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

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fly126
post Mar 4 2016, 08:02 AM

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QUOTE(michaelho @ Mar 4 2016, 02:40 AM)
1. Annual Income:RM120k

2. Free Lifetime Annual Fee: A Must  (or easily achievable)

3. Card required for: cashback or good redemption program - online and autodebit insurance- average RM2k p/m, groceries - RM1k p/m, DBKL RM2k yearly, misc

4. Existing credit cards if any: A) 2 x Wise Card (monthly maxed for bill payment/groceries/petrol which is why looking for additional card)

B) CIMB World MC (which is almost useless except for promo at Sam's Groceria now till end March 2016)

C) Essential Card (used for every other thing but since cashback revised to 0.6%, now looking for better options)

D) MBB2 Cards (unused)
5. Looking at CC from: PBB Visa Signature (6% for groceries), You:nique (tiered cash rebate), MBB Ikhwan (5% rebate

6. Others: hardly travel so access to PPL not important
Thanks a lot smile.gif
*
Or just Convert your M2C to Ikhwan CC or also can check on SCB Cash Back Gold & Alliance Younique card
http://youniquecard.alliancebank.com.my/Yo...bates_v1.0.html
https://www.sc.com/my/campaign/cashback-gold.html

This post has been edited by fly126: Mar 4 2016, 11:21 AM
laymank
post Mar 4 2016, 09:37 AM

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QUOTE(michaelho @ Mar 4 2016, 02:40 AM)
1. Annual Income:RM120k

2. Free Lifetime Annual Fee: A Must  (or easily achievable)

3. Card required for: cashback or good redemption program - online and autodebit insurance- average RM2k p/m, groceries - RM1k p/m, DBKL RM2k yearly, misc

4. Existing credit cards if any: A) 2 x Wise Card (monthly maxed for bill payment/groceries/petrol which is why looking for additional card)

B) CIMB World MC (which is almost useless except for promo at Sam's Groceria now till end March 2016)

C) Essential Card (used for every other thing but since cashback revised to 0.6%, now looking for better options)

D) MBB2 Cards (unused)
5. Looking at CC from: PBB Visa Signature (6% for groceries), You:nique (tiered cash rebate), MBB Ikhwan (5% rebate

6. Others: hardly travel so access to PPL not important
Thanks a lot smile.gif
*
For DBKL payment, you can try any online cards (UOB VOX, CIMB Cash Rebate, PB VS) by adding them to M2U Other cards and pay it from there.
XloveE
post Mar 4 2016, 10:27 AM

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QUOTE(fruitie @ Mar 3 2016, 09:32 PM)
24k per annum but with VI? blink.gif Supp card or?

Anyway, your best bet is CIMB CR which is free AF and UOB One but it has AF, gonna call to waive and if it allows.
All HLB cards share the same limit. My MACH and Wise share the same limit and same statement date.
*
It's not a supp card, I also don't know why I got it
CIMB CR = Cash Rebate or Petronas Card?
As I mostly only spend on petrol, just want to rebate on the petrol and get cash back as extra advantage for buying stuffs if I do.
fly126
post Mar 4 2016, 12:24 PM

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QUOTE(XloveE @ Mar 4 2016, 10:27 AM)
It's not a supp card, I also don't know why I got it
CIMB CR = Cash Rebate or Petronas Card?
As I mostly only spend on petrol, just want to rebate on the petrol and get cash back as extra advantage for buying stuffs if I do.
*
Btw, Are you Preferred Account Holder, becos the Preferred Visa Infinite Card it given Out by Bank to their Preferred Customer Only...
CIMB CR = CIMB Cash Rebate Mastercard

This post has been edited by fly126: Mar 4 2016, 12:27 PM
XloveE
post Mar 4 2016, 12:58 PM

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QUOTE(fly126 @ Mar 4 2016, 01:24 PM)
Btw, Are you Preferred Account Holder, becos the Preferred Visa Infinite Card it given Out by Bank to their Preferred Customer Only...
CIMB CR = CIMB Cash Rebate Mastercard
*
I also not sure about that, totally fresh in banking due to just started working recently
Oh okay, saw that Platinum Cash Rebate MasterCard, will go to apply that 1 then
sevendogz
post Mar 4 2016, 02:06 PM

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From: Klg-Ktn-Klg-KK-PG-BM
1. Annual income: 62K
2. Annual fee: Free or minimum fuss
3. Card required for: PTPTN/ SSPN payments (lump sum)
4. Existing Card: Wise (maxed monthly), CIMB rebate, UOB 1 and P.Platinum
5. Looking for credit card from: Any major banks
6. Other: Not too important
fruitie
post Mar 4 2016, 02:50 PM

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QUOTE(XloveE @ Mar 4 2016, 10:27 AM)
It's not a supp card, I also don't know why I got it
CIMB CR = Cash Rebate or Petronas Card?
As I mostly only spend on petrol, just want to rebate on the petrol and get cash back as extra advantage for buying stuffs if I do.
*
Petrol, then can get UOB One as well.
XloveE
post Mar 4 2016, 05:30 PM

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QUOTE(fruitie @ Mar 4 2016, 03:50 PM)
Petrol, then can get UOB One as well.
*
Thank you for the recommendation. notworthy.gif thumbsup.gif
So I try to apply UOB One Card then only go for CIMB Platinum Cash Rebate if I fail to get UOB
michaelho
post Mar 4 2016, 06:23 PM

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QUOTE(laymank @ Mar 4 2016, 08:53 AM)
Yes, PBB VS is what you should be going for.
Better still, get supplementary cards to add in more cash rebates (each supp card has its own cash rebates!)
*
QUOTE(fly126 @ Mar 4 2016, 09:02 AM)
Or just Convert  your M2C to Ikhwan CC or also can check on SCB Cash Back Gold & Alliance Younique card
http://youniquecard.alliancebank.com.my/Yo...bates_v1.0.html
https://www.sc.com/my/campaign/cashback-gold.html
*
QUOTE(laymank @ Mar 4 2016, 10:37 AM)
For DBKL payment, you can try any online cards (UOB VOX, CIMB Cash Rebate, PB VS) by adding them to M2U Other cards and pay it from there.
*
Thanks sifus. notworthy.gif notworthy.gif notworthy.gif Will look into these cards recommended. Wow, PBB VS supp have their own rebates, meaning can get up to RM100 rebates a month. That is great news. Think will convert MBB2 cards to Ikhwan and CIMB WMC to a CIMB cashback card. Will read up on them.
thlo87
post Mar 6 2016, 01:47 AM

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Joined: Aug 2011
1. Annual Income: RM 60k

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: Cash back for flight & accommodation bookings made through online channels (agoda, booking.com, air asia, mas, firefly sites)

4. Existing credit cards if any: Maybank WISE card (on dining, petrol and mobile category and am able to max out the Rebate half the times in a year).

5. Looking at CC from: Prefers Maybank or Hong Leong bank
fruitie
post Mar 6 2016, 10:33 AM

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QUOTE(thlo87 @ Mar 6 2016, 01:47 AM)
1. Annual Income: RM 60k

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: Cash back for flight & accommodation bookings made through online channels (agoda, booking.com, air asia, mas, firefly sites)

4. Existing credit cards if any: Maybank WISE card (on dining, petrol and mobile category and am able to max out the Rebate half the times in a year).

5. Looking at CC from: Prefers Maybank or Hong Leong bank
*
UOB VOX and CIMB CR. CIMB CR has no cash back for flight tickets but you can also use it to book hotels.
VOX has cash back for flight tickets.
thlo87
post Mar 6 2016, 12:06 PM

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QUOTE(fruitie @ Mar 6 2016, 10:33 AM)
UOB VOX and CIMB CR. CIMB CR has no cash back for flight tickets but you can also use it to book hotels.
VOX has cash back for flight tickets.
*
Thansk fruitier for your advice, wanna confirm a few points with you, sorry a cc noob here:

1. Are Online travel bookings (bookings with agoda and airline website) recognized under the travel category for HL WISE card?
2. Does UOB VOX covers transaction made on foreign country webstore such as asos.com ?
3. So UOB VOX rebate will recognize all online transaction regardless of the category it is in ? Any limitation to it ?
fruitie
post Mar 6 2016, 12:14 PM

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From: KUL
QUOTE(thlo87 @ Mar 6 2016, 12:06 PM)
Thansk fruitier for your advice, wanna confirm a few points with you, sorry a cc noob here:

1. Are Online travel bookings (bookings with agoda and airline website) recognized under the travel category for HL WISE card?
2. Does UOB VOX covers transaction made on foreign country webstore such as asos.com ?
3. So UOB VOX rebate will recognize all online transaction regardless of the category it is in ? Any limitation to it ?
*
1. Not sure because my Wise is not for travel.
2. Yes
3. Yes, must spend at least RM 50 per transaction to be eligible for cash back. Every month must spend a transaction (no minimum amount), if not will be imposed with monthly charges of RM 6. It's easy peasy for me. biggrin.gif
fkinmeng
post Mar 7 2016, 04:29 PM

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QUOTE(Human Nature @ Feb 22 2016, 07:28 PM)
http://www.ocbc.com.my/assets/pdf/Cards/tnc_card_ge2015.pdf

Clause 5 details the type of eligible transactions. It should come under (i) but maybe check with OCBC for confirmation. Do share with us the answer, I am looking at this card for insurance too.
*
can't be applied online anymore. hmm.gif
Human Nature
post Mar 7 2016, 04:40 PM

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QUOTE(fkinmeng @ Mar 7 2016, 04:29 PM)
can't be applied online anymore. hmm.gif
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Yup, seems like have to do the form filling way if you wanna apply
silrave
post Mar 8 2016, 01:46 AM

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hi
i just start work
wan to ask if wanna apply a card for petrol and normal usage
can i know go for which bank better?
fruitie
post Mar 8 2016, 01:58 AM

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QUOTE(silrave @ Mar 8 2016, 01:46 AM)
hi
i just start work
wan to ask if wanna apply a card for petrol and normal usage
can i know go for which bank better?
*
You may need to use the template in post #2. smile.gif
silrave
post Mar 8 2016, 11:02 AM

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QUOTE(fruitie @ Mar 8 2016, 01:58 AM)
You may need to use the template in post #2. smile.gif
*
haha
u at here also?
just start work
not so active as last time XD
thx for tell me



1. Annual Income: Rm 30k is it count like this? for just start work salary 2.5k x 12

2. Free Lifetime Annual Fee: A Must XD

3. Card required for: Petrol , online transaction cash rebate and movie XD

4. Existing credit cards if any: nope

5. Looking at CC from: no idea choose which

6. Others: Just start work , plan to get a credit card for petrol and normal usage. Some time will online purchase thing, prefer got cash back. Sometime will go for cinema, if got benefit more that more good XD
fruitie
post Mar 8 2016, 11:28 AM

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QUOTE(silrave @ Mar 8 2016, 11:02 AM)
haha
u at here also?
just start work
not so active as last time XD
thx for tell me
1. Annual Income: Rm 30k is it count like this? for just start work salary 2.5k x 12

2. Free Lifetime Annual Fee: A Must XD

3. Card required for: Petrol , online transaction cash rebate and movie XD

4. Existing credit cards if any: nope

5. Looking at CC from: no idea choose which

6. Others: Just start work , plan to get a credit card for petrol and normal usage. Some time will online purchase thing, prefer got cash back. Sometime will go for cinema, if got benefit more that more good XD
*
I'm very active in this section la. biggrin.gif

You can apply Maybank Ikhwan MasterCard for petrol. Online transactions can get CIMB Cash Rebate or UOB VOX. Check out their benefits. smile.gif
silrave
post Mar 8 2016, 05:28 PM

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Joined: Jun 2006
QUOTE(fruitie @ Mar 8 2016, 11:28 AM)
I'm very active in this section la. biggrin.gif

You can apply Maybank Ikhwan MasterCard for petrol. Online transactions can get CIMB Cash Rebate or UOB VOX. Check out their benefits. smile.gif
*
haha
i dunno u active at here too
woo
maybank ikhwan mastercard?
is it possible to apply credit card
i just start work not more than 2 weeks

i normally pump petrol
ok
i will check about CIMB and UOB VOX
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