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

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fly126
post Sep 27 2016, 09:52 PM

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QUOTE(Sirius @ Sep 26 2016, 01:25 PM)
Any card/ cards suggestion for me? :-) Currently using HLB Wise, MBB 2 AMEX and OCBC GE card.  My monthly spending:

1. Annual Income: Above 50k

2. Free Lifetime Annual Fee: A Must / Able to waive off

3. Card required for:

Petrol: RM250
TNB: RM 100 ~ 150
Unifi: RM 160
Telco: RM80
Groceries: RM 300+ (Aeon or Tesco)
TnG: RM50
Insurance: RM730 (OCBC GE card)
My wise cash back = petrol 250 + telco 80 + Groceries 300 + tng = 680 :-)

4. Existing credit cards if any: MBB 2 AMex, HLB Wise, OCBC GE

5. Looking at CC from: No preference

6. Others: -
*
CIMB Cash Rebate Mastercard or MBB Ikhwan Mastercard
fly126
post Sep 27 2016, 11:53 PM

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QUOTE(kart @ Sep 27 2016, 10:14 PM)
Is there any suggestion for me?

I can replace UOB VOX Card with CIMB Cash Rebate MasterCard.

But, what about departmental spending (such as in Aeon Departmental)?
*
Maybe Citibank Cash Back Card or HLB Mach https://www.machbyhongleongbank.com/product...ch-credit-card/

Citibank CB / Platinum CC

Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20
Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70

Cash Back:
* 5% X for Petrol
- Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back
- Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat.

* 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi)
[Unlimited Monthly Rebates with t&c On, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back]

* 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin)
- Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back
- Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat.

* 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping]

* 0.2% X Cash Rebate for Others Spending [No Capping]

Note: Cash Back Platinum in BLUE

Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month.

https://www.citibank.com.my/global_docs/pdf/citicashback.pdf

This post has been edited by fly126: Oct 1 2016, 12:34 AM
fly126
post Sep 29 2016, 07:16 AM

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QUOTE(wjtai @ Sep 28 2016, 01:56 PM)
Thanks for the recommendation.
For TNB and telco, all require via standing instruction?
Pay at counter or machine is not eligible?

I saw someone comment that online payment for TNB through posonline or UOB websiite,
is it considerd in online category which will give us 5% cb?
UOB Yolo 6%? or both cards are not suitable for online TNB payment?

Citibank CB also 2% for telco, does it via standing instruction too?

Thanks.
*
Yup,
TNB and telco billing through standing instruction is ONLY the WAY to Earn 2% cash back. IF via POSonline using CIMB CR. effective cashback 2.88% = (CIMB CR's 5% minus POS online's 2.12% service fee).

(Not sure bcos quite a NEW card) blink.gif UOB YOLO maybe also can Use on POSline method to earn CB effective cashback 3.88% = (UOB YOLO's 6% minus POS online's 2.12% service fee)...? However, u got to spend at least min. RM500 /monthly to triggle 6% CB)
http://www1.uob.com.my/assets/pdf/tnc/YoloCard-tnc-eng.pdf

As Citibank CB 2% for telco Must Pay via Citibank Online to earn CB
https://www.citibank.com.my/global_docs/pdf/citicashback.pdf

This post has been edited by fly126: Sep 29 2016, 07:19 AM
fly126
post Sep 30 2016, 06:32 PM

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QUOTE(Belphegor @ Sep 30 2016, 05:35 PM)
1. Annual Income: above 45k

2. Free Lifetime Annual Fee: A Must / Able to waive off

3. Card required for:

Petrol - RM300
Phone Bill - RM50
Unifi - RM179
Makan - RM300
Movie - RM100++

Can't remember what I usually spend, but averagely should be over 1k per month.

4. Existing credit cards if any: The Combo Citi CC. Shell and Clear

5. Looking at CC from: No preference as long as fits my needs
*
i) Makan + Movie = HLB Mach
ii) Petrol + Phone bill (from which Telco..??? blink.gif ) = Convert your Shell card to Citibank CB Card or get CIMB CR Mastercard icon_idea.gif

This post has been edited by fly126: Sep 30 2016, 06:37 PM
fly126
post Oct 1 2016, 01:00 AM

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QUOTE(Belphegor @ Sep 30 2016, 07:25 PM)
Shell. But I don't mind Caltex. No petronas or BHP. I'm not sure if CB card can convert. Citi no AF for life?

CIMB CR Rebate maximum RM50 per month right?
*
Maybe can request for an UPGRADE icon_idea.gif
Citibank Cash Back Card

user posted image
This card can get CB on any Petrol & Rebate on Phone bill (Maxis, Digi) if Pay thru login Citibank Online + CB with Groceries, Pharmacies spend
https://forum.lowyat.net/index.php?showtopi...post&p=81879337

True of Citibank-Shell Card...
U got to Spend at Least RM$2500 a Month (Must Included $1700 on Others Spend + $800 on Shell Fuel) baru can Get 8% on Shell Fuel Rebate & You Only Can get 8% Rebate from the $800 Shell Fuel Spends Not All Based on Your Total Spending $2500 & If Less than RM300 Spending NO CB at ALL... doh.gif

Cash Rebate is On Tiers Based Like ie,
If the Cardmember's Monthly Total Spend falls under Tier 3, the Rebate on Shell Fuel Spend earned by the Principal Cardmember will be 8% of the Monthly Total Spend on Shell Fuel subject to the Maximum Shell Fuel Spend to Earn Rebates of RM800 only.

Tier MonthlyTotal Spend (Shell Fuel Spend + Non Shell Fuel Spend)Rebate on Shell Fuel SpendMaximum Shell Fuel Spend to Earn Rebates
1.RM300 to RM9994%RM250 x 4% = $10 CB
2.RM1,000 to RM2,4996%RM500 x 6% = $30 CB
3.RM2,500 and above8% RM800 x 8% = $64 CB

* For now on ONLY Choice Card is Lifetime Fee Waiver but try to request AF Waiver if their have charge for Other cards... nod.gif

CIMB Cash Rebate Mastercard bcos It's Free for Life is a GOOD CARD for Safe Keeping as Backup.
* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES)
* 2% CB for Petrol, Groceries
* 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month)
* 0.2% CB on Other Retail Spend
With Total Maximum CB capped at RM50/month

This post has been edited by fly126: Oct 1 2016, 08:36 AM
fly126
post Oct 1 2016, 02:18 AM

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Edited...

This post has been edited by fly126: Oct 1 2016, 02:28 AM
fly126
post Oct 3 2016, 12:12 AM

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QUOTE(payaluas @ Oct 2 2016, 06:39 PM)
Hi,

Annual income : above 60k

Free lifetime : A must

Islamic : A must

C. Card use for : balance transfer for 10k + oversea bussines trip

Problem : already applied few bank,s,  but reject.  Not sure why.  Commitment quite high.

Existing card : bank islam,  maybank

Please help me. Any agent also welcome to pm me.
*
How about HSBC Amanah MPower Platinum Credit Card-i, dah cuba belum...!? hmm.gif

user posted image

Now they having RM15,000 at 0% Interest Cash Instalment Plan for 15 months Promo for NEW Signup... icon_idea.gif
https://sp.hsbc.com.my/15k?WABFormEntryComm...YH_PWS_MAIN_10K

This post has been edited by fly126: Oct 4 2016, 01:00 AM
fly126
post Oct 4 2016, 10:13 PM

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QUOTE(drbone @ Oct 4 2016, 08:36 PM)
1. Annual Income: around 200K

2. Free Lifetime Annual Fee: A Must / Able to waive off

3. Card required for:

Petrol - above RM 500
TNB- above RM 600
Phone Bill - RM 200 (Celcom & Maxis)
Streamyx: RM 160
Makan - RM 500
Movie - RM 100
Groceries- like any typical family of 3-4
Wealth Insurance-RM 50K / yr

4. Existing credit cards if any: Maybankard 2 cards Platinum AMEX and MasterCard , CIMB Preferred MasterCard

5. Looking at CC from: As long as I can get maximum cash back

Any tips guys?
*
i) PBB Visa Signature- 6% Cash Back on Grocery, Dining and Online Transaction

ii) MBB Ikhwan Mastercard- 5% CB on Petrol, Groceries at Fri/Sat (you can Request Convert your M2C Plat. to This Card)

iii) SCB Just One Plat.- Up to 15% CB on Insurance, Utilities, via Auto Billing
» Click to show Spoiler - click again to hide... «

Also check on,
iv) HLB Mach- 10% CB on Movie, 5% CB on Dining Spend https://forum.lowyat.net/topic/2421215

v) HLB Fortune - 1% Unlimited Cashback but, need min. accumulation spending RM2000/month to qualify CB capped at RM 5000 with Max.$50 cash back + Up to RM1,800 extra Real Cash Earnings on your card's anniversary. But, If you X Achieve (RM2K /monthly) then the CB burn off
https://www.hlb.com.my/main/personal/cards/fortune-card

This post has been edited by fly126: Oct 5 2016, 10:19 AM
fly126
post Oct 4 2016, 10:22 PM

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QUOTE(johnyblaze87 @ Oct 4 2016, 09:55 PM)
1. Annual Income: >200k

2. Free Lifetime Annual Fee: A Must or can waived with min swipe

3. Card required for: Priority pass / loungekey / oversea spending / etc

4. Existing credit cards if any: HSBC visa signature and CIMB visa signature

5. Looking at CC from: Please advise
*
» Click to show Spoiler - click again to hide... «
fly126
post Oct 5 2016, 02:15 PM

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QUOTE(johnyblaze87 @ Oct 5 2016, 02:10 PM)
TQ for the advice bro.
1 more question, if you use your cc oversea, should we choose MYR or the local currency there like USD or EUR?
Which 1 is more cheaper for us?
*
chooseTheir own local currency.

This post has been edited by fly126: Oct 5 2016, 02:18 PM
fly126
post Oct 11 2016, 01:36 AM

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QUOTE(GloryKnight @ Oct 10 2016, 10:30 AM)
1. Annual Income: around 60k

2. Free Lifetime Annual Fee: A Must / Able to waive off

3. Card required for:
Uber: Rm150
TNB- above RM 600
Phone Bill - RM 100 max (DiGi)
Streamyx: RM 130
Groceries, dining etc: up to rm500

4. Existing credit cards if any (5 cards here looking to cancel some):
Maybankard 2 cards Amex Visa,
UOB Vox/PrivMiles
Aeon Big

5. Looking at CC from: As long as I can get maximum cash back and online purchases
*
i) CIMB Cash Rebate Mastercard
* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES)
However, IF pay your Bills via POSonline using CIMB CR. will get Effective cashback 2.88% = (CIMB CR's 5% Online Spend CB minus POS online's 2.12% service fee).

* 2% CB for Petrol, Groceries
* 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month)
* 0.2% CB on Other Retail Spend
With Total Maximum CB capped at RM50/month

ii) HLB Mach - 5% CB on Dining

QUOTE(Archmage Warlic @ Oct 10 2016, 06:28 PM)
Reposting due to lack of recommendations:

First time here, so please help me out a bit.

1. Annual Income: (basic pay + allowances, is this how I calculate it?) RM36K RM 50K to RM60K - I can apply for 2 cards, right?

2. Free Lifetime Annual Fee: A Must

3. Card(s) required for:
Groceries and apparel
Education (can I pay PTPTN loan with cards?)
Petrol (strictly Petronas and Shell only, preferring Petronas)
Bills

Would really prefer cards with cashback feature, as points have less liquidity, and are hard to keep track of or redeem.

4. Currently not holding any credit card

5. Not looking at any cards from any banks.
*
Same as Above + MBB Ikhwan Mastercard (5% CB Petrol, Groceries on Fri /Sat)

However, PTPN can Pay Over the Counter with CC at Selected PTPN Branch Only sweat.gif

This post has been edited by fly126: Oct 11 2016, 01:39 AM
fly126
post Oct 11 2016, 09:36 AM

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QUOTE(MG4 @ Oct 11 2016, 08:18 AM)
Sorry guys, posting again since no recommendations/missed out

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for:
Petrol = 300-400
TM & TNB & Astro = 200-300
Groceries = 250-350
Dining = 200-300
Shopping/Entertainment = 200-400

4. Existing credit cards if any: Nil

5. Looking at CC from: Any

6. Others : Prefer Cashback
*
CIMB Cash Rebate Mastercard or MBB Ikhwan Mastercard + HLB Mach

Pls, Check on the Post above Yours for Details...

This post has been edited by fly126: Oct 11 2016, 09:38 AM
fly126
post Oct 11 2016, 04:10 PM

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QUOTE(qeyaqilah @ Oct 11 2016, 03:56 PM)
1. Annual Income: RM48K

2. Free Lifetime Annual Fee: A Must / can be waived

3. Card required for:
Petrol = 250
Unifi = 150
Groceries = 300
Dining = 200
DiGi = 400

I worked next to Aeon Mall so I frequently go eat/shop for grocery there.
4. Existing credit cards if any: Nil

5. Looking at CC from: Any

6. Others : Prefer Cashback
*
CIMB Cash Rebate Mastercard or MBB Ikhwan Mastercard +. HLB Mach, pls Refer to Post #2507 for Details...
fly126
post Oct 17 2016, 09:18 PM

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QUOTE(drbone @ Oct 17 2016, 08:59 PM)
Reposting for further information:
1. Annual Income: reaching 200K

2. Free Lifetime Annual Fee: A Must / Able to waive off

3. Card required for:

Petrol - RM 700- RM 800
TNB- RM 800-RM 1000
Other utilities-RM 200
Phone Bill - RM 200 (Celcom & Maxis)
Streamyx: RM 160
Dining - RM 1000
Movie - RM 100
Groceries- like any typical family of 3-4, maybe about RM 1000
Wealth Insurance-RM 50K / yr which translates to RM 4166/month

4. Existing credit cards if any: Maybankard 2 cards Platinum AMEX and Visa, CIMB Preferred Visa Infinite, PB Visa Signature, MB Ikhwan Mastercard, RHB Premier Visa Infinite

5. Looking at CC from: As long as I can get maximum cash back, as of now I am able to max out the capped amount using PB Visa Signature and MB Ikhwan MasterCard . I am thinking about making use of benefiting from my HLA wealth insurance payment which is RM 50k/yr of RM 4166/month.

Any tips?
*
HLB Mach (5% CB Dining, 10% CB Movie)

HLB Fortune (Insurance) - 1% Unlimited Cashback but, need min. accumulation spending RM2000/month to qualify CB capped at RM 5000 with Max.$50 cash back, If you can NOT Achieve (RM2K /monthly) then the CB burn off https://www.hlb.com.my/main/personal/cards/fortune-card
fly126
post Oct 17 2016, 10:35 PM

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QUOTE(drbone @ Oct 17 2016, 10:29 PM)
So if I reach 5K/month for this card , would it be superior to PB VS and MB MasterCard Ikhwan?
*
Different Spending Range...
fly126
post Oct 17 2016, 10:45 PM

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QUOTE(drbone @ Oct 17 2016, 10:39 PM)
Ok which card would be beneficial then for insurance payment of 50k/yr? 😀
*
Currently, Nil...jz joking smile.gif

This post has been edited by fly126: Oct 17 2016, 10:52 PM
fly126
post Oct 24 2016, 09:41 PM

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QUOTE(yeah016 @ Oct 24 2016, 01:57 PM)
Hi All. Please advise. Thanks in advance.

1. Annual Income: RM50k~

2. Free Lifetime Annual Fee: free

3. Card required for: mainly for other retails spend

5. Looking at CC from: Need advice, previously using HLB essential but after TNC change to 0.6% cash rebate, I cut, look for any CC can replace..
*
I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism Max. CB Capped at $50 p.m https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend.

III) SCB Cashback Gold: 2 - 5% CB with min spend $500 https://www.sc.com/my/credit-cards/goldcard/gold-card.html

IV) OCBC 365 Mastercard: 1% CB on 1st RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending http://www.alliancebank.com.my/younique

This post has been edited by fly126: Nov 15 2016, 09:20 AM
fly126
post Oct 26 2016, 03:40 PM

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QUOTE(k3ithchong @ Oct 26 2016, 03:20 PM)
Hi all. Please recommend some suggestions. Any suggestions would be appreciated.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Free or minimum fee.

3. Card required for:
i) Petrol - RM200 per month (priority)
ii) Groceries (priority)
iii) Dining

4. Existing credit cards if any: Nil

5. Looking at CC from: Any

6. Others: Looking a petrol/groceries rebate card. Prefer for Shell & Caltex only.

Thanks in advance.
*
Maybank Ikhwan Mastercard - 5% Cash Back on Petrol & Groceries Spend at Fri/Sat
HLB Mach - 5% CB on Dining Spend
Others...
UOB One Card or Citibank Cash Back Card

This post has been edited by fly126: Oct 26 2016, 03:44 PM
fly126
post Oct 26 2016, 04:41 PM

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QUOTE(R1ochan @ Oct 26 2016, 04:04 PM)
1. Annual Income: 60K -70K

2. Free Lifetime Annual Fee: free

3. Card required for: mainly for Petrol, Groceries, Dining

4. Existing credit cards if any: MACH

5. Looking at CC from: -
*
Pls refer the post above yours with the Same Recommendation...
fly126
post Oct 26 2016, 06:05 PM

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QUOTE(al_madd @ Oct 26 2016, 06:02 PM)
Annual income :50-60k

Freelifetime annual fee:free

Card required for : discount to buy electronic from gemfive

Existing card:maybank mastercard ikhwan
Looking from :any
*
CIMB Cash Rebate Mastercard.
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