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

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zumapuma
post Sep 17 2015, 03:21 PM

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Hi Everyone, appreciate your advise based on below:

1. Annual Income: RM60K.

2. Free Lifetime Annual Fee: Yes.

3. Card required for: Overseas Transactions, Free airport Lounge Access, cashback or X times rewards benefits

4. Existing credit cards if any: Maybank 2 card Gold (Visa + AMEX)

5. Looking at CC from: Public Bank Platinum maybe. would like to have a visa infinite/signature card but dont fulfill the minimum annual income.

6. Others: I primarily use my AMEX cc at big merchants so looking for a visa/Mastercard for use at local merchants who dont accept AMEX to replace the given Maybank 2card visa.

thanks in advance!
zumapuma
post Sep 17 2015, 05:51 PM

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QUOTE(fruitie @ Sep 17 2015, 03:30 PM)
You may want to read first post for replacement of Maybank2Cards. smile.gif

For PPL, you can try Aeon Gold, Aeon Big Gold, RHB Plat and AmBank Plat. smile.gif
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Thanks for the recommendation. Now I'm considering RHB or AmBank Platinum. Both are kind of similar. Anybody has any experience on either or both cards that could help me decide? AmBank's is free for life but called RHB and they say can waive the annual fees.
zumapuma
post Sep 17 2015, 11:53 PM

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QUOTE(fruitie @ Sep 17 2015, 10:35 PM)
Well, I used to have RHB Plat and I have terminated it about a month ago because it has no benefits though it gives 4x PPL access per calendar year. On paper, you need to spend 36k per annum to waive its AF. However, when I requested to terminate it, the lady from retention department called and offered me free AF until 2018 if I'm not wrong. Anyway, I still proceeded to cancel it because it has no benefits and gave me the highest credit limit which will increase my credit exposure.

I also have the AmBank Plat which I find it more suitable for my usage as it also gives PPL access to some overseas PPL for e.g. Changi Airport and Beijing International Airport which I always frequent. It gives unlimited access but every access comes with a condition you will need to swipe 3x in overseas 60 days before/after your PPL visit. Yes, it's a free for life card.

If you want a hassle free card, you can try Aeon Gold which gives free 6x PPL for KLIA/KLIA2 per calendar year. To waive its AF, you only need to swipe 12x a year. Easy peasy. Moreover, it has one of the lowest overseas charges. Else, you can try the latest new card-Aeon Big Gold which has the same PPL benefit as Aeon Gold but not sure of its overseas charges.

Hope the above helps.
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Thanks for your feedback! Really insightful. Each card really has its own pros and cons. I'm tempted to get the RHB Plat for the time being partly because of the current promo for free luggage. But the PPL access is only to Malaysian airports.

On the other hand the AmBank card gets you PPL access to some overseas airports but you have to make 3 overseas swipes for it to be free, which is definitely doable. And plus, it's free for life!

Saw the blog post on Aeon Gold's lower than usual overseas charges! But prefer AEON Big Gold rather than the department store version, but this one is not tested yet.

Thanks for making my decision even harder. haha joking2 this is really2 helpful. I just need to figure out how exactly I'm going to use the card to get maximum benefits.
zumapuma
post Sep 18 2015, 11:23 AM

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QUOTE(fruitie @ Sep 18 2015, 12:10 AM)
Yeah, just go for the one which you think is suitable and gives you freebies. biggrin.gif
The only bad thing about AmBank Plat is if you are traveling within Malaysia, you can't use it well because can't swipe at overseas. laugh.gif

That's why I have the Aeon Gold just in case. laugh.gif

Oh ya, another thing with AmBank is it has RM 650 free cash back now if you swipe RM 1600 within 60 days and must also register a supplementary card when you sign up. Though it's first come first serve basis but the quota is still there. I got my card in July and only swiped RM 1600 in late August and I got the RM 650 two days ago. thumbup.gif
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I think I've decided to get the AEON BiG Gold card because I feel like I can use it a lot both locally and overseas (hope same super nice exchange rate as the AEON Gold Card) + 6 PPL access.

For you guys/gals who have multiple cards, does the benefit of having the card outweigh the annual RM50 govt tax? Because I like the idea of having multiple cards with each for a certain use but then I think about having to pay the annual govt tax just doesnt seem worth it..for me la
zumapuma
post Sep 18 2015, 02:51 PM

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QUOTE(fruitie @ Sep 18 2015, 11:56 AM)
Alright, Aeon Big is not a too bad card as well. smile.gif

laugh.gif No more Government Service Tax after Goods and Services Tax came effect on 1st April 2015. That's why it is better to get an AF free card or cards which their AF can be easily waived. AF is still applicable though.
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i did not know this! haha then should i get both AEON Big and AmBank Plat? lol greedy with CC. haha

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