Recommendation for Credit Cards V3

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Recommendation for Credit Cards V3, Please post according to Format stated.

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fly126	Dec 2 2016, 03:30 PM Show posts by this member only \| Post #2701
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Jenson25 @ Dec 2 2016, 02:39 PM) 1. Annual Income: 55-60K SGD 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! 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. PS. You can't use Credit Card to pay any Loan related Installment. Others Recommendation, Maybank Ikhwan Mastercard.
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AdviceSeeker	Dec 4 2016, 12:28 PM Show posts by this member only \| Post #2702
Getting Started Junior Member 88 posts Joined: Dec 2015	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?
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fruitie	Dec 4 2016, 12:38 PM Show posts by this member only \| Post #2703
Rise and Shine Staff 72,806 posts Joined: Sep 2005 From: KUL	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? Petrol cash back can get Maybank Ikhwan MasterCard and Ikhwan Petronas Visa but you have to shift your petrol filling activity to Fridays, Saturdays and Sundays. You may refer to the individual thread in this section. You may get AEON Gold for not too bad overseas conversion rate and it comes with 6x PPL access in local airports.
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AdviceSeeker	Dec 4 2016, 01:20 PM Show posts by this member only \| Post #2704
Getting Started Junior Member 88 posts Joined: Dec 2015	QUOTE(fruitie @ Dec 4 2016, 12:38 PM) Petrol cash back can get Maybank Ikhwan MasterCard and Ikhwan Petronas Visa but you have to shift your petrol filling activity to Fridays, Saturdays and Sundays. You may refer to the individual thread in this section. You may get AEON Gold for not too bad overseas conversion rate and it comes with 6x PPL access in local airports. I need to fuel up at most twice during these 3 days. any credit card providing all day long cashback for petrol?
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fruitie	Dec 4 2016, 02:47 PM Show posts by this member only \| Post #2705
Rise and Shine Staff 72,806 posts Joined: Sep 2005 From: KUL	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? CIMB Cash Rebate but only 2% cash back. The rest with higher % comes with AF.
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Annonymous1	Dec 4 2016, 03:59 PM Show posts by this member only \| Post #2706
New Member Newbie 1 posts Joined: Jul 2013	1. Annual Income:RM36K to RM60K ( 40K ish) 2. 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
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fly126	Dec 4 2016, 04:26 PM Show posts by this member only \| Post #2707
Lousy One Senior Member 4,404 posts Joined: Jun 2012	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... « Citibank CB / Platinum CC Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20 Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70 Cash Back: * 5% X for Petrol - Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back - Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi) [Unlimited Monthly Rebates with t&c On, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back] * 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin) - Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back - Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping] * 0.2% X Cash Rebate for Others Spending [No Capping] Note: Cash Back Platinum in BLUE Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month. https://www.citibank.com.my/global_docs/pdf/citicashback.pdf This post has been edited by fly126: Dec 6 2016, 11:35 AM
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fruitie	Dec 4 2016, 04:58 PM Show posts by this member only \| Post #2708
Rise and Shine Staff 72,806 posts Joined: Sep 2005 From: KUL	QUOTE(fly126 @ Dec 4 2016, 04:26 PM) » Click to show Spoiler - click again to hide... « b]Citibank CB / Platinum CC[/b] Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20 Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70 Cash Back: * 5% X for Petrol - Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back - Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi) [Unlimited Monthly Rebates with t&c On, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back] * 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin) - Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back - Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping] * 0.2% X Cash Rebate for Others Spending [No Capping] Note: Cash Back Platinum in BLUE Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month. https://www.citibank.com.my/global_docs/pdf/citicashback.pdf He needs free AF cards, unless Citibank CB Plat is AF free now?
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fly126	Dec 4 2016, 05:09 PM Show posts by this member only \| Post #2709
Lousy One Senior Member 4,404 posts Joined: Jun 2012	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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fruitie	Dec 4 2016, 06:59 PM Show posts by this member only \| Post #2710
Rise and Shine Staff 72,806 posts Joined: Sep 2005 From: KUL	QUOTE(fly126 @ Dec 4 2016, 05:09 PM) Try to Request AF Waiver from Citibank... Well, then it's not a guaranteed way...
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AskarPerang	Dec 4 2016, 10:36 PM Show posts by this member only \| Post #2711
~tUPaI...~ All Stars 23,688 posts Joined: Aug 2007 From: Outer Space	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? QUOTE(fruitie @ Dec 4 2016, 04:58 PM) He needs free AF cards, unless Citibank CB Plat is AF free now? QUOTE(fly126 @ Dec 4 2016, 05:09 PM) Try to Request AF Waiver from Citibank... Is your monthly petrol spending hitting RM800? I would recommend Public Bank Visa Gold Credit Card. 5% rebate on Petron petrol Daily. Monthly rebate cap at RM50. You add with Petron loyalty card. RM3000 get back RM45 petrol is equal to additional 1.5%.
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fly126	Dec 5 2016, 02:16 PM Show posts by this member only \| Post #2712
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Annonymous1 @ Dec 4 2016, 03:59 PM) 1. Annual Income:RM36K to RM60K ( 40K ish) 2. 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 CIMB CR Mastercard or MBB 2Cards Btw, An Expatriate may need Higher Income Requirements to apply Credit Card, pls check with the Bank.
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geeseeeem	Dec 5 2016, 02:30 PM Show posts by this member only \| Post #2713
New Member Newbie 4 posts Joined: Dec 2016	Hi, I am doing a survey regarding the factors that influencing spending behaviour on credit card. Please help me to complete the survey. Thank you. https://docs.google.com/forms/d/e/1FAIpQLSd...iewform?c=0&w=1
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winchee	Dec 6 2016, 11:24 AM Show posts by this member only \| Post #2714
Getting Started Junior Member 103 posts Joined: Dec 2012	1. Annual Income: RM100K 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?
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fly126	Dec 6 2016, 11:37 AM Show posts by this member only \| Post #2715
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(winchee @ Dec 6 2016, 11:24 AM) 1. Annual Income: RM100K 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? Citibank CB Plat. » Click to show Spoiler - click again to hide... « Citibank CB / Platinum CC Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20 Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70 Cash Back: * 5% X for Petrol - Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back - Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi) [Unlimited Monthly Rebates with t&c On, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back] * 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin) - Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back - Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping] * 0.2% X Cash Rebate for Others Spending [No Capping] Note: Cash Back Platinum in BLUE Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month. https://www.citibank.com.my/global_docs/pdf/citicashback.pdf
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Yoh	Dec 13 2016, 08:33 PM Show posts by this member only \| Post #2716
StayHomeKid Senior Member 1,755 posts Joined: Jan 2003 From: the sublime	QUOTE(Gen-X @ Jul 9 2015, 11:35 PM) 1.. Annual Income:RM60K to RM100K 2. Free Lifetime Annual Fee: yes, preferably. 3. Card required for: Air miles; i wanna convert all bills & spending into air miles/point. 4. Existing credit cards if any: RHB Visa 5. Looking at CC from: any bank 6. Others: Current spending lots on: 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? This post has been edited by Yoh: Dec 13 2016, 08:38 PM
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fly126	Dec 13 2016, 09:09 PM Show posts by this member only \| Post #2717
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Yoh @ Dec 13 2016, 08:33 PM) Current spending lots on: 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? 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) 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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denzel88	Dec 14 2016, 11:21 AM Show posts by this member only \| Post #2718
Let's Bring it On! Senior Member 1,432 posts Joined: Jul 2007 From: Kuala Lumpur	Guys. Need help . I'm a first timer. I'm not sure but I thought I should move to credit credit instead of using debit cause debit have rm18 annual fee For the below card. Does it mean I do not need to pay any annual fee, GST or RM50 service tax for life? Not sure if there's any hidden fee suddenly. CIMB Cash Rebate Platinum MasterCard credit card Rebates galore! 5% cashback for online shopping, 2% cashback on groceries, petrol, mobile and utilities, and 0.2% cashback on everything else. 15% p.a. interest rate 20 days interest-free period up to 10% cashback 5.99% p.a. balance transfer over 6 months Easy Payment Plan (EPP) RM0.00 annual fee This post has been edited by denzel88: Dec 14 2016, 11:23 AM
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chiahau	Dec 14 2016, 11:25 AM Show posts by this member only \| IPv6 \| Post #2719
Fatthau StalKer All Stars 14,082 posts Joined: Aug 2009 From: Malaysia	QUOTE(denzel88 @ Dec 14 2016, 11:21 AM) Guys. Need help . I'm a first timer. I'm not sure but I thought I should move to credit credit instead of using debit cause debit have rm18 annual fee For the below card. Does it mean I do not need to pay any annual fee, GST or RM50 service tax for life? Not sure if there's any hidden fee suddenly. CIMB Cash Rebate Platinum MasterCard credit card Rebates galore! 5% cashback for online shopping, 2% cashback on groceries, petrol, mobile and utilities, and 0.2% cashback on everything else. 15% p.a. interest rate 20 days interest-free period up to 10% cashback 5.99% p.a. balance transfer over 6 months Easy Payment Plan (EPP) RM0.00 annual fee This card is free for life, yes. Depends on your usage, it might be good and it might not be good.
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denzel88	Dec 14 2016, 12:05 PM Show posts by this member only \| Post #2720
Let's Bring it On! Senior Member 1,432 posts Joined: Jul 2007 From: Kuala Lumpur	QUOTE(chiahau @ Dec 14 2016, 11:25 AM) This card is free for life, yes. Depends on your usage, it might be good and it might not be good. I'm just a light user, usually just for online payments or purchases such as Lazada, Digi , Games. Can share more on reason you say it's might be bad or good?
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