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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 Nov 18 2016, 08:51 PM
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#241
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4,404 posts Joined: Jun 2012   
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QUOTE(fruitie @ Nov 18 2016, 08:28 PM) PBB VS is 6% and AF is waived with 12x swipes. Oops, I Do some edit liao...    This post has been edited by fly126: Nov 18 2016, 09:03 PM |
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Nov 23 2016, 12:39 PM
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#242
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4,404 posts Joined: Jun 2012
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[quote=danes007,Nov 23 2016, 12:16 PM]
Hi there, 1. Annual Income: RM36K to RM50K 2. Free Lifetime Annual Fee: A Must/ Call & Waive at least 3. Card required for: Petrol (Shell or all petrol station), Phone bill ( U mobile), TM bills, occasional domestic travel (hotels). 4. Existing credit cards if any: None 5. Looking at CC from: Open for suggestions 6. Others: Looking to get some free gifts / vouchers when apply. Thanks in advance  i) CIMB Cash Rebate Mastercard * 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES) * 2% CB for Petrol, Groceries * 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month) NO CB on Flight Tickets Booking * 0.2% CB on Other Retail Spend With Total Maximum CB capped at RM50/month https://forum.lowyat.net/topic/3988506 ii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. This post has been edited by fly126: Nov 23 2016, 12:53 PM |
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Nov 23 2016, 03:59 PM
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#243
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(AzaelTheKid @ Nov 23 2016, 02:25 PM) Bro Fly126, I would said CIMB CR Mastercard EZ to Manage No CB tier or any t&c tied on + it's a Free for life card without Any AF it will be Good Card to keep...I mostly use this card for online spending like lazada, 11street, taobao and other online merchant and also retail outlets spending. Which card do you advise me to go for? Standard chartered cash back ? or Alliance unique card? Cimb cash rebate? UOB YOLO card? As you see U won't get any CB if you spend Rm 0 - 499. If u opt UOB Yolo plus the card do come with AF, Unless you're Heavy Spender... SCB cash back Gold & Alliance You:nique card just more like a Multi purpose general CC. This post has been edited by fly126: Nov 23 2016, 04:14 PM |
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Nov 26 2016, 01:49 PM
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#244
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(Steven7 @ Nov 26 2016, 01:02 PM) 1. Annual Income: 45k - 55k SGD CIMB Cash Rebate Plat. Mastercard or UOB Yolo2. Free Lifetime Annual Fee: Either free for life or could be waived automatically thru swipes 3. Card required for: Online primarily 4. Existing credit cards if any: Maybank 2 Cards 5. Looking at CC from: None 6. Others: I am currently working in Singapore but I need a Malaysia MYR CC mainly for online transactions |
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Nov 27 2016, 10:58 PM
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#245
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4,404 posts Joined: Jun 2012
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QUOTE(cringe @ Nov 27 2016, 10:53 PM) 1. Annual Income: RM28k CIMB Cash Rebate Mastercard, UOB One, HLB Essential, RHB Smart Value.2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, bills, and shopping 4. Existing credit cards if any: None 5. Looking at CC from: Open for suggestions 6. Others: - Hi guys, this is the first time I want to apply for credit card. I don't care about Cashback or free gift. I just want to know, which bank is easier to approve CC? Need it immediately. TQ |
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Nov 28 2016, 08:09 AM
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#246
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(vandoren @ Nov 28 2016, 06:37 AM) 1. Annual Income: 60k only HLB Essential, Alliance You:nique or SCB JustOne Plat.2. Free Lifetime Annual Fee: Either free for life or could be waived automatically thru swipes 3. Card required for: insurance payment 4. Existing credit cards if any: ocbc titanium blue card, maybank ikhwan petronas card, citibank cashback 5. Looking at CC from: - * thank you! |
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Nov 29 2016, 01:55 PM
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#247
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(Muntz @ Nov 29 2016, 01:21 PM) 1. Annual Income: RM75k i) CIMB Cash Rebate Mastercard2. Free Lifetime Annual Fee: MUST 3. Card required for: List all your needs PTPTN - 100 SESCO - 100-200 Groceries and shopping - 500 Petrol - 300 Priority on cashback, rewards, points exchangeable to other points like Bonuslink and Enrich. 4. Existing credit cards if any: Ambank Carz Platinum 5. Looking at CC from: Any If possible have wide array of EPP for phones, furnitures etc. * 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES) * 2% CB for Petrol, Groceries * 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month) NO CB on Flight Tickets Booking * 0.2% CB on Other Retail Spend With Total Maximum CB capped at RM50/month https://forum.lowyat.net/topic/3988506 ii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. |
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Nov 29 2016, 08:51 PM
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#248
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(blu3chip @ Nov 29 2016, 03:39 PM) 1. Annual Income: RM60k 2. Free Lifetime Annual Fee: Yes 3. Card required for: List all your needs Cashback. Ave. spend - 500 Petrol 500 Insurance 500 Dining 500 Bars / Clubs 4. Existing credit cards if any: HSBC Amanah Platinum 5. Looking at CC from: Any Hassle free monthly cashback » Click to show Spoiler - click again to hide... « QUOTE(NaShRiCk @ Nov 29 2016, 04:04 PM)  1. Annual Income: RM60K to RM100K 2. Free Lifetime Annual Fee: No 3. Card required for: Petrol, Cash Back/Rebate Only, groceries, bill 4. Existing credit cards if any: Nil. 5. Looking at CC from: anywhere. 6. Others: » Click to show Spoiler - click again to hide... « QUOTE(aisucream @ Nov 29 2016, 05:40 PM) 1. Annual Income: 30k 2. Free Lifetime Annual Fee: Yes 3. Card required for: Insurance,PTPTN,Online Transaction,Shopping,Bills 4. Existing credit cards if any: PBB Visa Gold 5. Looking at CC from: MBB 2C/CIMB/HLB 6. Others: Is cash back or reward points better? Thank you  » Click to show Spoiler - click again to hide... « This post has been edited by fly126: Nov 29 2016, 08:53 PM |
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Nov 29 2016, 10:25 PM
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#249
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(wts6819 @ Nov 29 2016, 10:16 PM) Looking for re-organize my credit card and remove unnecessary card. wts68191. Annual Income: 120k-150k 2. Free Lifetime Annual Fee: It will be great if can auto waive after certain spending/swap. 3. Card required for: Online shopping (Lazada, 11street etc)-Rm200-500/month, auto-billing-Rm500+/month, grocery-Rm200-400/month, travelling, petrol 4. Existing credit cards if any: Citibank Rewards Visa Signature, HSBC Visa Platinum, CIMB Enrich Platinum & CIMB Petronas Platinum 5. Looking at CC from: 6. Others: Used to spend 50k+ annually at oversea for both Citibank & HSBC but now doing project locally, so not much spending and didn't use PPL this year at all. No time to lepak at PPL if travel domestic flight. PBB Visa Signature: 6% Cashback On Grocery, Dining, Online Transaction (Pay your bill thru UOB PayOnline : TNB, TM) or (TIME dot com portal: pay Time Broadband) to Earn CB.+ It's a Lifetime Fee Waiver Card with 12x Swipes p.a. ... a MUST Have & most Recommended Others Petrol, Groceries CB Credit Card... MBB Visa Signature or MBB Ikhwan Mastercard or Citibank Cash Back or UOB One Card Maybe you can Consider to Cut or Convert Some of the cards to more Useful Cash-Back CC...  i) Citibank Rewards Visa Signature to Citibank Cash Back Plat. (Petrol, Groceries, Telco, Pharmaceutical) ii) HSBC Visa Platinum to HSBC Amanah Mpower Credit Card-i (Petrol, Groceries) iii) CIMB Petronas Platinum to CIMB Cash Rebate Plat. Mastercard (Online, Petrol, Groceries, Auto Billing) This post has been edited by fly126: Nov 29 2016, 11:00 PM |
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Nov 30 2016, 09:50 PM
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#250
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(Steven7 @ Nov 30 2016, 09:25 PM) Hi just wondering how will my income be calculated? Is it 1SGD:1MYR in the bank's perspective? 1:1 NO ConversionThis post has been edited by fly126: Nov 30 2016, 10:28 PM |
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Dec 1 2016, 12:37 AM
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#251
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(isnazi @ Nov 30 2016, 11:30 PM) 1. Annual Income: RM30K to RM36K Get a Basic Card like : HLB Essential or RHB Smart Value or UOB One Card or CIMB Cash Rebate Mastercard for your General Use to Build up Credit History 1st...2. Free Lifetime Annual Fee: Must 3. Card required for: Petrol, Cash Back, AirMiles 4. Existing credit cards if any: nil 5. Looking at CC from: Maybank 6. Others: I've applied for the Maybank Ikhwan MasterCard Gold online but was unsuccessful, went to the branch they said at least my basic salary must be rm3k (currently 2700). But I've met the requirements for that card and they advised me to wait another 3months to apply again. Now maybe want to opt for another card mainly for petrol cashback, any suggestions? Thanks in advance. After a year or later you got a solid Credit History, Baru get 2nd CC that offers extra or better benefits based on your lifestyle & spending habits. (like: MBB Ikhwan, Citibank Cash-Back, Citibank Clear Card). That's My Advices...  This post has been edited by fly126: Dec 1 2016, 02:37 AM |
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Dec 2 2016, 03:30 PM
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#252
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(Jenson25 @ Dec 2 2016, 02:39 PM) 1. Annual Income: 55-60K SGD Becos U r Working in Singapore I would Suggest U get UOB One Card. Btw, NO Conversion on Salary it's based on 1:1.2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, Groceries,housing instalment,insurance 4. Existing credit cards if any: - 5. Looking at CC from: - Kindly need your advise.Thanks! PS. You can't use Credit Card to pay any Loan related Installment. Others Recommendation, Maybank Ikhwan Mastercard. |
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Dec 4 2016, 04:26 PM
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#253
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(AdviceSeeker @ Dec 4 2016, 12:28 PM) 1. Annual Income: RM36K to RM60K or RM60K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Looking for Petrol cashback 4. Existing credit cards if any: Maybank 2 cards 5. Looking at CC from: No specific requirement 6. Others: I often drive from KL to Seremban to work. Looking for Cash back at petrol. Currently Maybank 2 card is not good enough. I do travel oversea based on business needs Any recommendation for me sifus? QUOTE(AdviceSeeker @ Dec 4 2016, 01:20 PM) I need to fuel up at most twice during these 3 days. any credit card providing all day long cashback for petrol? » Click to show Spoiler - click again to hide... « This post has been edited by fly126: Dec 6 2016, 11:35 AM |
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Dec 4 2016, 05:09 PM
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#254
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(fruitie @ Dec 4 2016, 04:58 PM) He needs free AF cards, unless Citibank CB Plat is AF free now? Try to Request AF Waiver from Citibank... |
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Dec 5 2016, 02:16 PM
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#255
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(Annonymous1 @ Dec 4 2016, 03:59 PM) 1. Annual Income:RM36K to RM60K ( 40K ish) CIMB CR Mastercard or MBB 2Cards2. Free Lifetime Annual Fee: Optional, I don't mind annual fee if the reward is more than the fee 3. Card required for: Petrol, unifi, home utilities (TNB, indah water), food during weekends, groceries Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points 4. Existing credit cards if any:no. 5. Looking at CC from: Maybank (account), Citi, CIMB 6. Others: I am a foreigner or I only have M2U account Btw, An Expatriate may need Higher Income Requirements to apply Credit Card, pls check with the Bank. |
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Dec 6 2016, 11:37 AM
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#256
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(winchee @ Dec 6 2016, 11:24 AM) 1. Annual Income: RM100K Citibank CB Plat.2. Free Lifetime Annual Fee: Preferably 3. Card required for: Groceries Required : Cash Back/Rebate Only / unlimited cashback / 4. Existing credit cards if any: No cards for groceries 5. Looking at CC from: Any banks 6. Others: Rejected for PBB VS. Any other cards besides MBB Ikhwan Mastercard? » Click to show Spoiler - click again to hide... « |
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Dec 13 2016, 09:09 PM
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#257
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(Yoh @ Dec 13 2016, 08:33 PM) Current spending lots on: PBB Visa Signature: 6% Cashback On Grocery, Dining, Online Transaction (Pay your bill thru UOB PayOnline : TNB, TM) or (TIME dot com portal: pay Time Broadband) to Earn CB.+ It's a Lifetime Fee Waiver Card with 12x Swipes p.a. (a MUST Have & most Recommended)1. grocery 2. petrol 3. online bills payment (unifi/electricity/water); shopping offline & online is Maybank 2 Cards Premier still the best one for converting spending into air miles? if make one supplementary card for daughter to pay petrol only, do i still get the points? basically just wanna convert all daily payments to earn as many point as possible, can this be done with maybank2cards or should i separate into different cards? (i.e 1 for petrol only then transfer the miles to main account) edit: the choice of VISA or mastercard, which one is better?  https://forum.lowyat.net/topic/3991972 Others Petrol, Groceries CB Credit Card, MBB Visa Signature or MBB Ikhwan Mastercard or Citibank Cash Back or UOB One Card I would Said VISA becos got more promo than Mastercard This post has been edited by fly126: Dec 13 2016, 09:11 PM |
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Dec 19 2016, 08:22 PM
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#258
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(ivzh @ Dec 19 2016, 07:01 PM) hi guys, i m looking for credit card to pay my Great Eastern premium about rm2.5k per month SCB JustOne Platinum Currently holding -Public bank VS signature -Maybank 2 cards, Ikhwann card -CIMB cash rebate -UOB Yolo card -Aeon big visa card either cash back(prefer) or points. thanks in advance  » Click to show Spoiler - click again to hide... « https://www.sc.com/global/av/my-jop-website...ment-300816.pdf This post has been edited by fly126: Dec 19 2016, 08:29 PM |
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Dec 22 2016, 11:03 PM
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#259
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(air_mood @ Dec 22 2016, 04:33 PM) 1. Annual Income: RM46k 2. Free Lifetime Annual Fee: Must 3. Card required for: bills payment, online shopping,petrol 4. Existing credit cards if any: Maybank Dual Card Gold, RHB Gold Card, HSBC Visa Platinum 5. Looking at CC from: Any bank 6. Others: - Looking to cancel current RHB - Looking for card with best miles conversion(mostly enrich) and cashback QUOTE(MrLoo @ Dec 22 2016, 09:25 PM) 1. Annual Income: >RM27000 CIMB Cash Rebate Mastercard2. Free Lifetime Annual Fee: Must 3. Card required for: bills payment, online shopping,petrol 4. Existing credit cards if any: None 5. Looking at CC from: Any bank 6. Others: - Looking for cash back and annual fee waiver, fresh grads can easily be approved! - Tried a few from starting till 6months epf still kena rejected... - CCRIS GUARANTEED nice record and PTPTN all cleared.. http://www.cimbbank.com.my/content/dam/cim...July%202015.pdf |
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Dec 23 2016, 11:48 AM
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#260
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(air_mood @ Dec 23 2016, 11:32 AM) This card also good for air miles redemption? Nope, this Card is a PURE Cash back Card.Since you got M2C U can use their Tp on Air miles Redemption. |
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