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

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fly126
post Jul 21 2016, 08:41 AM

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QUOTE(Duckies @ Jul 21 2016, 08:28 AM)
Ah sorry my bad. Any recommendation for petrol and groceries?

Also I like to pay bills online as well. Don't mind applying few cards for different purpose.
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UOB One Card, Citibank CB Card - Grocery, petrol

UOB Vox- 5%CB, It's Good for Online Spend, pay Utilities bill via UOB Payonline.
(MUST with a minimum spend of RM50 in a single receipt/transaction)
- Capped at RM1,000 Spend with Max. CB RM50 per month & Monthly Fee (RM6.36) will be Waived with 1x Swipe/month.

This post has been edited by fly126: Jul 21 2016, 08:46 AM
fly126
post Jul 21 2016, 08:53 AM

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QUOTE(Duckies @ Jul 21 2016, 08:49 AM)
Oh nice recommendation for the UOB Vox since I did pay a lot of bills online! Does buying from sites like Lazada and 11 street counts as online spend as well?

Grocery and Petrol I will probably aim for Citibank. Let me check which 1 of them has free annual fee for life.
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Only Citibank Choice Card it's FEE FREE for Life

HLB Mach

This post has been edited by fly126: Jul 21 2016, 08:54 AM
fly126
post Jul 25 2016, 12:57 PM

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QUOTE(exia5733 @ Jul 25 2016, 12:23 PM)
Hi All,

Recommendations pls:

1. Annual Income: >RM100K

2. Free Lifetime Annual Fee: A must.

3. Card required for: Lifestyle card. Retail and Online transactions. Petrol swiping is minimal however.

4. Existing credit cards if any: Vanilla Staff VS Credit Card

5. Looking at CC from: Is the CIMB Preferred VI a good card? I require a balanced card with active retail promotions and premier lounge access. My existing cc is a staff card with unexciting features.

6. Others: Cash back is a definite plus but I don't mind points system either.

Thanks......
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PBB Visa Signature.
fly126
post Jul 26 2016, 11:17 AM

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QUOTE(isAb3lle @ Jul 26 2016, 10:59 AM)
1. Annual Income: RM60K.

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: Cashback (must), Airline Lounge Access (Not a must)
Mainly used for Petrol, Groceries, Online transactions, Misc (Dining, Movies, but very minimal)

4. Existing credit cards if any: Maybank Ikhwan Mastercard, Aeon New Gold
(Currently also holding UOB Lady's, UOB One, Citibank Clear but planning to cancel these soon)

5. Looking at CC from: Not sure.

6. Others: Looking to maximize my cashback like I used to be able to by Maybank2 Cards.
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HLB Wise - Petrol, Groceries
HLB Mach - Movie, Dinning
UOB Vox - Online spend
fly126
post Jul 27 2016, 04:02 PM

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QUOTE(Hellkite @ Jul 27 2016, 03:28 PM)
1. Annual Income: RM80K.

2. Free Lifetime Annual Fee: Preferable.

3. Card required for: Cashback (must)
Mainly used for general expenditure like insurance, condo maintenance, kids daycare..

4. Existing credit cards if any: Maybank 2 cards, Pbb &  Maybank visa signature, cimb cash rebate Mastercard, Alliance younique

5. Looking at CC from: Any

6. Others: Looking to maximize my cashback for general spending since the alliance younique rebate is approaching max every month and I foresee more general expenses coming in the near future. My other cards already give me cashback on petrol, groceries, utility and telcos bills etc. Need this recommendation for spending on the other categories since no more OCBC titanium unlimited 1% cashback.

Thanks.
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HLB Fortune https://www.hlb.com.my/main/personal/cards/fortune-card or
HLB Essential https://www.hlb.com.my/main/personal/cards/essential-card

QUOTE(sj0217 @ Jul 27 2016, 03:35 PM)
You may consider SCB Gold CashBack Card
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There are No CB on Insurance Payment for SCB Cash Back Gold

This post has been edited by fly126: Jul 28 2016, 12:20 PM
fly126
post Aug 5 2016, 03:38 PM

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QUOTE(little_baby @ Aug 5 2016, 03:14 PM)
1. Annual Income: RM35000

2. Free Lifetime Annual Fee: Prefer yes

3. Card required for: Dining, Petrol, Shopping

4. Existing credit cards if any: AEON credit card

Please advise me which card is more suitable for me..thanks
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MBB Ikhwan MasterCard- Petrol, Groceries (5% CB on Fri/Sat)
HLB Mach - Dining, Shopping
fly126
post Aug 5 2016, 03:52 PM

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QUOTE(ray9292 @ Jul 29 2016, 02:44 PM)
1. Annual Income: Around RM 30k

2. Free Lifetime Annual Fee: Prefer yes

3. Card required for: Petrol, Education, Cash Back/Rebate Only, pay bills

4. Existing credit cards if any: None

5. Looking at CC from: Any

Never apply a credit card. So I dun know much about this. All sifus help me pls thanks biggrin.gif
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QUOTE(FiragaZ @ Aug 2 2016, 08:01 PM)
1. Annual Income: RM60,000

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Petrol, Insurance, Phone Bill, Unifi

4. Existing credit cards if any: None

5. Looking at CC from: Any
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i) MBB Ikhwan MasterCard - Petrol, Groceries (5% CB on Fri/Sat)

ii) UOB Vox- 5%CB, Good for Online Spend, pay Phone/Utilities bill via UOB Payonline.
(MUST with a minimum spend of RM50 in a single receipt/transaction)
- Capped at RM1,000 Spend with Max. CB RM50 per month & Monthly Fee (RM6.36) will be Waived with 1x Swipe/month.

This post has been edited by fly126: Aug 5 2016, 04:01 PM
fly126
post Aug 6 2016, 08:11 PM

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QUOTE(numblink @ Aug 6 2016, 04:50 PM)
1. Annual Income: -

2. Free Lifetime Annual Fee: Prefer

3. Card required for: Petrol(MUST), pay bills , flight tic , casual dining & entertaiment
4. Existing credit cards if any: CIMB Visa Infinite , PBB Visa Infinite
5. Looking at CC from: HLB Wise , Citibank

Please recommend CC for maximum cash back. TQTQ
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HLB Wise (Petrol, Entertainment) & PBB Visa Signature (Online Transaction: Flight tix, Hotel Booking , Bill Payment & Dining).

This post has been edited by fly126: Aug 6 2016, 08:17 PM
fly126
post Aug 6 2016, 08:13 PM

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QUOTE(peigeng @ Aug 6 2016, 08:04 PM)
Annual income:rm72000
Free lifetime annual fee: yes
Card required for:pay utilities, groceries , dining and online purchase
Existing card:nil
Looking at cc from:any

Please recommend cc for maximum airline.
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UOB Vox - Online Spend

If You got income of Rm100k p.a, may consider....
PBB Visa Signature - 6% Cash Back on Grocery, Dining and Online Transaction.

This post has been edited by fly126: Aug 6 2016, 08:24 PM
fly126
post Aug 9 2016, 06:02 PM

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QUOTE(undine @ Aug 9 2016, 05:24 PM)
Annual income: 57k
Free lifetime annual fee: preferred
Card required for: pay utilities, groceries , dining and online purchase, petrol, airlines tickets
Existing card: maybank2card amex and visa (gold)
Looking at cc from: any

help please
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MBB Ikhwan MasterCard, CIMB Cash Rebate MasterCard, UOB Vox.
fly126
post Aug 9 2016, 07:22 PM

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QUOTE(fruitie @ Aug 9 2016, 06:44 PM)
UOB VOX may not be available anymore for new applicants. Shared by two forummers so far in UOB thread. Hope existing users will not be affected... sweat.gif
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Yeah, I hope they will Retain It also... ohmy.gif
fly126
post Aug 11 2016, 11:21 AM

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QUOTE(joycelsq @ Aug 11 2016, 11:12 AM)
hi sifus,

i am looking for all online spending rebate cards.. any other recommendation besides, cimb, uob and pb?

thanks
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ÆON BIG CC 2% Cash Back for Online Spend: All Online transactions with POS Condition Code '59' except for Insurance (MCC 5960,6300), Utility (MCC 4900) and Mobile Bill Payments (MCC 4813,4814)

This post has been edited by fly126: Aug 11 2016, 11:21 AM
fly126
post Aug 11 2016, 02:02 PM

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QUOTE(yshiuan @ Aug 11 2016, 12:59 PM)
Annual income: 48k
Free lifetime annual fee: preferred or can be waived easily
Card required for: pay utilities, groceries , dining, petrol, insurance
Existing card: OCBC GE mastercard, Aeon Big Gold
Looking at cc from: any, need to find one to replace my OCBC cc as they are retracting the unlimited 1% cash rebate on any spend.
*
MBB Ikhwan Mastercard - 5% CB on Petrol, groceries spend on Fri/Sat
HLB Fortune or HLB Essential - General Spending
https://forum.lowyat.net/topic/3644347/+2180# Pls Refer to Post #2181

This post has been edited by fly126: Aug 11 2016, 02:04 PM
fly126
post Aug 15 2016, 09:08 PM

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QUOTE(TakoC @ Aug 15 2016, 08:30 PM)
I heard got a HSBC card with 8% CB on petrol. Anyone got additional info on that?
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Petrol, Groceries Spend CB Criteria:
2% cash back for spend below RM2000
8% cash back for spend RM2000 and above

https://sp.hsbc.com.my/microsites/mplat-int...ashback_tnc.pdf

This post has been edited by fly126: Aug 15 2016, 09:09 PM
fly126
post Aug 17 2016, 03:37 PM

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QUOTE(starz92 @ Aug 17 2016, 01:33 PM)
Hi guys, need some recommendation here.. is there any cc that gives cash back for electronic purchase (i.e smartphone)?
*
Many...
SCB Cash Back Gold, HLB Essential, HLB Fortune, Alliance You: nique, OCBC 365, HLB Mach.

This post has been edited by fly126: Aug 17 2016, 03:52 PM
fly126
post Aug 17 2016, 05:20 PM

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QUOTE(neo_6053 @ Aug 17 2016, 05:07 PM)
Need some advice, many thanks!

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Prefer (depends on how good is the cashback)

3. Card required for: Petrol (RM200), Groceries (RM1000), Online Shopping (RM50-100)

4. Existing credit cards if any: Maybank 2 card Visa (been using it for more than 10 years, since many auto transaction using it, thus just remain)

UOB One Platinum Card : Annual Fee RM168, plan to replace this

5. Looking at CC from: Hong Leong Wise card since cashback is good, but no reward point at all. Wondering if there's any other card cashback+reward will be better than 10%?

6. Others: For now asking for this first as my daily card. next time maybe will need another card for large spending (buying furniture and stuff), but will ask again next time
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MBB Ikhwan MasterCard: 5% cash back for Petrol, Groceries Spend on Fri/Sat.
HLB Essential- General usage CC
HLB Wise - need to spend 10x RM50 to "Active" 10% CB, also No AF Waiver

This post has been edited by fly126: Aug 18 2016, 04:47 PM
fly126
post Aug 18 2016, 09:44 AM

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QUOTE(MasBoleh! @ Aug 18 2016, 03:07 AM)
I am sorry, may I know what is the real benefit of UOB VOX card?

And what do you guys think about CIMB Cash Rebate Platinum?
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CIMB Cash Rebate Mastercard vs UOB Vox
https://forum.lowyat.net/index.php?showtopi...post&p=80786662
Pls, Refer to Post #2018

Courtesy of fruitie thumbup.gif

This post has been edited by fly126: Aug 18 2016, 09:53 AM
fly126
post Aug 18 2016, 06:16 PM

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QUOTE(theunique94 @ Aug 18 2016, 05:03 PM)
1. Annual Income: RM24K to RM30K

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

3. Card required for: List all your needs (spending as below)
Petrol - 200 monthly - Petronas
Insurance - 200
Utilities - 200
Groceries - 100
TnG - 100
Food - 300-400
Required :  unlimited cashback/ discount / good redemption items using points /

4. Existing credit cards if any: Nil
5. Looking at CC from: any
6. Others: giving family 1k monthly
*
CIMB Cash Rebate Platinum MasterCard (Petrol, Groceries, Online, Utilities) or Maybank Ikhwan Mastercard (Petrol, Groceries)
HLB Mach (Food / Dining)
fly126
post Aug 19 2016, 01:40 AM

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QUOTE(MasBoleh! @ Aug 19 2016, 01:03 AM)
I see. Thank you so much. notworthy.gif

Seem like the current best cash back card for fresh graduate like me is Maybank Ikhwan card.  smile.gif
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You can count on CIMB Cash Rebate Mastercard, becos it also a Lifetime Fee Waiver CC icon_idea.gif

This post has been edited by fly126: Aug 19 2016, 01:49 AM
fly126
post Aug 19 2016, 01:48 AM

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QUOTE(MasBoleh! @ Aug 19 2016, 01:46 AM)
You mean this one?
http://www.cimbbank.com.my/en/personal/pro...mastercard.html

biggrin.gif
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Betul. nod.gif
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