CREDIT CARD EXPERT, PLEASE GUIDE ME.

Hello guys.

It's my first time to apply a credit card. My monthly commitment is only paying PTPTN for m50/month. No car loan, no personal loan, no house loan, no other credit cards.

1. Annual Income: 55k

2. Free Lifetime Annual Fee: Yes. Need free lifetime annual fee

3. Card required for: Petrol, Cash Back/Rebate Only, Overseas Transactions (Twice a year perhaps), For emergency purpose, Online shopping transactions.

4. Existing credit cards (if any): No credit card

5. Interested in CC from: I have no idea about this.

6. Others: Please be specific. Actually i want to get a credit card only for emergency purpose. Example i go out and dont have enough cash to purchase something, so i have an alternative.

Hi,

is that uob one card and yolo have annual fees?
and is that any credit card can apply by salary rm1500 per month?
or need to pledge fd?

do you know how much for the annual fees? or swipe example 12 times to wavier?
and how much need to pledge FD for maybank or public bank?

Hello, which card to get?

1. Annual Income: 48K

2. Free Lifetime Annual Fee: Yes (or if can waive annualy)

3. Card required for: Cashback, or anything you think can benefit a first time user

4. Existing credit cards (if any): none

5. Interested in CC from: Any

6. Others: First time going to apply for credit card. I'm looking for something that can make my life extra easy (cashback, easy payment plan and whatnot). Expenses is mainly grocery.

from hlb wise card thread, found out this mbb cc
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

check it out...going to apply to replace Essential card...

hi!

i applied for cimb cash rebate cc last month.. no news until i called them to know my application is rejected.. i only own 1 cc at the moment which is cimb petronas.. why la got rejected.. do i need to cancel my current cc for my new application to get approved?

thanks for suggestion. what do you think about ocbc titanium? it seems no thread dedicated for ocbc credit card.

Don’t use so many credit card. One is enough otherwise you fall into credit trap.

Good day to all,

1. Annual Income: RM24K to RM30K
2. Free Lifetime Annual Fee: Preferably 
3. Card required for: Online purchases, Travel, Overseas Transactions, Airport Lounge
4. Existing credit cards (if any): None
5. Interested in CC from: None yet, would be the first CC.
6. Others: Prefer cash back over reward points. Must be widely accepted throughout the world.

Thank You.

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Utilities, Groceries, Cash Back/Rebate Only, Online Transactions, Overseas Transactions

4. Existing credit cards (if any): MBB 2 cards gold, MBB Petronas Visa

5. Interested in CC from: Maybank preferred but open to others.

6. Others: Pay amount due with M2U, want cash back & reward points if possible.

Tq

Income requirement for Maybank Credit cards is RM30k. Make sure you can show >RM30k then you can choose cards. Otherwise go to other banks to apply.

Good day to all,

1. Annual Income: RM20K to RM40K

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Petrol & telecommunication (Uber/Grab driver with petrol expenses up to approx. RM1,000/mth)

4. Existing credit cards (if any): None

5. Interested in CC from: All

6. Others: Prefer cash back over reward points.

Thank You.

Just need some clarification.
PB Quantum come in a package of 2 cards (like Maybank 2 cards) or do i need to apply twice?

So say in conjunction with Ringgitplus campaign, i will get RM200 x2 touch and go??

Sounds like a super good deal.

Hi All,

Need CC recommendation for :

1. Annual Income: RM100k - 150k

2. Free Lifetime Annual Fee: A must

3. Card required for: Dining, Petrol, Online Spending, Telecommunication Bill, Gym membership.

4. Existing credit cards (if any): MBB 2 Cards, HL Mach, UOB One Card, MBB Infinite (Sup card)

5. Interested in CC from: Any

6. Others: Prefer cash back over reward points. If have airport lounge access, even better.

Thanks in advanced

1. Annual Income: ~RM100k

2. Free Lifetime Annual Fee:  Better if waived

3. Card required for: F&B , Utilities, School fee , Place that do not accept amex

4. Existing credit cards (if any): MBB 2 cards  , Citibank Premier miles , SCB WMC , AMbank VS , Alliance plat

5. Interested in CC from: open

6. Others: Looking for better card in term of cash back for paying school fees and places do not accept amex . currently keeping CItibank and SCB ambank for lounge access.

hi any idea should i just cancel the alliance platinum since it does have much benefit and doesnt wanna keep it hehe...

hi for MBB FCB VS whats this about actually :
Visa Airport Speed Pass

    Enjoy the convenience and efficiency of fast track immigration at over 280 international airports with Visa Airport Speed Pass
    Visit www.airportspeedpass.com for more information on participating airports

Any good online Cashback card besides:

- PB Quantum MC
- PB Visa Signature

well you can go for uob yolo 

Yup yup, thanks!
Anything with direct use that I can replace the CIMB Cash Rebate. My current spend pattern exceeds both the PB Visa Signature and PB Quantum MC combined, so I need something else.

can recommend me the best lifetime free annual fee credit cards with cash rebate on petrol?

thanks for this suggestion.
it is really a good one.
Citibank Platinum annual fee RM 600 (unlimited airport lounge access)
UOB PRVIMILES stop the airport lounge service starting 1st jan.
i will apply this for sure.