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.

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

thanks alot for the recommendation bro...appreciate it....

as for this maybankard 2 cards,,,are there any terms & condition or hidden charges that i should be aware of?...and also which cc is the second option that could consider?

lol my gross is 33600

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

  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 !

hi sifu, as per your advice, maybank 2 card is suitable for my usage, however, im just abit worried on the amex card as it is not too widely accepted by retailers while the other visa/mastercard that comes along only offer ordinary points etc...are there any other cc out there which offer almost the same deal as the maybank2 card amex card?...or least close to what this amex cc offered.

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.

Public Bank ok ke?

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

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.

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

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

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

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.

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

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.

TQVM for your detailed reply.  

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.

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 promotion 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?