Not anymore, today i went to MBB accompanying my nephew to pledge FD for CC. Got the news from the officer the minimum is now 10k ! Nasib baik his mother is willing to sponsor

a friend of mine told me today that she got her credit card due to a car loan from ambank. I would like to ask if banks are giving out cc when u get a car loan from that particular bank. my friend does not have EPF though and did not know that she was getting a credit card from applying a car loan. can anyone please help clarify if banks are giving credit cards together with car loan? thank you.

It used to be the case prior to 2011. During that time, cards are unsolicitedly issued and upgraded. Even credit limit can be increase without you applying. After the big intervention by BNM , they are mandated not to do so. But you might find some agents still doing so for the sake of earning $$.

thank for the information. no wonder my friend got the card. poor me over here, hard to get a credit card, car loan seems easier to get as I just got my new car...but been rejected twice for credit card application

Referring post #641, you can apply for CC if you are willing to pledge 10k FD with Maybank. HL RHB PBB Ambank requires 5k.

Would like to know which bank offers waiver for gst and annual fees, have rewards points, cash rebate and discounts for shopping, petrol and unifi. My annual income below 36k. Thank you.

best card for you is still Maybank 2 Card Amex-Visa/Mastercard.

a tad difficult for annual income below 36k. if possible, you can pledge via fixed deposit?

Would like to know why everyone is telling me mbb cards? Honestly my salary credit in hlb n my car loan v hlb too. Thought it wld be easier getting hlb. But I cant decide based on the benefits of different cards as I want all the benefits in 1 card but knowing its impossible.

each card's benefits may not suit anyone. also depends on your spending behavior

best, of course is HLB Wise with 10% cashback. but the entry barrier is high. stringent application and cashback is based on 3 categories. any spending outside of the category will gain you nothing in return (well, at least give you the RM50 per transaction count). Imagine, paying Unifi at RM150 (rounded to xRM50). This will give you 3X RM50 transaction count, but in the end, you gain nothing back.

next favorite is Maybank 2 Cards. 5% on any merchants during weekend transaction. mid-level entry barrier, but quite a good all-in-one card to have (i've been using Amex exclusively since my monthly spend is sub-1K/mth)

others, e.g. Aeon Watami. 3% cashback per quarter with cumulative of RM3k spending to be eligible. simpler card and entry barrier is low (more benefits during signup, e.g. 1st year AF waived + RM50 rebate). Benefits if you have large spending (RM3k to RM5k) in each quarter.

another good for petrol is UOB One with 5% cashback. some horror experience if pumping petrol after middle of the month (cashback quota depleted!).

so far, personally, Maybank 2 Cards combo is my only card in the wallet. I got no other cards. Happy with it for 1yr+, only heart-attack when I had to spend >RM1k per month (which effectively blew past my cashback).

This post has been edited by cybpsych: May 28 2014, 05:48 PM

I dont understand why uob cashback depleted after pumping in the middle of the month. And wise by hlb has a high barrier? I thought requirements 24k per annum? I was thinking mach by hlb or rhb vox and uob one. Please tell me more on uob one? Tq

UOB One's petrol cashback quota is limited to RM900k per month, first come first serve basis. most cardmembers already hit the threshold by middle of the month, so any petrol pump may or may not get any cashback.

read more details of this card's T&Cs

HLB Wise's high entry barrier due to stringent application processes/policies. furthermore, you are limited to 3 spending categories (MCC dependent).

I call PBB to apply for a credit card. I fill in the form, submitted, but nothing on my end (no confirmation). I sent an email this morning asking about the status, they CS said need to submit my IC and EPF statement.

I call again just now, CS said need to submit the download the form (?), IC and EPF statement. I don't know which form CS mentioned about, I just filled in the normal online form.

Lack of feedback or respond made me wonder of sending my IC and EPF statement to their email address. Just worried.

Any thought?

One thing good about UOB is that it is easy to apply. They are considered lenient in approving applications! One thing bad about UOB One Card petrol rebate is that the bank allocated RM900k on a first come first served basis for all cardmember! Usually this amount would last two weeks or so. Once RM900k has been redeemed, no more rebate for that particular month! On the other hand HL is very selective of their wise cardmember. If you have home loan or Hire purchase with HL you may try. Based on their database, there are around 40k wise cardmember . For a product of about 18 months old, 40k is a very low figure. I'm sure actual application has surpass 100k mark already. So for border line case, you only stand a 40% chance of getting wise card!

I do have a hire purchase with hlb and my salary also credit into hlb as my company has business with hlb. But the wise card annual fee is quite expensive and gst to be taken into account. Can these be waived? Wht abt mach by hlb? Do u think its good?

Please read through the bank's website. They will specify what are the documents that you need to provide for credit card application.

It is naturally easier for existing HL customer to get this card. Wise card AF & GST is waived for the 1st year only. From 2nd year onwards, AF waiver is not definite , GST have to be paid. Provided you are capable of getting >RM60 effortlessly by using this card every month, otherwise you get other card. Mach? Forget about it. That card is really a brain twister

10k?
U serious?

I got mine with 5k only. Got the letter with me as well.

most ppl does that when they have to spent on the card after obtaining full cashback but hey u still get 5x points

yeah, happened to me on 2 separate months liao 1 month cuz i miscalculated my monthly spending (>1k), and this month due to motortakaful renewal (~1.4k).

still ok for me la since i'm not managing multiple cards anyway and no need to own more than current mbb2card

In fact my mum, a retiree, pledged RM3k to get her card two years ago! Only this time around i was told the pledge is now 10k!

This post has been edited by Wongchoy: May 29 2014, 11:43 AM