if 2 cards, use uob one for petrol and get aeon watami for all others. so all other cc you may cancel.

Hi victorywp,

Thanks for the recommendation.

Sorry, if 3 cards, is it have another card combination for my usage?
Thanks

If you earn rm100k, you can apply for maybank vs and public bank vs.

Or you can consider hlb wise gold for telco, TNB, petrol. Hlb CB needs swipe min Rm50x10 times
Maybank ikhwan for groceries as maybank CB condition is only swipe on Fri and sat.
Can consider uob vox for unif pay at TM page.
If insurance, dont know.

For VOX to pay UniFi is still unverified yet, suggest not to recommend things which are not confirmed yet. So far verified is for Streamyx but not UniFi.

For insurance, can try Aeon Watami.

One forummer called up CS and they told him to get 5% pay through TM page.

I'll prefer to try and verify rather than taking words of CS.
Sometimes I think we are more well-informed than the CS.

1. Annual Income: RM40K

2. Free Lifetime Annual Fee: Preferably yes.

3. Card required for: bill e.g astro , TNB, Water, unifi, streamyx, assessment fee

4. Existing credit cards if any: MM2Card , hong leong essential.

5. Looking at CC from: recommend me

6. Others: Please be specific. -

This post has been edited by yeah016: Aug 10 2015, 08:06 PM

1. Annual Income: 30K, not enough to 36K

2. Free Lifetime Annual Fee: prefer free, or auto waiver with easy condition

3. Card required for: Petrol, gorcery, random purchases (dining, airlines, hotel)

4. Existing credit cards if any: MBB2card, OCBC blue card

5. Looking at CC from: AEON gold (not sure if AF is waivable), CIMB cash rebate (rejected me twice before getting OCBC)

6. Others: As my income not enough 36K, i believe only can hold 2 cards. Not sure which card to cut though if i change card.

Current spending on:

MBB : ~500 /mo
OCBC: ~ 300 /mo

Even if you cut, might take some time for the banks to update your central database record.

personally, ocbc quite useless for me so I'd choose to cut that

Convert your maybank to Ikhwan for petrol + groceries and go get cimb if possible.

Just went to maybank to convert, but they don't let me to cause im having IPP in my MBB

Just check, my OCBC is GE, not blue card. But still.... don't know why just feel that CIMB is damn hard to apply for the cash rebate card

1. Annual Income: RMxxxK

2. Free Lifetime Annual Fee: yes.

3. Card required for: lounge, backup

4. Existing credit cards if any: Maybank 2 Card.

5. Looking at CC from: PB Infinite

6. Others: Please be specific. - free for life, no min swipes

Anyone could help me to recommended cc to me?

1. Annual Income: RM40K

2. Free Lifetime Annual Fee: Preferably yes.

3. Card required for: bill e.g astro , TNB, Water, unifi, streamyx, assessment fee

4. Existing credit cards if any: MM2Card , hong leong essential.

5. Looking at CC from: recommend me

6. Others: Please be specific. -

HLB Wise if you can manage your spending well.

I nid a replacement card to pay Utilities bill online with rebates, without standing instruction..

Now no more Amex.. I pay for TNB, TM Celcom all without rebates ady..

Any suggestion CC to replace it?

I'm lost..

Existing credit card: M2Card, CIMB Cash Back..

HLB Wise.

Can someone advise if i can get a credit card in malaysia with foreign proof of income please? I like to build my credir record and I am Malaysian.

yes, head straight to hong leong bank if you want unsecured credit. they have just approved mine, much to my surprise, when other banks have been rejecting.

or you can get credit cards by using fixed deposits as collateral.

Thank you. Did you have to show payslip etc?

To enjoy the maximum cash back/rewards for a high retail transaction, e.g. 10k which cards are better in short term?

essentials - unlimited 1% will give you cash rebate of rm100