PBB VS

Aeon Credit card, 0% BT for 6 months

Well, if your spending is more than RM2K a month, HSBC Amanah Platinum? 8% on petrol and groceries on weekends.

Well, if your spending is more than RM2K a month, HSBC Amanah? 8% on petrol and groceries on weekends.

1. Annual Income: RM170K

2. Free Lifetime Annual Fee: No

3. Card required for:
- cash advance,
- low interest fee
- balance transfer

4. Existing credit cards if any:
- Direct Access (CIMB)
- Standard Chartered

5. Looking at CC from:
- Hong Leong Bank
- Public Bank

6. Others: Please be specific. -
Here is my situation. I dislike my Standard Chartered credit card after using it for many years now so I am looking to replace it with another credit card, the Maybank 2 Platinum cards (due to the lower 8.88% interest rate), which I have applied for yesterday. For those who have experience applying from Maybank, may I know how long it takes to process and for me to receive the two Maybank cards?

Also, I got three mortgage loans approved (and signed the LO) from three banks within the last two weeks. Those three banks are OCBC, Hong Leong Bank and Public Bank. Are credit cards automatically approved (if you agree to apply) if you have mortgage loans approved from those banks?
So far, of those three banks, I have only agreed to apply for OCBC Bank credit card and the banker has submitted my application for it.

Currently my priority is to get the Maybank 2 Platinum cards. If I apply for the other two credit cards from Hong Leong and Public Bank at about the same time, will it affect my application for the Maybank credit cards?

This post has been edited by kenviro: Aug 25 2015, 11:58 AM

Yes. It is good card subject to the term and condition fulfilled. Personally I like hsbc amanah and I am using it

1. Annual Income: RM50k to RM55K

2. Free Lifetime Annual Fee: Yes or can be easily waived.

3. Card required for: Cash Back/Rebate
a. Maxis Bill
b. Insurance
c. Dining
d. Retail Shopping
e. Oversea Spending

4. Existing credit cards if any: Maybank2Gold Card

5. Looking at CC from: Any

6. Others: Maybank changed the AMEX card to only CashBack dining and I planned to cancel it if there is a suitable or better card other than that. Besides that, many places does not accept AMEX.

Thank You!

any aeon cc or pbb cc.

aeon watami

The effective cash back will never be 8% as it is cap at RM100 per month, the maximum can earn is 5% cash back and is restricted on weekend only.

Cashback Category Cashback Rate Monthly Cap Spend
Petrol, Groceries and Dining 3% RM100 up to RM2000 monthly on weekends only
Petrol, Groceries and Dining 8% RM100 from RM2001 and above monthly on weekends only
Overseas Spend 1% uncapped any amount in a single receipt
Local Spend 0.2% uncapped any amount in a single receipt

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash rebate from bill payments to Unifi, Astro, TNB.

4. Existing credit cards if any: HLB Wise

5. Looking at CC from: PB VS.. but not eligible,,,,

Bro, you are in the same situation as me. What I do is that I apply for Aeon Watami, 3% cash back on Unifi and TNB and for astro I use CIMB cash back rewards.... wondering if there is any other better options.

Whats the alternative card for online purchase & dining cash rebate other than PBB visa signature?

Side note: Using watami to pay all insurance edi.

This post has been edited by OldKidz: Aug 28 2015, 03:56 PM

Online purchases - CIMB Cash Rebate Plat, UOB VOX
Dining - HLB MACH, HLB Wise, MBB2AmEx

how did you paid TNB with Aeon Watami?

1. Annual Income: RM80k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Cash rebate for bills such as Telekom, Celcom, SESCO, Retails, online purchase etc

4. Existing credit cards if any: MBB2kard(MC+Amex), MBB Ikhwan

5. Looking at CC from: any (Exclude HLB WISE because of the hassle spending method)

This post has been edited by virgoguy: Aug 28 2015, 04:42 PM

any method also entitled for the 3% cb as long as you fulfilled the 3k quarterly spend.

you need to hit 3k quarterly to entitle for 3% cb?

yes, 3k accumulative on anything except petrol.

1. Annual Income: RM36K to RM60K
2. Free Lifetime Annual Fee: A Must

3. Card required for:
Main Priority : Advance payment for reimbursable medical expenses e.g. medical checkups, specialist appointments, dental, spectacles, etc.
Not-so-main priority : Cash back/rebate via petrol, utilities, groceries

4. Existing credit cards if any: Nil
5. Looking at CC from: Nil

6. Others:
Referring to item #3, it's because I don't have medical card. But my company allows me to claim quite high amount of medical expenses.
I've been using debit card for the past 4 yrs bcoz I had a bad history with CC & I learnt my lesson the hard way. I'm hoping I won't make the same mistake again.