Any merchant that fulfilled their MCC code.

Jusco / Aeon supermarket = 5% rebate.

Jusco / Aeon departmental = No 5% rebate.

Ez payment 0% mostly for 12 months only.

How to recommend to you?

Citibank can forget it. Hardly will approve without 1 year record of holding another card.

MBB Premier limit can be "tailor-made" to suit your spending.

You should get around 20k~30k at least, if your salary does qualify.

Signatures limit is around 20k at least, and an Infinite is around 30k.

Premier should be around that range.

CIMB can't call in to convert for installment.

So either he has to swipe the merchant that offers 0% EPP or he won't have the chance to do EPP

Not many merchant offers 0% for CIMB thou.

Tiffany and Co is the only 1 I remembered having 0% EPP

Means get a credit card with low limit?

If you bother to read my reply, I already mentioned that it's nearly impossible to get approved on a Citibank card without a 1 year record of holding another card.

Basing solely on your salary, you can get UOB One, HLB Mach, CIMB CR Mastercard and Aeon card.

Their benefits and perks, please head to respective threads and read up.

Yes, there are plenty of differences.

Wise can offer up to 10% CB while Mach can't do the same.

Wise's AF is almost impossible to waive after 2 years, Mach one can waive if you use it.

As for HSBC, never bothered with their card since it's not really beneficial to my spending.

If your salary below 36k, your limit is usually x2 of your salary.

So, I dun think can go any lower already

Large car dealers ( Merc / BMW and those accepts CC for downpayment or deposit )

Helped my friend swiped once in order to reach my 50k target for Signatures.

No problem at all.

Even house downpayment can pay with credit card nowadays.

Just need to know how to nego.

Online shopping - CIMB

Dining promotion - CIMB / MBB

Mall shopping - Neither since MBB removed it's CB except for dining and CIMB is mostly for online and etc.

Petrol - MBB Ikhwan - 5% on friday & Saturday. 2% every day with CIMB CR. No CR for M2C

It has plenty of promotion, if that's your fancy?

Yes, if you are mostly using it for online transaction, it's good enough.

5x Treat points / 5% dining CB on weekends

Inside KLCC, opposite Wendy's

Got hidden term and condition.

Need to spend a certain amount before can get CB.

And as for how cashback works -

You use a certain amount, and then at the end of the month, you'll get some reduction of the total sum used.

Means you need to spend 3k per month.

And yes, CB is capped at 50 per month only.

Means you need to spend 3k per month.

And yes, CB is capped at 50 per month only.

Thou gotta say, the MBB workers at 1U Card center damn rude.

I pretended not to have a Signatures and asked about the revised limit to 70k recently.

She just dismissed me by saying my salary not enough to apply or one

If only she bothered to check my IC....

I think I got near 100,000 TPs for my Amex cards.

Thou I must admit, my spending with this card is seriously reduced since the revision.

Best BT is Aeon Watami card already.

Citibank pretty much useless nowadays.

They offered, but there was never an option to sign up for SI when someone went to Kedai Tenaga last time around

1. Annual Income: N/A

2. Free Lifetime Annual Fee: Does not matter.

3. Card required for: Air Miles Conversion.

4. Existing credit cards if any: None that has anything to do with air miles.

5. Looking at CC from: MBB Visa Infinite/ Premier / Mastercard World / Etc

6. Others: Best conversion to air miles / PPL entry overseas if possible / Oversea spending.

Saw MBB Premier that comes with an Amex Reserve, MBB VI which is a product on it's own and MBB Mastercard World which has evergreen Air Miles compared to the previous 2 which have 3 years validity.

Which one would be better in terms of overspend spending and Air Miles conversion. Got a little confused with their products :/

Open to other bank's card if the conversion rates are better / better perks compared to MBB and etc.

Thanks.

This post has been edited by chiahau: Nov 16 2015, 12:03 PM

Friday Saturday only.

Only cards that rewards cashback for daily petrol and groceries for MBB = MBB Visa Signatures.

This post has been edited by chiahau: Nov 30 2015, 09:08 AM

40k points can change to MYR 100, not RM 50.

As for reward cards, I usually find them a little misleading. Unless you are a uber high spender ( but there are definitely other cards which are better in terms of accruing points for rewards )

Always believe that cashback is better over reward points but if you feel that you can maximize the HSBC card, go ahead.

Maybank 2 Premier Card ( In terms of exchange rates and spending to convert to enrich miles )

Other banks could be better thou. Just that I don't use their products.

Depending on your usage....

Best cards always will have terms and conditions, if you want to utilize it, you gotta be flexible a little