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

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tenchi0205
post Dec 22 2013, 10:08 PM

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2,881 posts

Joined: Oct 2006
From: Kota Kinabalu, Sabah.


1. Annual Income: RM69K

2. Free Lifetime Annual Fee: A Must (lazy to call to beg for waive annual fee)

3. Card required for:
a) Petrol RM350+,
b) Insurance autodebit monthly (RM979),
c) Cash Back/Rebate, reward,
d) Overseas Transactions (occasionally) ,
e) utilities bill (Maxis phone & broadband RM170+RM105, TM fix line RM26, electric RM50, water RM6) = pay via online
f) 0% interest installment, (3C gadgets )
g) Majlis bandaran cukai pintu, cukai tanah, indah water = via online payment
h) Grocery RM200 - 300 (sometime pay by cash)
i) car maintenance
j) dinning - once in a blue moon
k) vacation - hotel, flight ticket (once or two per year)

4. Existing credit cards if any: CIMB Direct Access Mastercard (plan to cancel), OCBC Titanium Mastercard(Just applied last Oct, sadly now more 5%), Maybank Sony visa (Plan to cancel).

5. Looking at CC from: UOB One Platinium Visa or Maybankard 2 (Amex & Visa)

6. Others: ....

So UOB better or MBB 2 better for me? For MBB2+OCBC combo or cancel OCBC and get MBB2+UOB platinium combo

One thing I dun like UOB platinum, need to swipe 12 times per year and spend 36k per year or call the SC to beg for waive...which I dun like and more likely I forget to call on time rclxub.gif

This post has been edited by tenchi0205: Dec 22 2013, 10:23 PM
tenchi0205
post Dec 23 2013, 07:43 AM

Tech Noob
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Senior Member
2,881 posts

Joined: Oct 2006
From: Kota Kinabalu, Sabah.


QUOTE(fly126 @ Dec 22 2013, 11:00 PM)
I think You should Get Maybank 2Card  a MUST Have CC + UOB One Card as Spare... nod.gif   

I) Maybank 2Cards
It's FREE for Life with NO Annual Fee Came with a Treat Point (System) with 3 Years Expiration Period
*The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in 1 sign up, 1 service tax, & 1 statement.
*You can Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.
*5x Treats-Points for every Ringgit spent on Maybankard 2 American Express Card and 1x Treats Point on Maybankard 2 Card in Malaysia or anywhere else in the world.
* 5% Weekend cash back when spend on Maybankard 2 American Express Card capped at RM50 per customer (including Supp Card member) per month
+ Used the Treats Point to Offset Yearly GST & Used It for Enrich Air Miles Conversion... Although the Treats Point came with 3 Years Validating Period

II) UOB One Card - a Pure Cash Card
Earn Cash Rebates ON:
* 5% for Petrol Cash Rebate [capped at RM500 for UOB ONE Platinum card & RM300 for UOB ONE Classic card per month.]
* 5% for Cinema at GSC only
* 2% Cash Rebate for major mobile service providers (Maxis, Digi & Celcom) [capped at RM300 for UOB ONE Platinum card & RM200 for UOB ONE Classic card per month.]
* 2% for Groceries [capped at RM1,500 for UOB ONE Platinum card & RM1,000 for UOB ONE Classic card per month.]
* 2% at Pharmacies
& 0.3% for all Other Purchases...
*Enchanted with SMART$ Cash Rebate Privileges http://www1.uob.com.my/assets/pdf/platinum...036;partner.pdf
+ Usually They Given 2 Years Annual Fee Waiver to NEW Signup
For the Subsequent Years You can Call Customer Service Request AF Waiver from Them, As I know They Annual Fee can EZly to Waive Off as long Use the Card Frequently...


As for OCBC Titanium Maybe can Consider to Keep It for Your Insurance Auto Billing coz 1% Unlimited Cash-Back on Any Spend  + Free For Life.
Feel  Sayang If You Cut the Card with the a.k.a. the Most Difficult to Get CC from the Strongest Bank in the World, Which I Failed to Get...  laugh.gif
*
Yup, that OCBC took me a month plus to applied since its want bank statement, and my Maybank online bank statement only have new one every quarterly...

QUOTE
For the Subsequent Years You can Call Customer Service Request AF Waiver from Them, As I know They Annual Fee can EZly to Waive Off as long Use the Card Frequently

rclxub.gif This I always fail to do so, many years I forget to use my points to offset my maybank sony card GST till I saw that GST is charged in my statement, I afraid the annual fee on UOB after 2 years will be the same doh.gif
tenchi0205
post Dec 23 2013, 01:57 PM

Tech Noob
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Senior Member
2,881 posts

Joined: Oct 2006
From: Kota Kinabalu, Sabah.


QUOTE(Gen-X @ Dec 23 2013, 11:32 AM)
Looking for Cash Back Credit Cards for spending between RM1K/month and up to RM7K/month spending, click here and read my article The Best Cash Back Credit Cards - How To Earn Money From The Right Credit Cards.

user posted image
*
rclxms.gif thumbup.gif great works!~

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