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

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silrave
post Mar 8 2016, 01:46 AM

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hi
i just start work
wan to ask if wanna apply a card for petrol and normal usage
can i know go for which bank better?
silrave
post Mar 8 2016, 11:02 AM

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QUOTE(fruitie @ Mar 8 2016, 01:58 AM)
You may need to use the template in post #2. smile.gif
*
haha
u at here also?
just start work
not so active as last time XD
thx for tell me



1. Annual Income: Rm 30k is it count like this? for just start work salary 2.5k x 12

2. Free Lifetime Annual Fee: A Must XD

3. Card required for: Petrol , online transaction cash rebate and movie XD

4. Existing credit cards if any: nope

5. Looking at CC from: no idea choose which

6. Others: Just start work , plan to get a credit card for petrol and normal usage. Some time will online purchase thing, prefer got cash back. Sometime will go for cinema, if got benefit more that more good XD
silrave
post Mar 8 2016, 05:28 PM

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QUOTE(fruitie @ Mar 8 2016, 11:28 AM)
I'm very active in this section la. biggrin.gif

You can apply Maybank Ikhwan MasterCard for petrol. Online transactions can get CIMB Cash Rebate or UOB VOX. Check out their benefits. smile.gif
*
haha
i dunno u active at here too
woo
maybank ikhwan mastercard?
is it possible to apply credit card
i just start work not more than 2 weeks

i normally pump petrol
ok
i will check about CIMB and UOB VOX
silrave
post Mar 8 2016, 08:43 PM

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QUOTE(fruitie @ Mar 8 2016, 06:30 PM)
No, you will need payslip to prove your income. Some banks are OK with 1 month, though most need 3 months.
So wait till three months.
*
haha
ok
i just want to use it on petrol only > <
the other card is just subscribe and throw there for fun XD

silrave
post Mar 9 2016, 01:23 AM

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QUOTE(fruitie @ Mar 8 2016, 09:42 PM)
Don't simply apply cards which you are not going to use, it will affect your credit history.
For those earning 36k and below per annum can only hold two issuing banks' cards, so you gotta be selective with your choices of cards. smile.gif
*
wow now u say i only know = =
then i just apply one for petrol cash rebate only
silrave
post Apr 25 2016, 10:39 AM

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long time no come here
not sure still got any nice cc benefit or not
silrave
post Apr 25 2016, 01:05 PM

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QUOTE(fly126 @ Apr 25 2016, 11:28 AM)
Maybank Ikhwan - 5% CB for Petrol, Groceries on Fri, Sat (Free for Life) thumbup.gif
UOB Vox - 5% CB for Online Spend or Billing, Utilities payment via UOB Payonline (Fee Waiver with 1x swipe/ month) https://forum.lowyat.net/topic/3842474
*
you recommend those is need to go bank and register?
cause i thinking to get 1 for petrol and online shopping
but seem like need get 2
if i wanna enjoy this features
> <
the maybank card is it can use for tgv also ?
silrave
post Apr 26 2016, 12:14 AM

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QUOTE(fly126 @ Apr 25 2016, 02:08 PM)
You may try RHB sometimes they do provide 0%Balance Transfer https://ringgitplus.com/en/balance-transfer...e-Transfer.html
Register, your Meaning's...???

Yup, Maybank-TGV RM10 Promo
http://www.tgv.com.my/promotions/promos/tg...ybank-promotion
*
ya
something like that
sometime they say thursday buy 1 free 1 XD
maybank and uob card
need to go bank and register?

cause sometime i see mall those ask u sign card they got give u free gift
but if sign up in bank no free gift right ?
actually got what different
sign up at mall vs bank ?
silrave
post Apr 26 2016, 12:14 AM

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QUOTE(fly126 @ Apr 25 2016, 02:08 PM)
You may try RHB sometimes they do provide 0%Balance Transfer https://ringgitplus.com/en/balance-transfer...e-Transfer.html
Register, your Meaning's...???

Yup, Maybank-TGV RM10 Promo
http://www.tgv.com.my/promotions/promos/tg...ybank-promotion
*
ya
something like that
sometime they say thursday buy 1 free 1 XD
maybank and uob card
need to go bank and register?

cause sometime i see mall those ask u sign card they got give u free gift
but if sign up in bank no free gift right ?
actually got what different
sign up at mall vs bank ?
silrave
post Apr 26 2016, 12:56 AM

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QUOTE(fly126 @ Apr 26 2016, 12:42 AM)
i) CIMB Cash Rebate Platinum MasterCard (Lifetime fee waiver) icon_idea.gif
2% CB on Utility, Mobile Bill Payments via Standing Instruction (Auto Debit)
2% CB for Petrol, Groceries
5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month)
0.2% CB on Other Retail Spend
With Total Maximum CB capped at RM50/month
http://www.cimbbank.com.my/content/dam/cim...July%202015.pdf
Or
Maybank Ikhwan - Petrol, Groceries (5% CB on Fri, Sat, it's Lifetime fee waiver)= a MUST Have thumbsup.gif  https://forum.lowyat.net/topic/3763581
Or may consider also UOB One Card
ii) UOB Vox - 5% Cash back for Online Spend or Billing, Utilities payment via UOB Payonline (Fee Waiver with 1x swipe/ month) https://forum.lowyat.net/topic/3842474

iii) Other Spend (Unlimited Cash back)
HLB Essential Or
https://www.hlb.com.my/main/assets/files/ne...and-updates.pdf
Alliance You:nique
http://youniquecard.alliancebank.com.my/Yo...bates_v1.0.html
It's depends which CC you get...  innocent.gif
*
haha XD
i heard Maybank Ikhwan no more
need to go where to apply ?
silrave
post Apr 26 2016, 02:32 AM

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QUOTE(fly126 @ Apr 26 2016, 01:32 AM)
Apply Here
*
ok
thx
just choose this Maybank Islamic MasterCard Ikhwan Gold Card
then follow the steps right?
thx ^^
silrave
post Apr 27 2016, 01:19 AM

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fly126 weird
i apply by maybank2u already
but problem is on i cant upload document
is it cant upload in jpeg format?
silrave
post Apr 27 2016, 09:53 AM

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QUOTE(fly126 @ Apr 27 2016, 02:05 AM)
No Idea pun, Never Applied online before... hmm.gif

Last time Applied thru email by scan all my Income document (in .png format)+ form & emailed to mbbcardservices@maybank.com.my

CC Application Form: http://www.maybank2u.com.my/WebBank/IkhwanVisa_AppForm.pdf
*
because i online it say attach form
i attach document in jpeg format then it say pls attach mandatory document
silrave
post May 24 2016, 09:59 AM

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QUOTE(fly126 @ May 23 2016, 08:34 PM)
with 3 Month payslips better as a Proof of U already got a Steady, Stable Job with Fix Income... nod.gif

MBB Islamic Ikhwan Mastercard- Lifetime Fee Waiver, 5% Cash-back for Petrol & Groceries on Fri, Sat.
*
sorry wan to ask is it every groceries shop also can?
silrave
post May 24 2016, 04:26 PM

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QUOTE(fly126 @ May 24 2016, 01:17 PM)
It should on Any Grocer, if they Accept CC.
*
wow today i walk around midvalley
saw quite lot shop show maybank cc got cashback
silrave
post May 25 2016, 11:40 PM

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QUOTE(fly126 @ May 25 2016, 05:45 PM)
Maybank Ikhwan Mastercard or UOB One CC
*
today i just uob vox card
i find out uob one cc petrol benefit almost similar as maybank cc
but maybank cc is no need pay annual right?
but got any tnc?
silrave
post May 26 2016, 12:13 AM

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QUOTE(fly126 @ May 26 2016, 12:08 AM)
MBB Ikhwan Mastercard (Free for Life)
*5% Cash Rebate for petrol & Groceries on Fri, Sat
- Capped at RM1000 or Max. CB RM50 per month

UOB One Card - Annual Fee: RM72.08 (One Card) RM178.08 (One Platinum Card)
*Cash Rebate for petrol (Weekdays 2% / Weekends 5%)
- Capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month

*Cash Rebate for all spending on Groceries at AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant, ONLY (Weekdays 1% / Weekends 2%)
- Capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month
P.s  NEW Signup usually will get up to 2 years Annual Fee Waiver
*
omg
mbb card got say minimum swipe how many times?
but i use for petrol sure every month 1 times above XD
for groceries any shop just got show maybank cc can use then can?

today i apply uox card
they say better than uob one card?
silrave
post May 26 2016, 02:54 AM

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QUOTE(fruitie @ May 26 2016, 12:26 AM)
No minimum swipe for Maybank Ikhwan MasterCard.
Any place if they accept credit cards, whatever card can be used la, no specific one. doh.gif
Just that if you swipe your Ikhwan for groceries on Fridays and Saturdays, you will get 5% cash back credited to you on 1st of every month.

Both UOB VOX and One Card are two different cards with different purposes, study and research first.
*
QUOTE(fly126 @ May 26 2016, 12:47 AM)
Mana Sama, totally Different... sweat.gif doh.gif

MBB Ikhwan Mastercard is Lifetime Fee Waiver, U ada Swipe or tak Guna ALL Year Long  pun tak charge U Annual Fee
UOB One Card got some Similarity with MBB Ikhwan Mastercard 

Manakala,
UOB Vox Only Good for Online Spend, 5% Cash Rebate on all online purchases with a minimum spend of RM50 in a single receipt/transaction.
- Capped at RM1,000 per month & Monthly Fee (RM6.36) will be Waived with 1x Swipe/month.

https://forum.lowyat.net/topic/3842474

Pls, Do some Research 1st Before U apply Any CC... sweat.gif
*
haha
my wrong i typo
should say uob one for petrol bit similar too maybank card
but that need pay annual fees

for uob uox i subscribe cause for online purchase and the ppl told me swipe 1 time per month can already
he say just buy some thing at anywhere can use credit card also can
silrave
post May 26 2016, 11:41 AM

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QUOTE(fruitie @ May 26 2016, 09:24 AM)
VOX doesn't require you to physically swipe the card. Even online transaction is considered as a swipe, so as long as you spend once during the statement cycle, then you don't need to pay for the monthly charges.

Friendly reminder, it seems you have no idea how credit cards work, please study well before applying for one.
*
hahaha
ya
cause i just plan to get for cash back purpose
but not sure is it a good starting or not > <
silrave
post May 26 2016, 02:31 PM

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QUOTE(fruitie @ May 26 2016, 11:55 AM)
Cash back yes but for what purpose, you need to know that too.
Any card can be used, just find the one with lower exchange rate. Well, to me that's not really important. I use those I can get cash back with certain categories.
*
haha
i plan to apply cc
because i lazy every time i pump petrol need bring cash out
and i do onsite a lot
travel need pump petrol
if use debit
the petrol on hold me rm 200
pbb debit card on hold me rm 400 haven return me yet
thats why plan to get cc
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