i) OCBC 365 MasterCard (Annual Fee RM 106 p.a)
ii) OCBC Great Eastern MasterCard (Free for Life, Open for GE Insurance Policyholder only)
* No cap on rebates
* 1% rebate on first monthly spend of RM1,000
* 0.5% rebate on subsequent spend above RM1,000

This post has been edited by fly126: Jul 18 2016, 12:12 AM

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income:60K-100k

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: oversea currency for online purchase / airline purchase offer

4. Existing credit cards if any: a lot

5. Looking at CC from:any

6. Others:points or cash back also ok

By filling up the above, then others can make suggestion based on your needs. Actually, if you list out item 3, you yourself would most probably have answered your question above.


If you are really clueless on credit cards but at the same time want to own the Best Credit Card in Malaysia, click the link below and you'll be taught as to how you can optimize the returns from your credit card transactions by owning the best credit card to suit your spending pattern:
Thank

If your annual income is 100k then can apply for PBB Visa Signature.

Else stick to CIMB CR for your online purchases and UOB VOX for flight tickets + online purchases.

Check out both CIMB and UOB threads for further information.

Basicly not any credit card that provide oversea currency more reward?
This
PBB VS
Cimb cash back
Uob vox
also apply to RM

CIMB Cash Back CR has lower exchange rate.

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Preferable

3. Card required for: Online purchase. Flight ticket purchase(90% AirAsia & 10% International)

4. Existing credit cards if any: Maybank Ikhwan Visa & Amex Plat

5. Looking at CC from: No preference. Cash Advance is a must.

6. Others: Prefer cashback over points.

Note: I saw Bank Simpanan Nasional(BSN) heavily marketed their CC at my area. Not sure why I couldn't find any discussion regarding BSN CC in LYN. No good?

For online purchased, you may look for
- Public Bank Visa Signature
- UOB VOX Card

Yes, nothing interesting on BSN cards except for its not-too-bad Balance Transfer rate.

You are only asking for trouble if you apply CC for cash advance. Interest is counted on daily basis, all the best to you.
None of us here applies a credit card for cash advance purpose, don't work for banks. We apply for convenience and at the same time enjoy some cash back and reward points. Definitely not for cash advance. Also please pay in full all the time.

This post has been edited by fruitie: Jul 19 2016, 12:04 PM

This post has been edited by petirbuas: Jul 19 2016, 02:21 PM

Good for you. Good luck for that. Hope you will not dig the hole deeper.
To answer to your query, all cards have cash advances features but not sure of the interest since it doesn't attract us.

This post has been edited by fruitie: Jul 19 2016, 02:25 PM

1. Annual Income: RM30K-60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Dining(about 500 per month), Insurance Premium(2.5k p.a), Petrol(<200 per month)

4. Existing credit cards if any: None

5. Looking at CC from: Any

6. Others: Cashback preferable

Dining - HLB MACH
Insurance - If it is Great Eastern insurance, then can apply OCBC Great Eastern MasterCard.
Petrol - Maybank Ikhwan MasterCard

If annual salary is RM 36k and below, you can only apply for two issuing banks' cards.

How to apply for OCBC GE CC? It was written on OCBC website that we need to be invited to apply the card.

Huh? Invited? I got mine though because I'm a GE user.
These days changed again?

Sorry, wrong info, checked the website again, nothing written about application by invitation again. But i remembered last time i came across about the invitation thingy before. Anyway, will try and apply for it. Thanks for your suggestion!

Only for Great Eastern insurance holders, are you? Then, you can apply.

Yes I am

Hi,

1. Annual Income:50K-60k

2. Free Lifetime Annual Fee: Must , or alternatively the one with the lowest minimum spend per month to qualify.

3. Card required for: usually petrol, groceries, toiletries.

4. Existing credit cards if any: currently none .. had Citibank Visa a very long time ago.

5. Looking at CC from: RHB .. but don't like the annual fee

6. Others:points or cash back also ok

Others:
I always pay the monthly bill in full - no rolling.

Also, I want to be able to pay the card bill online from my RHB account.


Appreciate a recommendation. Thanks.

Maybank Ikhwan MasterCard.

Any banks also can be paid with RHB online banking, just use GIRO transfer, RM 0.11. So, it is not an issue at all to make payments to any credit card.

any latest promotion for new card holder. understand that HSBC provide 0% balance transfer.