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

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victorywp
post Jul 28 2015, 04:38 PM

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QUOTE(am1031 @ Jul 28 2015, 11:17 AM)
Thank you for your recommendation

just check on PBB VS, seems the CB got cap at RM 60. https://ringgitplus.com/en/credit-card/Publ...-Signature.html if i spend 10k, also rm 60 although the 6% is high.

Anybody use Alliance bank credit card? https://www.alliancebank.com.my/CashBackRat...rs#platinum-tab I found this, does this mean if the spending >5001, will eligible for unlimited 2% cash back? if yes, then this is something not bad. any 1 can share?
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if you want straight forward and unlimited cashback, go for ocbc ge card.
first rm1k = 1%, subsequent 0.5%.
victorywp
post Jul 29 2015, 11:20 AM

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QUOTE(ronron @ Jul 28 2015, 07:03 PM)
have housing loan with PBB easier to success getting the PBB VS ? I have 2 house loan with PBB oh...
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yes, there are few successful cases already with one of them only earn 60k pa also got it.
victorywp
post Jul 29 2015, 11:28 AM

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QUOTE(ckuanglim @ Jul 28 2015, 04:22 PM)
1. Annual Income: RM36K to RM60K
2. Free Lifetime Annual Fee: A Must (or auto waived with condition)
3. Card required for: Petrol ~RM500, Groceries ~RM250, Dining ~RM300-600, and other. Cash Back is priority.

4. Existing credit cards if any:
HLB Wise for petrol, dining & mobile to get 10% cash back.
Standard Chartered Visa Gold for insurance.
Citibank Cash Back, UOB ONE, OCBC Ti, for dining and other.
My partner has Maybank2Card and UOB Lady.

5. Looking at CC from: Maybank Islamic MasterCard Ikhwan, HSBC Amanah MPower Visa Platinum, CIMB Cash Rebate Platinum, or any suggestion
6. Others: I am looking for credit card with high cash back to replace OCBC Ti and Maybank2Card.
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mbb ikhwan for your grocery part. i see you already have sufficient cards to cover your other categories like petrol and dining.
victorywp
post Jul 29 2015, 11:30 AM

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QUOTE(Khrlzmn @ Jul 28 2015, 06:33 PM)
1. Annual Income: RM 32k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Mostly for petrol and shopping

4. Existing credit cards if any: No

5. Looking at CC from: Any bank that can give best advantage (cashback or point)

Looking for my first CC,,,,,,,,
Thank you for the help
*
uob one, mbb ikhwan, cimb cr plat.
victorywp
post Jul 29 2015, 03:51 PM

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QUOTE(knight @ Jul 29 2015, 02:03 PM)
Hi, can anyone intro me credit card I should get as my second card?

1. Annual Income: Below RM 60k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol and/or Restaurant and/or Shopping. (Prefer Cash rebate)

4. Existing credit cards if any: Hong Leong Wise card (I oledi on the max I can rebate so I want to get another card to get more benefits)

5. Looking at CC from: prefer cash back, if not point also ok. Any bank. No restriction like only can use during weekend.

Anyone know a good card that can goes well with my HLB Wise??
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uob one
victorywp
post Jul 30 2015, 10:49 AM

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QUOTE(ckuanglim @ Jul 30 2015, 10:02 AM)
UOB One charge annual fee, right?
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can be waived.

QUOTE(hafizhans @ Jul 30 2015, 10:26 AM)
cimb cr plat annual 60k right?
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now it's reduced to 24k.
victorywp
post Jul 30 2015, 11:45 PM

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QUOTE(mgb @ Jul 30 2015, 10:41 AM)
Since amex benefits got screwed, and ocbc titanium as well, and I got rejected for the ikhwan card, seriously need other card(s) for my usage.

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Yes.

3. Card required for: Petrol rm400/mth, groceries 500/mth (maybe more depends), dining weekdays & weekends, online purchases once in a while, insurance/mobile/utillities, misc stuff..

4. Existing credit cards if any: M2 Amex, OCBC Tit

5. Looking at CC from: Citibank? CIMB? Uob? Not so sure..

6. Others: Please be specific.
Total spending monthly roughly average 2k. Can be more or less depends.

Please help sad.gif
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get hlb wise for petrol/grocery, and get aeon watami for dining/online/insurance/mobile/utilities/misc/etc.
victorywp
post Aug 1 2015, 04:16 AM

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QUOTE(echoesian @ Jul 31 2015, 09:53 PM)
What is the alternative replacement card for the MBB 2 AMEX now?
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mbb ikhwan
victorywp
post Aug 2 2015, 08:58 AM

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QUOTE(zamnrul @ Aug 2 2015, 04:52 AM)
tq fruitie

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: RM26K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol,Phone Bill, Food and shopping

4. Existing credit cards if any: Yes evo card by rhb

5. Looking at CC from: Public bank/ambank or cimb please suggest

6. Others:
*
*
cimb cr plat
victorywp
post Aug 2 2015, 08:58 AM

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QUOTE(zamnrul @ Aug 2 2015, 04:52 AM)
tq fruitie

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: RM26K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol,Phone Bill, Food and shopping

4. Existing credit cards if any: Yes evo card by rhb

5. Looking at CC from: Public bank/ambank or cimb please suggest

6. Others:
*
*
cimb cr plat
victorywp
post Aug 2 2015, 02:04 PM

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QUOTE(jutamind @ Aug 2 2015, 01:15 PM)
Looking for recommended card based on the info below:

1. Annual Income: > 100k p.a.

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash rebates for for online transactions such as hotel/flight booking, e-commerce, insurance, bill payments etc

4. Existing credit cards if any: HLB Wise and Aeon Watami (both max out cash rebate), Maybank 2 Card (going to cancel soon)

5. Looking at CC from: any bank

6. Others: Applied for Public VS but rejected
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cimb cr plat or uob vox or ocbc ge card.
victorywp
post Aug 2 2015, 11:18 PM

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QUOTE(Ramjade @ Aug 2 2015, 09:47 PM)
Hi,

Alcohol is no problem. As they track based on MCC code. So eg, if you buy alcohol in Tesco, it will go through and count as groceries.  tongue.gif  biggrin.gif

Weekday petrol - MB VS,  HLB Wise, CIMB CR
Digi and TNB - HLB Wise, PBB VS Aeon Watami (must spend RM3000 in 4 months to get cashback)
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fyi, alcohol/pork/non-halal items were usually separated at different section in a hypermarket. although it's all tagged under grocery category, but it shows as non-halal in your receipt. it depends on mbb islamic to take action or not.
victorywp
post Aug 3 2015, 11:08 PM

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QUOTE(Ramjade @ Aug 3 2015, 02:14 PM)
Yes CB only if >=RM50. Swipe a month to avoid AF. smile.gif
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if you don't have anything to swipe but don't want to pay the rm6.36, just swipe 1 cent at petrol station on the last day of the month. although that 1 cent don't get you any significant petrol, but it does save you rm6.35 brows.gif
victorywp
post Aug 5 2015, 08:58 AM

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QUOTE(Are_NeeF @ Aug 5 2015, 08:17 AM)
1. Annual Income: RM40K

2. Free Lifetime Annual Fee: yes

3. Card required for: petrol,groceries, utilities

4. Existing credit cards if any: 0

5. Looking at CC from: prefer islamic CC from any bank...

6. Others: Please be specific. Fresh graduate

thanks siiifuuuuuu...
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if you prefer islamic bank, then the best for you will be mbb ikhwan 5% on friday and saturday for petrol and grocery.
victorywp
post Aug 5 2015, 09:24 PM

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QUOTE(yyie @ Aug 5 2015, 07:15 PM)
1. Annual Income: -

2. Free Lifetime Annual Fee: Any

3. Card required for: Foreign currency transactions

4. Existing credit cards if any: m2 amex, HL Wise, UOB One Card

5. Looking at CC from: CIMB Cash Rebate

6. Others: Looking at a credit card that allow me to get cashback/max benefit from overseas transaction.

notworthy.gif
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any aeon cc will do.
victorywp
post Aug 10 2015, 12:06 AM

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QUOTE(weichai @ Aug 9 2015, 10:00 PM)
1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: cash back (or reward point if it is worth)
Petrol rm300++
Insurance rm450
Grocery rm180++
Tnb rm130++
Unifi rm159
Dining rm60++
Telco rm38
Other retail rm100++

4. Existing credit cards if any: Maybank2 cards, ocbc GE, UOB one card, alliance platinum card, HSBC gold card, Hong Leong gsc card.

5. Looking at CC from: don't know

6. Others: please recommend card.
if can,pls suggest which card can terminate also. Wish to use 2 cards if possible.

Thanks
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if 2 cards, use uob one for petrol and get aeon watami for all others. so all other cc you may cancel.
victorywp
post Aug 16 2015, 10:22 PM

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QUOTE(seiken @ Aug 16 2015, 08:42 PM)
1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol Cash Back, online shopping, occasional weekend dining, insurance and broadband+postpaid bills

4. Existing credit cards if any: Citibank clear card and citibank cash back platinum

5. Looking at CC from: I need help on this lol

6. Others: my job makes it hard for me to monitor my spending properly. However I do always manage to settle my credit card on time.

Thanks!
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pbb vs
victorywp
post Aug 17 2015, 07:07 AM

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QUOTE(seiken @ Aug 17 2015, 12:02 AM)
Cannot...my annual income is only around 70-80k
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then you shouldn't put 60k-100k.
anyway, you have some choices depending of your monthly expenses in each category. you need to check your priority to maximise your cashback.
mbb ikhwan, cimb cr plat = af free for life
uob one, aeon watami = af can be waived
hlb wise = af covered by high cashback
victorywp
post Aug 17 2015, 10:54 AM

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QUOTE(fruitie @ Aug 17 2015, 10:36 AM)
Can't blame him la. That's the range given in second post. doh.gif
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you must have missed out something?

i replied pbb vs to his first post when he put 60k-100k. second post only he said 70k-80k. lol...

This post has been edited by victorywp: Aug 17 2015, 10:54 AM
victorywp
post Aug 17 2015, 12:58 PM

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QUOTE(fruitie @ Aug 17 2015, 11:00 AM)
You were the one missed it. doh.gif
Let me rephrase, he did nothing wrong. This is based on second post template, the range is from 60k-100k. He jut put it. 70k-80k also within 60k-100k right?
How would he know so much of things?
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lol, now only i get what you mean.

you said "second post" was referring to this thread's second post, and not his second post. biggrin.gif

ok ok, uncle admit wrong. blush.gif

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