Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsRecommendation for Credit Cards V3, Please post according to Format stated.
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 Jul 29 2015, 05:57 PM
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#1
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Senior Member
707 posts Joined: Feb 2005  
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Hi, can anyone introduce me to a credit card I should get as my second card?
1. Annual Income: ~RM 120k 2. Free Lifetime Annual Fee: Yes 3. Card required for: payment of Utilities & Petrol & Telecommunications (Cash rebate) 4. Existing credit cards if any: Maybank2Card 5. Looking at CC from: prefer cash back. Any bank. |
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Sep 28 2015, 11:00 AM
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#2
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Senior Member
707 posts Joined: Feb 2005
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you may have a Amex platinum charge card but it won't be widely accepted unless you have Visa/Master as well. You will be disappointed if you have only Amex Plat charge. Trust me, I had it in the past.
Anyway with your income, you qualify to get it, just be prepared to pay more than 2k annual subs. |
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Sep 28 2015, 02:24 PM
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#3
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Senior Member
707 posts Joined: Feb 2005
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QUOTE(azizikhan @ Sep 28 2015, 01:50 PM) Thank you! Appreciate your assistance. No need to get invited. Go to any Maybank and ask to apply. If you're overseas, ask them to email you the application formPS : If anyone help me answering the AMEX Platinum query would be great. (How to get invited ?) Cheers, AK  |
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Oct 7 2015, 04:25 PM
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#4
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Senior Member
707 posts Joined: Feb 2005
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QUOTE(chiahau @ Oct 6 2015, 10:29 AM) Online shopping - CIMB what about utilities and insurance?Dining promotion - CIMB / MBB Mall shopping - Neither since MBB removed it's CB except for dining and CIMB is mostly for online and etc. Petrol - MBB Ikhwan - 5% on friday & Saturday. 2% every day with CIMB CR. No CR for M2C |
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Oct 7 2015, 10:54 PM
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#5
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Senior Member
707 posts Joined: Feb 2005
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QUOTE(fruitie @ Oct 7 2015, 07:35 PM) Utilities can try HLB Wise or PBB VS. what about cimb cb plat master which is supposed to give 2% cash back for utilities though via standing instructionsInsurance can take Aeon Watami for 3% per quarter, maximum up to RM 150 cash back per quarter. |
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Oct 8 2015, 12:52 PM
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#6
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Senior Member
707 posts Joined: Feb 2005
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QUOTE(fruitie @ Oct 7 2015, 10:55 PM) Yes but TNB cannot be used as SI for CIMB CR. hmm that's strange, the T&C clearly states 2% cash back for TNB under SI subject to a max cash back of rm50/month. see attachment.... Others I'm not sure as I only have TNB as utilities and never got charged by Syabas...  UniFi I have Wise (under groceries because I use ePay in Sam's Groceria) and UOB VOX. Attached thumbnail(s) 
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Oct 8 2015, 04:50 PM
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#7
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Senior Member
707 posts Joined: Feb 2005
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QUOTE(alexanderclz @ Oct 8 2015, 02:10 PM) if I'm not mistaken, tnb use to offer SI. but no more recently. not true I just went to TNB to sign up. |
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Oct 22 2015, 03:46 PM
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#8
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Senior Member
707 posts Joined: Feb 2005
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If I want to apply for a Maybank Visa Signature, where is the best place to go for instant card (1-hour process). Thanks. I'm in Pj/KL
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Oct 23 2015, 08:56 PM
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#9
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Senior Member
707 posts Joined: Feb 2005
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Just went to apply for Visa Signature in the Gardens Megamall. They can't process this card in the one hour window; in fact it will take several days.
The other BOMBSHELL - they said they received a memo only today - in order to waive annual fees, rm50k annual spending is required instead of rm30k!!!! |
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Nov 2 2015, 10:15 PM
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#10
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Senior Member
707 posts Joined: Feb 2005
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QUOTE(cybpsych @ Nov 2 2015, 07:35 PM) i think Gen-X need to update post #2's template to include average spending amount per month. excellent idea; one can max out cash backs at around 2-5k spending per card so if you spend considerably more, then more options should be available to you!this way, we can recommend the relevant card with spending/cashback cap. |
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Dec 16 2015, 08:16 PM
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#11
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Senior Member
707 posts Joined: Feb 2005
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QUOTE(laymank @ Dec 16 2015, 03:26 PM) the good thing about this card is, it doesn't care what category of expenses you are going to spend on, they are all eligible, that including insurance that usually a huge amount. You can consider using this card only at the quarter when you are going to spend big, since it's secondary anyway. not for petrol though. |
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