Isn't the cashback even lesser compare to HLB Wise card based on RM9000/month spending?

OMG, you have been extremely helpful

Last time I was in between UOB One and Maybank 2 cards for petrol and cash rebate, you recommend me the Maybank one instead. I am gonna apply soon, but now I am wondering for petrol and cash back, which will be better? Maybank 2 cards or this MBB Ikhwan Mastercard?

Because I worry Petron Petrol Station don't accept Amex card. I am not sure how many places actually accept Amex card.

Thank you

after many years in singapore, now I back in KL.

I am not working in KL at the moment, my income is from my singapore property rental.

Can I still apply for a malaysian credit card? Which bank please?
prefer with no annual fees.

Thanks

I am an Malaysian, can i still apply for a credit card if my source of income is from my rental of Singapore property and I have some FD with a malaysian bank?

May I know which bank can approve my application?
TQ

Hi veterans, looking for a cc with priority pass priviledges. Already cardholders for MBB visa infinite + amex reserve, PBB infinite + world mastercard. So far considering citi prestige but annual fee abit ridiculous. Thanks.

guys suggestion please want to apply CC for instalments purpose just get married buys tv washer etc...
1. Annual Income: RM36K

2. Free Lifetime Annual Fee:

3. Card required for: 0% INSTALMENTS AND EMERGENCY USE

4. Existing credit cards (if any): Nil.

5. Interested in CC from: No Idea

6. Others: -

Need ur help guys, just married so want to buy via instalments paln, washer tv fridge ETC..
1. Annual Income: RM36K

2. Free Lifetime Annual Fee:

3. Card required for: 0% INSTALMENTS AND EMERGENCY USE

4. Existing credit cards (if any): Nil.

5. Interested in CC from: No Idea

6. Others: -

Hi, can recommend any cash back credit card eligible for utilities auto debit (Astro, TM, Maxis, Celcom, ...)?

1. Annual Income: RM145k above

2. Free Lifetime Annual Fee: Not necessary

3. Card required for: Utilities Payment (Auto Debit)

4. Existing credit cards (if any): Maybankard 2 Platinum, MBB Visa Ikhwan Petronas, PBB VS, AMMB WMC

5. Interested in CC from: any

6. Others: -

1. Annual Income:  RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, PTPTN, Insurance, Phone bill

4. Existing credit cards (if any): Nil.

5. Interested in CC from: Nil.

6. Others: To get best reward with the above monthly payment.

Thank you.

Hi! Can recommend me the best CC :

1. Annual Income: RM30K to RM36K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Cash Back/Rebate Only, AirMiles, Overseas Transactions, Flight tickets, if possible to pay off PTPTN loan, online shopping.
4. Existing credit cards (if any): Nil.
5. Interested in CC from: Maybank 2 Gold card, BSN Classic Visa Credit Card-i
6. Others: I'm a Malaysian working overseas. I've always been intimidated by credit cards, now i think i need one for emergencies flight tickets or just going back home for holidays. i probably won't be using the card often for things like groceries and petrol so cashback percentage is not that important to me, but it'd be nice to get them for the expensive tickets.low interest rate is very much appreciated.

P/S: is it possible to apply them fully online? without going to the bank to sign anything as i'm currently not in Malaysia.
Thanks

I have did an analysis on best suitable cc for insurance payment. It all depends on the (1) insurer (2) amount, (3) whether it can be paid via cc online or only auto debit option

(a) There are many insurance that you can pay online manually, i.e. Prudential (Visa/Master), AIA (Visa/Master), AXA (Visa/Master), Tokio Marine (through Maybank Amex only), Etiqa motor (Visa/ Master, not sure about Amex), HLA Insurance (Visa/ Master, not sure about Amex). I am not sure about other insurance but for Great Eastern, it can only be done via auto debit though Visa/ Master only.

(b) I would say the best cc for paying insurance for amount less than RM1,470 is Public Bank Visa Signature for insurance that you can pay online manually and not auto debit. PBVS offers max monthly RM50 for spending of RM833.33 (that is 6%). If your insurance is RM500, then u get the whole 6%. If your insurance is RM1,470, max monthly CB is RM50 which is equivalent to 3.4%.

© No.2 best cc is Maybank Amex for paying Tokio Marine insurance manually of up to RM1,000 a month to get CB of RM50 plus TP of 0.25% equivalent, meaning total CB is 5.25%. You can choose the amount yourself, unlike other insurance where you need to pay the premium in full.

(d) No.3 is HL Wise Gold (not the Platinum due to high AF) with CB @ 4.29% (if AF not waive, CB is lower now with higher AF) or 5% (if AF is waived). Refer to T&C of the card in the relevant thread. This card is good for paying insurance that either pay via online manually or auto debit. Every month, just spend Rm1,000 on the 3 categories that earns you the 10% cash back and if your insurance is around RM1,000, then you can either pay online or auto debit your insurance to this card to earn the equivalent CB. Hence max cash back is RM100 for spending of RM2,000 monthly.

(e) No. 4 is Standard Chartered Just One Platinum Card with monthly RM85 CB with insurance/ combination of insurance, petrol and online spending of RM2,500 a month, which is 3.4%CB. You can choose to pay the insurance online manually or via auto debit. This card is good to cover your insurance (one off) of up till RM13,168 where you get RM85 (equivalent to 0.65% CB).

(f) Any insurance above RM13,168, the next best card, assuming the AF for the respective CCs were waived, where you can pay your insurance online manually or via auto debit is:-
(i) OCBC World Master Card (CB of RM85.01, 0.65%)
(ii) Alliance Bank You:nique (CB of RM80.50, 0.61%)
(iii) Hong Leong Essential Card (CB of RM79.01, 0.6%)
(iv) OCBC 365 (CB of RM75, 0.54%)

*Didnt include HL Fortune in the analysis because you need to spend minimum RM2k a month to get the 1% CB, which I personally dont spend at least RM2k monthly for insurance for whole family.

Hi, can recommend any cash back credit card eligible for utilities auto debit (Astro, TM, Maxis, Celcom, ...)?

1. Annual Income: RM145k above

2. Free Lifetime Annual Fee: Not necessary

3. Card required for: Utilities Payment (Auto Debit)

4. Existing credit cards (if any): Maybankard 2 Platinum, MBB Visa Ikhwan Petronas, PBB VS, AMMB WMC

5. Interested in CC from: any

6. Others: -

Need recommendation of CB credit card mainly used for Auto billing, insurance

1. Annual Income: RM145k above

2. Free Lifetime Annual Fee: Preferably NO annual fee / call to cancel/ Min swipes

3. Card required for: Utilities Payment (Auto Debit), Insurance, Groceries, Online..

4. Existing credit cards (if any): Maybankard 2 Platinum, MBB Visa Ikhwan Petronas, PBB VS, AMMB WMC

5. Interested in CC from: SCB Just one Plat, OCBC Titanium, UOB YOLO, CIMB CR

6. Current monthly expenses around 1500-2000.. PBB VS not enough to cover

Thank you. But I heard that Amex is not applicable to a lot of merchants right?

UOB Preferred Platinum MasterCard is it much better than Hong Leong Wise card?

also 10% cash back

UOB Preferred Platinum MasterCard
Monthly cap - uncapped
Spend - any amount

Hong Leong Wise card
Monthly cap - RM100
Spend - RM2000

UOB Preferred Platinum MasterCard is it much better than Hong Leong Wise card?

also 10% cash back

UOB Preferred Platinum MasterCard
Monthly cap - uncapped
Spend - any amount

Hong Leong Wise card
Monthly cap - RM100
Spend - RM2000

Huh 10% Cash Back on UOB  Preferred Plat.,  Where you got this info....
http://www1.uob.com.my/personal/cards/cred...d_platinum.html

must be here kot 

https://ringgitplus.com/en/credit-card/UOB-...MasterCard.html

LOL, I see. then which cash back card is good beside HL Wise card?
I mostly spend on dining and petrol only.

Need recommendation of CC

1. Annual Income: RM 33K

2. Free Lifetime Annual Fee: No AF

3. Card required for: Petrol (RM 200) Groceries (RM 300) Insurance (RM 200)

4. Existing credit cards (if any): Nil

5. Interested in CC from: Petronas Maybankcard Visa & Petronas Ikhwan Visa

6. Which one is better CB 8% or 8x TP on weekend? Really confusing me 😂

A million thx guys!!!

Let say I apply for MBB Ikhwan...do I get TP if spending on motorcycle/car shop for accessories and maintenance, or buying home appliances at Giant/Tesco???

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: Can be waived upon 12 swipes

3. Card required for: Cash Back, and to purchase installment with 0% interest with SenHeng

4. Existing credit cards (if any): Hong Leong Essential Card

5. Interested in CC from: Public Bank Credit Card

6. Others: I am paying ptptn RM159.72 per month. Currently never missed any payment.

Thank you and looking for favorable replies

Hi

1. Annual Income: RM36K to RM50K.

2. Free Lifetime Annual Fee: Yes (preferably).

3. Card required for: (in terms of priority) 1. Petrol, Cash Back/Rebate, Groceries; 2. Online Shopping/Utilities/Mobile/Dining; 3.Others/Entertainment/Departmental Stores.

4. Existing credit cards (if any): CIMB Cash Rebate Platinum MasterCard; Maybankard 2 Gold Cards.

5. Interested in CC from: All banks

6. Others: N/A

I'm looking at the Maybank Islamic MasterCard Ikhwan Gold Card atm. Is there any other card that I should be aware of? Appreciate the responses.

Also I'm not sure if this is the appropriate place to ask, will the credit card application be subjected to my DSR/CCRIS records? I have been paying my credit cards bills and all other relevant loans in full, but I'm worried that due to my very high DSR I'll not be able to be successful in my cc application. I just wish to get another card to fit my requirements so that I can maximise my savings.

Thanks!
Thanks!

One more question, how about the 5% cashback offered to groceries purchases and petrol under the Maybank Ikhwan cc? Are they covered by the Maybank 2 cards and PBB Quantum 2 cards? Or do I use the Maybank 2 Amex card for those transactions instead? Cause my worry is the cashback available to the Amex card 'might' only be temporary, just like how it was only reintroduced back a couple of months ago after being removed and only limited to dining on weekends earlier.  I'm thinking too much?

Hi, can anyone suggest best CC for me? Thanks in advance

1. Annual Income: RM72000

2. Free Lifetime Annual Fee: A Must

3. Card required for:
Priorities are in order as below:
1) PTPTN
2) Cashback
3) Groceries
4) Bill payment
5) Petrol
Basically I'll be using this card to pay everything.

4. Existing credit cards (if any): Maybank Islamic MasterCard Ikhwan

5. Interested in CC from: Preferably from Maybank

6. Others: Please be specific. I tried applied for Maybank 2 Cards, but my application keep being rejected, I'm not sure why. Or is it because I already have Maybank Ikhwan CC?

hi am looking for recommendations:-


Hi, can anyone suggest best CC for me? Thanks in advance

1. Annual Income: RM80000

2. Free Lifetime Annual Fee: A Must

3. Card required for:

1) Cashback for petrol, groceries and bill payment
2) Card that can still be accepted overseas for hotels (more for business trips)

4. Existing credit cards (if any): None

5. Interested in CC from: Recommend me

Thanks lots. hopefully i won't need two separate CCs