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

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staticxtreme
post Apr 1 2016, 03:08 PM

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hi guys. any recommendation for cards with cash back for insurance payment online?
OldKidz
post Apr 1 2016, 05:33 PM

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QUOTE(staticxtreme @ Apr 1 2016, 03:08 PM)
hi guys. any recommendation for cards with cash back for insurance payment online?
*
Same question too. Currently using Watami for it but would be discont by end of April this year.
Whats the best card to replace Watami...

Currently using Standard Chartered Gold for non Petrol and non Insurance.
Wise for Petrol, Groceries, Mobile.
Amex 2 card for weekend dining.
edwardccg
post Apr 1 2016, 10:40 PM

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QUOTE(staticxtreme @ Apr 1 2016, 03:08 PM)
hi guys. any recommendation for cards with cash back for insurance payment online?
*
QUOTE(OldKidz @ Apr 1 2016, 05:33 PM)
Same question too. Currently using Watami for it but would be discont by end of April this year.
Whats the best card to replace Watami...

Currently using Standard Chartered Gold for non Petrol and non Insurance.
Wise for Petrol, Groceries, Mobile.
Amex 2 card for weekend dining.
*
there are few post before related to same matter
So far only 4: OCBC GE Plat, Alliance You:nique, HLB Essential, HLB Fortune.
all of it has some spending condition and none of it can compete 3% from watami cry.gif
staticxtreme
post Apr 2 2016, 10:20 AM

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QUOTE(edwardccg @ Apr 1 2016, 10:40 PM)
there are few post before related to same matter
So far only 4: OCBC GE Plat, Alliance You:nique, HLB Essential, HLB Fortune.
all of it has some spending condition and none of it can compete 3% from watami  cry.gif
*
bro aeon watami got 3% cash back for insurance?
fruitie
post Apr 2 2016, 10:51 AM

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QUOTE(staticxtreme @ Apr 2 2016, 10:20 AM)
bro aeon watami got 3% cash back for insurance?
*
Yes but the 3% cash back will cease to exist after 30th April.
edwardccg
post Apr 2 2016, 03:57 PM

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QUOTE(staticxtreme @ Apr 2 2016, 10:20 AM)
bro aeon watami got 3% cash back for insurance?
*
yes
was getting the 3% from watami for insurance since 2014 but no more after Apr 30

This post has been edited by edwardccg: Apr 2 2016, 03:58 PM
PrincZe
post Apr 2 2016, 05:40 PM

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So no more watami, I guess next is uob wins for cash back
GymBoi
post Apr 3 2016, 05:44 PM

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QUOTE(PrincZe @ Apr 2 2016, 05:40 PM)
So no more watami, I guess next is uob wins for cash back
*
and why ? I had:

UOB ONE
HL Essential
PB visa signature
Watami

Then i got my Wise ... so plan to cancel UOB .... but now just hear watami also want cancel .. so thinking need cancel uob onot ... uob where got any cash back ? besides pharmacy and cinema ?? petrol also so little .. thats y i got wise
mashimaro_jean
post Apr 3 2016, 06:53 PM

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1. Annual Income: 63K

2. Free Lifetime Annual Fee: Yes please – don’t mind using points to waive

3. Card required for:
Petrol – Shell - average RM200 per month (saw some credit cards only allow cash back if swipe min RM50 but I only swipe less than RM30 one time)
Utilities – Maxis Fibre, Digi , TNB, Syabas, average RM1000 per month
Insurance – average RM 650
Shopping – average RM 1000
Dining/Drinks – average RM 300
Online shopping – average using paypal RM 150
Occasional booking of hotels through Booking or Agoda

4. Existing credit cards if any: Maybank 2 Gold Cards, Aeon Big Gold (but my mum is holding it instead)

5. Looking at CC from: anything that gives me some form of benefit because I’m not getting any from my MBB cards

6. Others: Currently doing most if not all of my transactions via Maybank2u/MBB cards. will be good if the new CCs are convenient as well.

This post has been edited by mashimaro_jean: Apr 3 2016, 07:05 PM
omron
post Apr 3 2016, 11:35 PM

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hello all any card which can get fast approval n received like rhb cc.. thanks for answering..
shinnasuka
post Apr 4 2016, 12:23 PM

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1. Annual Income: 31K

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Shopping, EPP, Emergency

4. Existing credit cards if any: Nil.

5. Looking at CC from: Any bank, no personal preference

6. Others: Looking for my first card. I only worked for 3 months now, and only have income hike for the third month. I would like to know about the required documents as well.
fly126
post Apr 4 2016, 06:29 PM

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QUOTE(shinnasuka @ Apr 4 2016, 12:23 PM)
1. Annual Income: 31K

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Shopping, EPP, Emergency

4. Existing credit cards if any:  Nil.

5. Looking at CC from: Any bank, no personal preference

6. Others: Looking for my first card. I only worked for 3 months now, and only have income hike for the third month. I would like to know about the required documents as well.
*
MBB Ikhwan or UOB One Card or HLB Mach

Just wait kerja 6 Months baru Apply bcos the Bank want check on (min. 6 months EPF Contribution) whether U got a stable Job or not, baru grant u a Credit Card... icon_idea.gif
fly126
post Apr 4 2016, 06:48 PM

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QUOTE(mashimaro_jean @ Apr 3 2016, 06:53 PM)
1. Annual Income: 63K

2. Free Lifetime Annual Fee: Yes please – don’t mind using points to waive

3. Card required for:
Petrol – Shell - average RM200 per month (saw some credit cards only allow cash back if swipe min RM50 but I only swipe less than RM30 one time)
Utilities – Maxis Fibre, Digi , TNB, Syabas,  average RM1000 per month
Insurance – average RM 650
Shopping – average RM 1000
Dining/Drinks – average RM 300
Online shopping – average using paypal RM 150
Occasional booking of hotels through Booking or Agoda

4. Existing credit cards if any: Maybank 2 Gold Cards, Aeon Big Gold (but my mum is holding it instead)

5. Looking at CC from: anything that gives me some form of benefit because I’m not getting any from my MBB cards

6. Others: Currently doing most if not all of my transactions via Maybank2u/MBB cards. will be good if the new CCs are convenient as well.
*
UOB Vox (if pay your Utilities Bill thru Online, hotel booking, Online Shopping)

HLB Essential (General Usage, Insurance, Shopping)

UOB one Card or MBB Ikhwan (Petrol, Groceries)

HLB Mach or just use Your M2C for Dinning Spend

This post has been edited by fly126: Apr 4 2016, 06:54 PM
mashimaro_jean
post Apr 4 2016, 11:08 PM

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QUOTE(fly126 @ Apr 4 2016, 06:48 PM)
UOB Vox (if pay your Utilities Bill thru Online, hotel booking, Online Shopping)

HLB Essential (General Usage, Insurance, Shopping)

UOB one Card or MBB Ikhwan (Petrol, Groceries)

HLB Mach or just use Your M2C for Dinning Spend
*
But I checked the site.. It says exclude bill payments? Is UOB VOX only good if I do online shopping?

Enjoy 5% cash rebate
On all your online purchases.
*For online spend of up to RM1,000 per month. Cash rebates will be credited into your VOX card account by the 30th of the following month and excludes insurance, government utilities & bill payments only.
fruitie
post Apr 4 2016, 11:11 PM

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QUOTE(mashimaro_jean @ Apr 4 2016, 11:08 PM)
But I checked the site.. It says exclude bill payments? Is UOB VOX only good if I do online shopping?

Enjoy 5% cash rebate
On all your online purchases.
*For online spend of up to RM1,000 per month. Cash rebates will be credited into your VOX card account by the 30th of the following month and excludes insurance, government utilities & bill payments only.
*
Check out UOB thread's first post, we have tried those merchants and got cash back. The keyword is UOBPayOnline.

Yes, good because I also use it for online shopping.
piggyzai
post Apr 4 2016, 11:19 PM

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From: Some part of the "Thether of Dream"
1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must or if the bank allow to waive yearly after reviewing (if it's really that good CC)

3. Card required for: List all your needs (spending as below)
Petrol - 200-350 monthly
Insurance - 300 Monthly
Groceries on weekend about 100-250 per month.
mobile phone bill - 50 monthly
movie

Required : Looking mainly for Cash Back/Rebate Card

4. Existing credit cards if any:
pbb classic(plan to cancel it but now have 1 year installment)
citibank clear
ciibank rewards platinum
UOB One
UOB preffered platinum(gonna cancel it)

5. Looking at CC from: ANY
fly126
post Apr 5 2016, 02:14 AM

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QUOTE(piggyzai @ Apr 4 2016, 11:19 PM)
1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must or if the bank allow to waive yearly after reviewing (if it's really that good CC)

3. Card required for: List all your needs (spending as below)
Petrol - 200-350 monthly
Insurance - 300 Monthly
Groceries on weekend about 100-250 per month.
mobile phone bill - 50 monthly
movie

Required : Looking mainly for Cash Back/Rebate Card
Modified Some... devil.gif
4. Existing credit cards if any:
pbb classic(plan to cancel it but now have 1 year installment)
*citibank clear (Cancel if U X Utilized their Coffee Bean or 1 for 1 Friday's Movie Privileges)
*citibank rewards platinum (Cut also not much benefit except the Evergreen Rewards Point)

P.s : U X Earn any Rewards Point from Some of Our Retail spend.... ranting.gif  https://forum.lowyat.net/index.php?showtopi...post&p=79392532
UOB One (Should Keep, Petrol, Groceries, GSC, Mobile CB)
UOB preferred platinum(gonna cancel it)

5. Looking at CC from: ANY
*
MBB Ikhwan (Petrol, Groceries), Lifetime Fee Waiver... thumbup.gif
HLB Essential (Insurance, General Usage), AF Waiver subject to 12X Swipes a Year

This post has been edited by fly126: Apr 5 2016, 02:24 AM
tedfuhrer
post Apr 5 2016, 02:51 PM

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1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: Yes

3. Card required for: Free Airport Lounge access, Airmiles, Petrol and purchase (cashback)

4. Existing credit cards if any: Alliance and Visa Platinum (cashback)

5. Looking at CC from: Citibank - Premier Miles, HSBC - Visa Signature

6. Others: Free Airport Lounge access and airmiles are must

This post has been edited by tedfuhrer: Apr 5 2016, 03:25 PM
fruitie
post Apr 5 2016, 03:44 PM

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QUOTE(tedfuhrer @ Apr 5 2016, 02:51 PM)
1. Annual Income: RM180K and above

2. Free Lifetime Annual Fee: Yes

3. Card required for: Free Airport Lounge access, Airmiles, Petrol and purchase (cashback)

4. Existing credit cards if any: Alliance and Visa Platinum (cashback)

5. Looking at CC from: Citibank - Premier Miles, HSBC - Visa Signature

6. Others: Free Airport Lounge access and airmiles are must
*
AmBank WMC.

Free unlimited access to local PPLs and some overseas PPL. Free for life. The only criteria is to swipe 3x within 30 days before/after access to PPL (each entry).
mashimaro_jean
post Apr 5 2016, 09:46 PM

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QUOTE(fruitie @ Apr 4 2016, 11:11 PM)
Check out UOB thread's first post, we have tried those merchants and got cash back. The keyword is UOBPayOnline.

Yes, good because I also use it for online shopping.
*
If I need to choose between UOB VOX and UOB ONE card, would the ONE card be better? Or still VOX better?

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