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

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fly126
post Apr 27 2016, 11:27 AM

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QUOTE(silrave @ Apr 27 2016, 09:53 AM)
because i online it say attach form
i attach document in jpeg format then it say pls attach mandatory document
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If still can not upload your Document why not just sent your Apps by Email at mbbcardservices@maybank.com.my

http://www.maybank2u.com.my/WebBank/IkhwanVisa_AppForm.pdf
aegis6503
post Apr 27 2016, 11:45 AM

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hi, can anyone recommend credit card (other than OCBC GE and PBB AIA) which have cash rebate for monthly insurance payment?
fly126
post Apr 27 2016, 12:11 PM

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QUOTE(aegis6503 @ Apr 27 2016, 11:45 AM)
hi, can anyone recommend credit card (other than OCBC GE and PBB AIA) which have cash rebate for monthly insurance payment?
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Pls refer to Post #1642 without SCB Cash back Gold...
aegis6503
post Apr 27 2016, 01:27 PM

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QUOTE(fly126 @ Apr 27 2016, 12:11 PM)
Pls refer to Post #1642 without SCB Cash back Gold...
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thanks for the infor but however i called alliance younique, insurance no cash back only for retail spending!
fly126
post Apr 27 2016, 02:29 PM

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QUOTE(aegis6503 @ Apr 27 2016, 01:27 PM)
thanks for the infor but however i called alliance younique, insurance no cash back only for retail spending!
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Oops.... I didn't Know that
Then, just Remain HLB Essential only got Cash back on Insurance payment
kelvinlzy
post Apr 27 2016, 02:39 PM

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QUOTE(aegis6503 @ Apr 27 2016, 01:27 PM)
thanks for the infor but however i called alliance younique, insurance no cash back only for retail spending!
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Sure can trust CS? Others reported getting cashback for insurance.
aegis6503
post Apr 27 2016, 03:10 PM

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QUOTE(kelvinlzy @ Apr 27 2016, 02:39 PM)
Sure can trust CS? Others reported getting cashback for insurance.
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even if check on the website, is stated for all retail spending only. no insurance n petrol is mentioned on it.
kelvinlzy
post Apr 27 2016, 03:15 PM

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QUOTE(aegis6503 @ Apr 27 2016, 03:10 PM)
even if check on the website, is stated for all retail spending only. no insurance n petrol is mentioned on it.
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Unlike SBC Gold, Younique doesnt restrict any transaction. Understand this, petrol and insurance are also considered as retail transactions unless bank specifically exclude them.
babienn
post Apr 27 2016, 03:28 PM

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QUOTE(kelvinlzy @ Apr 27 2016, 03:15 PM)
Unlike SBC Gold, Younique doesnt restrict any transaction. Understand this, petrol and insurance are also considered as retail transactions unless bank specifically exclude them.
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If that's the case is PTPTN loan repayment counted as retail transaction too? hmm.gif
remnesh
post Apr 27 2016, 03:35 PM

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1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Yes if possible

3. Card required for: Retail and overseas spending

4. Existing credit cards if any: Maybankard2card

5. Looking at CC from: Any

6. Others: Im guessing the best cashback would be 1%. Any card gives more than that? If earning points, which would be the best value for points card?

Thanks in advance!
fly126
post Apr 27 2016, 03:54 PM

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QUOTE(remnesh @ Apr 27 2016, 03:35 PM)
1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Yes if possible

3. Card required for: Retail and overseas spending

4. Existing credit cards if any: Maybankard2card

5. Looking at CC from: Any

6. Others: Im guessing the best cashback would be 1%. Any card gives more than that? If earning points, which would be the best value for points card?

Thanks in advance!
*
Pls refer to Post #1642...
sohlican
post Apr 27 2016, 09:27 PM

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Pay condo maintenance consider as retail?
fly126
post Apr 27 2016, 09:38 PM

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QUOTE(sohlican @ Apr 27 2016, 09:27 PM)
Pay condo maintenance consider as retail?
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"Retail Spending / Transactions" = All the Purchases of Goods or Service which is Charged to the Credit Card, Including Quit Rent, Assessment Fee, Auto Debit...etc

This post has been edited by fly126: Apr 27 2016, 09:50 PM
kelvinlzy
post Apr 27 2016, 10:18 PM

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QUOTE(babienn @ Apr 27 2016, 03:28 PM)
If that's the case is PTPTN loan repayment counted as retail transaction too?  hmm.gif
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Yes, just like sis fly126 said, any goods or services charged to the card is considered as retail transaction. Charges like late payment, annual fee, balance transfer are not retail.
fly126
post Apr 27 2016, 11:07 PM

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QUOTE(sohlican @ Apr 27 2016, 09:27 PM)
Pay condo maintenance consider as retail?
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QUOTE(fly126 @ Apr 27 2016, 09:38 PM)
"Retail Spending / Transactions" = All the Purchases of Goods or Service which is Charged to the Credit Card, Including Quit Rent, Assessment Fee, Auto Debit...etc
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QUOTE(kelvinlzy @ Apr 27 2016, 10:18 PM)
Yes, just like sis fly126 said, any goods or services charged to the card is considered as retail transaction. Charges like late payment, annual fee, balance transfer are not retail.
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Yup... nod.gif

"Retail Spending / Transactions" = Any Purchases of Goods or Service which is Charged to the Credit Card

Retail Spending (Transactions)
i) Local / Overseas Purchases
ii) Auto Debit / Recurring / Standing Instruction (SI)
iii) E-commerce / Internet / Online
iv) Mail Order / Telephone Order (MOTO)

NON-Retail Spending (Transactions)
i) Flexi Payment Plan / Easy Payment Plan
ii) Balance Transfer (BT)
iii) Cash Advances / Dial For Cash (DFC)
iv) Credit Shield Plus / Card Protection Plan
v) Outstanding Balance / Finance Charge / Late Payment Charge
vi) Reversal on Transaction, Disputed / Fraudulent Transaction
vii) Card Replacement Fee / Annual Fee / GST, Other Fees & Charges
babienn
post Apr 27 2016, 11:23 PM

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QUOTE(kelvinlzy @ Apr 27 2016, 10:18 PM)
Yes, just like sis fly126 said, any goods or services charged to the card is considered as retail transaction. Charges like late payment, annual fee, balance transfer are not retail.
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QUOTE(fly126 @ Apr 27 2016, 11:07 PM)
Yup... nod.gif

"Retail Spending / Transactions" = Any Purchases of Goods or Service which is Charged to the Credit Card

Retail Spending (Transactions)
i) Local / Overseas Purchases
ii) Auto Debit / Recurring / Standing Instruction (SI)
iii) E-commerce / Internet / Online
iv) Mail Order / Telephone Order (MOTO)

NON-Retail Spending (Transactions)
i) Flexi Payment Plan / Easy Payment Plan
ii) Balance Transfer (BT)
iii) Cash Advances / Dial For Cash (DFC)
iv) Credit Shield Plus / Card Protection Plan
v) Outstanding Balance / Finance Charge / Late Payment Charge
vi) Reversal on Transaction, Disputed / Fraudulent Transaction
vii) Card Replacement Fee / Annual Fee / GST, Other Fees & Charges
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Thanks both sifu. Just realized how broad is the definition of "retail" in the financial sector.
Havoc Knightmare
post Apr 28 2016, 09:04 AM

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QUOTE(fly126 @ Apr 27 2016, 10:13 AM)
HLB Essential (AF Waiver subject to 12x Swipe/year)
• 0.6% unlimited cash back on insurance transactions Or Other retail transactions but No CB on Petrol
• 0.6% cash back on RM5,000 spend (tier 1)
• 1% unlimited cash back on subsequent spend (tier 2)
Or
Alliance Younique card http://youniquecard.alliancebank.com.my/Yo...bates_v1.0.html
Or
SCB Cash Back Gold https://www.sc.com/my/campaign/cashback-gold.html
Or
If U are a Business Proprietor,
RHB Platinum Business Credit Card
* Cash rebate of 1% for retail charges (except for Petrol, Government, Cash Advance & Charity transactions)
*
Thanks!


sinyichan0111
post Apr 28 2016, 10:17 AM

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QUOTE(fly126 @ Apr 26 2016, 04:35 PM)
UOB One Card
https://forum.lowyat.net/topic/3842474

UOB Lady's Card
Daily Ten Promotion (10% CashBack) T&C,
*The total Cash Back payout per month for this Promotion is RM 150,000 which is to be given out during the Promotion Period on a first-come first-serve basis.

as the Allocation of Cash Back for,
i) Lady’s Solitaire Card member are entitled Max. RM80 Cash Back /month.
ii) Lady’s Platinum Card member are entitled Max. RM50 Cash Back/ month.
iii) Lady’s Classic Card member are entitled Max. RM30 Cash Back /month.

* The Cash Back will be credited into the Cardmembers’  Credit Card Account and reflected in the monthly Statement of Account within 2 months from the month that the Eligible Spend

http://www.uobladys.com/uobladys/my/assets...ly10_tnceng.pdf
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hello,

so the requirement above the card that can satisfy me is uob one card?
fly126
post Apr 28 2016, 10:45 AM

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QUOTE(sinyichan0111 @ Apr 28 2016, 10:17 AM)
hello,

so the requirement above the card that can satisfy me is uob one card?
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It's Depends on your spending Pattern, or you can have both CC as Usual their Agent ask you help them out sign up for TWO card +Bank usually given 2 years Annual Waiver to NEW Signup, I said No Harm Test Water to get Combo (UOB One Card+ Lady's Card) If you tak suka baru call in to Cancel, later...

Btw, they do give ME up to 5 years AF Waiver on my UOB One Plat. + Lady's Plat.

This post has been edited by fly126: Apr 28 2016, 12:36 PM
asiatrader98
post Apr 29 2016, 10:58 AM

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if someone ady have more than 10 cash back cards, will it affect his new credit card application? Do you think he need to cancel those cards he has no utilize?

This post has been edited by asiatrader98: Apr 29 2016, 10:59 AM

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