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 Recommendation for Credit Cards V3, Please post according to Format stated.

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victorywp
post Jan 9 2016, 06:40 PM

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QUOTE(Kaka23 @ Jan 9 2016, 06:10 PM)
Anybody can tell me which credit card that will give luggage back when opening with them? I can't recall anymore, that is why asking here..
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many.. citibank, rhb..
victorywp
post Jan 14 2016, 06:26 AM

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QUOTE(redarmour37 @ Jan 14 2016, 02:24 AM)
Hi there. I'm currently looking for a 2nd credit card for other benefits/promotions from other banks

1. Annual Income: RM36K - RM40K

2. Free Lifetime Annual Fee: A Must

3. Card required for:  Petrol, Cash Back/Rebate Only, Dining, Retail & Online Shopping

4. Existing credit cards if any: Currently using UOB One Card

5. Looking at CC from: Citibank / Maybank / CIMB / any other banks also can be considerable

6. Others: I want cash back only.  I don't know whether the reward points can bring any benefits because I'm not so clear about. I hope someone can explain about it.
I hope all the sifus here can clear things up for me. Cheers.  cool2.gif
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uob one will be covering your petrol already. so you need a combination of cc to cover your dining, retail, and online.
for dining, you may go for hlb mach (5% everyday) and/or mbb2amex (5% weekends only + 5xtp).
for online, you may go for uob vox 5% or cimb cr 5%.
for normal retail, you may go for mbb2amex 5xtp or aeon watami 3%.

This post has been edited by victorywp: Jan 14 2016, 06:28 AM
victorywp
post Jan 15 2016, 05:57 PM

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QUOTE(opjust @ Jan 15 2016, 05:49 PM)
I have 2CC at the moment... Citibank and Maybank... total Debt around 15k..
planning to do BT for 24months...

any recommendation?
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you mean you want to apply another cc just for bt purpose to transfer your debt there? if yes, you may try any aeon cc or any pbb cc. they offering 0% for bt.
victorywp
post Jan 16 2016, 07:21 PM

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QUOTE(monara @ Jan 16 2016, 05:12 PM)
Hello guys,
Is there any cc sign up promotion currently in term of cash back?
Like spend minimum Rmxx within certain period and get xx% cash back rebate.

Currently looking for 1 but couldn't find any yet, as mostly promotion give phone or other stuff only.
Thanks in advance.
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head up to uob thread there's one upcoming campaign starting 18/1 minimum spend rm600 on dining/hyper and get 20% cashback.
victorywp
post Jan 17 2016, 10:39 PM

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QUOTE(HarpArtist @ Jan 17 2016, 05:41 PM)
1. Annual Income: RM80-100k

2. Free Lifetime Annual Fee: Preferably free. Don't like to call and ask for waivers.

3. Card required for: Petrol, Dining, Travel

4. Existing credit cards: CIMB Platinum, American Express Platinum, Ocbc GE Platinum (Had Maybank Petronas Platinum, just cancelled an hour ago due to bad service from branch and call centre)

5. Looking at CC from: Don't mind any.

6. Others: Self employed. Don't intend to ever owe anything to credit card so interest/balance transfer/etc not important.

Thanks in advance for recommendations, sifus.
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hlb mach 5% for dining and aeon watami 3% for anything except petrol. both swipe 12x per year for auto af waiver. uob one for petrol but need to call for waiver.
victorywp
post Jan 17 2016, 10:42 PM

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QUOTE(guybrush @ Jan 17 2016, 06:16 PM)
1. Annual Income: RM72K to RM84K

2. Free Lifetime Annual Fee: Preferably free. Don't like to call and ask for waivers. And it's not always guaranteed waiver nowadays

3. Card required for: List all your needs (spending as below)
Petrol - 200 monthly - Shell
Insurance - 1000 for whole family
Car Insurance - 600 annually
Utilities - 157.95 (unifi) , 250 (TNB), 60 (Telekom Phone), 105 (Astro), 150 (Maxis)
Groceries - 100
TnG - 220
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any: Citibank Gold (Currently on AF RM50 after call for waiver but failed, want to cut it already)
5. Looking at CC from: Any, as long as given me maximum cash back based on my current recurring expenses
6. Others: currently all transcation made via online banking. Don't intend to ever owe anything to credit card so interest/balance transfer/etc not important.

Can someone advise 1 or 2 good cash back cards on the above criterias. Thanks.
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aeon watami 3% for everything except petrol. uob one for petrol but need to call for af waiver.
victorywp
post Jan 18 2016, 12:38 AM

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QUOTE(guybrush @ Jan 18 2016, 12:01 AM)
How about HLB Wise Card?
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wise card has annual fee and it can't be waived even if you call to beg or threaten to cancel.
victorywp
post Jan 18 2016, 10:36 AM

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QUOTE(guybrush @ Jan 18 2016, 07:38 AM)
If one month can save 20 for wise, already worth it already. I have friends saving around 80 a month
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yes, if you are ok with their requirements to get the 10% then no problem. it's too complicated for certain people. biggrin.gif
victorywp
post Jan 18 2016, 08:02 PM

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QUOTE(Tigerr @ Jan 18 2016, 01:55 PM)
last weekend....bought another 945 at Tesco with public bank card to try earn the RM88 ang pao cash back. it ll be slightly less than 10% rebates but if the ong Mali shine on me....2k cash back ong Mali Mali ong ah...tongue.gif
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usually what type of questions does the dj will ask for the ongmali campaign?
victorywp
post Jan 18 2016, 08:23 PM

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QUOTE(Tigerr @ Jan 18 2016, 08:15 PM)
name the 8 branches of tesco for week 2 question.

blunder made last week. the guy exchanged my tesco card with others after help me key in 9 numbers. inside my card got about rm400 value in the touch n go. this early morning went tesco to change new card n ask touch n go blocked my amount n transfer to my account.....vmad.gif
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wow, then you have to pay rm10 for transferring the amount?
victorywp
post Jan 18 2016, 10:35 PM

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QUOTE(Tigerr @ Jan 18 2016, 10:16 PM)
What to do as i consider it as lucky to get back my 400 amount stored inside the card.
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maybe the other person still don't realise their tng card exchanged. so they will be accumulating points to your tesco card lol. by the way, did you check the tng how much tng balance in it? brows.gif
victorywp
post Jan 19 2016, 03:22 AM

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QUOTE(Tigerr @ Jan 19 2016, 12:31 AM)
already called tesco hotline to report lost card. guess they ll block that card.

yup. called touch n go. balance 383.00.  2 weeks ago just reloaded 200 + 200 at jaya....
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i mean did you check the other person's tng balance which you are currently holding? anyway, this is last question as this is going ot already. blush.gif
victorywp
post Jan 19 2016, 11:35 AM

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QUOTE(Tigerr @ Jan 19 2016, 08:25 AM)
how to check? tongue.gif
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slot in to your smart tag lah... doh.gif sweat.gif laugh.gif
victorywp
post Jan 20 2016, 10:54 PM

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QUOTE(xxawesomexx @ Jan 20 2016, 11:12 AM)
1. Annual Income: RM36K to RM45K

2. Free Lifetime Annual Fee: Must

3. Card required for:Petrol, PTPTN, Insurance, Groceries, Phone bill, Unifi, and other utilities

4. Existing credit cards if any: CIMB Cash Rebate, Maybank Ikhwan MasterCard

5. Looking at CC from: -

6. Others: Any card that can cover my petrol rebates on weekdays?
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aeon watami
victorywp
post Jan 21 2016, 12:18 AM

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QUOTE(xxawesomexx @ Jan 20 2016, 11:44 PM)
Heard that aeon watami needs to use up at least 1k per month in order to get the cashback..  sad.gif

But if I'm not using that much for cc, any other options? Thanks.  icon_question.gif
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your petrol, ptptn, insurance, groceries, phone bill, unifi, and other utilities should be able to contribute 3k per quarter? no?
victorywp
post Jan 21 2016, 02:15 AM

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QUOTE(fruitie @ Jan 21 2016, 12:45 AM)
Petrol is not part of Watami's cash back. smile.gif
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yeah, thanks for the correction. actually i copy paste his "card required for" part but forgotten to remove the "petrol" lol...
just wanted to highlight to him that ptptn, insurance, groceries, phone bill, unifi, and other utilities can easily hit rm3k per quarter. laugh.gif
victorywp
post Jan 22 2016, 05:19 PM

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QUOTE(laymank @ Jan 22 2016, 04:44 PM)
If paid with Aeon Watami card, will it be 3%?
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surely, i believe. nod.gif
victorywp
post Jan 27 2016, 01:21 AM

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QUOTE(zulhisyamr @ Jan 26 2016, 06:46 PM)
The best cash back and reward cc nowdays...pls suggest me
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there is no best cb/reward card. it depends on your need. so please follow the format in order for us to suggest to you.
victorywp
post Feb 5 2016, 05:30 AM

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QUOTE(Garroth @ Feb 5 2016, 02:09 AM)
1. Annual Income: 36 to 40K+

2. Free Lifetime Annual Fee: A Must

3. Card required for: Oversea Spending/Flight Ticket

4. Existing credit cards if any: Maybankard 2 Cards, UOB One Classic

5. Looking at CC from: Citibank - HLB Essential VISA, MAYBANK 2 CARDS PREMIER

6. Others: I will be deployed to Scotland for a business trip for half a year and would probably be swiping for all kind of expenses over there (rental/hotel, petrol, care hire etc), so I'm currently looking for a card that will give me the most benefits as the expenses would be in big amount after conversion to pound sterling.

I know that the MBB 2 Cards Premier is the probably the best for this purpose upon some research but I obviously don't have the income required for it and would need to pledge FD, I'm just wondering would it be worth it to pledge FD for the normal rate and lose the difference in $ I get if I would have gone for promotion rate and get these cards, or just settle for a card that provides unlimited cashback like the HLB Essential VISA?
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hlb essential is now 0.6% only...

get aeon watami for 3% per quarter with min spend of rm3k per quarter up to rm5k. you may also use your mbb2amex whenever it's accepted or when your watami card has been maxed.
victorywp
post Feb 8 2016, 10:33 AM

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QUOTE(kkk8787 @ Feb 8 2016, 09:57 AM)
I have this Maybank Petronas Platinum Visa. On weekends it says x8 treat points when spend at Petronas station. Does it include all spendings. lets say I reload my Petronas gift cards?
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if you just reload rm100 surely no problem = can get x8 tp.

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