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

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mentalkronik
post Jun 7 2016, 01:45 AM

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QUOTE(fly126 @ Jun 6 2016, 11:53 AM)
UOB Vox- 5%CB, It's Good for Online Spend,  pay  Utilities bill thru UOB Payonline.
(MUST with a minimum spend of RM50 in a single receipt/transaction).
- Capped at RM1,000 per month & Monthly Fee (RM6.36) will be Waived with 1x Swipe/month.
*
Thanks mr flyguy
sujend
post Jun 7 2016, 02:35 PM

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1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: List all your needs. Petrol and Touch N Go ( Spending approx 800 on this stuff)

4. Existing credit cards if any: None

5. Looking at CC from: With good cash back scheme (no capped amount)

6. Others: Enjoy dining out/drinks on weekends too
j3ffrey
post Jun 7 2016, 08:57 PM

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QUOTE(fruitie @ Jun 6 2016, 11:11 PM)
But take note it doesn't give 5% cash rebate for bills payments if you intend to do that. Just pure online transactions, like online shopping, yes.
*
like those taobao , lazada , all ok right ? ya, am looking for online shopping cash back card.. hehe thanks
fruitie
post Jun 7 2016, 09:33 PM

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QUOTE(j3ffrey @ Jun 7 2016, 08:57 PM)
like those taobao , lazada , all ok right ? ya, am looking for online shopping cash back card.. hehe thanks
*
Yes.
akib_mullen
post Jun 7 2016, 10:21 PM

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Any maybank application booth open around johor? Or straight go branch better?
fruitie
post Jun 7 2016, 10:56 PM

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QUOTE(akib_mullen @ Jun 7 2016, 10:21 PM)
Any maybank application booth open around johor? Or straight go branch better?
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Yes, just walk in.
If you have M2U, then can apply online.
j3ffrey
post Jun 7 2016, 11:08 PM

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QUOTE(fruitie @ Jun 7 2016, 09:33 PM)
Yes.
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Thanks notworthy.gif notworthy.gif
harryleong
post Jun 8 2016, 02:54 PM

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1. Annual Income: 30k

2. Free Lifetime Annual Fee: If possible?

3. Card required for: Petrol monthly(RM400), groceries shopping, food and beverages.

4. Existing credit cards if any: No

5. Looking at CC from: Friends recommend me to apply Citibank.

6. Others: I wanted to apply credit card is because I can use it when I pump petrol, When i go to groceries shopping when i didn't brought enough cash. When emergency cases when my ATM cards cannot be use or when nearby ATM spoil. So I'm looking for a CC that can benefit me abit.

Thanks!
fruitie
post Jun 8 2016, 03:32 PM

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QUOTE(harryleong @ Jun 8 2016, 02:54 PM)
1. Annual Income: 30k

2. Free Lifetime Annual Fee: If possible?

3. Card required for: Petrol monthly(RM400), groceries shopping, food and beverages.

4. Existing credit cards if any: No

5. Looking at CC from: Friends recommend me to apply Citibank.

6. Others: I wanted to apply credit card is because I can use it when I pump petrol, When i go to groceries shopping when i didn't brought enough cash. When emergency cases when my ATM cards cannot be use or when nearby ATM spoil. So I'm looking for a CC that can benefit me abit.

Thanks!
*
Maybank Ikhwan MasterCard for petrol and groceries and Hong Leong MACH for dining.
harryleong
post Jun 8 2016, 05:38 PM

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QUOTE(fruitie @ Jun 8 2016, 03:32 PM)
Maybank Ikhwan MasterCard for petrol and groceries and Hong Leong MACH for dining.
*
Thanks! But i only want to apply one card. Which you recommend best?
fruitie
post Jun 8 2016, 05:49 PM

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QUOTE(harryleong @ Jun 8 2016, 05:38 PM)
Thanks! But i only want to apply one card. Which you recommend best?
*
Both different purposes. You have to apply two if you want your requirements fulfilled.
harryleong
post Jun 8 2016, 10:38 PM

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QUOTE(fruitie @ Jun 8 2016, 05:49 PM)
Both different purposes. You have to apply two if you want your requirements fulfilled.
*
Thanks! I guess im more into HLB Mach.
fruitie
post Jun 8 2016, 10:39 PM

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QUOTE(harryleong @ Jun 8 2016, 10:38 PM)
Thanks! I guess im more into HLB Mach.
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What is the reason you don't want to go for two cards? sweat.gif
sj0217
post Jun 8 2016, 11:11 PM

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QUOTE(harryleong @ Jun 8 2016, 02:54 PM)
1. Annual Income: 30k

2. Free Lifetime Annual Fee: If possible?

3. Card required for: Petrol monthly(RM400), groceries shopping, food and beverages.

4. Existing credit cards if any: No

5. Looking at CC from: Friends recommend me to apply Citibank.

6. Others: I wanted to apply credit card is because I can use it when I pump petrol, When i go to groceries shopping when i didn't brought enough cash. When emergency cases when my ATM cards cannot be use or when nearby ATM spoil. So I'm looking for a CC that can benefit me abit.

Thanks!
*
QUOTE(harryleong @ Jun 8 2016, 05:38 PM)
Thanks! But i only want to apply one card. Which you recommend best?
*
Since you looking for one credit card if possible for all rebate, how about CIMB Cash Rebate Platinum MasterCard ?

Rebate for all your spending items
- Petrol = 2%
- Groceries - 2%
- Food/beverages = 0.2%

And annual fee: Waived, refer HERE
harryleong
post Jun 9 2016, 01:21 AM

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QUOTE(fruitie @ Jun 8 2016, 10:39 PM)
What is the reason you don't want to go for two cards? sweat.gif
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I dont know, its just that i feel its abit over for owning two CC at a time and it's my first CC. Im afraid i don't swipe the minimum and got charged.

QUOTE(sj0217 @ Jun 8 2016, 11:11 PM)
Since you looking for one credit card if possible for all rebate, how about CIMB Cash Rebate Platinum MasterCard ?

Rebate for all your spending items
- Petrol = 2%
- Groceries - 2%
- Food/beverages = 0.2%

And annual fee: Waived, refer HERE
*
Thanks! Will check it out.

fruitie
post Jun 9 2016, 01:21 AM

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QUOTE(harryleong @ Jun 9 2016, 01:21 AM)
I dont know, its just that i feel its abit over for owning two CC at a time and it's my first CC. Im afraid i don't swipe the minimum and got charged.
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No such thing.
chuckiee
post Jun 9 2016, 05:50 PM

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1. Annual Income: Above 60k

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: Cash Back/Petrol/Online Shopping/Online Bills

4. Existing credit cards if any: HLB Fortune & Citibank Cashback Platinum(going to cancel this as they do not want to waive my annual fees this year)

5. Looking at CC from: nil

6. Others: Looking for better cash back as coming months will need to spend alot for new house.
fly126
post Jun 9 2016, 08:15 PM

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QUOTE(chuckiee @ Jun 9 2016, 05:50 PM)
1. Annual Income: Above 60k

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: Cash Back/Petrol/Online Shopping/Online Bills

4. Existing credit cards if any: HLB Fortune & Citibank Cashback Platinum(going to cancel this as they do not want to waive my annual fees this year)

5. Looking at CC from: nil

6. Others: Looking for better cash back as coming months will need to spend alot for new house.
*
May Add-on HLB Essential to your List since you got HLB Fortune... icon_idea.gif

ii) And, apply UOB Vox - 5%CB, It's Good for Online Spend, pay Utilities bill thru UOB Payonline. (MUST with a minimum spend of RM50 in a single receipt/transaction).
- Capped at RM1,000 Spend with Max $50 CB per month & Monthly Fee (RM6.36) will be Waived with 1x Swipe/month

iii) Consider to get SCB Cash Back Gold, Enjoy up to 5% CB per month for your retail spends. https://www.sc.com/my/credit-cards/goldcard/gold-card.html

iv) Have a Free for Life MBB Ikhwan Mastercard with 5% CB for Petrol, Groceries on Fri, Sat. Then, you can Cut your Citibank CB Plat. whistling.gif

The END. innocent.gif

This post has been edited by fly126: Jun 10 2016, 12:49 AM
mr_base
post Jun 10 2016, 06:42 PM

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Joined: May 2010
1. Annual Income: 60k - 80k

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: (i) Cash Back/Petrol
(ii) Pay Online for Bills, Utilities, House Installment, Insurance
(iii) Plan to buy furniture & home appliances (via EPP) + do renovation for new house at end of this year
(iv) Others online/ normal transactions (dining, shopping etc)

4. Existing credit cards if any: Maybank Ikhwan Mastercard

5. Looking at CC from: Any (Islamic)

6. Others: Cash Back/Rebate/Points
fruitie
post Jun 10 2016, 08:34 PM

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QUOTE(mr_base @ Jun 10 2016, 06:42 PM)
1. Annual Income: 60k - 80k

2. Free Lifetime Annual Fee: Yes/Minimum swipes

3. Card required for: (i) Cash Back/Petrol
                              (ii) Pay Online for Bills, Utilities, House Installment, Insurance
                              (iii) Plan to buy furniture & home appliances (via EPP) + do renovation for new house at end of this year
                              (iv) Others online/ normal transactions (dining, shopping etc)

4. Existing credit cards if any: Maybank Ikhwan Mastercard

5. Looking at CC from: Any (Islamic)

6. Others: Cash Back/Rebate/Points
*
Online Bills, Utilities: UOB VOX

Others, I let others to introduce because general CC cash back is just too little for me, so I only use my AmEx for TP and OCBC GE Plat.

By the way, you cannot pay house installment with credit cards.

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