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

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chiahau
post Jul 30 2015, 11:03 AM

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QUOTE(hafizhans @ Jul 30 2015, 10:59 AM)
i see
i google a bit about standing instruction: https://ringgitplus.com/en/blog/Banking-Bas...nstruction.html
so the amount has to be fixed n oso have to pay some fee for it?
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You can sign up for auto-billing.

That would be considered as a standing instruction, IIRC.
BabySteps
post Jul 30 2015, 11:32 AM

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1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: If possible rclxms.gif

3. Card required for: Petrol, Dining, Maxis Bill, Monthly Gym payment, Clothes.

4. Existing credit cards if any: MBB2Card, HLB MACH

5. Looking at CC from: Anywhere with best deal

6. Others: Since MBB cashback is only for dining, would hope to get cashback for other expenses as well. cry.gif
fruitie
post Jul 30 2015, 11:34 AM

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QUOTE(BabySteps @ Jul 30 2015, 11:32 AM)
1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: If possible  rclxms.gif

3. Card required for: Petrol, Dining, Maxis Bill, Monthly Gym payment, Clothes.

4. Existing credit cards if any: MBB2Card, HLB MACH

5. Looking at CC from: Anywhere with best deal

6. Others: Since MBB cashback is only for dining, would hope to get cashback for other expenses as well.  cry.gif
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Have your income touched RM 100k? If yes, then apply PBB VS and MBB VS.

If not, then please refer to first post for some recommendations.
Khrlzmn
post Jul 30 2015, 04:18 PM

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Usually how long to wait for approval credit card if we register at bank branch?? how long to wait the card arrive if approve??
fruitie
post Jul 30 2015, 05:51 PM

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QUOTE(Khrlzmn @ Jul 30 2015, 04:18 PM)
Usually how long to wait for approval credit card if we register at bank branch?? how long to wait the card arrive if approve??
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There is no SOP, so it depends on the bank, branch and even officer that your dealt with. smile.gif

Some can be quick, some can take their own sweet time. Safe to say from application to receiving card, the most is around 1 month time (based on my own experience).
victorywp
post Jul 30 2015, 11:45 PM

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QUOTE(mgb @ Jul 30 2015, 10:41 AM)
Since amex benefits got screwed, and ocbc titanium as well, and I got rejected for the ikhwan card, seriously need other card(s) for my usage.

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Yes.

3. Card required for: Petrol rm400/mth, groceries 500/mth (maybe more depends), dining weekdays & weekends, online purchases once in a while, insurance/mobile/utillities, misc stuff..

4. Existing credit cards if any: M2 Amex, OCBC Tit

5. Looking at CC from: Citibank? CIMB? Uob? Not so sure..

6. Others: Please be specific.
Total spending monthly roughly average 2k. Can be more or less depends.

Please help sad.gif
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get hlb wise for petrol/grocery, and get aeon watami for dining/online/insurance/mobile/utilities/misc/etc.
echoesian
post Jul 31 2015, 09:53 PM

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What is the alternative replacement card for the MBB 2 AMEX now?
karcity
post Jul 31 2015, 11:14 PM

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QUOTE(echoesian @ Jul 31 2015, 09:53 PM)
What is the alternative replacement card for the MBB 2 AMEX now?
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It depends. Lot of people change to maybank VS or UOB one card. Personally I applied maybank VS and PBB VS.
victorywp
post Aug 1 2015, 04:16 AM

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QUOTE(echoesian @ Jul 31 2015, 09:53 PM)
What is the alternative replacement card for the MBB 2 AMEX now?
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mbb ikhwan
LordReaper
post Aug 1 2015, 05:59 PM

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1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Yes(or with minimal swipe)

3. Card required for: Petrol, Cash Back/Rebate

4. Existing credit cards if any: Nil.

5. Looking at CC from: Nil.

6. Others: First credit card.

Any recommendation?

This post has been edited by LordReaper: Aug 1 2015, 05:59 PM
fruitie
post Aug 1 2015, 06:37 PM

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QUOTE(LordReaper @ Aug 1 2015, 05:59 PM)
1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: Yes(or with minimal swipe)

3. Card required for: Petrol, Cash Back/Rebate

4. Existing credit cards if any: Nil.

5. Looking at CC from: Nil.

6. Others: First credit card.

Any recommendation?
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UOB One card. If you have achieved 30k per annum, then can also add in Maybank Ikhwan.
zamnrul
post Aug 1 2015, 10:22 PM

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hi i have plan to take 1 cc ..already got rhb evo 3 months ago and want to apply new card ...but still confuse want to take cimb/public bank or ambank..please suggest only want for travelling and shopping...if can i prefer no annual fee...
fruitie
post Aug 1 2015, 10:30 PM

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QUOTE(zamnrul @ Aug 1 2015, 10:22 PM)
hi i have plan to take 1 cc ..already got rhb evo 3 months ago and want to apply new card ...but still confuse want to take cimb/public bank or ambank..please suggest only want for travelling and shopping...if can i prefer no annual fee...
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I guess, it's better you fill in the template posted in first post.

This post has been edited by fruitie: Aug 1 2015, 10:31 PM
drazed
post Aug 1 2015, 11:01 PM

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Since there is no government tax - I keep my Maybank 2 cards for dining, applied Maybank ikhwan for petrol and grocery cash back and cimb cash rebate card for internet cash rebate.

This post has been edited by drazed: Aug 1 2015, 11:02 PM
Ramjade
post Aug 1 2015, 11:27 PM

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QUOTE(drazed @ Aug 1 2015, 11:01 PM)
Since there is no government tax - I keep my Maybank 2 cards for dining, applied Maybank ikhwan for petrol and grocery cash back and cimb cash rebate card for internet cash rebate.
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Better go for uob vox for online transactions
fruitie
post Aug 2 2015, 12:35 AM

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QUOTE(Ramjade @ Aug 1 2015, 11:27 PM)
Better go for uob vox for online transactions
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It depends. CIMB CR has no minimum transaction unlike VOX which is RM 50 in order to get cash back.
CIMB CR offers 2% cash rebate for standing instruction for certain bills.
zamnrul
post Aug 2 2015, 04:52 AM

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QUOTE(fruitie @ Aug 1 2015, 10:30 PM)
I guess, it's better you fill in the template posted in first post.
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tq fruitie

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM26K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol,Phone Bill, Food and shopping

4. Existing credit cards if any: Yes evo card by rhb

5. Looking at CC from: Public bank/ambank or cimb please suggest

6. Others:
*
victorywp
post Aug 2 2015, 08:58 AM

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QUOTE(zamnrul @ Aug 2 2015, 04:52 AM)
tq fruitie

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM26K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol,Phone Bill, Food and shopping

4. Existing credit cards if any: Yes evo card by rhb

5. Looking at CC from: Public bank/ambank or cimb please suggest

6. Others:
*
*
cimb cr plat
victorywp
post Aug 2 2015, 08:58 AM

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QUOTE(zamnrul @ Aug 2 2015, 04:52 AM)
tq fruitie

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM26K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol,Phone Bill, Food and shopping

4. Existing credit cards if any: Yes evo card by rhb

5. Looking at CC from: Public bank/ambank or cimb please suggest

6. Others:
*
*
cimb cr plat
jutamind
post Aug 2 2015, 01:15 PM

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Looking for recommended card based on the info below:

1. Annual Income: > 100k p.a.

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash rebates for for online transactions such as hotel/flight booking, e-commerce, insurance, bill payments etc

4. Existing credit cards if any: HLB Wise and Aeon Watami (both max out cash rebate), Maybank 2 Card (going to cancel soon)

5. Looking at CC from: any bank

6. Others: Applied for Public VS but rejected

This post has been edited by jutamind: Aug 2 2015, 01:36 PM
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