Oh, not to forget the forex rate from SGD to MYR, too.

Hey guys, for Citibank Clear Card policy states that i must have atleast a tied loan to a financial institution for atleast 12 months to be eligible for application? wth? Couldn't they just check my EPF or income tax?

Must be holding a CC for at least 12 months, if not straight rejek.

Unless you are earning big bucks like 100k PA, then no problem, just go ahead and apply.

1. Annual Income: 50k-100k

2. Free Lifetime Annual Fee: Any

3. Card required for: Petrol and CASH REBATE for daily
(1 card for petrol, 1 card for grocery, 1 card utility such as maxis, tnb, mobile umobile, insurance? Possible?)

4. Existing credit cards if any: none

5. Looking at CC from: Any

This post has been edited by Ice BabY: Feb 17 2016, 09:53 PM

That is because they want to ensure that u are a good paymaster. If ur CCRIS report shows u have no borrowings, they cant assess whether u will be a good paymaster anot. However, if lets say u have another card or loan for at least 12 months, but ur CCRIS report shows that your repayment damn shit, u will still get rejected.

Your EPF statement or income tax only shows ur income, but not ur credibility as a good paymaster.

However, I managed to get my clearcard approved last time even when my CCRIS report was empty. My colleagues at that time told me it was because I was working in a bank, theyre somehow more lenient towards bank employees.

This post has been edited by lost123: Feb 17 2016, 04:34 PM

Annual Income: RM60K

Free Lifetime Annual Fee: A Must or Waived with minimum swipes

Card required for: Cash Back for Petrol, Groceries, Utilities, and Online Transaction.

Existing credit cards if any: Nil

Looking at CC from: Any

Others: I know it's impossible to have a single best CC that fits my needs above but please recommend the CC that offers the best cash back for each of the category or combination.

Petrol and groceries - Maybank Ikhwan MasterCard
Utilities - UOB VOX (assuming these bills can be paid via UOBPayOnline)
Online Transactions - UOB VOX and CIMB Cash Rebate

Just convert your CIMB card to CIMB Cash Rebate Platinum MasterCard to enjoy 2% CB on Petrol

if you are getting a malaysian credit card for overseas use, then getting credit card in singapore would make more sense. banks there are more competitive and rebates are much more attractive too

Somehow would prefer malaysia card, for some reason. Exchange rate is one of it...

unless you have savings in malaysia to pay the bills, you might end up losing twice on exchange rate, ie foreign currency -> ringgit -> sing dollar.

This post has been edited by kit2: Feb 17 2016, 11:30 PM

1. Annual Income: Rm60k-70k

2. Free Lifetime Annual Fee: must

3. Card required for: when my m2premier cannot be swipe for 5x. I spend my groceries and buying stuff mostly online

4. Existing credit cards if any: m2premier, m2card,mkrisflyer

5. Looking at CC from:

6. Others: I wanted to have as much point as I can for me to redeem air ticket.

How to apply M2P with 60-70K income?
Please share with me.

Pledge FD?

I am suspecting that, but would like confirmation from silent_screamerz

This post has been edited by laymank: Feb 18 2016, 10:14 AM

Definitely UOB VOX

Prior to year 2012 was a good old days for cc application via card apply card method.......new card CL easily became N times increased.

Pledge FD

Anyway just browse thru UOB thread, does UOB VOX get CB at aliexpress? doesn't seem to show at the first page. Planning to buy alot from aliexpress since taobao to complicated to use.

This post has been edited by silent_screamerz: Feb 18 2016, 11:04 AM

You can try because those on the first page were tried before by others, then contribute to us.

Haha. for me to try this, i need to apply the UOB VOX first. still browsing thru the thread to check suitable card for me to compliment my other card.