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

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jwyong001
post Dec 5 2013, 03:58 PM

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Joined: Nov 2007
From: JB, KL, Shanghai


QUOTE(Garroth @ Dec 5 2013, 09:39 AM)
1. Annual Income: RM30K - RM36K

2. Free Lifetime Annual Fee: A Must - otherwise depending on how good is the card.

3. Card required for:
- Petrol: Always BHP station when possible (RM180 per month)
- Dining with family (Around RM250 per month)
- Movie + Popcorn: TGV (RM150 per month)

4. Existing credit cards if any: None

5. Looking at CC from: Open to suggestion

6. Others: As can be seen I don't do many swips with the card as it's only a backup plan when I run out of cash so if possible the bank must be lenient in waiving annual fees.
*
petrol - uob one card 5% rebate plus another extra 2% when pump at bhp.
dinning- hlb mach card with 5% rebate.
movie - citi clear card with buy 1 free 1 on friday and rm10 per ticket normal day. you may consider rhb evo too which give you 20% rebate on movie, sing k, theme park ticket etc.

since you income below 36k you can only choose 2 out of 3..uob is a must and the another one you have to decide which category put more weight on your daily lifestyle.

regarding AF i not sure though as i don't have both 3 cards.. tongue.gif mach card can be waive with min 12 swipes per year if not mistaken.

alternately, you may consider hlb wise card too which give you 2 categories to entitle 10% rebate. for example petrol + dinning. drawback is it have certain rules to follow which is you must swipe at least 10 times rm50 per month. AF rm160 and cannot waive at the moment.

This post has been edited by jwyong001: Dec 5 2013, 04:01 PM
jwyong001
post Dec 15 2013, 10:22 AM

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Junior Member
312 posts

Joined: Nov 2007
From: JB, KL, Shanghai


QUOTE(ckuanglim @ Dec 15 2013, 02:07 AM)
4 years ago, I learned a lot from this forum, and was happy with my combination of credit cards. Until the OCBC Titanium changing to 1% unlimited. I am now thinking to plan again the use of credit cards.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (Mobil/Esso/Petron):~RM450, Maxis bill:RM150, dining:~RM200-400, groceries, utilities bill

4. Existing credit cards:
(1) OCBC Titanium for dining, groceries, and utilities bill,
(2) UOB One for petrol,
(3) Standard Chartered Visa Gold for any expenses if OCBC and UOB exceed the monthly cash back cap,
(4) CitiBank AirAsia for TGV

5. Looking at CC from: MayBank 2 Card, HLB MACH, or other suggestion to replace my current OCBC Titanium

6. Others: It's been some time that I have not study about credit cards. I think I need to revise it.
*
Try look on hlb wise card. 10% rebate on three selected categories with min rm50 10 swipe per month which I think is quite easy for u to achieve. Af rm160 and cannot waive at the moment but I personally think that it is still worth the money consider the high cash rebate.
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