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

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KenYoung
post Sep 26 2015, 01:39 AM

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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
KenYoung
post Oct 13 2015, 01:27 PM

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QUOTE(fruitie @ Oct 7 2015, 07:35 PM)
Utilities can try HLB Wise or PBB VS.
Insurance can take Aeon Watami for 3% per quarter, maximum up to RM 150 cash back per quarter.
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QUOTE(Human Nature @ Oct 9 2015, 11:56 AM)
Have a look at aeon watami. 3% cashback on all except petrol but spending requirement is min 3000 in a quarter. max rebate per quarter is RM150.
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Just got my First card today... Uob 1 plat..
But notice I must find a better card for unifi and GE insurance...
Will the Aeon watami be a fit ? 3% on everything ? Including dedicated pubs and Bars (don't see them serving food)?

This post has been edited by KenYoung: Oct 13 2015, 01:27 PM
KenYoung
post Oct 13 2015, 04:50 PM

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-double post -deleted

This post has been edited by KenYoung: Oct 13 2015, 09:57 PM
KenYoung
post Oct 13 2015, 06:30 PM

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QUOTE(rapple @ Oct 13 2015, 01:54 PM)
Watami get 3% on everything except Petrol only.
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QUOTE(Human Nature @ Oct 13 2015, 04:08 PM)
Yup, my most flexible card
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My mom got the Gold Aeon.. how does it differ with the Watami?
KenYoung
post Oct 13 2015, 09:59 PM

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QUOTE(Human Nature @ Oct 13 2015, 06:32 PM)
Aeon gold does not offer any permanent cash back feature, only points collection and cashback during certain promo
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Is there anything which Aeon gold has watami doesn't ?
KenYoung
post Oct 13 2015, 11:02 PM

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QUOTE(fruitie @ Oct 13 2015, 10:13 PM)
Plaza Premium Lounge, 6x per calendar year. Can use to access to KLIA and KLIA2 PPL.
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Hey thanks...Is that all? If yea, then Mayb not so ngam for us.... We don't travel a lot.
KenYoung
post Oct 13 2015, 11:56 PM

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QUOTE(fruitie @ Oct 13 2015, 11:07 PM)
That's all I can think of now.

It is better to apply for Aeon Watami, at least you get to have cash rebate. smile.gif
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QUOTE(Human Nature @ Oct 13 2015, 11:17 PM)
Yes, for example PPL lounge access. Maybe you can refer to the website to compare both of them
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damn.. shouldve known about the Watami... even drinking places also entitled 3% CB? i go out drinking a lot with friends.. lol.. easily 400-500 per a night each time.. thats quite a lot of CB.

prolly gonna ask my mom to dish the Gold and supp me a 2nd card.. lol. all points whatsoever can be transferred right?

UOB's plat card also should keep for 10% grocery CB right...
KenYoung
post Oct 14 2015, 06:49 AM

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QUOTE(blogomatic @ Oct 14 2015, 12:10 AM)
using mother's money to go drinking 400-500 per night each time. so bahagia.
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Excuse me... Did I say anything about using my parent's money? I want a card so I can manage my finances only...

Doesn't mean what a supp holder spend the principal bear the payment.. I want the card to save whatever I can with CBs... 400-500 is amount I can sign while collecting Frm those who join me...
All this while I been using my own cash which I earn myself.. And I hereby promote to all whoever don't mind venture into gray area to earn money can PM me biggrin.gif

Now only I start to think about having CBs...

Prolly ure the 1 who has such intentions that's why u so bahagia smile.gif

QUOTE(fruitie @ Oct 14 2015, 12:21 AM)
No UOB card gives any 10% for groceries, please check again.

Read these only if you are not easily offended. Friendly reminders:
i) As freshie, learn how to earn instead of spend.
ii) Take good care of your health instead of drinking so much.
iii) Since you have started to earn your income, learn to manage your own financial. Rather than asking your mum to supp you more cards, apply them yourself. If cannot achieve that, wait until the time comes. I was also a supplementary card holder of my sister during my university days, it was just for emergency purpose and to pay for fees (if required, since paid by PTPTN). Right after I started to work and once I got 3 months of payslip, I applied and got my first card and immediately asked my sister to terminate the supplementary card. I learn what is discipline and etc. 6 years since I started working and owned my own CC, I have never owed bank a single cent or let them earn interest from me.
iv) Those aside, I did go out with my friends and enjoy my life too. Those seasoned forummers in this section will roughly know about my lifestyle. laugh.gif
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Thanks smile.gif
Appreciate this...

Uob lady card everyday 10% grocery rebate , no? http://www.uobladys.com/my/whatshot/index.html HumanNature

But ya ,as stated above.. Most of my own expenditures is on me since I grad a year ago....Insurance, unifi, car repayment, etc.
that's why when I stumble across this thread I'm searching ways to save any cent I can with CBs..

My mom plat status should help me earn more quota for CBs?(pls advise)

What I earn is frm gray area so I don't know how to really declare-Anyway the amount isn't that substantial..

I Got online business also (with Maybank sole prop corporate acc)but don't know how to submit to apply card with good Benefits..

For instance Aeon watami I should be able get myself but no pay slip how to go about it? Personal or my corporate current acc. Statement can? (Advise pls)

With a supp card I'll save what I can for now... That's all thanks

This post has been edited by KenYoung: Oct 14 2015, 05:47 PM
KenYoung
post Oct 14 2015, 10:40 AM

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QUOTE(fruitie @ Oct 14 2015, 10:34 AM)
For the UOB Lady only limited to four supermarkets and it will end on 31.12.2015. It's not a permanent benefit plus it has a monthly allocation of RM 150k which is on first come first serve basis. Moreover, I'm not sure if they allow a male applicant to apply for this card even though as supplementary card holder. http://www.uobladys.com/uobladys/my/assets...ly10_tnceng.pdf

If no payslip but if you contribute to EPF, some banks will accept EPF statement as well. Some will allow bank statement and even to pledge Fixed Deposit to get it.

However, Aeon is not a bank but only a credit institution so you will need to check with them on the requirements besides payslip.
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No it doesn't allow me to have the lady plat supp card... But the main reason I was mentioning about this card is to bring up if it's worth keeping or dishing.. Lol
KenYoung
post Oct 14 2015, 05:48 PM

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QUOTE(fruitie @ Oct 14 2015, 10:43 AM)
Not worth keeping at all. By the time your mum gets the card, it's about time the promo will end.
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errr.. she already has the card. its just about whether to keep or discard it only since now she has UOB ONE plat....... and im gonna ask her get the watami.. gonna try apply my own watami also with my corporate current acc.
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