1. Annual Income: RM 60k-RM 72k

2. Free Lifetime Annual Fee: Yes or can be waived with reasonable no. of swipes

3. Card required for: Cash back/rebate, airport premium lounges

4. Existing credit cards if any: M2Cards, OCBC Ti, SCB Plat, UOB One Plat, UOB Preferred Plat (Have the plan to terminate the no longer useful SCB and both UOB cards)

5. Looking at CC from: Alliance Plat and RHB Plat or any bank that is good for travellers

I didn't notice RHB Plat earlier, else I would have applied it instead of the UOB's useless Preferred Plat which has revised its T&C now. Need to swipe at least RM 500/month for the last three months before using in PPL. Once I get back my promised RM 50 for both of my UOB cards, I'll terminate them straightaway.

This post has been edited by fruitie: Aug 8 2014, 12:48 AM

Yes, that's what I have compared so far but it seems RHB Plat is better than Alliance besides the 4x vs unlimited.
Thought of applying both since Alliance's first three years' AF will be waived.
RHB Plat is 1st year's AF will be waived but seems like not difficult to get it waived every year.
If only I knew it earlier then I would have applied these two cards much earlier, I'm due for travelling soon and will miss the boat this round. Hate UOB Preferred Plat.

Thanks will look into it and try there.

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).

As long as your gross salary is RM 3k and above, you can have cards from more than 2 banks.
It doesn't mean your basic, can add in fixed allowances as well. Non-fixed allowances will be difficult.

Did you mean pay using installment scheme or you intend to pay minimum amount to bank? There's a difference in these two.
If installment, that's OK but if you pay minimum amount to the bank every month, the outstanding balance keeps snowballing and may affect your credit history.

That was my first thought as well...
Even I'm earning more (around 2.5x more) but I only pay RM 250 per month for my insurance to complement the insurance I have from my current company. RM 600 is a lot actually.

None of the credit cards has GST free, so as per Gen-X's advice, get a debit card. Debit card has no GST.

Though no cash rebate during weekdays but if you have the chance to use AmEx during weekdays, then use it as it has 5x treatpoints rather than Visa/Master just 1x.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must or can be waived with reasonable number of swipes.

3. Card required for: I'm thinking to replace my OCBC Ti. Cash rebates, dining, movies, gym, overseas travels. Prefer MasterCard to Visa as I have a few Visa already...

4. Existing credit cards if any: Maybank2Cards, OCBC Ti, AEON Gold MasterCard, SCB Plat (will terminate in Jan).

5. Looking at CC from: Any bank

6. Others: I have terminated HSBC Amanah Plat, UOB One Plat and UOB Preferred Plat. Probably will not consider these two banks anymore. My monthly spending is not constant, so just thinking to replace my OCBC Ti which currently my insurance- RM 250/month and Gym subscription - 129/month are tied to it.

Thanks for the suggestions! Maybe I will look into OCBC WMC.
RHB seems not popular.

Watami can't, I can fulfill RM3k but that includes other cards. So, for a sole card, I might have difficulty.
Yes, will look into Mach. It allows auto-billing right? I mean auto-billing also entitled for rebate I supposed?

I don't have 100k la.
That also makes me doesn't qualify for OCBC WMC.

I used based on the first post format.

Fixed allowance or it varies every month?
If it is fixed allowance, then the chances are there but if it is not fixed, it may be difficult.

It depends on your salary and according to BNM ruling, it is 2-2.5x of your monthly income.

For those earning 36k and below are entitled for two issuing banks' credit card.
So, yes you can get another card.

Er... Ikhwan card is good to complement Maybankard2Cards but not to replace it.
5% rebate is only for petrol and groceries and on Fridays and Saturdays. RM 1= 1 TP for all spends.

For Maybankard2Card, AmEx specifically, 5% rebate for all transactions on weekends. RM 1 = 5 TP.

The GST for two cards can be redeemed using TreatsPoints (TP).

Anyway, the choice is yours.

I only know I'm so happy with my AmEx.

This post has been edited by fruitie: Dec 29 2014, 11:02 AM

Nope, dining is obviously not groceries.

You should follow the advice here. Go and add MBB2Cards, like I said Ikhwan is good to complement MBB2Cards.
I pay most of my stuff these days using my AmEx.

Wife has, you also can have it what.
It is a combo card that every cardholder should have.
Rated the best card for this salary range.

This post has been edited by fruitie: Jan 23 2015, 12:10 PM

Yes correct. Discussion thread is here: https://forum.lowyat.net/index.php?showtopic=3473927