Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsRecommendation for Credit Cards V3, Please post according to Format stated.
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 Aug 27 2016, 03:56 PM
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Elite
5,093 posts Joined: Mar 2009 From: Land of make believe  
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1. Annual Income: RM33K
2. Free Lifetime Annual Fee: Yes 3. Card required for: PTPTN, gas, car installments and online transactions 4. Existing credit cards if any: None 5. Looking at CC from: Any 6. Others: - This post has been edited by UserU: Aug 27 2016, 03:56 PM |
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Aug 29 2016, 06:50 AM
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Senior Member
7,496 posts Joined: Feb 2007 
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QUOTE(fruitie @ Aug 25 2016, 12:34 AM) UOB VOX no longer available for new applicants. really ? is still available on their website though |
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Aug 29 2016, 09:15 AM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(DarReNz @ Aug 29 2016, 06:50 AM) really ? is still available on their website though the card info is there, but the application is no longer available.http://www1.uob.com.my/personal/cards/cred...ards_index.html |
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Aug 29 2016, 09:55 AM
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Senior Member
4,404 posts Joined: Jun 2012  
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QUOTE(UserU @ Aug 27 2016, 03:56 PM) 1. Annual Income: RM33K Currently None of the Card will suit All your needs & I don't think PTPN accept Credit Card now...2. Free Lifetime Annual Fee: Yes 3. Card required for: PTPTN, gas, car installments and online transactions 4. Existing credit cards if any: None 5. Looking at CC from: Any 6. Others: - Beside that, you also can't use CC on the bank's loan related payment. For Petrol (gas ), Online spend you can try on MBB Ikhwan Mastercard, Aeon Big Visa Card. This post has been edited by fly126: Aug 29 2016, 09:57 AM |
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Aug 29 2016, 10:06 AM
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Staff
72,823 posts Joined: Sep 2005 From: KUL 
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QUOTE(fly126 @ Aug 29 2016, 09:55 AM) Currently None of the Card will suit All your needs & I don't think PTPN accept Credit Card now... PTPTN over counters at selected branches still accept.Beside that, you also can't use CC on the bank's loan related payment. For Petrol (gas ), Online spend you can try on MBB Ikhwan Mastercard, Aeon Big Visa Card. |
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Aug 29 2016, 12:21 PM
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Elite
5,093 posts Joined: Mar 2009 From: Land of make believe
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QUOTE(fly126 @ Aug 29 2016, 09:55 AM) Currently None of the Card will suit All your needs & I don't think PTPN accept Credit Card now... Thanks, I'll go for Aeon card. Beside that, you also can't use CC on the bank's loan related payment. For Petrol (gas ), Online spend you can try on MBB Ikhwan Mastercard, Aeon Big Visa Card. However like fruitie mentioned, I've read that certain PTPTN branches accept CCs. I'm hoping Shah Alam is one of them. |
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Aug 29 2016, 04:10 PM
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Junior Member
142 posts Joined: Aug 2016 From: Fáskrúðsfjörður
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1. Annual Income: RM 42K
2. Free Lifetime Annual Fee: No 3. Card required for: Petrol, Education, Cash Back/Rebate, Groceries, online trans 4. Existing credit cards if any: Nil 5. Looking at CC from: any banks 6. Others: I'm 27, never owned any CC before. Now applying because need to get Personal Loan, and of course for above requirements. Banks require CC record to apply... |
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Aug 29 2016, 05:24 PM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(BuncitPesonawan @ Aug 29 2016, 04:10 PM) 1. Annual Income: RM 42K HLB Wise, MBB Ikhwan Mastercard, CIMB Cash Rebate Mastercard2. Free Lifetime Annual Fee: No 3. Card required for: Petrol, Education, Cash Back/Rebate, Groceries, online trans 4. Existing credit cards if any: Nil 5. Looking at CC from: any banks 6. Others: I'm 27, never owned any CC before. Now applying because need to get Personal Loan, and of course for above requirements. Banks require CC record to apply... |
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Aug 31 2016, 03:19 PM
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Senior Member
677 posts Joined: Apr 2013
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1. Annual Income: RM40K
2. Free Lifetime Annual Fee: Yes 3. Card required for: - bills/utilities - online shopping (a lot of shopping: lazada/gemfive/11street..... 4. Existing credit cards if any: None 5. Looking at CC from: Any 6. Others: - best online shopping cashback/rebates |
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Aug 31 2016, 03:53 PM
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Senior Member
2,270 posts Joined: Nov 2004
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1. Annual Income: RM50k - RM55k
2. Free Lifetime Annual Fee: A Must or Easy waivable 3. Card required for: Insurance AIA Monthly Secure Parking Monthly Unifi Monthly Celcom Monthly TouchnGo Monthly Food Petrol 4. Existing credit cards if any: Maybank Ikhwan Islamic Mastercard, CIMB Cash Rebate Platinum Mastercard, HSBC Amanah M-power Platinum Visa, Mach Hong Leong Visa, Maybank 2 Card Gold, UOB One Platinum Visa, UOB VOX Visa 5. Looking at CC from: Any 6. Others: To reduce number of cards, while getting the highest cash back efficiency along with the closest UOB VOX replacement alternatives. |
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Aug 31 2016, 11:40 PM
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Junior Member
178 posts Joined: May 2010
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1. Annual Income: >RM100K
2. Free Lifetime Annual Fee: I don't mind calling to request for waiver 3. Card required for: - Paying PTPTN's outstanding in 1 go (RM10K-20k) - Purchasing retail big ticket items such as electronics & gadgets - Dining (eating out everyday) 4. Existing credit cards if any: None 5. Looking at CC from: AEON Watami or SC Gold Cash Back has 3% cashback for PTPTN IINM. Is there any other better alternatives? Many thanks! |
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Sep 1 2016, 02:14 AM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(hihichew @ Aug 31 2016, 03:19 PM) 1. Annual Income: RM40K CIMB Cash Rebate Mastercard, AEON BiG Visa Card, UOB Yolo2. Free Lifetime Annual Fee: Yes 3. Card required for: - bills/utilities - online shopping (a lot of shopping: lazada/gemfive/11street..... 4. Existing credit cards if any: None 5. Looking at CC from: Any 6. Others: - best online shopping cashback/rebates QUOTE(eternity4av @ Aug 31 2016, 03:53 PM) 1. Annual Income: RM50k - RM55k Insurance AIA Monthly (Public Bank-AIA Visa Gold Credit Card: 2% cash rebate on AIA Insurance Premium, 1% CB for other spend)2. Free Lifetime Annual Fee: A Must or Easy waivable 3. Card required for: Insurance AIA Monthly Secure Parking Monthly Unifi Monthly Celcom Monthly TouchnGo Monthly Food Petrol 4. Existing credit cards if any: Maybank Ikhwan Islamic Mastercard, CIMB Cash Rebate Platinum Mastercard, HSBC Amanah M-power Platinum Visa, Mach Hong Leong Visa, Maybank 2 Card Gold, UOB One Platinum Visa, UOB VOX Visa 5. Looking at CC from: Any 6. Others: To reduce number of cards, while getting the highest cash back efficiency along with the closest UOB VOX replacement alternatives. Celcom Monthly (Citibank CB Card) Food (Utilized with HLB Mach) Petrol (Citibank CB Card, since you got CIMB, MBB, UOB to Cover this) QUOTE(Saladz @ Aug 31 2016, 11:40 PM) 1. Annual Income: >RM100K Yeah, SCB CB Gold currently is the Best option... 2. Free Lifetime Annual Fee: I don't mind calling to request for waiver 3. Card required for: - Paying PTPTN's outstanding in 1 go (RM10K-20k) - Purchasing retail big ticket items such as electronics & gadgets - Dining (eating out everyday) 4. Existing credit cards if any: None 5. Looking at CC from: AEON Watami or SC Gold Cash Back has 3% cashback for PTPTN IINM. Is there any other better alternatives? Many thanks!  i) HLB Mach - food /dining, electronics & gadgets https://forum.lowyat.net/topic/2421215 ii) HLB Fortune - 1% Unlimited Cashback but, need min spending RM2000/month to qualify CB capped at RM 5000 with Max.$50 cash back, If you X achieve that then the CB burn off https://www.hlb.com.my/main/personal/cards/fortune-card Other to consider, Alliance You:nique or HLB Essential This post has been edited by fly126: Sep 1 2016, 02:20 AM |
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Sep 1 2016, 06:38 PM
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Senior Member
1,573 posts Joined: Apr 2008
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Need card to handle monthly spending below:
Streamyx TnB Unifi Maybank Etiqa Takaful Prudential AIA Thanks. |
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Sep 1 2016, 10:14 PM
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All Stars
17,509 posts Joined: Feb 2006 From: KL
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QUOTE(OldKidz @ Sep 1 2016, 06:38 PM) Need card to handle monthly spending below: kindly follow the format. Streamyx TnB Unifi Maybank Etiqa Takaful Prudential AIA Thanks. thanks. |
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Sep 2 2016, 12:09 AM
Show posts by this member only | IPv6 | Post
#2275
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Senior Member
1,573 posts Joined: Apr 2008
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1. Annual Income: <RM90K
2. Free Lifetime Annual Fee: N/A 3. Card required for: Paying: Streamyx TnB Unifi Maybank Etiqa Takaful Prudential AIA 4. Existing credit cards if any: Maybank2Card, SCB CB Gold, Wise, Watami 5. Looking at CC from: See Point no.3 Many thanks! |
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Sep 2 2016, 11:53 PM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(OldKidz @ Sep 2 2016, 12:09 AM) 1. Annual Income: <RM90K It may NOT be the Best card but You can take a Look ... 2. Free Lifetime Annual Fee: N/A 3. Card required for: Paying: Streamyx TnB Unifi Maybank Etiqa Takaful Prudential AIA 4. Existing credit cards if any: Maybank2Card, SCB CB Gold, Wise, Watami 5. Looking at CC from: See Point no.3 Many thanks!  QUOTE Revision on your Standard Chartered JustOne Platinum MasterCard Credit Card wef 20 September 2016 OR You may check on CIMB Cash Rebate Mastercard & RHB Smart Value Card  Now with Better Cash Back Benefits, you will get up to 15% CashBack on Auto Bill Payments, eCommerce and Petrol. (except government & charities ) 
* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories. The Cash Back is accumulated on a monthly basis and is based on the following selected MCC: a) Petrol MCC: 5541, 5542 b) Auto Billing: I. All insurance MCC: 5960, 5968, 6300 II. All Telco spend MCC in 4814, 5968 III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional, etc c) eCommerce/Online spend: For all online transactions made with “Transaction Mode = M, D, S and U” * Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via http://www.sc.com/my. https://www.sc.com/global/av/my-jop-website...ment-300816.pdf This post has been edited by fly126: Sep 3 2016, 11:43 PM |
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Sep 3 2016, 11:49 AM
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Junior Member
365 posts Joined: May 2011 From: gotham city 
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1. Annual Income: RM30K to RM36K
2. Free Lifetime Annual Fee: A Must 3. Card required for: petrol only 4. Existing credit cards if any: none (1st time applying) 5. Looking at CC from: no specific preferences 6. Others: 1st time applying, currently aiming for petrol cashbacks. pls suggest me what else i can use CC for. some say groceries and dining, but i always use debit card for that.. oh and best CC that gives free stuff when applying  |
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Sep 3 2016, 11:56 AM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(shdin271 @ Sep 3 2016, 11:49 AM) 1. Annual Income: RM30K to RM36K Maybank Ikhwan MasterCard - 5% Cashback on Petrol, Groceries Spend at Fri/Sat.2. Free Lifetime Annual Fee: A Must 3. Card required for: petrol only 4. Existing credit cards if any: none (1st time applying) 5. Looking at CC from: no specific preferences 6. Others: 1st time applying, currently aiming for petrol cashbacks. pls suggest me what else i can use CC for. some say groceries and dining, but i always use debit card for that.. oh and best CC that gives free stuff when applying |
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Sep 3 2016, 12:12 PM
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Junior Member
365 posts Joined: May 2011 From: gotham city
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QUOTE(fly126 @ Sep 3 2016, 11:56 AM) Maybank Ikhwan MasterCard - 5% Cashback on Petrol, Groceries Spend at Fri/Sat. thank you for the fast reply. much appreciated sir |
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Sep 4 2016, 01:30 AM
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Junior Member
119 posts Joined: Sep 2016
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1. Annual Income: RM24K to RM60K.
2. Free Lifetime Annual Fee: A must, or ones easily waived. 3. Card required for: Cashback, AirMiles, Overseas Transactions, Points, Free LCCT Lounge Access, Utilities, Groceries. 4. Existing credit cards if any: Maybankard 2 Gold (Amex/Mastercard), Maybank Visa Petronas Gold. 5. Looking at CC from: Any. 6. Others: Trying to maximize getting cashback/points. Especially when paying utilities (Sabah Electric Sdn Bhd, Jabatan Air Sabah, Streamyx). |
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