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

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yeah016
post Aug 3 2015, 06:06 PM

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144 posts

Joined: May 2010
1. Annual Income: RM40K

2. Free Lifetime Annual Fee: Preferably yes.

3. Card required for: bill e.g astro , TNB, Water, unifi, streamyx, assessment fee
yeah016
post Aug 10 2015, 08:06 PM

Getting Started
**
Junior Member
144 posts

Joined: May 2010
1. Annual Income: RM40K

2. Free Lifetime Annual Fee: Preferably yes.

3. Card required for: bill e.g astro , TNB, Water, unifi, streamyx, assessment fee

4. Existing credit cards if any: MM2Card , hong leong essential.

5. Looking at CC from: recommend me

6. Others: Please be specific. -

This post has been edited by yeah016: Aug 10 2015, 08:06 PM
yeah016
post Aug 14 2015, 04:26 PM

Getting Started
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Junior Member
144 posts

Joined: May 2010
Anyone could help me to recommended cc to me?

1. Annual Income: RM40K

2. Free Lifetime Annual Fee: Preferably yes.

3. Card required for: bill e.g astro , TNB, Water, unifi, streamyx, assessment fee

4. Existing credit cards if any: MM2Card , hong leong essential.

5. Looking at CC from: recommend me

6. Others: Please be specific. -
yeah016
post Feb 3 2016, 02:43 PM

Getting Started
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Junior Member
144 posts

Joined: May 2010
1. Annual Income: RM50K

2. Free Lifetime Annual Fee: Yes/auto-waive with minimal swipes

3. Card required for: List all your needs
online shopping(e.g lazada....)

4. Existing credit cards if any: MBB dual Amex + MasterCard, aeon watami, hong leong essential, cimb cash rebate, maybank ikhwan

Priority on reward point, it is good if point are nvr expired.
Reason: reward point do not have capped, but it is for other cash rebate card, but I know hong leong essential do not have capped on 1% but maybe other cc with reward point is better than this?

This post has been edited by yeah016: Feb 3 2016, 08:46 PM
yeah016
post Feb 3 2016, 03:34 PM

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Junior Member
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Joined: May 2010
QUOTE(laymank @ Feb 3 2016, 02:55 PM)
Go for Cashback which is way more valuable than reward points.
Current reward points value is approx. 20,000 point for RM50

Recommendation:
1. CIMB Cash Rebate (Free AF; 5% cash back on online purchase, capped at RM30 per month)
2. UOB VOX (Free monthly fee with 1 swipe; cashback eligible for online spend of min RM50)
3. AEON Watami (Free AF with 12 swipes; 3% cashback for anything you spend, provided you spend minimum RM3000 per quarter)
If you die die must want points:
1. MBB Amex Card 2 (Free for life; 5x points for every RM1 every day (approx. 1.25% cashback); 5% cashback and 5x points for Dining on weekends)
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Hi Thanks for the recommendation, but currently I got the AMEX, but some of the online shopping side do not accept AMEX, that why I am thinking to apply another one, the reason I want for reward is unlimited gain, for cash rebate it had the capped rebate (FYI, 1 and 3 I got already), Any other cc with more reward point and able redem with low reward point?
yeah016
post Feb 3 2016, 08:47 PM

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Junior Member
144 posts

Joined: May 2010
QUOTE(laymank @ Feb 3 2016, 04:07 PM)
You've pretty much own the best cc already.  biggrin.gif

Would have been nice if you followed the stipulated format, then I didn't have to recommend something that you have already owned.
*
oops, I was copied the format from the first page, yeah I added number 4 existing cc card. Thanks in advance. =)
yeah016
post Oct 24 2016, 01:57 PM

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Junior Member
144 posts

Joined: May 2010
Hi All. Please advise. Thanks in advance.

1. Annual Income: RM50k~

2. Free Lifetime Annual Fee: free

3. Card required for: mainly for other retails spend

5. Looking at CC from: Need advice, previously using HLB essential but after TNC change to 0.6% cash rebate, I cut, look for any CC can replace..
yeah016
post Oct 24 2016, 09:54 PM

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Junior Member
144 posts

Joined: May 2010
QUOTE(fly126 @ Oct 24 2016, 09:41 PM)
I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend (Jz Ignored it)

III) SCB Cashback Gold: 2 - 5% CB with min spend $500 https://www.sc.com/my/credit-cards/goldcard/gold-card.html

IV) OCBC 365 Mastercard: 1% CB 1% on RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending http://www.alliancebank.com.my/younique
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Thanks !!! thumbsup.gif
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