.gif
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I am sorry, din go too much for in-depth research, my bad for not doing that.

Yestheday I went to Citibank counter and Maybank2kard branch @ 1u, and you are right. Maybank offer 12-18% interest rate. where 8.88 second year onwards,
So I guess I will apply Maybank.

Thank you for your information! it is really helpful to recommend me to get this :-)
MaxFangs
post Jun 18 2015, 10:23 AM

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QUOTE(fruitie @ Jun 18 2015, 10:03 AM)
No no. Don't apply a card because of its interest, most of us apply credit cards for convenience purpose and not about interest. Interest is only for those that don't pay bills on time and pay minimum amount.

So long you pay on time and full amount, you won't be charged with interests and only get benefits and convenience. smile.gif
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Yea, I agree with you.

But I will pay on time definitely, just wanna secure myself from any other unexpected incident happen.

and most importantly, the main purpose i apply this credit card it is solely for movie purpose and want to keep a good payment record which ease me to apply loan in future.

hopefully it wont affect my spending behavior. icon_rolleyes.gif

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