Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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 May 26 2017, 11:58 AM
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#121
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4,404 posts Joined: Jun 2012   
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QUOTE(JamesBotak @ May 26 2017, 11:36 AM) Well, I should have applied this instead. Maybe can call asked them Convert your Ikhwan to M2C said you have mistaken applied the wrong card.Is it possible to apply for M2Cards despite just got approved for Ikhwan ?  |
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May 26 2017, 12:28 PM
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#122
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(BlurGuy1992 @ May 26 2017, 12:11 PM) 1. Annual Income: RM24K CIMB Cash Rebate MasterCard.2. Free Lifetime Annual Fee: Yes. (any t&c to waive annual fee? 12swipe?) 3. Card required for: Petrol, Cash Back/Rebate, Online purchase, phone topup. 4. Existing credit cards (if any): Nil. 5. Interested in CC from: Citibank - Nil. 6. Others: Don't mind reward point, more cash back better. Since you're not having Credit History from any Bank before, Citibank won't Approve their card to you as they want ppl with at least 1 year credit History & most of their Cards come with Annual Fee . This post has been edited by fly126: May 26 2017, 12:32 PM |
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May 26 2017, 01:26 PM
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#123
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(duttway @ May 26 2017, 01:19 PM) hey thanks for the recommendation - 3 year expiry is for the points and not the card right? Ya, Usually our card can use up to 5 yrs. |
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May 27 2017, 12:53 AM
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#124
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(sidefulnes @ May 26 2017, 11:32 PM) Hi! Need recommendation for my first credit card Maybank 2 Cards or Maybank Ikhwan Mastercard. 1. Annual Income: RM30k to RM36k 2. Free Lifetime Annual Fee: Yes or reasonable fee 3. Card required for: Petrol, dining and groceries 4. Existing credit cards (if any): Nil. 5. Interested in CC from: any 6. Others: |
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May 27 2017, 09:20 AM
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#125
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(slave4life @ May 27 2017, 01:53 AM) 1. Annual Income: RM36k to RM48k PBB (Quantum 2Cards)2. Free Lifetime Annual Fee: Yes or reasonable fee 3. Card required for: Petrol, dining and online, movie, ptptn 4. Existing credit cards (if any): Nil. 5. Interested in CC from: CIMB Cash Rebate Platinum MasterCard, Hong Leong Mach Visa 6. Others: what are the best cards to use for ptptn repayment? monthly repayment around rm200. Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Maybank 2 Cards (Good on PTPTN) * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 per customer (including Supp Card member) per month. MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. This post has been edited by fly126: May 27 2017, 09:33 AM |
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May 27 2017, 04:22 PM
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#126
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(slave4life @ May 27 2017, 03:55 PM) Thanks! Are the PBB Quantum 2 Cards come together or separate? PBB Quantum will come with 2cards together...Can you explain more on "M2C Good on PTPTN"? basically, this PBB Quantum and M2C is almost the same, am I correct? Sorry for asking so much, still noob even I did a lot research.  Much thanks!  Using Maybankard 2 AMEX to Pay for PTPTN - Perbadanan Tabung Pendidikan Tinggi Nasional Login to your Penyata Baki and pay using credit card. Then key in your AmEx card number with the 4 digit CVV at the front of the card, make sure to do it only on weekends to get 5%. |
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May 27 2017, 07:47 PM
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#127
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(slave4life @ May 27 2017, 06:25 PM) Thanks fly126! You can submit 1 lump sum apps together as they won't know until they update by Next month... 1 last question, planning to get 2 banks' cc (either Quantum and M2C or Quantum and Mach HL). is it possible to get 2 banks approved with my current income with only 1 loan(ptptn).    This post has been edited by fly126: May 27 2017, 08:16 PM |
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May 28 2017, 10:41 AM
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#128
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(sidefulnes @ May 28 2017, 02:35 AM) Thank you for the recommendation Advice to apply M2C 1st, later only get Ikhwan becos Ikhwan is most difficult to get CC. M2C you can CB on anything you Spend on Weekends not limited to Petrol & Groceries only like Ikhwan.Is it possible if I apply for both at the same time? Coz I can swipe Ikhwan card 5% cashback on Friday. One weekday is better than none XD |
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May 28 2017, 07:50 PM
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#129
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(Tsting @ May 28 2017, 07:14 PM) Already looking at Ambank WMC, any other suggestions gurus? Maybank 2Cards2 different cards.... 1. Annual Income: RM180k and above 2. Free Lifetime Annual Fee: A Must (or very very low threshold for waiver). CARD 1, Overseas usage 3. Card required for: i) Airline miles, with good accelerated earnings for overseas (both online and offline) spending ii) Overseas spending (Very low foreign exchange conversion fee/rate), > 50% of time in S'pore, online includes US Amazon etc, CARD 2, Local usage 3. Card required for: i) Airline miles ii)No need for spending patterns, such as those requiring 3 months consistent spending etc. Prefer simple straight forward earning of miles 4. Existing credit cards (if any): Nil. 5. Interested in CC from: Anything 6. Others: overseas salary. do banks discount this when looking at annual income? Thank you!! » Click to show Spoiler - click again to hide... « http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards |
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May 29 2017, 09:57 AM
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#130
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(JamesBotak @ May 29 2017, 09:37 AM) Any reason why Ikhwan is the most difficult to get? Only 1 out of 10 get it on 1st attempt even Existing M2C holder pun kena Reject by them for applying MBB Ikhwan MC & Most of Us here get this card by Split CL from M2C. This post has been edited by fly126: May 29 2017, 07:58 PM |
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May 29 2017, 01:37 PM
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#131
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(yan7 @ May 28 2017, 12:43 PM) need recommend credit card, i use credit card for trading, playing stock market, trade forex etc. i will be constantly cash it and cash out to repay debt when there is earning. may i know which latest credit card suitable for this types of transaction ? to gain more points and reward and low rate of cash advance, instalment , similar like ezppay... QUOTE(yan7 @ May 29 2017, 01:22 PM) need recommend credit card, None of Credit Card will suited your Needs..i use credit card for trading, playing stock market, trade forex etc. i will be constantly cash it and cash out to repay debt when there is earning. may i know which latest credit card suitable for this types of transaction ? to gain more points and reward and low rate of cash advance, instalment , similar like ezppay... monthly salary RM 5000 the real reason that brokerage services won't let you invest with credit cards is because they would be charged a transaction fee for accepting your credit card - this would then have to be factored into their own fees. This post has been edited by fly126: May 29 2017, 01:41 PM |
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May 29 2017, 07:52 PM
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#132
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(fluupers @ May 29 2017, 05:45 PM) Hi! Need recommendation for my first credit card Maybank Visa Signature, PBB Visa Signature1. Annual Income: RM80k to RM110k 2. Free Lifetime Annual Fee: Yes or reasonable fee 3. Card required for: Petrol, dining and groceries 4. Existing credit cards (if any): 5. Interested in CC from: any 6. Others: i'm foreigner Pls, check with the Bank as a Foreigner it may need Higher Income Requirement. |
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May 30 2017, 07:15 PM
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#133
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(fuzzyozzy @ May 30 2017, 06:23 PM) Need recommendations sifus PBB Visa Signature - 6% CB on Groceries, Dining, Online Spend +3 x Complimentary Access to Plaza Premium Lounge Malaysia It's a Lifetime Fee Waiver Card with 12x Swipes p.a.1. Annual income : 110k 2. Annual fee : free lifetime 3. Card usage : airport lounges/overseas usage/travel/petrol 4. Existing card : MBB visa signature / citi cash back / citi clear 5. Interested card : any 7. Others: trying to consolidate to use only one or two cards Thanks in advance AmBank VISA Infinite Card /AmBank World MasterCard (Income Requirement: RM120K p.a) • Free-For-Life, NO conditions attached • Unlimited lounge access without condition • Complimentary Hilton Premium Club Membership Card (Note: Membership is automatically renewed annually with just a min retail usage of RM30,000) • Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles) http://www.ambank.com.my/eng/cards/visainfinite Try apply this Card even though your annual Income jz short of RM10K...  or Alternatively take AmBank Visa Signature (Income Requirement: RM80K p.a) • 5X lounge access per annum & You can Convert your Maybank VS to, Maybank 2 Cards (Good on PTPTN) * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 per customer (including Supp Card member) per month. or MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. Then can Cut your Citibank Cards, liao This post has been edited by fly126: May 30 2017, 11:58 PM |
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May 31 2017, 04:20 PM
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#134
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(GloryKnight @ May 31 2017, 04:13 PM) I would like to have a cashback online credit card. PBB Which of these 2 cards has the best benefits? Cimb cash rebate vs public bank quantum master Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. CIMB CR MasterCard- 5% CB capped at RM30 per month However, NO CB earn on Flight Ticket Purchase. CIMB got Charge Cross Border transaction fees, PBB Doesn't... This post has been edited by fly126: May 31 2017, 04:31 PM |
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Jun 2 2017, 05:04 PM
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#135
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Senior Member
4,404 posts Joined: Jun 2012
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edited 2x post....
 This post has been edited by fly126: Jun 2 2017, 07:20 PM |
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Jun 2 2017, 05:46 PM
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#136
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(annoymous1234 @ Jun 2 2017, 05:33 PM) 1. Annual Income: RM38K MBB Ikhwan Mastercard (Lifetime Fee Waiver) - 5% Cash-Back on Petrol & Groceries, every Fri/Sat., CB capped at RM50/month. 2. Free Lifetime Annual Fee: Must 3. Card required for: only for petrol DURING weekdays 4. Existing credit cards (if any): PB quantum 5. Interested in CC from: any bank 6. Others: I usually pump petrol on weekdays, so would be awesome if can get a cc that offer high cashback on weekdays. Also I prefer a card that can give cashback instead of points like maybank. Thanks in advance  UOB One Card & Citibank Cash-Back Card However, Both Cards do Come with AF... » Click to show Spoiler - click again to hide... « This post has been edited by fly126: Jun 7 2017, 10:22 AM |
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Jun 2 2017, 07:17 PM
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#137
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Senior Member
4,404 posts Joined: Jun 2012
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[quote=lemonstrawberry88,Jun 2 2017, 03:39 PM] hai all sifu, im newbie. for now im only had citi CB, try to apply amex but fail (will ask my wife to apply), HSBC amanah on the way (to get lazada RM500) after go through the forum, this are my plan to pay my bills. total CB 120/month. ~rm2500/month payment. » Click to show Spoiler - click again to hide... « want to ask any cons or suggestion for this draft. [/quote] Too many Cards...   FYI, Most of the Insurance Provider Don't Accept Amex for Payment...  Allow Me to Recommend U more Suitable Card to Cover your Daily Expenses...  JustOne Platinum MasterCard  » Click to show Spoiler - click again to hide... «
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Jun 6 2017, 09:42 AM
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#138
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(realitec @ Jun 6 2017, 08:06 AM) 1. Annual Income: RM24K+ I) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment. 2. Free Lifetime Annual Fee: A Must or 12swipes to waive. 3. Card required for: Petrol / PTPTN 4. Existing credit cards (if any): HLB Essential 5. Interested in CC from: Any bank as long as my application got approved 6. Others: Hope to get cash back on Petrol instead of points. However, would possible if you compare them points vs cash bank, which one is better. https://www.sc.com/my/credit-cards/goldcard/gold-card.html ii) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending, & also Good for PTPTN. http://www.alliancebank.com.my/younique
HOW Alliance You:nique Cashback tier Works - RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap). So far how many Bank have rejected your Apps, already...??? This post has been edited by fly126: Jun 6 2017, 10:31 AM |
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Jun 6 2017, 03:09 PM
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#139
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(low yat 82 @ Jun 6 2017, 02:52 PM) 1. Annual Income: RM36K to RM60K Maybank 2 Cards (Good on PTPTN)2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol (main priorities), Free airport Lounge Access (optional) 4. Existing credit cards (if any): Cimb Platinum 5. Interested in CC from: before this interested wit aeon big CC but maciam petrol rebate kurang ummph 6. Others:- tq for help! * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 per customer (including Supp Card member) per month. or MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. Aeon Big or Aeon Gold CC - 6x PPL Access p.a This post has been edited by fly126: Jun 6 2017, 03:12 PM |
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Jun 7 2017, 10:39 AM
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#140
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(low yat 82 @ Jun 7 2017, 10:03 AM) my annual income is let say at 60k UOB One Card & Citibank Cash-Back Card However, Both Cards do Come with AF... any cards dat has cash back on petrol not onli on fri/sat? » Click to show Spoiler - click again to hide... « This post has been edited by fly126: Jul 10 2017, 07:52 PM |
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