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Recommendation for Credit Cards V3, Please post according to Format stated.
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eternity4av
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 Dec 22 2015, 06:42 PM
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1. Annual Income: RM36K
2. Free Lifetime Annual Fee: Preferred None or Lowest Possible.
3. Card required for: Recurring [Fuel (Petronas / Petron / Shell), Bill (Unifi, Digi, Celcom), Secure Parking, Real-Debrid, Google Play, Insurance (Every 6 months), Spotify], Installments Plan, Cash Back & Rebates.
4. Existing credit cards if any: MBB 2 Card
5. Looking at CC from: HLB Essential
6. Others: It will be my secondary card. Ikhwan got rejected.
This post has been edited by eternity4av: Dec 22 2015, 07:09 PM
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eternity4av
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Jan 31 2016, 05:09 PM
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QUOTE(eternity4av @ Dec 22 2015, 06:42 PM) 1. Annual Income: got revised to RM39.2K, is allowances counted as income as well? If yes, then RM43.2K
2. Free Lifetime Annual Fee: Preferred None or Lowest Possible. 3. Card required for: Recurring [Fuel (Petronas / Petron / Shell), Bill (Unifi, Digi, Celcom), Secure Parking, Real-Debrid, Google Play, Insurance AIA (Every 6 months), Spotify], Installments Plan, Cash Back & Rebates. 4. Existing credit cards if any: MBB 2 Card 5. Looking at CC from: HLB Essential? OCBC Great Eastern? CIMB Cash Reward Platinum? 6. Others: It will be my secondary card. Ikhwan got rejected. I remembered a senior recce me CIMB CR Platinum before this when my income is RM36K annually, would it be the same now? Please advise. Appreciate it lots. |
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eternity4av
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Apr 7 2016, 09:11 AM
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QUOTE(fruitie @ Apr 6 2016, 11:39 AM) I have came up with a summary before for these two cards: Hi senior, so in my case, I have MBB2Cards Gold currently, in the process of applying UOB VOX for my Unifi payments, I knew the best next card to have is CIMB CR, but the petrol CB is only 2%? As my monthly petrol fees is hovering around RM320-RM340 range. Would Al-Ikhwan would be better options then since its 5%, although rejected? I was wondering to try to appeal, with reducing my current MBB2Cards credit limit and bring it over to Al-Ikhwan, hmm. |
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eternity4av
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Jul 17 2016, 11:43 AM
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Current card in hand : M2C Gold, HLB Mach Visa, UOB One Plat Visa, VOX Visa, HSBC Amanah Mpower Platinum I Visa. May I know any of the cards above equivalent benefits from MasterCard instead? Annual income of RM50k.
Because heard that Visa Credit Card have higher fraudulent rate compared to Master Card.
This post has been edited by eternity4av: Jul 17 2016, 11:59 AM
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eternity4av
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Aug 15 2016, 11:13 AM
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QUOTE(boland89 @ Aug 15 2016, 10:45 AM) 1. Annual Income: Around RM35k 2. Free Lifetime Annual Fee: Yes 3. Card required for: - Petrol - shell - Bills - Online or electronic purchase - home appliance 4. Existing credit cards if any: None 5. Looking at CC from: any recomended 6. Others:im just married and cant afford to home appliance but still need the basic one. so im looking for cc that have 0% interest rate i think maybank is well acceptable for 0% epp. you can apply the ikhwan master card to get petrol, also for the epp. online you can seek for either uob vox or cimb cash rebate master plat. |
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eternity4av
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Aug 15 2016, 11:17 AM
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QUOTE(boland89 @ Aug 15 2016, 11:16 AM) alright thanks alot. for petrol only petronas to get CB?i usually use shell. you can use petronas with maybank islamic ikwan but only friday & saturday entitled for 5% CB |
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eternity4av
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Aug 31 2016, 03:53 PM
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1. Annual Income: RM50k - RM55k
2. Free Lifetime Annual Fee: A Must or Easy waivable
3. Card required for:
Insurance AIA Monthly
Secure Parking Monthly
Unifi Monthly
Celcom Monthly
TouchnGo Monthly
Food
Petrol
4. Existing credit cards if any: Maybank Ikhwan Islamic Mastercard, CIMB Cash Rebate Platinum Mastercard, HSBC Amanah M-power Platinum Visa, Mach Hong Leong Visa, Maybank 2 Card Gold, UOB One Platinum Visa, UOB VOX Visa
5. Looking at CC from: Any
6. Others: To reduce number of cards, while getting the highest cash back efficiency along with the closest UOB VOX replacement alternatives.
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eternity4av
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Oct 21 2016, 08:59 AM
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QUOTE(fruitie @ Oct 20 2016, 11:16 AM) TNB, SAJ (if is available via online), you can try HLB Wise. Minimum spending of RM 2k for RM 100 cash back. You can add utilities and another category (e.g. groceries, petrol). Free category will be mobile which you can use for your U Mobile and Celcom. As for Astro, you can use CIMB Cash Rebate Plat. Telekom, no credit card gives direct cash back unless you use PBB VS but that requires minimum income of RM 100k per annum. You can pump into HLB Wise as well to make it achieve RM 2k spending per month or you will have to apply an AEON card and pay it via UOBPayOnline/TM Portal. Then, pay back to AEON via PosOnline using CIMB CR but you will be charged with 2.12% service charge. If you want to make your life easier, then just apply a HLB Wise and charge above to the card, you will be guaranteed with RM 100 cash back per month. Hi senior fruitie, what about CIMB CR to POS Online for Unifi, will I get it? |
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