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

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victorywp
post Nov 17 2015, 12:12 PM

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QUOTE(Kr0ll3R @ Nov 17 2015, 09:21 AM)
Thx. I read before that UOB likes to revise their T&C and there's  an allocated sum of total cashback, first come first serve.
Will dig out at night, currently on mobile.
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no more such t&c after the last update.
Kr0ll3R
post Nov 17 2015, 12:14 PM

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QUOTE(fly126 @ Nov 17 2015, 10:38 AM)
U should get CIMB Rebate Mastercard for your Daily Usage, it's Free for Life
OR
How About Citibank CB Card, 5% cash back on Petrol...!?
But beware of their AF...!!!
https://forum.lowyat.net/index.php?showtopic=3672923
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Guess I'll go with CIMB(mostly) or maybe UOB one.
The Citibank annual cashback after deduct annual fees, total save at about rm52.

QUOTE(laymank @ Nov 17 2015, 10:41 AM)
AEON Big Gold Card - 5% petrol on Sundays + 6x PPL accesses.
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I'm looking for an alternative card on everyday usage not just specific day,as I have ikhwan for weekend.
Thank you for the recommendation nevertheless.


QUOTE(victorywp @ Nov 17 2015, 12:12 PM)
no more such t&c after the last update.
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Thank you for highlighting it up. Will read back the t&c.

This post has been edited by Kr0ll3R: Nov 17 2015, 12:20 PM
Devil4life
post Nov 17 2015, 01:10 PM

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QUOTE(Kr0ll3R @ Nov 17 2015, 12:14 PM)
Guess I'll go with CIMB(mostly) or maybe UOB one.
The Citibank annual cashback after deduct annual fees, total save at about rm52.
I'm looking for an alternative card on everyday usage not just specific day,as I have ikhwan for weekend.
Thank you for the recommendation nevertheless.
Thank you for highlighting it up. Will read back the t&c.
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UOB One if pump at BHP is one of the better option

Weekdays : 2% CB + 2% Smartcash
Weekend : 5% CB + 2% Smartcash

Annual fees might be your concern but 1st year is waived. Subsequent years might need to call to threaten cancel card. Thus far that option works for me.

If can't waive just stop the card last month before anniversary month and use up all remaining smartcash
laymank
post Nov 17 2015, 04:08 PM

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QUOTE(Kr0ll3R @ Nov 17 2015, 12:14 PM)

I'm looking for an alternative card on everyday usage not just specific day,as I have ikhwan for weekend.
Thank you for the recommendation nevertheless.

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I am well aware that you are looking for everyday card.

But the cards that gives you those benefits are all higher end cards (i.e. Signature) which you will have to meet the minimum income requirements.

if AF is not an issue, UOB One as suggested above might be your choice.
Duckies
post Nov 17 2015, 04:42 PM

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Looking for a good petrol (BHP) credit card for my dad. His petrol usage is more than RM1000 every month. Preferable not limited to weekends only. He hate using credit card at the card slot machine in petrol station so Hong Leong Wise is not good for him...he prefer giving it to the cashier and signing it...duh.

So far I only see Maybank Islamic MasterCard Ikhwan Gold or UOB one card hmm.gif

This post has been edited by Duckies: Nov 17 2015, 04:51 PM
MarketingDude
post Nov 17 2015, 05:34 PM

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1. Annual Income: RM60k excluding allowance

2. Free Lifetime Annual Fee: not a must

3. Card required for: Petrol, dining/ drinking, hotel

4. Existing credit cards if any: UOB one card

5. Looking at CC from: HLB wise card

6. Others: I'm looking for an alternative Petrol CC on days besides weekend. I also do a lot of entertainment like dining and drinking. I also spend few hundred on hotel every month.

Dear all sifus, please recommend me a most relevant card.

psychicd
post Nov 17 2015, 05:38 PM

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what if i want to use only once..just to pay my debt since they give me discount until the end of the year..a very good discount..any recommendation of using credit card to pay the debt..thanks..

Annual Income:RM30K

This post has been edited by psychicd: Nov 17 2015, 05:39 PM
fruitie
post Nov 17 2015, 08:12 PM

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QUOTE(psychicd @ Nov 17 2015, 05:38 PM)
what if i want to use only once..just to pay my debt since they give me discount until the end of the year..a very good discount..any recommendation of using credit card to pay the debt..thanks..

Annual Income:RM30K
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Aeon Watami.

Provided it is not a loan, you cannot pay a loan with a credit card.
psychicd
post Nov 17 2015, 08:16 PM

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QUOTE(fruitie @ Nov 17 2015, 08:12 PM)
Aeon Watami.

Provided it is not a loan, you cannot pay a loan with a credit card.
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it's not a loan..it's my wife credit card debt..
fruitie
post Nov 17 2015, 10:34 PM

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QUOTE(psychicd @ Nov 17 2015, 08:16 PM)
it's not a loan..it's my wife credit card debt..
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There's company that helps to settle credit card debt? unsure.gif
psychicd
post Nov 17 2015, 11:43 PM

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QUOTE(fruitie @ Nov 17 2015, 10:34 PM)
There's company that helps to settle credit card debt? unsure.gif
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she got credit card years ago and canceled it already..until now there is still balance that was not settled..

last week got lawyer letter and she want to lump sum it by the end of the year to clear her name from blacklist..

the discount they gave if pay lump sum is very huge in different..
fruitie
post Nov 17 2015, 11:57 PM

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QUOTE(psychicd @ Nov 17 2015, 11:43 PM)
she got credit card years ago and canceled it already..until now there is still balance that was not settled..

last week got lawyer letter and she want to lump sum it by the end of the year to clear her name from blacklist..

the discount they gave if pay lump sum is very huge in different..
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I see, then you can apply Aeon Watami for 3% cash back but maximum is RM 150.
If super huge amount, then can try HLB Essential, 1% unlimited.

This post has been edited by fruitie: Nov 17 2015, 11:58 PM
psychicd
post Nov 18 2015, 05:57 AM

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QUOTE(fruitie @ Nov 17 2015, 11:57 PM)
I see, then you can apply Aeon Watami for 3% cash back but maximum is RM 150.
If super huge amount, then can try HLB Essential, 1% unlimited.
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thank you sis.. biggrin.gif

will check both first.. notworthy.gif
S-Y-H
post Nov 19 2015, 03:30 PM

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Hello!

Any sifus can advise on a card that suits my needs below?

1. Annual Income: 50K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash back

4. Existing credit cards if any: Maybank 2 Gold Cards + OCBC Titanium

5. Looking at CC from: Any

6. Others: I use KLIA/KLIA2 on a frequent basis. Card mostly used on petrol, groceries, insurances, internet and phone bills, online purchases.
rapple
post Nov 19 2015, 03:44 PM

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QUOTE(S-Y-H @ Nov 19 2015, 03:30 PM)
Hello!

Any sifus can advise on a card that suits my needs below?

1. Annual Income: 50K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash back

4. Existing credit cards if any: Maybank 2 Gold Cards + OCBC Titanium

5. Looking at CC from: Any

6. Others: I use KLIA/KLIA2 on a frequent basis. Card mostly used on petrol, groceries, insurances, internet and phone bills, online purchases.
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Maybank Ikhwan Card for 5% petrol and groceries on Fri & Saturday cap at RM50 per month.

Watami card - min. RM3k per quarter to get 3% rebate on everything except petrol cap at RM150 per quarter.



AidanCheah
post Nov 19 2015, 05:30 PM

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sifus out there - any know which credit card is best to build up enrich miles? maybank 2 premier cards, cimb enrich or citibank's miles conversion card? thanks.
KageBunshi
post Nov 19 2015, 05:45 PM

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Hi
My new house gonna be ready soon. So I'll be spend a lot of money on furniture and electrical appliance. Any credit card to recommend so that I can some cash back/reward back from all this purchase.
Currently thinking of Aeon Watami and HLB Essential.
Any card that I might miss out?
Thanks
!@#$%^
post Nov 19 2015, 05:46 PM

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QUOTE(KageBunshi @ Nov 19 2015, 05:45 PM)
Hi
My new house gonna be ready soon. So I'll be spend a lot of money on furniture and electrical appliance. Any credit card to recommend so that I can some cash back/reward back from all this purchase.
Currently thinking of Aeon Watami and HLB Essential.
Any card that I might miss out?
Thanks
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yup. hlb essential for unlimited 1% cashback
kaffra
post Nov 20 2015, 09:12 PM

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hi would appreciate some recommendations,

1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Supplement card for parents to use on petrol, groceries. cash advance option.

4. Existing credit cards if any: HSBC

5. Looking at CC from: Maybank, Cimb

6. Others: main use would be from supplement card for local use.

Thanks

victorywp
post Nov 21 2015, 09:44 AM

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QUOTE(kaffra @ Nov 20 2015, 09:12 PM)
hi would appreciate some recommendations,

1. Annual Income: RM180K and above.

2. Free Lifetime Annual Fee: Preferred

3. Card required for: Supplement card for parents to use on petrol, groceries. cash advance option.
                             
4. Existing credit cards if any: HSBC

5. Looking at CC from: Maybank, Cimb

6. Others: main use would be from supplement card for local use.

Thanks
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mbb ikhwan 5% for petrol and grocery on friday and saturday. free for life card.

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