Yeap that's what I thought also, that's why never include in the annual income. What other credit cards is next best option?

Those allowances are pretty consistent la. Every month similar allowance credit into bank account consistently.

However, some banks started not to include fixed allowances anymore.

Can try with CIMB Cash Rebate.

This post has been edited by fruitie: Oct 18 2016, 09:45 PM

Can anyone help me if I need to apply for UOB credit card , I am currently oversea , my salary is 91.2k annually. Thanks a million

1. Annual Income: RM90k

2. Free Lifetime Annual Fee: It is my first time applying credit card , I hope somebody brief me about it?

3. Card required for: Miles Point, KLIA 2 lounges

4. Existing credit cards if any: None

5. Looking at CC from: No preference

6. Others: Can I apply credit card in Malaysia if I am working oversea? Thanks

Some banks don't take converted income amount, they might just treat it as 1:1.
You will need to check with banks.

For RM 90k, you can try AmBank Visa Signature for miles points and PPL access, CIMB Enrich Plat for miles points and Golden Lounge at KLIA, AmBank Plat and AEON Gold/AEON BiG Gold for PPL access.

TNB, SAJ (if is available via online), you can try HLB Wise. Minimum spending of RM 2k for RM 100 cash back. You can add utilities and another category (e.g. groceries, petrol). Free category will be mobile which you can use for your U Mobile and Celcom.

As for Astro, you can use CIMB Cash Rebate Plat.

Telekom, no credit card gives direct cash back unless you use PBB VS but that requires minimum income of RM 100k per annum. You can pump into HLB Wise as well to make it achieve RM 2k spending per month or you will have to apply an AEON card and pay it via UOBPayOnline/TM Portal. Then, pay back to AEON via PosOnline using CIMB CR but you will be charged with 2.12% service charge.

If you want to make your life easier, then just apply a HLB Wise and charge above to the card, you will be guaranteed with RM 100 cash back per month.

Tq boss, I will proceed with HLB Wise, RM100 cashback for RM2k spending quite huge for me, around 5% cashback.

It is a good card if you can achieve at least RM 2k per month.
It has AF though. Try choosing Gold as it is having the same benefit as Plat with lower AF.

However, you won't get cash back for things like Astro, Telekom. So, you may not get full RM 100.

This post has been edited by fruitie: Oct 20 2016, 11:31 AM

Paying for Astro with CIMB CR will garner 5% or 2% CB?

5%.

So it's considered as e-commerce or online payment then. That's the only option which gives 5%.

But must pay via Astro Online Portal.

Haha the more cards we have the more headache there is.

Hi senior fruitie, what about CIMB CR to POS Online for Unifi, will I get it?

Yeah, it works. Forgot about that option earlier.

Hi All. Please advise. Thanks in advance.

1. Annual Income: RM50k~

2. Free Lifetime Annual Fee: free

3. Card required for: mainly for other retails spend

5. Looking at CC from: Need advice, previously using HLB essential but after TNC change to 0.6% cash rebate, I cut, look for any CC can replace..

I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism Max. CB Capped at $50 p.m https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend.

III) SCB Cashback Gold: 2 - 5% CB with min spend $500 https://www.sc.com/my/credit-cards/goldcard/gold-card.html

IV) OCBC 365 Mastercard: 1% CB on 1st RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending http://www.alliancebank.com.my/younique

This post has been edited by fly126: Nov 15 2016, 09:20 AM

Thanks !!!

Got a question, if MBB previously rejected my application, can I reapply for other card?
Applied for ikhwan gold card, got rejected dunno why.
Annual income 35000.
Doing uber now, rly need a cc for petrol

Do you have other cards?
If yes, you might want to consider reducing their credit limits and reapply this card again.
If no, you probably want to consider other cards like,

- Aeon Big card
- CIMB Petronas