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Recommendation for Credit Cards V3, Please post according to Format stated.
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tankt_92
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 May 14 2016, 09:28 AM
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Getting Started
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Appreciate your input.
1. Annual Income: Est. RM40k
2. Free Lifetime Annual Fee: either this, or waived with monthly swipes (not willing to pay)
3. Card required for: Petrol, groceries mainly, sometimes shopping
4. Existing credit cards if any: Maybank 2 Card GOLD
5. Looking at CC from: Any, thinking of Citibank Cashback/UOB One Card Classic
6. Others: prefer something with cashback most probably, since I don't spend much on other stuff plus MBB 2 Card treatpoints seems valueless.
Thank you.
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tankt_92
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May 14 2016, 10:03 AM
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Getting Started
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QUOTE(fruitie @ May 14 2016, 09:56 AM) Maybank Ikhwan MasterCard for your petrol and groceries. Shopping I still stick to my M2Cards AmEx Plat due to 5x, I don't have good general cash back card and my spending is not a lot. Hi there, thanks for the recommendation. I'm trying to avoid having too many cards for now, but UOB One Card Classic seems pretty attractive. Mind to justify why you pick that over this? FYI, my petrol consumption is around RM250-RM300 per month so UOB is still in range. |
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tankt_92
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May 14 2016, 10:10 AM
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Getting Started
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QUOTE(fruitie @ May 14 2016, 10:07 AM) UOB One has Annual Fees which you are not willing to pay, aren't you? Maybank Ikhwan MasterCard is free AF, 5% cash back for petrol and groceries on Fridays and Saturdays. They are currently having UOB CC Booth in 1Utama, which I came across yesterday. The person there say first year is free, 2nd year onwards with 12 swipes will automatically waive the annual fee but I don't read this anywhere in the T&C. Is this even possible actually, if I did not initiate the request to waive? This post has been edited by tankt_92: May 14 2016, 10:10 AM |
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tankt_92
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May 14 2016, 10:19 AM
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Getting Started
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QUOTE(fruitie @ May 14 2016, 10:13 AM) Well, get black and white from the fellow. He can promise you everything but you may end up paying AF from second year onward. Usually first year is waived but not from second year onward. Last I heard one needs to spend 60k per annum to get it waived but that's for UOB One Plat, no more such thing as 12x swipes and etc. So, if you apply for it, try calling them for waiver when AF kicks in later, still subject to bank's approval. My colleague didn't manage to get her UOB Lady's Card AF waived recently. Ok thanks, will go to him to check it out later and will also consider your suggestion on MBB Gold Card Ikhwan. |
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