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

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fly126
post Jul 17 2015, 03:46 AM

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QUOTE(tunasandwich @ Jul 17 2015, 02:58 AM)
.=
Got a question for Hong Leong Bank Essential Visa. does it include any kind of expenditure? Like pay for insurance for example, can get 1% rebate?
*
Yup, 1% Unlimited CB with Any Retail Spend, the Only CON's: NO Cash Back on Petrol Purchase... rolleyes.gif
(Cash Back is subject to min. retail spend of RM100 /month)

This post has been edited by fly126: Jul 17 2015, 09:38 PM
fly126
post Jul 18 2015, 01:13 AM

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QUOTE(tunasandwich @ Jul 18 2015, 12:02 AM)
Thx for the info. Really appreciate it.

But sorry ya, just to clarify again, the "retail spend" of RM100/month is still quite unclear. Does it mean any kind of expense also count? Or does it mean have to spend at a retail shop or something?
*
Retail Spending (Transaction) = All Purchases of Goods or Services (including all the Billing, Insurance, Quit Rent (Cukai Tanah or Assessment Fee) Online Purchase also Consider as Retail Spending, when it's Charging Our Credit Card.

But, NOT with: ALL Cash Advances, Balance Transfer, Installment Payment Plan, other Credit Plan, Annual Fee & Charges... smile.gif

Retail Spending (Transactions):
i) Local & Overseas Purchases
ii) Auto Debit / Recurring (Billing or Insurance)
iii) E-commerce / Internet / Online
iv) Mail Order / Telephone Order (MOTO)

NON Retail Spending (Transactions):
i) Flexi Payment Plan / Easy Payment Plan
ii) Balance Transfer (BT)
iii) Cash Advances / Dial For Cash (DFC)
iv) Credit Shield Plus / Card Protection Plan
v) Outstanding Balance / Finance Charge / Late Payment Charge
vi) Reversal on Transaction, Disputed / Fraudulent Transaction
vii) Card Replacement Fee / Annual Fee / GST, Other Fees & Charges

This post has been edited by fly126: Jul 18 2015, 10:24 PM
fly126
post Jul 18 2015, 01:32 AM

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QUOTE(fruitie @ Jul 17 2015, 10:58 PM)
1. Annual Income: >60k but <100k

2. Free Lifetime Annual Fee: I'm OK if it's waivable or can be waived with easy and achievable conditions.

3. Card required for: Utilities bills, petrol, shopping, groceries (for TnG purpose) and good cash back.

4. Existing credit cards if any: MBB2Cards Plat, CIMB Cash Rebate Plat, HLB MACH, OCBC GE Plat, Aeon Gold, RHB Plat and AmBank Plat.

5. Looking at CC from: Any bank.

6. Others: Must be easy to register its online portal. Actually, I will need recommendations to cancel some of my cards as well. Kinda find them useless. Please advise. I have in mind will be RHB Plat, I only have it for two months now but find it pretty useless as it doesn't have many promotions. Moreover, I applied it was for PPL which actually Aeon Gold and AmBank have covered. Though AmBank has conditions but it's not a difficult task for me especially it's a free for life card and offers unlimited PPL entries, so worth keeping.
*
Sis, I think U should Reconsidered UOB 1 Plat. or HSBC Amanah (AF Waiver subject to 12X Swipes Only), (Not) again... laugh.gif tongue.gif Although You have these Cards before & Keep the RHB Plat. even though their Card Don't have many Promo compare to others sweat.gif But, sometimes RHB do Offered 0% BT, 0% Interest Free on Hospital Billing, Education(tuition) Fees to Cardholder & their AF quite EZ to Waive by Calling CS to Request... nod.gif

This post has been edited by fly126: Jul 18 2015, 01:54 AM
fly126
post Jul 18 2015, 02:10 AM

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QUOTE(fruitie @ Jul 18 2015, 01:50 AM)
laugh.gif You still remember I used to have these two cards. Are they really that good that worth re-applying again?
I had issue applying for UOB online account and I was asked to walk in to the nearest branch to get it fixed. In the end, I didn't manage to register for it and eventually cancelled the card. tongue.gif

As for HSBC Amanah, I registered and was told will be given with free tablet or watch which I didn't get it eventually. However, please put it aside besides this, if I'm not wrong it has a fixed management fees every month though I paid in full last time. doh.gif

If you ask me, I would rather pick UOB One Plat rather than HSBC Amanah. Any other choices besides HSBC?

I wanna reduce my cards, so that banks won't see me as a high exposure customer. Though I do want to keep all if I have the opportunity, but I'm afraid that I will be rejected for those worthy cards later...

Thanks by the way. biggrin.gif
*
As long those CC X have any AF or it's EZ Waiver, It's Worthy to have It ... tongue.gif

Just a Reminder:
Actual Management Fee (Islamic Bank) = Credit Card's Interest (Conventional Bank) Both are the Same by Different Name only... nod.gif
If, You Settle Your Outstanding Balance in Full...There will be NO Management Fee (Interest) Charge on YOU... whistling.gif

As Just 1 left... sweat.gif
Citibank Cash Back Plat.
https://forum.lowyat.net/index.php?showtopi...post&p=72746938

Announcement: Revision Of Terms And Conditions, Benefits And Privileges For Citi Cash Back Card And Citi Cash Back Platinum Card Effective 3 August 2015
Source: https://www.citibank.com.my/global_docs/pdf/citicashback.pdf

This post has been edited by fly126: Jul 18 2015, 02:48 AM
fly126
post Jul 18 2015, 10:06 PM

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QUOTE(cybpsych @ Jul 18 2015, 08:26 AM)
fyi, citibank's autocredit the cashback upon reaching RM20 liao, not bad though smile.gif
*
QUOTE(victorywp @ Jul 18 2015, 09:03 AM)
yeah, after they revised down the cap, they have to revise down the min autocredit amount too. otherwise it will take ages to achieve that. lol...
*
Ya, I do Noticed that also... biggrin.gif

fly126
post Aug 7 2015, 02:18 AM

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QUOTE(chris_xi @ Aug 6 2015, 10:53 PM)
1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: not necessary if it can be waived with condition

3. Card required for: Petrol, Telco

4. Existing credit cards if any: Maybank 2 Cards Gold (RIP), Aeon Watami Visa, AEON New Gold Visa

5. Looking at CC from: not sure

6. Others: My main expenses now are Petrol and Telco. Followed by Pharmacy/Groceries. Maybank 2 Cards has been the only card for the expenses I mentioned but it's worthless now except for occasional Dining.

*Is there any more "hybrid" card besides Maybank 2 Cards (Points + Cashback) and AEON Watami (Cashback + Points) on the market?

Thanks a lot.
*
Citibank Cash Back CC or MBB Ikhwan
fly126
post Sep 17 2015, 12:21 PM

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QUOTE(dradormien @ Sep 17 2015, 10:47 AM)
Any good card for entertainment? Movie, hotel?
*
RHB Evo
user posted image http://rhbgroup.com/products-and-services/...vo-credit-card/
*20% CASH BACK ON SELECTED ENTERTAINMEN PURCHASES
Entertainment purchases include cinemas, ticketing agencies, bowling alleys, commercial sports, tourist attraction, amusement park.
*Maximum Cash Back is RM50 per month

http://rhbgroup.com/uploads/files/products...014-evo-tnc.pdf

This post has been edited by fly126: Sep 17 2015, 01:55 PM
fly126
post Sep 21 2015, 02:04 AM

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QUOTE(firedragon0074 @ Sep 21 2015, 12:21 AM)
1. Annual Income: RM36k to RM60k

2. Free Lifetime Annual Fee: A Must

3. Card required for:  Petrol, groceries, Cash Back/Rebate

4. Existing credit cards if any:  Nil.

5. Looking at CC from: -

6. Others: treatpoints

Tq
*
MBB Ikhwan CC - 5% CB for Petrol & Groceries on Friday / Saturday+ Lifetime fee Waiver

Read more: Maybank 3 Cards GTR - FREE FOR LIFE AMEX VISA AND MASTERCARD

This post has been edited by fly126: Sep 21 2015, 02:19 AM
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
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
fly126
post Oct 2 2015, 01:51 AM

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QUOTE(myrancid @ Oct 2 2015, 12:00 AM)
let's give a try

1. Annual Income: RM 324,000

2. Card required for: Travel, Free Travel Insurance, Utilities , AirMiles, Overseas Transactions, Unlimited Free Lounge Access (with Suppl).  Shopping? NO, currently working in Labuan.

3. Existing credit cards if any: No.
*
Annual Income: RM32,400 OR RM324,000...??? hmm.gif rclxub.gif

IF with Annual Income: RM 324,000 = Maybank 2 Cards Premier https://forum.lowyat.net/topic/3135958
OR
Ambank World Mastercard/Visa infinite https://forum.lowyat.net/index.php?showtopi...post&p=76555929

BUT,
If You Only Earn RM32,400 p.a = HLB Wise, Which's Good for Utilities Payment https://forum.lowyat.net/topic/3590192

This post has been edited by fly126: Oct 2 2015, 02:28 AM
fly126
post Oct 2 2015, 01:57 AM

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QUOTE(MeToo @ Oct 1 2015, 10:35 AM)
Essential monthyl CB capped at RM50... but the yearly target is interesting... if I swipe 70k.. looks like I will be getting RM50 + RM880 (annual milestone bonus).

Cant find if Essential has any cap...  hmm.gif
*
HLB Essential should be 1% Unlimited CB, No Cash back on Petrol
fly126
post Oct 2 2015, 10:14 PM

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QUOTE(fly126 @ Oct 2 2015, 01:51 AM)
QUOTE
Annual Income: RM32,400 OR RM324,000...


*
QUOTE(myrancid @ Oct 2 2015, 02:38 PM)
Yes.. correct 324,00 annually.. you want to request my payslips?  wink.gif
*
Sir,
I mean NO Harm, I come in Peace... sweat.gif
Pls accept My Apology If any Offence... blush.gif
fly126
post Oct 2 2015, 10:27 PM

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QUOTE(MeToo @ Oct 2 2015, 11:24 AM)
Maybank 2 Premier... is there any advantage of getting the 2 cards instead of just the Visa Signature from Maybank?

The Visa Signature (which I just got approved) is 5% CB for Petrol/Grocery (CB Capped at RM88), 5x free lounge , Annual waiver if RM50k spent, and 5x TP for overseas spending.

Seems to be the better option all around? (Ofcourse I have the PB Signature as well to complement it)
*
Not very Profitable... whistling.gif
You have to spend More to get the Annual Fee Waivers on Both CC sweat.gif

This post has been edited by fly126: Oct 2 2015, 10:28 PM
fly126
post Oct 2 2015, 10:46 PM

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[quote=alexanderclz,Oct 2 2015, 10:40 PM]
Sir,
I mean NO Harm, I come in Peace... sweat.gif
Pls accept My Apology If any Offence... blush.gif
*

[/quote]

am i the only one who is seeing that there is less one '0' in the reply? lol
*

[/quote]
No Idea... sweat.gif
fly126
post Oct 3 2015, 06:53 AM

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QUOTE(azizikhan @ Oct 3 2015, 05:03 AM)
I checked for the Maybank cards and on their form they asked for one month payslip. But their website says 3 months etc.

If I just start working back in Malaysia is it better for me to work a couple of months or one my payslip with my letter of offer etc is sufficient ?
Appreciate the advice.

Cheers,
AK
*
Multiple payslips better, proof that you already got a stable job in Malaysia ~ an Ability to Repay your CC's debts, already...
fly126
post Oct 23 2015, 06:08 PM

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QUOTE(fkinmeng @ Oct 23 2015, 11:58 AM)
1. Annual Income: RM50k.

2. Free Lifetime Annual Fee: A Must.

3. Card required for: Utilities bills (TNB - RM40/mth, Unifi - RM150/mth), Mobile (Maxis - around RM130-RM140/mth), Groceries (Giant, Tesco - RM100-RM150/mth), Touch N Go Reload (RM100/mth).

4. Existing credit cards if any: UOB One Card, HLB Wise & GSC.

5. Looking at CC from: None.

6. Others: HLB Wise not suitable for me as i cant reach 10x swipe of RM50 each. would prefer a simple cash back card.

thanks.
*
If you don't mind U can have HLB Essential 1%CB on Everthing but NO Petrol Cash back, just nice & simple... smile.gif
fly126
post Nov 12 2015, 12:01 PM

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QUOTE(ck23 @ Nov 12 2015, 04:05 AM)
1. Annual Income: over 100k

2. Free Lifetime Annual Fee: Optional

3. Card required for: ONLINE SHOPPING

4. Existing credit cards if any: M2Plati, WISE GOLD, UOB ONE PLAT, HSBC AMANAH, CITI CB AND BUSINESS PLATI, Cimb CB, CIMB VSIGNATURE, CIMB WMASTERCARD, MBBIS IKHWAN PLATI, HLB ESSENTIAL.

Previously canceled: OCBC TITANIUM, PBB VISA PLATI

5. Looking at CC from: Cash Back or points
*
PBB Visa Signature, UOB Vox
fly126
post Nov 15 2015, 08:13 PM

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Deleted...

This post has been edited by fly126: Nov 15 2015, 10:50 PM
fly126
post Nov 15 2015, 08:14 PM

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Edited 2x post...

This post has been edited by fly126: Nov 15 2015, 08:27 PM
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