1. Annual Income: RM60K

2. Free Lifetime Annual Fee: yes

3. Card required for: cashback priority. Breakdown: petrol 300, dining 200, misc 300

4. Existing credit cards (if any): CIMB CB, HLB Mach

5. Interested in CC from: Any

6. Others: preferably get better cb for petrol and dining. Sometimes online transaction too.

This post has been edited by jay2you: Dec 3 2017, 06:05 PM

Thank you

the all purpose 2% cashback card from maybank - FC Barcelona , without AF, too.

Hi Sifu,

Pls help to suggest a card tat meant meet below criteria:
1. Annual income: will pledge fd to get the card.
2. Free life time: yes if can. Else it’s fine not to waive if benefit > annual fees.
3. Card requirement: for online spending only, mostly in foreign currency.
4. Existing card: mbb visa signature, mbb2c, hlb wise card.
5. Interests in cc from: any bank.
6. Others: looking for a card tat give the best return/benefit, benefit/return can be treat point, cash back, air miles or etc.. converted in equivalent value($) is the greatest/highest, avg monthly spending on this category(online local/foreign currency) is around rm3-8k.

Thanks..

This post has been edited by FD2r: Dec 5 2017, 07:42 AM

1. Annual Income: RM44K

2. Free Lifetime Annual Fee: yes or 12 swipe waive

3. Card required for: cashback. priority for online shopping. also backup mbb ikhwan for petrol on grocery.

4. Existing credit cards (if any): mbb ikhwan, cimb cr (plan to cancel)

5. Interested in CC from: Any

Airmiles : Maybank 2 Premier / Ambank WMC.

But for points wise, WMC requires the spending to be overseas to get the higher points allocation but Ambank also has one of the most competitive forex rate in the market for credit cards.

Maybank 2 Premier on the other hand gives you one of the fastest air miles accumulation if you spend 3-8k a month.

Guys, i got the maybank2 cards approved dy (visa and amex) but when i click activate it shows this message as in the pic? Does it mean if i activate one and then the other, the first one will get deactivated?

Thanks in advance


Attached thumbnail(s)

This is general statement for those who r existing cardholder who get replacement card for pin n pay, previously not pin n pay

So, u can just proceed to activate the card, the statement not applicable to u since u r new to bank cards

I'm looking into ringgitplus 1111 promotion.
Any suggestion on which card to take?

Prefer
- Free lifetime annual fee
- Petrol, cashback, groceries, online shopping

Not interested
- Dining
- Travel
- Balance transfer, etc

I) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html


II) Maybank 2 Cards (Good for 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.

III) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending, & also Good for PTPTN.
http://www.alliancebank.com.my/younique


I) UOB Yolo - 6% CB for Online Spend, 3% CB on Dining
However, Total Monthly Spend:
RM0 - RM499 = 0 CB
RM500 - RM799 = Max. Cashback Capped at RM 20
RM800 & Above = Max. Cashback Capped at RM 50

II) PBB Quantum 2Cards (Online + Dining + Entertainment + Departmental Stores)

AND,

You might also Consider Maybank Ikhwan Mastercard, 5% Cash-back on Groceries & Petrol Every Fri, Sat.

SCB JustOne Platinum MasterCard Credit Card
for Petrol, eCommerce & Auto billing (Utilities Bill, Insurance via Auto Debit), EZ Fee Waiver with jz Call CS request an AF Waiver

Edited 2X post...

This post has been edited by fly126: Dec 7 2017, 12:46 AM

if i am to swipe an amount of rm22450, which card is the best to use to enjoy the most rebate?

This post has been edited by westlife: Dec 7 2017, 01:37 AM

HLB Essential: 0.6% on 1st RM5000 spend or any Insurance Transaction, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

American Express® Cash Back Gold Credit Card
Unlimited Cash Back.
No minimum spend. No rebate cap.
1% Cash Back on local spend.
1.5% Cash Back on overseas spend.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

ic. thanks for the recommendation. i dun think they accept amex.

looking around the card i have.

i guess i will charge:
1) rm1500 on my Standard Chartered Cashback Gold MasterCard for rm50.
2) rm2500 on my Maybank FCB Visa Signature card for rm50.
3) the rest of amount (RM18450) on my OCBC 365 MasterCard
1.0% rebate on first monthly spend of RM1,000 - RM10
0.5% rebate on subsequent spend above RM1,000 - RM87.25

total rebate: rm197.25

after that do a balance transfer 0% interest for 12 months to my maybank credit card on the amount RM1500 + RM18450 = RM19950.

monthly repayment = RM1662.50.

This post has been edited by westlife: Dec 7 2017, 02:17 AM

wahh..dp for new car ke?

Dear Mr fly126,

For Maybank Ikhwan MasterCard, the 5% Cash back is only for Petronas or any stations?

Cheers!

any petrol brand

haha. secret.

sorry wrong thread eheh

This post has been edited by vinvon23: Dec 7 2017, 01:45 PM

follow template from post #1