Your Income is almost RM100k p.a, you may try to apply PBB Visa Signature. It give 6% CB on Groceries, Dining, Online Spend + It's a Lifetime Fee Waiver Card with 12x Swipes p.a.
https://forum.lowyat.net/topic/3991972

Or else,

UOB Yolo (Annual Fee: RM95.40)
6% CB for Online Spend, 3% CB on Dining
However, Total Monthly Spend:
RM0 - RM499 = 0 CB
RM500 - RM799 = Max. Cashback Capped at RM 20
RM800 & Above = Max. Cashback Capped at RM 50
https://forum.lowyat.net/topic/4078891

This post has been edited by fly126: Nov 18 2016, 08:48 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

1. Salary per annum: 60k
2. Free Lifetime Annual Fee: must.

3. Card required for: petrol rebate (must), insurance rebate

4. Existing credit cards if any: SC gold card, maybank 2 cards, citi cash back platinum


Any recommendation? all my existing card cash back on insurance. I need both petrol and insurance together

Petrol - Maybank Ikhwan MasterCard and Visa (both are different, check out the thread).

Insurance - Alliance You:nique?

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

[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

[quote=fly126,Nov 23 2016, 12:39 PM]
[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.

[/quote]


Bro Fly126,

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?

I am mid to heavy user of online shopping lazada, gemfive and 11 street. Been using cimb cash rebate cc. Sometime they credit you cash back to your cc account. Mine usually get RM0.20 (lowest cb) to RM20(highest cb).

Spend more to get more cb lol

CIMB CR, UOB YOLO.

CIMB CR's max CB for online transactions is only RM 30 which equals to RM 600 spending.

SCB Just One Platinum card gives a maximum/optimum of 3.4% CB for petrol, auto bill payments (including insurance) and online transactions. Make sure your insurance is auto debit, it will falls into the insurance category. However, the max CB for a month is RM85 for a minimum spending of RM2,500. TO maximise the CB, you need to spend only on those spending that gives you the so-called 15% CB, which are petrol, auto bill payments and online transactions.

https://www.sc.com/global/av/my-just-one-pl...revised-tnc.pdf

This post has been edited by ytan053: Nov 23 2016, 03:41 PM

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...

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

1. Annual Income: 24K only

2. Free Lifetime Annual Fee: A Must

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

4. Existing credit cards if any: -

thanks all, need recommendation

5. Looking at CC from: -

CIMB Cash Rebate is a good starter and covers your requirement, AEON BiG as well.

thanks , will look into it

1. Annual Income: RM36K to RM50K

2. Free Lifetime Annual Fee: Yes / With annual fee waiver

3. Card required for: PTPTN, Insurance and other utilities

4. Existing credit cards if any: CIMB Cash Rebate

5. Looking at CC from: -

6. Others: Any card that can cover my petrol rebates?

1. Annual Income: 45k - 55k SGD
2. 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

This post has been edited by Steven7: Nov 26 2016, 01:05 PM

CIMB Cash Rebate Plat. Mastercard or UOB Yolo

1. Annual Income: RM28k

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

This post has been edited by cringe: Nov 27 2016, 10:53 PM

CIMB Cash Rebate Mastercard, UOB One, HLB Essential, RHB Smart Value.