Hi there, thanks for the recommendation. I'm trying to avoid having too many cards for now, but UOB One Card Classic seems pretty attractive. Mind to justify why you pick that over this? FYI, my petrol consumption is around RM250-RM300 per month so UOB is still in range.

UOB One has Annual Fees which you are not willing to pay, aren't you?
Maybank Ikhwan MasterCard is free AF, 5% cash back for petrol and groceries on Fridays and Saturdays.

They are currently having UOB CC Booth in 1Utama, which I came across yesterday.

The person there say first year is free, 2nd year onwards with 12 swipes will automatically waive the annual fee but I don't read this anywhere in the T&C. Is this even possible actually, if I did not initiate the request to waive?

This post has been edited by tankt_92: May 14 2016, 10:10 AM

Well, get black and white from the fellow. He can promise you everything but you may end up paying AF from second year onward. Usually first year is waived but not from second year onward.

Last I heard one needs to spend 60k per annum to get it waived but that's for UOB One Plat, no more such thing as 12x swipes and etc. So, if you apply for it, try calling them for waiver when AF kicks in later, still subject to bank's approval.

My colleague didn't manage to get her UOB Lady's Card AF waived recently.

This post has been edited by fruitie: May 14 2016, 10:18 AM

Ok thanks, will go to him to check it out later and will also consider your suggestion on MBB Gold Card Ikhwan.

There are two types of Ikhwan, make sure you choose MasterCard and not VISA. VISA is Petronas Ikhwan for TP only.

Which credit card are the best for cashback for high telecommunications category spending (which is not from the big 4:maxis,digi,Celcom,umobile) e.g.redone,tune talk?

I don't think got any of it...

If can pay online, try VOX.

1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: If yes, better. If not, that's okay as I can cancel if they don't waive.

3. Card required for: Going to do house renovation and buying lots of house furniture. Need to see which card has the best return (cash back or points)

4. Existing credit cards if any: HLB Wise, PBB VS and Maybankard 2

5. Looking at CC from: None yet.

6. Others: Doesn't have to be long term card.

Thanks!

i) HLB Essential, since U got HLB Wise can try Request for Additional Card.
ii) Alliance You:nique Card

iii) SCB Cash back Gold

iv) RHB Business Plat.

https://forum.lowyat.net/index.php?act=ST&f...post&p=79717613


This post has been edited by fly126: May 15 2016, 01:18 PM

Generic purpose card like HLB Fortune can be considered, too. But it's only good if you have more than 2K expenses per month.

Thanks!

Hi All, I got 4 credit card now but i only plan to left 2, the purpose that i applied so many card previous is to purchase new home furniture with installment. There is still some outstanding balance inside but not an issue, i can clear or balance transfer to the remaining card. But please recommend me which 2 card is worth to kept.

Current cards i have :
1. HongLeong Mach Card
2. Aeon Gold Master Card
3. UOB One
4. Maybank Islamic Platinum Card

Normally i used to Balance transfer or doing installment for some electronic or home appliance. Or other than that will be only used for petrol or retail shopping, hardly used for dinner / movie / entertainment... Isn't wise to use credit card to paid for house installment or car installment? Any benefit to do so? I never tried

Would suggest you keep the first 2.

You can't pay car and house installment with credit cards.

Is your Maybank card the Maybank Ikhwan MasterCard?

I would suggest Convert (4) to Maybank Ikhwan MasterCard for your petrol and groceries, keep (2) for PPL Privileges then Potong no. (1), (3).
Since U seldom utilize HLB Mach on Movie/ Dining & MBB Islamic Ikhwan Mastercard a Lifetime's fee Waiver CC already can cover ALL Your Petrol, Groceries Expenses there's No longer need of UOB One (got to Pay the AF) ...

This post has been edited by fly126: May 17 2016, 10:56 AM

I checked through Maybank2u, my card is Visa Ikhwan Platinum.

Reference Link from Maybank Credit Card

This post has been edited by fool1988: May 17 2016, 11:19 AM

Just Convert your Ikhwan Visa Plat. to MBB Ikhwan Mastercard Plat. to enjoy Petrol, Groceries CB...!

http://www.maybank2u.com.my/WebBank/Conversion_new09.pdf

This post has been edited by fly126: May 17 2016, 11:26 AM

Hi Bro, what the different for my current Ikhwan Visa and Ikhwan Mastercard?

I now using --> Maybank Islamic PETRONAS Ikhwan Visa Platinium Card-iMaybank Islamic PETRONAS Ikhwan Visa Platinum Card-i

This post has been edited by fool1988: May 17 2016, 11:53 AM