It may. So advisable to terminate those unused cards. I have more than 10 too and plan to cancel useless cards.

hahaha...........i think so

1. Annual Income: RM38.4k

2. Free Lifetime Annual Fee: I don't quite understand this. Does this mean I need to use the card for a minimum amount of times per month?

3. Card required for: Petrol, Touch n Go, Food, Groceries, Telephone Bill, Shopping (maybe once every two months)

4. Existing credit cards if any: None

5. Looking at CC from: Any

6. Others: The card will be mostly used for petrol convenience, but I will also be using them for other expenses such as groceries, telephone bill, online shopping. Also, I have just started to work, my salary is RM3200 excluding OT and allownaces. (i have 4 months of payslip to apply for the card)

Maybank Ikhwan Mastercard - Petrol, Groceries (5% CB on Fri, Sat, it's Lifetime fee waiver) https://forum.lowyat.net/topic/3763581
Or
CIMB Cash Rebate Platinum MasterCard (Lifetime fee waiver)
https://forum.lowyat.net/topic/3802637
Or
UOB One Card
https://forum.lowyat.net/topic/3842474

Annual Income: RM30k (according to pay slip)

2. Free Lifetime Annual Fee: Best to have

3. Card required for: Great Eastern Insurance Payment

4. Existing credit cards if any: CIMB Petronas plat, UOB one, HSBC plat (cancelling June)

5. Looking at CC from: Any

6. Others: I know the best card for great eastern premium payment would be the OCBC GE card, but the bank dared to reject my application, what will be the 2nd best card for this?

This OCBC is a scammer, dude.

scammer? wow

just attach your 7 digit FD as supporting document. surely they will approve.

Why scammer? I have this card.

more often than not, they didn't read the fine prints carefully and thus 'scammer'.

not another FD pledging

not related to any fine prints. is the fucking yes from the beginning then no in the ending.

This post has been edited by aegis6503: May 2 2016, 03:54 PM

think he meant as supporting document to show that u have a lot of money. lol

1. Annual Income: RM39.6k

2. Free Lifetime Annual Fee: either this, or waived with monthly swipes.

3. Card required for: Petrol, Touch n Go, Telephone Bill, a lot of retail purchases (RM3xxx) per month.

4. Existing credit cards if any: None

5. Looking at CC from: Any

6. Others: hoping to get as much cashback as possible, primarily from petrol and retail purchases (clothing).

Thank you.

HL Wise have issues? Tried to apply but rejected. Now even my gf with healthy financial also got rejected. Anyone from inside or gotten any news from inside?

Maybank Ikhwan Mastercard - Petrol, Groceries (5% CB on Fri, Sat, it's Lifetime fee waiver) https://forum.lowyat.net/topic/3763581
HLB Mach https://forum.lowyat.net/topic/2421215

And, a Possibility of getting HLB Wise with 10% Cash Back but NO Annual Fee Waiver
https://forum.lowyat.net/topic/3894494

This post has been edited by fly126: May 3 2016, 12:30 AM

Any advise which card to suit me?

Family expenses:-

Monthly pay
Insurance = RM770.00 (Great Eastern)
TNB = RM100.00
Telco = RM100.00 (Umobile & Digi)
Unifi = RM165.00
Petrol = RM500.00 (Two cars)

Geocery = AEON, GIANT, TESCO

Yearly pay
Insurance = RM 3,400.00 (Great Eastern)

Last time used OCBC titinum cash back
Now Maybank amex dual card.

Please advise any card with cash back and point?

Thanks.

MBB Islamic Ikhwan Mastercard or UOB One Card (Petrol, Groceries)
And, OCBC GE card for Insurance & Other Expenses

Dayum. HLB Wise 10% cash back. In order to get the 10% cash back, we need 10 swipes per month right? Also, are wholesale purchases in Kenanga considered Deparmental? Sorry for the noob questions ya.

Min. 10 times RM50 spending per transaction to "activate" the 10% rebate.