1) departmental & retail shop in mall
2) any days..

my M2amex always reached max 5% rebate quota on weekend.. Just thinking to get another card for shopping in shopping mall.. mainly clothes..
I noticed citibank/hsbc had quite many promotion in the mall.. but mostly just XX% discount on normal item..

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: YES!.

3. Card required for: Petrol, shopping, paying bills, dining

4. Existing credit cards if any: Citibank Clearcard (plan to cancel this) and OCBC Titanium (damn upset they reduced their cashback from 5% down to 1% )

5. Looking at CC from: CIMB, Maybank, actually any bank as long as it has good benefits.

6. Others: I want to cancel my Citibank clear card because i feel it is completely useless to me now (very little points, limited benefits) and furthremore, citibank's offers somehow now very scarce. Might consider cancelling my OCBC in the future as well. But i will seriously have to reconsider that coz all my autobilling is on that card, gonna be damn mahfan to redo all the auto billing.

1. Annual Income: RM60k

2. Free Lifetime Annual Fee: Must.

3. Card required for: anything which MBB2 amex can't cover

4. Existing credit cards if any: MBB2 platinum

5. Looking at CC from: none so far. Pls suggest

6. Others: preferably visa or master, to maximise cashback during weekdays or where i could not use amex. MBB2 visa is pretty much useless. My expenses might not be much, but occasionally buy stuffs for company from suppliers which can cost a few k.

1. Annual Income: RM60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: petrol, grocery, pharmacy, mobile phone bill payment.

4. Existing credit cards if any: CIMB PETRONAS MasterCard. Willing to cancel this card, if better card is suggested.

5. Looking at CC from: Nothing specific.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

Thank you for the advice.

@supersound

For petrol, grocery, pharmacy and mobile phone bill, my expense are around RM 800.

Streamyx and TNB bills are paid by my father.

LOL. I am not that sick. I buy health supplements, such as vitamin, at the pharmacies.

1. Annual Income: ~RM44K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Mainly used for Installment Plan (not through merchant)

4. Existing credit cards if any: MBB 2 Cards (mainly AMEX)

5. Looking at CC from: CIMB Cash Rebate Gold MasterCard ?

6. Others: Looking for an alternative Visa/Master card that offers good benefits.

Looking forward to your advice. 

1. Annual Income: RM61200
2. Free Lifetime Annual Fee: A Must
3. Card required for: Petrol (Petronas) and sometimes electronic if interested.
4. Existing credit cards if any: Nil
5. Looking at CC from: Nil
6. Others: Prefer card that offer me good cash rebate.

Please guide me since im located in Labuan

Hi all ,

my income is 30-35k/annum . if i have one CC but max limit and paying every month can i still have chance to get second card approval?

Dear all, looking for supplementary card for parents

1. Annual Income: > RM48K

2. Free Lifetime Annual Fee: Good to have but not necessary

3. Card required for: Groceries, Petrol, occasionally for dining and other miscellaneous usage, parents usually spent less than RM500 monthly

4. Existing credit cards if any: Currently Principal holding MBB2Card, WISE, WATAMI, OCBC titanium and Citi Cash Back

5. Looking at CC from: Any

6. Others
This supplementary card is for parents usage, which one provides best returns with minimum or no annual fee and minimum or not Government tax.

thanks but still not unlimited cash back

Hi all,

1. Annual Income: RM36K - 40k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, cash back, dining, shopping and overseas spending (Hotel/airflight/shopping)

4. Existing credit cards if any: Nil

5. Looking at CC from: Maybank 2 cards

Just an overview:

I'm getting a new credit card and im a first time applicant.

I intend to use the CC for restaurants,petrol,shopping and during travel overseas.

I want to ask:

1. Is it advisable to use Amex ALWAYS whenever possible both locally and overseas? - to earn the treat points?

2. If Amex fails, then use mastercard?

3. Is Amex currency exchange rate lower than Mastercard? - benefit for spending overseas.

Thanks all.

really? i thought using amex overseas give you better exchange rate than mastercard.
so if i go to korea/europe or uk or even whatever country, use MC than amex?

1. Annual Income: RM24k-30k <-( 2.4k is my basic ) *i working in construction company, all my petrol claim by cash... roughly 300-400 a month, how can i add it into list? And also im running some online store sales website with my partner, is it anyway i can prove that adding it into my annual income..? if yes i can reach 30k-60k..

2. Free Lifetime Annual Fee: No.

3. Card required for:Usual petrol and dining

4. Existing credit cards if any: Nil.

5. Looking at CC from: NIL

6. Others:  Petrol and cash rebate is what i need...

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must.

3. Card required for: Cash Back/Rewards

4. Existing credit cards if any: Maybank2card Gold

5. Looking at CC from: Any

6. Others: I got MBB2Card and I'm actually getting very good cash back (arouond 40-50 per month) but there is  some situation i need to swipe my MBB visa card because some restaurant or online transaction not accept AMEX (like online ticketing and Paypal), just asking see got any other good suggestion or not...

Mind elaborating on this?

lordofmilk I'm in the same boat as you. You can have a look at the CIMB Cash Rebate MasterCard.

Let me show you why:

Ali holds the MBB2cards. He is a frugal guy, so his monthly expenses that the AMEX card can cover is only RM300. So cashback is RM15/month = RM180/year. Unfortunately, his RM150 monthly subscription to his favourite online game cannot be paid using the AMEX card. So he gets the CIMB Cash Rebate card. He gets back RM7.5/month = RM90/year. After paying off GST, he gets extra money in his pocket for no extra cost.

Abu holds the MBB2cards. He's a huge movie fan and goes to the cinema 4 times a month. So far, he has been paying RM15 for tickets using his AMEX card netting him 5% rebate everytime. He soon learns about the HLB Mach credit card, where he can get 10% rebate on movie tickets if he takes the Social package. He is wary about the RM160 annual fee, but soon finds out that he only needs to swipe 12 times a year for it to be waived. Abu sees no reason not to go for the card, because again it is extra money (double the cashback amount for movie tickets per month) in his pocket for no extra cost.

Everyone's case is different. If every merchant in the world took AMEX and no other credit card can offer cashbacks higher than 5%, then your statement would be valid. You do not need to max out one credit card's benefits before considering another credit card.

You don't lose out on anything if your net income is positive at the end of the day

There's no right or wrong when it comes to spending money, only good ways and bad ways. If you only think about saving your money all the time (eat maggi everyday, never go out), you won't be able to enjoy life at all. That's a bad way to be spending your money in my opinion. If you are able to save a sufficient amount and you want to spend the rest for your favourite online game, I'd say that that's a good way to spend your money. You are planning for the future while still keeping your quality of life at a reasonable level today.

hey guys, please be informed that Maybank points redemption conversion rate will be changed this coming May 2015.

RM1 = 400points

Cheers.

1. Annual Income: 58K-60K

2. Free Lifetime Annual Fee: If possible YES.

3. Card required for: List all your needs. Doesn't matter

4. Existing credit cards if any: Maybank Islamic Petronas . currently credit limit at 10k

5. Looking at CC from: Anybank that can offer me at least 20K credit limits .

Please offer me if you know any. Thanks

1. Annual Income: RM150k, take home salary around RM110k+
2. Free Lifetime Annual Fee: With good benefits I don't mind paying.

3. Card required for: Overseas travel, online purchase. Any transaction >RM1000

4. Existing credit cards if any: Citibank Clear Card.

5. Looking at CC from: Doesn't matter
6. Others: Consistent cash rebate offers. Easy online payment facilities. Convenient temporary credit limit increase (at least 100%) is preferable.