How much discount get buy from gemfive?

Among all the CC, which is the best or 2nd CC to use for government related transaction? Pls advise ,shifus.. Thanks

can someone recommend me the easiest cc to apply for first timer?

1. Annual Income: 80k

2. Free Lifetime Annual Fee: Must

3. Card required for: Previously only use debit card. Usually for my paypal transaction, cinema tickets, online purchases, flight tickets.
Wanted to buy something online just now and they don't accept debit card or paypal, and sold out before I could borrow someone card.
Use during oversea.

4. Existing credit cards if any: Got a Indonesia credit card but didn't use it anymore since back at Malaysia.

5. Looking at CC from: Not particular, having accounts on maybank, public bank and ambank.

Previously used my debit card during my japan vacation, all my transaction got doubled, my savings got deducted twice, have to wait 3 weeks for them to refund back.

Guess it's time I get a credit card.

Thank you very much as always, fly126. 

My primary concerns are departmental spending (in Aeon Departmental), and payment for Maxis bill, which were performed, using WISE Card. If I am to cancel WISE card, I am unsure which card to replace WISE Card.

Correct me, if I am wrong. The 2% departmental cashback for Mach Credit Card is not given based on MCC Code 5311. Aeon Departmental is excluded from the list of eligible merchants, for Mach Credit Card. 

1. Annual Income: RM100k up

2. Free Lifetime Annual Fee: Auto waive/need call

3. Card required for:

a) Tesco/Jusco
b) CB
c) Airport lounge/oversea spending
d) Utilities payment TNB/Unifi

4. Existing credit cards if any: No

5. Looking at CC from: No preference

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: Prefer if free or can be waived with condition

3. Card required for: Online purchase, oversea usage

4. Existing credit cards if any: None

5. Looking at CC from: Don't know

6. Others: I am 29 this year and I never had a credit card, I want to apply one. I do not have any loan. ptptn debt cleared few years ago. Already applied CIMB and Maybank recently but both rejected. Can anyone help?

1. Annual Income:

2. Free Lifetime Annual Fee: no (possible if waivable)

3. Card required for: grocery, petrol, mobile, dining, online, insurance, premier lounge, (the more the merrier?)

4. Existing credit cards if any:  wise, maybank2cards amex

5. Looking at CC from: pbb visa signature

6. Others: cancelled my wise due to change of tnc, finding card to replace wise card, most spending on grocery, petrol, mobile and dining. but notice pbb visa signature card qualify mobile online payment as online spending.

tq, pls advice

Please advice, thanks.

Annual Income                = 30K

Free Lifetime Annual Fee = Must

Card requirement          = Petrol- 300, Groceries- 500, Mobiles- 150, others- 300

Existing card                  = ocbc titanium

Looking at cc from        = not sure, hoping for recommendations

Others                        = cancelled wise card due to new requirements.
Thanks for any recommendations.

1. Annual Income: RM33.6K

2. Free Lifetime Annual Fee: Yes/Waived with T&C

3. Card required for: CashBack-Petrol, Groceries, Utilities, 0% Installment Plan

4. Existing credit cards if any: Nil

5. Looking for Islamic Credit Card
I want to save some money by having a CC.

Kindly advise.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs

a. using the cc to get iphone7 0% installment plan from Digi - any cashback on this?
b. Petrol Cashback - spending around rm1500 -rm2k for petrol every month (highway travelling alot)
c. Dining

4. Existing credit cards if any: Maybank

5. Looking at CC from: CIMB, CITIBANK, HSBC, RHB

6. Others:

1. Annual Income: 36k + -

2. Free Lifetime Annual Fee: preferred free lifetime annual fee, but dont mind pay if benefits are good enough

3. Card required for: petrol,bill payment & installment.

4. Existing credit cards if any: citibank clear & citibank cashback

5. Looking at CC from: any popular bank

Which card is good for travels?

The conversion rate is the same for each bank is it?

fuh so many cards then

online spend cimb cb or uob yolo
oversea is aeon cc or ambank wmc.
later retail spending?

Hello sifus.

1. Annual Income: RM72k

2. Free Lifetime Annual Fee: Preferably but don't mind if conditions for fee waiver not strict

3. Card required for: Petrol, groceries, cash back, utilities, air miles + travel insurance, dining (usually just weekends), online transactions (seldom)

4. Existing credit cards if any: Nil.

5. Looking at CC from: Maybank preferred. Welcome suggestions from other banks

6. Others:  Like mentioned above, not a cc owner. Only have maybank savings account. Supp card holder will be x1 (wife). Prompted to get cc due to overseas travel in future (2-3x a year). And as most can probably tell, very noob about all this.

Appreciate the input and time, many thanks in advance.

any recommendation for HL CC? i am planning to convert my wise gold to other card. Cashback will be prefer

1. Annual Income: RM42K +-

2. Free Lifetime Annual Fee: Yes!

3. Card required for: Priority wise Petrol about RM300+- (Pump mostly during weekdays, seldom pump on weekend), online/electronics purchase, dining and retail

4. Existing credit cards if any: Nil. I have only 2 debit cards

5. Looking at CC from: Any

6. Others: Preferably higher cash back

Thanks!

1. Annual Income: RM80K

2. Free Lifetime Annual Fee: Any but prefer waiver

3. Card required for: Petrol, Retail, online shopping

4. Existing credit cards if any: Citibank PremierMiles, Citibank Gold, CIMB CR Plat

5. Looking at CC from: any

Thanks!!

1. Annual Income: RM240k

2. Free Lifetime Annual Fee: prefer anything with option to waive annual fee

3. Card required for: cash back for restaurants, pubs & bars, petrol, telco and utilities bills, minor grocery

4. Existing credit cards if any: MBB visa infinite, Alliance Visa Infinite, Citibank Cashback (not so good), HLB Wise (was my cash back card till oct 2016), HLB GSC Visa

5. Looking at CC from: Any bank

6. Others: I primarily swipe most using my MBB visa infinite so that I hit annual 50k spending to waive the annual fee.  Have been using the MBB VI for 3 years and past 2 years able to hit the 50k annual spending limit.  Past 2 years have also been using the wise card and has been consistently getting a monthly cash back of RM100.  Basically looking to replace wise card after the terms and condition changed.  Tried the citibank cash back but it seems really not that good.  I am thinking that it could be very possible that wise card could still be the best cash back card in the market, trying to seek other opinions on what other options i got.

The expenditure for my cash back is roughly as below:

1.  Restaurant - 400 to 1200 monthly (varies a lot)
2.  Pub and bar - 300 to 800 monthly
3.  Petrol - 300 monthly
4.  Maxis - 300 monthly
5.  Internet - 150 monthly (Time fiber)
6.  TNB - 170 monthly
7.  Grocery - 200 - 400 monthly

Dont think there will be a cashback card that can fit all in the list and provide cash back most effectively.  But just need one cash back card that can gain the most effective cash back from a selection from that expenditure list.

Hi,

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back, Overseas Transactions, Groceries, Dining

4. Existing credit cards if any: MBB 2Card

5. Looking at CC from: CIMB Cash Rebate but open to other suggestions

6. Others: Looking for recommendations on whether I should switch cards or just keep with my MBB 2 Cards. I barely use the AMEX card anyways.

Hi,

1. Annual Income: More than RM90K

2. Free Lifetime Annual Fee: A Must

3. Card required for: 5% Cash Back for Online, Dining, Retail, Auto Billling-  Insurance, Mobile,

4. Existing credit cards if any: MBB 2Card

5. Looking at CC from: VIsa prefarable

6. Others: Mostly use MBB Amex if possible and for petrol.