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

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laymank
post Aug 8 2015, 12:11 PM

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QUOTE(Savor_Savvy @ Aug 8 2015, 11:50 AM)
1. Annual Income: RM60K or to RM100K

2. Free Lifetime Annual Fee: Yes

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

4. Existing credit cards if any: No

5. Looking at CC from: All banks

6. Others:
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Maybank Visa Signature, if you can satisfy the RM50K annual spending for annual fee waiver.
Cash back on Petrol and Groceries at 5% everyday up to RM88 cap per month. Other expenses eligible for points, double if overseas.
laymank
post Aug 25 2015, 08:26 AM

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QUOTE(MohdPuskas @ Aug 24 2015, 09:54 PM)
The best credit card for balance transfer purpose ?
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PBB VS
laymank
post Sep 14 2015, 10:23 AM

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QUOTE(dinokun @ Sep 14 2015, 10:13 AM)
got any cc application with free handphone / tablet?
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https://ringgitplus.com/en/credit-card/
laymank
post Oct 20 2015, 10:13 AM

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QUOTE(calvincty @ Oct 19 2015, 02:20 PM)
1. Annual Income: around RM 80k

2. Free Lifetime Annual Fee: Must

3. Card required for: cash back or high rewards points

4. Existing credit cards if any: M2U Dual Gold, RHB Travel & Evo, OCBC Titanium, AEON NEW Gold

5. Looking at CC from: any

6. Others: Please be specific.: No

just get to know that Maybank dual no longer has 5% weekend cash back which usually i used it for petrol & groceries. RHB cards basically is useless for me which I applied it to get a free luggage few months ago, will cancel it after 9 months.
AEON card for any aeon expenses and cash back campaign.

Looking for a good cash back cards that offer good rebates for petrol & shopping, not prefer Wise as it need AF & 10 RM 50 swipes which I don't think I can swipe up so much in a month.

thanks.
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If can achieve 30K annual spending (to waive annual fee), recommend MBB VS, it gives you daily 5% cashback on groceries and petrol up to RM88 per month, plus 5x free access to airport PPL in Malaysia.
laymank
post Oct 26 2015, 01:05 PM

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QUOTE(Speedodevo @ Oct 26 2015, 12:21 PM)
1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: No

3. Card required for: List all your needs.
Petrol - rm100 per month
Just in case i didn't have enough cash with me
Ezypay? 😁

4. Existing credit cards if any: Nil

5. Looking at CC from: Maybank

6. Others: Clueless
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Maybank Ikhwan Gold card OR
AEON Big credit card
laymank
post Oct 26 2015, 01:08 PM

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QUOTE(iamshf @ Oct 25 2015, 07:18 PM)
1. Annual Income: around RM 120k

2. Free Lifetime Annual Fee: Must

3. Card required for: cash back for petrol (currently using MBB2cards for petrol)

4. Existing credit cards if any:
MBB2 Platinum,
OCBC Titanium 
Stand Chart Platinum
HLBB Essential
PBB VS
CITI Clear

5. Looking at CC from: any
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AEON Big credit card - 12x per year to waive AF. Get the Gold card also can enter PPL.
laymank
post Oct 27 2015, 01:37 PM

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QUOTE(Deskihaoz @ Oct 27 2015, 03:55 AM)
1. Annual Income: RM26K

2. Free Lifetime Annual Fee: preferable

3. Card required for: petrol, 0% interest installment EPP for electronic devices

4. Existing credit cards if any: 0

5. Looking at CC from: was thinking about uob one card and mbb ikhwan

6. Others: I just changed my job..OCT this month would the fourth month of my new job..would it affect of my application? UOB one card looks good for me actually but heard about lots of bad review and also the AF waiving issue...This would be my 1st time to apply a CC...lack of knowledge on this part!! =X

Thank you
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Maybankard's minimum requirement is at RM30K for new card application.
Nevertheless, you can try your luck.
laymank
post Oct 29 2015, 09:26 AM

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QUOTE(Frostlord @ Oct 28 2015, 04:23 PM)
1. Annual Income: 60k

2. Free Lifetime Annual Fee: Yes

3. Card required for: online only. prefer card with online/overseas cash back

4. Existing credit cards if any: Citi, HSBC

5. Looking at CC from: Any bank that can give RM3k CL max with good services

6. Others: No UOB/MBB/PBB as the service is terrible. easy to reduce credit limit
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You don't have much choice left.

CIMB Cash Rebate
laymank
post Nov 6 2015, 04:13 PM

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QUOTE(KevinS @ Nov 5 2015, 04:20 PM)
1. Annual Income: 75k

2. Free Lifetime Annual Fee: Doesn't matter but prefer free

3. Card required for: Petrol, utilities fee(internet,water,electricity), shopping(jusco,tesco etc) and online shopping

4. Existing credit cards if any: alliance

5. Looking at CC from: does not matter

6. Others: My CC spending priority are such as Petrol>Utility bills>shopping>online shopping

Rarely use for online shopping, hence does not matter getting any benefit or not for online shopping.
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AEON Big Gold Card
laymank
post Nov 10 2015, 02:57 AM

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QUOTE(sadtango @ Nov 9 2015, 11:45 PM)
1. Annual Income: RM110K

2. Free Lifetime Annual Fee: Yes or waivable

3. Card required for: Petrol, groceries, dining, utility bills, general shopping

4. Existing credit cards if any: Citi Platinum

5. Looking at CC from: Maybank but open to suggestion

6. Others: Reward points or cash back
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Public Bank Visa Signature
Maybank Visa Signature
laymank
post Nov 17 2015, 10:41 AM

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QUOTE(Kr0ll3R @ Nov 16 2015, 09:15 PM)
1. Annual Income: RM36K to RM40K

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: Petrol

4. Existing credit cards if any: MBB Ikhwan, AEON Watami

5. Looking at CC from: CIMB Cash Rebate Platinum

6. Others: I'm looking for an alternative Petrol CC on days besides Friday/Saturday. Is CIMB Cash Rebate the ideal among all in the current market?
HLB Wise got rejected.
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AEON Big Gold Card - 5% petrol on Sundays + 6x PPL accesses.
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.
laymank
post Dec 4 2015, 12:02 PM

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QUOTE(shyan90's @ Dec 2 2015, 06:50 PM)
Dining.. but ikhwan only sat and fri.. haha
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For Dining everyday usage, can consider MACH card from HLB.
laymank
post Dec 4 2015, 12:20 PM

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QUOTE(suadrif @ Dec 4 2015, 12:13 PM)
1. Annual Income: RM48k
2. Free Lifetime Annual Fee: A Must
3. Card required for: Bills & Insurance Payment
4. Existing credit cards if any: MBB Ikhwan & CIMB Cash Rebate
5. Looking at CC from: Any
6. Others: Must have cash back
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if you can secure RM3K expenses per 3 months, I would recommend AEON Watami (3% cashback on everything up ot RM150 max per quarter). AF waiver with 12 swipes a year.
laymank
post Dec 4 2015, 03:00 PM

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QUOTE(suadrif @ Dec 4 2015, 02:42 PM)
means rm1k per month?
*
In average, yes. you can even spend RM3K in one month and then not use it at all for the next 2 months.

As long as you can achieve min RM3K spending per quarter, up to max of RM5k to maximize the cashback of RM150 (3%).
laymank
post Dec 4 2015, 10:38 PM

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QUOTE(pcm123 @ Dec 4 2015, 09:12 PM)
Dear all, please help as I am clueless with credit cards.

1. Annual Income:  RM 33k

2. Free Lifetime Annual Fee: A Must (no hassle for waiver pls)

3. Card required for: Cash back/rebate, online transactions.

4. Existing credit cards if any: Nil, only debit cards.

5. Looking at CC from: ???

6. Others: this gonna be my first credit card. I have accounts wit Maybank and CIMB. I have an option to get Citibank Platinum supplementary card.

I ride a bike, so petrol will not be much of an issue. I don't buy groceries too.
I think my main spending with this CC would be for food and shopping ie clothes, electronics, online shopping etc
Please advise, thank you.
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Not into petrol and groceries.... hmmm...

AEON Watami is an all rounder card for you, too.
laymank
post Dec 8 2015, 02:54 PM

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QUOTE(kakumei @ Dec 8 2015, 02:18 PM)
1. Annual Income:RM60K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cashback, Petrol,

4. Existing credit cards if any: MBB2Cards

5. Looking at CC from: Any

6. Others: none.
*
Assuming cashback is for Grocery only, if you don't mind restricting your flexibility to just weekends, maybank Ikhwan Card is a choice for you since it's Free for Life.

If you are willing to race the game of RM50x10 per month, then HLB Wise card is better (subject to annual fee though)

This post has been edited by laymank: Dec 8 2015, 02:56 PM
laymank
post Dec 8 2015, 02:56 PM

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QUOTE(fang_l_ @ Dec 8 2015, 02:28 PM)
1. Annual Income:RM150K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cashback, Petrol mainly

4. Existing credit cards if any: MBB2Cards

5. Looking at CC from: Any

6. Others: none.
*
HLB Wise card (with annual fee though)

Maybank Visa Signature (50K annual spending to waive annual fee)

MBB Ikhwan card (free for life, but cashback for petrol only sundays)

This post has been edited by laymank: Dec 8 2015, 02:57 PM
laymank
post Dec 8 2015, 03:14 PM

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QUOTE(fruitie @ Dec 8 2015, 02:58 PM)
doh.gif Wrong la. Cash back only on Fridays and Saturdays.
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oh ya hor... i got mixed up with AEON Big card liao.
Paiseh..
laymank
post Dec 10 2015, 08:30 AM

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QUOTE(harizdesu @ Dec 10 2015, 08:13 AM)
1. Annual Income: RM 30k - RM 35k

2. Free Lifetime Annual Fee: Yes!

3. Card required for: Cash back/discounts on shopping, dining, etc

4. Existing credit cards if any: CIMB Petronas (for petrol)

5. Looking at CC from: Not sure

6. Others: None
*
check out HLB MACH card
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