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

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Homomensura
post Sep 21 2015, 05:18 PM

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Joined: Oct 2009
1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: List all your needs (spending as below)
Petrol - 250 monthly - Shell / BHP
Insurance - 200 ( Great Eastern )
Online - 100
Utilities - u mobile
Groceries - 100
TnG - 100
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any: Maybank2card (Visa + Amex)

5. Looking at CC from: except Maybank but can make payment thru Maybank2u

6. Others: i prefer Master card
victorywp
post Sep 21 2015, 07:18 PM

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QUOTE(Homomensura @ Sep 21 2015, 05:18 PM)
1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must (or any good benefits if got annual fee?)

3. Card required for: List all your needs (spending as below)
Petrol - 250 monthly - Shell / BHP
Insurance - 200 ( Great Eastern )
Online - 100
Utilities - u mobile
Groceries - 100
TnG - 100
Required : Cash Back/Rebate Only / unlimited cashback / good redemption items using points

4. Existing credit cards if any: Maybank2card (Visa + Amex)

5. Looking at CC from: except Maybank but can make payment thru Maybank2u

6. Others: i prefer Master card
*
you may consider one or combination of these hlb wise, uob one, aeon watami, cimb cr.
victorywp
post Sep 21 2015, 07:20 PM

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QUOTE(dradormien @ Sep 21 2015, 12:07 PM)
1. Annual Income: 75K

2. Free Lifetime Annual Fee: Not Necessary

3. Card required for: for airport lounge, travel

4. Existing credit cards if any: MBB2card Platinum and Visa Ikhwan Gold

5. Looking at CC from: anything

6. Others: Aim to collect cc. To get max benefit
*
any aeon cc or ambank plat.
juiceaddicted
post Sep 21 2015, 08:40 PM

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Joined: May 2014
QUOTE(dradormien @ Sep 21 2015, 12:07 PM)
1. Annual Income: 75K

2. Free Lifetime Annual Fee: Not Necessary

3. Card required for: for airport lounge, travel

4. Existing credit cards if any: MBB2card Platinum and Visa Ikhwan Gold

5. Looking at CC from: anything

6. Others: Aim to collect cc. To get max benefit
*
Ambank Platinum Card. Great card for travel.
Have unlimited premium lounge access at 17 international airports,but require 3 overseas transactions or airport transactions for each entry before or after 30days you enter the lounge. (online transaction not included)
every RM1 spend overseas = 2 points (RM1 = 1point in Malaysia)
Points can used to exchange air miles also.
RM1 mil travel insurance covered.

Extra:
spend RM1600 get RM650 cash rebate within two months (with supplementary card)
spend RM800 get RM300 cash rebate within two months (without supplementary card)
(this cash rebate is one time benefit only)

Hilton dining 1 year membership


» Click to show Spoiler - click again to hide... «


This post has been edited by juiceaddicted: Sep 21 2015, 08:40 PM
juiceaddicted
post Sep 21 2015, 08:43 PM

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QUOTE(fruitie @ Sep 17 2015, 10:35 PM)
Well, I used to have RHB Plat and I have terminated it about a month ago because it has no benefits though it gives 4x PPL access per calendar year. On paper, you need to spend 36k per annum to waive its AF. However, when I requested to terminate it, the lady from retention department called and offered me free AF until 2018 if I'm not wrong. Anyway, I still proceeded to cancel it because it has no benefits and gave me the highest credit limit which will increase my credit exposure.

I also have the AmBank Plat which I find it more suitable for my usage as it also gives PPL access to some overseas PPL for e.g. Changi Airport and Beijing International Airport which I always frequent. It gives unlimited access but every access comes with a condition you will need to swipe 3x in overseas 60 days before/after your PPL visit. Yes, it's a free for life card.

If you want a hassle free card, you can try Aeon Gold which gives free 6x PPL for KLIA/KLIA2 per calendar year. To waive its AF, you only need to swipe 12x a year. Easy peasy. Moreover, it has one of the lowest overseas charges. Else, you can try the latest new card-Aeon Big Gold which has the same PPL benefit as Aeon Gold but not sure of its overseas charges.

Hope the above helps.
*
The ambank premium access changed to 3 swipes within 30days

This post has been edited by juiceaddicted: Sep 21 2015, 08:44 PM
juiceaddicted
post Sep 21 2015, 08:47 PM

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QUOTE(cyclone9 @ Sep 20 2015, 08:20 PM)
quota still available?
*
Yes quota still available.
I am from outsource agency for 10+ banks included Ambank.
The quota still got lot to go, pm me if you interested to get more advice from me. Neutral advice since representing 10+ banks.
fruitie
post Sep 21 2015, 11:31 PM

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From: KUL
QUOTE(juiceaddicted @ Sep 21 2015, 08:43 PM)
The ambank premium access changed to 3 swipes within 30days
*
I wanted to type 30 days but put it as 60 days. blush.gif
Best property review
post Sep 22 2015, 09:27 AM

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Can anyone recommend a good credit card with cash back for the payment of insurance premium?
victorywp
post Sep 22 2015, 09:44 AM

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QUOTE(Best property review @ Sep 22 2015, 09:27 AM)
Can anyone recommend a good credit card with cash back for the payment of insurance premium?
*
aeon watami, hlb essential.
pangch
post Sep 22 2015, 05:14 PM

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which cc nice to use when cash back on petrol and pay for mobile bill ???
fruitie
post Sep 22 2015, 05:23 PM

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From: KUL
QUOTE(pangch @ Sep 22 2015, 05:14 PM)
which cc nice to use when cash back on petrol and pay for mobile bill ???
*
If you don't mind to pay RM 160 annual fees (first year is waived), you can try HLB Wise. smile.gif
It has some criteria to achieve though, check out its individual thread on this section. smile.gif
azizikhan
post Sep 23 2015, 01:31 PM

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Joined: Sep 2015
From: Sydney, Australia
Hi all, newbie here.

Moving back to Malaysia from overseas. I need some card recommendations

1. Annual Income: 400K

2. Free Lifetime Annual Fee: Not Necessary

3. Card required for: for airport lounge, travel, eating out

4. Existing credit cards if any: Australian NAB VISA/AMEX credit limit RM75K

5. Looking at CC from: Points/Rewards

6. Others: Aim to collect cc. Benefits, Lifestyle

Looking for a good card(s). I mainly like to eat out in nice restaurants and/or travel. What would be a good top tier card for me ?

I haven't worked in Malaysia for over 16 years. Been living in Australia. Now heading back with new job in KL. So would it be hard to get a premium card ?

AK

This post has been edited by azizikhan: Sep 23 2015, 01:52 PM
fly126
post Sep 23 2015, 11:17 PM

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QUOTE(azizikhan @ Sep 23 2015, 01:31 PM)
Hi all, newbie here.

Moving back to Malaysia from overseas. I need some card recommendations

1. Annual Income: 400K

2. Free Lifetime Annual Fee: Not Necessary

3. Card required for: for airport lounge, travel, eating out

4. Existing credit cards if any: Australian NAB VISA/AMEX credit limit RM75K

5. Looking at CC from: Points/Rewards

6. Others: Aim to collect cc. Benefits, Lifestyle

Looking for a good card(s). I mainly like to eat out in nice restaurants and/or travel. What would be a good top tier card for me ?

I haven't worked in Malaysia for over 16 years. Been living in Australia. Now heading back with new job in KL. So would it be hard to get a premium card ?

AK
*
Maybank 2 Cards Premier is the Best Card in Malaysia, so far...
http://generationsxyz.blogspot.com/2014/03...prehensive.html
OR
AmBank World MasterCard
http://generationsxyz.blogspot.com/2014/12...d-and-visa.html
azizikhan
post Sep 24 2015, 06:32 AM

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Joined: Sep 2015
From: Sydney, Australia
QUOTE(fly126 @ Sep 24 2015, 02:17 AM)
Maybank 2 Cards Premier is the Best Card in Malaysia, so far...
http://generationsxyz.blogspot.com/2014/03...prehensive.html
OR
AmBank World MasterCard
http://generationsxyz.blogspot.com/2014/12...d-and-visa.html
*
Appreciate your response. I read both links. Thanks they look promising. How would either of this compare with Amex Platinum Card ? Are they comparable ?

AK
fly126
post Sep 24 2015, 01:52 PM

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QUOTE(azizikhan @ Sep 24 2015, 06:32 AM)
Appreciate your response. I read both links. Thanks they look promising. How would either of this compare with Amex Platinum Card ? Are they comparable ?

AK
*
Maybank 2 Cards Premier (Visa Infinite + Amex Reserve)
* Annual fee: RM800 but it's Auto Waive-able by RM80,000 spend, Yearly
* Earn Us up to 5x Treat Point (TP) local or Overseas spend, Treats Point (TP) = 3 Years Validity
* Visa Infinite come with the Priority Pass Membership card: 5X FREE access to Plaza Premium Lounges nationwide
* 50% savings on F&B at Shangri-La Kuala Lumpur
* Enrich Miles Conversion: 4500 Treats Points = 1000 Enrich Mile = RM0.90 spend = 1 Enrich Mile, the Best Card to earn Air miles (conversion)... thumbup.gif

Amex Platinum Credit Card
* Annual fee: RM800, NOT Waiveable
* Give Us 5x Membership Rewards points spend on groceries, Petrol, Cinema, Bookstores & Teleco, 2x MR on Others spend. Membership Reward Point (MR) = Evergreen, It X Expire...!
* UNLIMITED entries to Plaza Premium Lounges nationwide... thumbup.gif
* 50% savings on F&B at Shangri-La Hotel, Kuala Lumpur
* Enrich Miles Conversion:5600 Membership Reward points = 1000 Airmiles. = RM1.12 spend = 1 Enrich Mile
Note: But, Somehow Amex NOT Widely accepted by some Merchants in Other states if Compare to KL, Penang, Johore... sweat.gif

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

AmBank World MasterCard/Visa Infinite
* Annual Fee: Free for Life with NO T&C attached... thumbup.gif
* 5X AmBonus Points for overseas spend, NO Rewards Point for Local Spend
* Unlimited Premium lounge access at 17 international airports, but require 3 overseas transactions or airport transactions for each entry before or after 30 days you enter the lounge (online transaction not included)... thumbup.gif
* Enrich Miles Conversion: 5000 AmBank Points = 1000 Enrich Miles = RM1 spent overseas = 1 Enrich Mile
* 1 Year Complimentary Hilton Premium Club Membership Card, It's Free Extended with a accumulated yearly spend of RM30,000 on the Ambank World MasterCard/Visa Infinite

http://generationsxyz.blogspot.my/2014/11/...t-cards-in.html

This post has been edited by fly126: Sep 25 2015, 02:29 AM
KenYoung
post Sep 26 2015, 01:39 AM

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Junior Member
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Joined: Sep 2008
1. Annual Income: FRESHIE

2. Free Lifetime Annual Fee: Preferably NO but if benefits/cash back gains can cover the Cost of Fee then OK

3. Card required for: Get returns frm Common things we pay for everyday like Petrol, Cash Back/Rebate, Discounts

4. Existing credit cards if any: None , but my family has cards like Aeon, UOB, RHB, etc - can ask them to give me supp.

5. Looking at CC from: Any CC with good benefits
victorywp
post Sep 26 2015, 08:18 AM

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From: Her Heart
QUOTE(KenYoung @ Sep 26 2015, 01:39 AM)
1. Annual Income: FRESHIE

2. Free Lifetime Annual Fee: Preferably NO but if benefits/cash back gains can cover the Cost of Fee then OK

3. Card required for: Get returns frm Common things we pay for everyday like Petrol, Cash Back/Rebate, Discounts

4. Existing credit cards if any: None , but my family has cards like Aeon, UOB, RHB, etc - can ask them to give me supp.

5. Looking at CC from: Any CC with good benefits
*
uob one or hlb wise
kart
post Sep 27 2015, 03:19 PM

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Senior Member
1,603 posts

Joined: Aug 2014
1. Annual Income: RM60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: payment for Streamyx, electricity and mobile phone bill.
Occasional pharmacy purchase, but not frequent.
Grocery and petrol transactions are now paid with Maybank Islamic MasterCard Ikhwan Card.

4. Existing credit cards if any: Maybank 2 Cards, Maybank Islamic MasterCard Ikhwan Card.

5. Looking at CC from: Perhaps Hong Leong Wise Card.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

I just want to make sure that Hong Leong Wise Card suits my purpose well. Of course, other suitable credit cards can be proposed as well. smile.gif
victorywp
post Sep 27 2015, 05:26 PM

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Joined: Oct 2013
From: Her Heart
QUOTE(kart @ Sep 27 2015, 03:19 PM)
1. Annual Income: RM60K. Willing to accept card with lower credit limit, as long as the benefits from the card are worthy.

2. Free Lifetime Annual Fee: A Must. Card with annual fee can be acceptable, if the annual fee can be offset with the card benefits.

3. Card required for: payment for Streamyx, electricity and mobile phone bill.
Occasional pharmacy purchase, but not frequent.
Grocery and petrol transactions are now paid with Maybank Islamic MasterCard Ikhwan Card. 

4. Existing credit cards if any: Maybank 2 Cards, Maybank Islamic MasterCard Ikhwan Card.

5. Looking at CC from: Perhaps Hong Leong Wise Card.

6. Others: Prefer cashback, but points is acceptable, if the points are worthy.

I just want to make sure that Hong Leong Wise Card suits my purpose well. Of course, other suitable credit cards can be proposed as well.  smile.gif
*
yes, if your bills are high enough to be separated into a few rm50, you may consider hlb wise. so you may choose utility+*grocery/petrol+mobile(bonus).

*since grocery and petrol already covered by your mbb ikhwan, you may consider either grocery or petrol as your backup choice to make it easier for you to achieve rm50 x 10 (in case you couldn't make it in certain months).
justice_alive
post Sep 28 2015, 09:16 AM

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Junior Member
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Joined: Sep 2015
1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: free, but there is card which is good that have to pay a little annual fees, please recommend it to me. smile.gif

3. Card required for: EZ payment 0% interest with 2 years period availability.

4. Existing credit cards if any: Nil. but i have maybank debit card, dont know it relates or not.

5. Looking at CC from: Citibank or hong leong, if there's better choice please recommend thanks smile.gif

6. Others: Just want to buy something with EZ payment for better personal cash flow and having some rewards or cash back if possible.


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