Also the AMEX Platinum Card is "invite only". What is the normal process to get invited to this ? Get the Platinum Credit Card and get invited ? Get a Gold Charge Card then get invited ? Any suggestions would be helpful.

Thanks again!

you may have a Amex platinum charge card but it won't be widely accepted unless you have Visa/Master as well. You will be disappointed if you have only Amex Plat charge. Trust me, I had it in the past.

Anyway with your income, you qualify to get it, just be prepared to pay more than 2k annual subs.

Thanks mate, appreciate the feedback. I plan to get the AMBank Visa Infinite as well. Usually in Australia I pair my VISA with AMEX because it provides best points/rewards. I wish to do the same in Malaysia.

As for the Platinum Card, I'll also be travelling a lot so it has more value for me in hotels etc. For everything else I'll use my AMBank Infinite Visa.


Points conversion will be into Enrich primarily or One World partners.

Cheers,
AK

Why didn't you take Maybank 2 Cards Premier? https://forum.lowyat.net/topic/3135958

It's on my list too at the moment. Just that I'm leaning more towards the other bank because I will be working for them...

Other than that I thought very highly of Maybank 2 Cards Premier.

Mind you I haven't been living or working in Malaysia for over 16 years so I have limited view based on what I read... I can tell you that you get so much more credit card benefits than in Australia. Promotions in Australia are often boring...unless its concert tickets etc.

Cheers,
AK

You can have AmBank and Maybank as well, no restrictions on your cards quantity so long banks approve.

guys please help?

Hey Fruitie,
Thanks for your response. That is an option too. I don't have any issue with credit (pre-condition for working in a bank ) so it should be OK. Once I come back (Nov) and start working I'll will look into this seriously.

Do you know what would be an average credit limit for these cards ?

Cheers,
AK

Ez payment 0% mostly for 12 months only.

How to recommend to you?

Citibank can forget it. Hardly will approve without 1 year record of holding another card.

MBB Premier limit can be "tailor-made" to suit your spending.

You should get around 20k~30k at least, if your salary does qualify.

Signatures limit is around 20k at least, and an Infinite is around 30k.

Premier should be around that range.

Just my RM 0.02 sen bro, I have had Citibank cards both in Malaysia and Australia before and i found their service staff to be very arrogant and not helpful. I subsequently cancelled both of them. Not sure how it is now in Malaysia.

Also another small advice if I may. Get something small, don't care what. My first card even in Australia was AUD 1k. Pay on time and grow your credit rating first. Then you move to "popular" cards slowly. If kena reject big cards wont look good on credit profile.

Cheers,
AK

Thank you for your response. That sounds fine to me. Good enough to get started back in KL!

Cheers,
AK

Let me assume you are new to CC and you would like to use it for 0% installment. So it is good you apply from banks with a vast merchant acquiring network eg Maybank , CIMB. Maybank requirement is a minimum 30k, so I could only recommend CIMB Rebate MasterCard to you.

Let me be frank to you, getting first credit card for installment purpose is definitely not a good practice. Buy only if you can afford. Save first.

For Maybank 2 Cards Premier usually starts from RM 30k.
All the best!

Thank you! Appreciate your assistance.

PS : If anyone help me answering the AMEX Platinum query would be great. (How to get invited ?)

Cheers,
AK

CIMB can't call in to convert for installment.

So either he has to swipe the merchant that offers 0% EPP or he won't have the chance to do EPP

Not many merchant offers 0% for CIMB thou.

Tiffany and Co is the only 1 I remembered having 0% EPP

No need to get invited. Go to any Maybank and ask to apply. If you're overseas, ask them to email you the application form

Hello guys, need recommendation.

1. Annual Income: RM48k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Primarily for travel purposes

4. Existing credit cards if any: Nil

5. Looking at CC from: Nil

6. Others: Currently salary using Maybank

Thanx in advance!

Im new to credit card .. please ignore my lack of knowledge..
what u mean get something small?
actually i plan to get citibank clear card.. not sure its good or not..

Well what do u think about citibank clear card?
some place says that it has free annual fees,
but its website only says that it is only free by one year..

well.. buying things with instalment just part of the reason that i am going for a credit card..
i also wants rewards on what i spend and enjoy some benefits by applying a credit cards.
actually i have little money saving on what i am going to buy.. so im basically prepared..
just instalment will make my life easier for not spending a whole amount to get one item.

Means get a credit card with low limit?

If you bother to read my reply, I already mentioned that it's nearly impossible to get approved on a Citibank card without a 1 year record of holding another card.

Basing solely on your salary, you can get UOB One, HLB Mach, CIMB CR Mastercard and Aeon card.

Their benefits and perks, please head to respective threads and read up.

Hi xperts,

Salary ~ 60k/annual
I've applied few CB cc for last 2 months, UOB one card, UOB lady, Citibank CB, CIMB CB, HLB Wise, HLB Essential, AEON
Below is my spending pattern.

HLB wise - Dining & Fuel

Petrol: 200~300 --> HLB Wise 10%
T&Go: 100 --> CIMB @ Sam Grocer for 2% CB and RM10 voucher
Groc: 100 --> UOB lady 10%, AEON (20th 5% cb), CIMB 2%
Guardian: 100 -->Citibank 2%
Streamyx: 120 --> ??
TNB: 120 --> ??
Astro: 90 --> CIMB online 5%, any better choice?
Dining: 150~200 --> HLB Wise 10%
Insurance: 500 --> any recommend ? Not sure if Essential entitle 1% on this
phone (prepaid): 65 --> CIMB 5% online thru shopback
phone (Postpaid): 150 --> HLB Wise 10% (bonus)

Wonder if there is any way can get CB on those highlighted in red and do advise or suggest any trick or cards that I can max out my CB