1. Annual Income: 72k above

2. Free Lifetime Annual Fee: yes or swipe once within 12 months

3. Card required for: cashback/reward, moving into new house and planning to buy some electrical appliance online/store

4. Existing credit cards (if any): List them or Nil.

5. Interested in CC from: HSBC Visa Signature

6. Others: Back to Malaysia during weekend, occasionally spent on dining/shopping/petrol/grocery

1. Annual Income: RM36K to RM60K.

2. Free Lifetime Annual Fee: Depends.

3. Card required for: Utility bills less than RM1000 a month.

4. Existing credit cards (if any): UOB Preferred Platinum, UOB One, MB2Card

5. Interested in CC from:

6. Others: Finding best cash rebates/reward points for paying utility bills. Excluding HLB Wise, SCB Justone & CIMB Cash Rebate Card as there's a minimum spend and monthly cap that limits the cashback %.

Maybank 2Cards, Maybank Ikhwan Mastercard, PBB Quantum 2Cards & Maybank FC Barcelona Visa Signature

PBB Quantum 2Cards & Maybank FC Barcelona Visa Signature

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: Yes, or waive with 12 swipes

3. Card required for: Cash Back/Rebate Only, use for petrol, shopping, dining, utilities (usual spending RM800-1500 monthly)

4. Existing credit cards (if any): Alliance Younique card

5. Interested in CC from: any

6. Others: Sign up gift if any.


Additional questions:

Maybank credit card has sign up gift of a Halogen cooker, but I am not keen on cooker. The offer will end December 2017, will there continue to have Gift (a different type) or sign up cash back for Credit card application after January 2018?

Is it reliable to sign up Credit card through Ringgit Plus?

This post has been edited by siawyent: Dec 13 2017, 03:23 PM

I) PBB Quantum 2Cards (Free for Life)
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.
You can Pay your (UTILITIES) billing thru Online to get Cash Back...
+ This PBB Quantums come with a Flexi-Payment Plan Offer 0% for 12 months with minimum purchase of RM1,200.

II) Maybank FC Barcelona Visa Signature
* Lifetime Fee Waiver
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

III) Maybank 2 Cards
* 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 / month.
Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back

IV) Maybank Ikhwan MasterCard - 5% Cash Back for Petrol & Groceries Spend, Every Fri, Sat . Max CB Capped at $50/month.

Thanks for the recommendations.

Maybank 2 cards and Ikhwan Master card also have lifetime waiver?

For all the suggested 4 types of cards, Supplementary cards can also accumulate for cash back? and Annual fee for Supp card also waived?

This post has been edited by siawyent: Dec 14 2017, 02:36 PM

all cards above WITHOUT annual fee! dont even have to spend something to waive it.

supp spending always accumulated together with the principal. cashback is to the principal.

Any recommendation credit card for ONLINE SHOPPING and provide higher cashback
return monthly ??

Prefer the card is free of annual fee ..

currently using pb quantum card only .

thank you .

can you recommend any other website aside from ringgitplus that can offer gift(s) when signing up cc with them?

1. Annual Income: RM36K to RM40K

2. Free Lifetime Annual Fee: Preferred or with min usage.

3. Card required for: Petrol and Utilities Mainly. Some overseas purchases.

4. Existing credit cards (if any): Maybank Man Utd Visa

5. Interested in CC from: Any.

This post has been edited by james2306: Dec 15 2017, 06:15 PM

The HLB Essential visa can counter your ocbc 365.

The Maybank balancer transfer no processing fee?

This post has been edited by rainbird: Dec 17 2017, 05:42 PM

Any miles cc to recommend for such big purchase?

Please take note:
YOLO will change new T&C start on incoming Jan 2018.
http://www1.uob.com.my/personal/cards/credit/yolo/index.html

Is there a thread for HL Essential card? I try to search but no result.

This post has been edited by sam240: Dec 17 2017, 09:23 PM

duplicated

This post has been edited by sam240: Dec 17 2017, 09:22 PM

not all card require a dedicated thread. Essential q&a can be posted in HLB Wise thread.

May I know which bank offer free luggage on signup of credit card right now?

Thanks.

https://www.hlb.com.my/content/dam/hlb/my/d...d%20Updates.pdf

This post has been edited by fly126: Dec 18 2017, 01:01 AM

Maybank 2Cards (Everything), UOB Yolo (Online Spend, Dining Spend and Travel Spend), MBB Ikhwan MC (Petrol).
http://www1.uob.com.my/assets/pdf/tnc/YoloCard-tnc-eng.pdf

This post has been edited by fly126: Dec 18 2017, 01:14 AM

UOB YOLO
http://www1.uob.com.my/assets/pdf/tnc/YoloCard-tnc-eng.pdf

Maybank 2Cards

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

This post has been edited by fly126: Dec 18 2017, 01:43 AM