Welcome Guest ( Log In | Register )

Bump Topic Add Reply RSS Feed
25 Pages « < 7 8 9 10 11 > » Bottom

Outline · [ Standard ] · Linear+

Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

views
     
fly126
post Jun 27 2017, 08:14 AM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(wgn_white @ Jun 27 2017, 02:37 AM)
Hi, guys.
Newbie in CC here but it seems the convenient and benefits is something good to have.
Help me.
Below is my info.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Bills, restaurants, movies, online local and foreign purchase, local and foreign offline purchase, 0% installment plan to purchase furniture and electronics*, flights, hotels,

4. Existing credit cards (if any): Nil (But actively using PBB Debit and MBB Debit)

5. Interested in CC from: Maybank, but I'm too new to justify. Feel free to recommends others.

6. Others: *Real reason I suddenly thinking to get a CC is to purchase expensive electronics like camera, lens, computers, at 0% installment plan for my freelance work. Paying cash RM10K for a camera body or a Macbook Pro is a bad cash flow in my point of view. But still needed to purchase these items to earn. Other than that, I'll have frequent flight to outside Malaysia. Might as well collect some points with that?
*
i) 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.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

ii) SCB Cashback Gold - 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html
fly126
post Jun 27 2017, 09:36 AM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(wgn_white @ Jun 27 2017, 09:22 AM)
Thank you.
Now I have somewhere to start research.
*
Jz go to Post #723 for Reference.
https://forum.lowyat.net/topic/4161836/+720#

This post has been edited by fly126: Jun 27 2017, 09:38 AM
fly126
post Jun 28 2017, 01:04 AM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(hirano @ Jun 27 2017, 10:44 PM)
1. Annual Income: N/A (is deciding between 2 cards below).

2. Free Lifetime Annual Fee: A Must

3. Card required for: PTPTN lump sum payment, GSC/TGV cinema via app, online purchases

4. Existing credit cards: MBB Ikhwan Mastercard

5. Interested in CC from: CIMB cash rebate & PBB Quantum

Note:
- Both of the above option has online cashback 5% which i'm interested in
- I don't use petrol.
- Has savings acc in CIMB, not PBB (so probably easier to apply on CIMB)
- Wondering which card is more beneficial overall?
*
PBB Quantum MC & CIMB CR MasterCard Both come with Same 5% Cash Back for Online transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

But however, CIMB CR WON'T earn YOU any Cash back from Flight Ticket Purchase or PTPTN (government related transaction) plus, they Charge Cross Border transaction fees. sweat.gif
Note: Cross Border Fee - charged to a merchant when a customer uses a credit card as payment for purchases or services from an issuing bank not located in the same country as the merchant's processing account.

As for PBB Quantum MC, you can earn CB on PTPTN Payment, buying flight ticket the best part's PBB Doesn't charge any Cross Border Fee like CIMB thumbup.gif

Also, Why not cosinder Apply or Convert to Maybank 2 Cards is more Practical use, Since You are not much Utilized Your MBB Ikhwan MC: Petrol & Groceries
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Jun 28 2017, 01:19 AM
fly126
post Jun 30 2017, 01:46 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(azrazrazrazr @ Jun 30 2017, 11:53 AM)
1. Annual Income: RM90K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Other transactions. I already have cc for petrol, groceries, online, dining, departmental store, entertainment which I think are adequate. I prefer cashback but a good reward programme is OK too.

4. Existing credit cards (if any): PBB Quantum, MBB Ikhwan, MBB Ikhwan Petronas

5. Interested in CC from: Open for suggestions.

6. Others: Please be specific. I have applied for MBB Amex Duo but rejected. Probably because I already have two cards with them (Ikhwan).
*
U have rejected on M2C recently, try request Split CL from your Ikhwan by write in an Appeal Letter to Them (mbbcardservices@maybank.com.my) just the Title change to Maybank 2Cards, macam ni...
» Click to show Spoiler - click again to hide... «


MISC. Spend - Alliance You:nique, HLB Essential, MBB 2Cards, SCB Cash-Back Gold.
» Click to show Spoiler - click again to hide... «
fly126
post Jun 30 2017, 08:17 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
Edited...


This post has been edited by fly126: Jun 30 2017, 08:22 PM
fly126
post Jun 30 2017, 08:37 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(isAb3lle @ Jun 30 2017, 08:01 PM)
1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Preferably waivable

3. Card required for: Petrol, insurance, Education, Groceries

4. Existing credit cards (if any): MBB ikhwan, CIMB CR

5. Interested in CC from: No preference.

6. Others: I'm looking for cards that can provide good cash back rebate or points for insurance, petrol and groceries. And if possible education fee too. tried applying for additional MBB2cards but got rejected.
*
Why not write them an Appeal letter request for Spilt CL from Your Ikhwan in order to get Maybank 2 Cards, Your can get details on the Post #821 which's above Yours & Check on MISC. spend Card from there maybe some CC will Suite Your Needs icon_idea.gif

GROCERIES - MBB Ikhwan MC, CIMB CR Mastercard, MBB Visa Signature, PBB VS, UOB One, Citi CB Card.

IF... Your Income is RM100k p.a, you may try to apply PBB Visa Signature. It give 6% CB on Groceries, Dining, Online Spend (Max. CB $50/month) + It's a Lifetime Fee Waiver Card with 12x Swipes p.a. The Cards that Highlighted is Free For Life or EZ Fee Waiver & Come with a Decent Cash Back.

SCB JustOne Platinum MasterCard Credit Card - Insurance via Auto Debit EZ Fee Waiver with jz Call CS request an AF Waiver nod.gif
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Jun 30 2017, 09:00 PM
fly126
post Jul 3 2017, 01:23 AM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(tapiritam @ Jul 3 2017, 12:51 AM)
1. Annual Income: RM50K

2. Free Lifetime Annual Fee: YES

3. Card required for: Online purchase, dining, departmental

4. Existing credit cards (if any): MBB2Card, Maybank Ikhwan

5. Interested in CC from: Please suggest. Im thinking of getting cimb cb cc & PBB quantum. Any other suggestion or comment?

6. Others: I'm looking for cards that can provide good cash back rebate or online purchase, dining, departmental etc which has free lifetime anual fee that can complement both my mbb2card & ikhwan.
*
PBB Quantum 2 Cards are the Best choice... thumbsup.gif
fly126
post Jul 5 2017, 06:59 AM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(IAmNotARobot @ Jul 5 2017, 02:40 AM)
Hi guys, would like to get a recommendation. Really a noob here.
1. Annual Income: 75k

2. Free Lifetime Annual Fee: No

3. Card required for: To spend on petrol & tolls for me and my wife's car, occasional air travel tickets, groceries, utilities bill (so I can get a grace period of 20 days to settle it without any utility cut-off penalties) and maybe to pay for monthly insurance bill. I also frequently buy items from overseas Ebay (in USD, using Maybank debit card and the currency exchange set by Maybank)

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

5. Interested in CC from: No idea really, there's so many to choose from. Although I do have an active savings and current account with Maybank (if that helps?)

6. Others: I haven't had any credit card before and my only loan as of now is a hire-purchase loan from Maybank. I don't really like to get in debt, I usually buy all the stuff I need by cash but now I understand that with a line of credit, I can have that 'flexibility' to pay the amount over time and so I plan to utilize some sort of EPP with the card.

Looking forward to read any recommendations.

Thank you!
P
*
Maybank Visa Signature or HLB Wise or SCB JustOne Plat.

SCB JustOne Platinum MasterCard Credit Card - Utilities Bill, Insurance via Auto Debit EZ Fee Waiver with jz Call CS request an AF Waiver nod.gif
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Jul 5 2017, 09:22 AM
fly126
post Jul 7 2017, 05:58 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(realitec @ Jul 7 2017, 12:27 PM)
Hi all, current income is above 24k. Existing card HLB credit card. Planning to apply Public Bank Credit card for easy 0% interest 9 months installment plan. However it is rejected. Any other similar card to convert my purchase to 9-12 months 0% interest installment plan?
*
It is Depends on the Bank & their Current Promo. rolleyes.gif
What you gonna to buy, IT Gadget, or Home Appliance or... !? confused.gif blink.gif hmm.gif
can refer to 0% Interest | senQ® Digital Station http://www.senq.com.my/updates/tag/0-interest/
fly126
post Jul 8 2017, 11:15 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(1setsuna1 @ Jul 8 2017, 09:09 PM)
1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, groceries, online purchase, phone bill, utilities

4. Existing credit cards (if any): Maybank 2 cards

5. Interested in CC from: PBB Visa Signature
*
i) MBB Ikhwan Mastercard - 5% CB on Petrol, Groceries spend every Fri, Sat. (Max. CB $50/month) thumbsup.gif

ii) PBB Visa Signature - 6% CB on Groceries, Dining, Online Spend (Max. CB $50/month) thumbsup.gif
OR
iii) SCB JustOne Platinum MasterCard Credit Card - Utilities or Telco Billing, Insurance via Auto Debit, an EZ Fee Waiver with jz Call CS request an AF Waiver nod.gif
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Jul 8 2017, 11:24 PM
fly126
post Jul 10 2017, 01:39 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(spiderwick @ Jul 10 2017, 12:34 PM)
1. Annual Income: > RM 120k
2. Free Lifetime Annual Fee: A Must/ swipe 12x

3. Card required for: Groceries, utilities, retail shopping, petrol, online transactions, hotels, overseas expenses

4. Existing credit cards (if any): MBB Ikhwan PETRONAS, Clear Card (thinking to cancel this) and Premier miles from Citibank

5. Interested in CC from: Public bank visa signature

6. Others: prefer cash back form of credit cards. Travel once a month to overseas

Thank you for your recommendation! smile.gif
*
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.

AmBank VISA Infinite Card /AmBank World MasterCard (Income Requirement: RM120K p.a)
• 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia.
• All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in.
• 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 with over 50 airlines partners. (Note: 5,000 AmBonus points = 1,000 Air Miles)

http://www.ambank.com.my/eng/cards/visainfinite
fly126
post Jul 10 2017, 04:18 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(spiderwick @ Jul 10 2017, 02:18 PM)
thanks fly126 for your recommendation! just wondering comparing ambank visa infinite and maybank 2 cards platinum, what's your thought?
*
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

the people get This Card becos it's FREE for Life with No AF +Unlimited PPL access from Various location with No condition attached... it's more like a Pure Air-miles CC to the cardholder. As we know most the Air-miles Earning + PPL Access Privileges credit card may come with an Annual Fee like more than $600 a year & with limited Choice of PPL Access https://www.ambank.com.my/ambank/Documents/...stofAirport.pdf

Maybank 2 Cards (Good with PTPTN)
* It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period
* 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.

Maybank 2 Card is more like a multi-purpose General CC which we can...
Convert the Treats Point for Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period

You can Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB) or Standard On-Spot Redemption Conversion: 400 TPs = RM1 or 10,000 Treats Points = 1000 Enrich Mile (Effective 1 March 2015). So with RM1 = 5x TP, it works out to RM2 spent = 1 Enrich Mile for the Enrich Miles Conversion

So, Why not get BOTH CARDS... thumbsup.gif

This post has been edited by fly126: Jul 10 2017, 04:41 PM
fly126
post Jul 13 2017, 02:21 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(shinchan99 @ Jul 13 2017, 09:24 AM)
1. Annual Income: RM 50K.

2. Free Lifetime Annual Fee: A Must

3. Card required for: Highest available petrol rebate

4. Existing credit cards (if any): UOB & Alliance Bank

5. Interested in CC from: Any bank that can offer highest petrol rebate, but doesn't limit how much transaction or petrol to be pump each month
*
Maybank 2 Cards, MBB Ikhwan MasterCard.
fly126
post Jul 13 2017, 08:03 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(shinchan99 @ Jul 13 2017, 02:30 PM)
Maybank 2 cards only applicable 5% rebate on weekend?

Ikhwan 5% rebate on friday and weekend?

Any other cards that doesnt have days limit?
*
SCB JustOne Plat. MC Credit Card - Up to RM85 CB/ month on Petrol, Online spend, Auto Debit Billing, an EZ Fee Waiver with jz Call CS request an AF Waiver nod.gif
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Jul 13 2017, 08:21 PM
fly126
post Jul 13 2017, 08:16 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(andykok @ Jul 13 2017, 07:44 PM)
1. Annual Income: RM70K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, groceries, online purchase, phone bill, utilities

4. Existing credit cards (if any): No

5. Interested in CC from:

Please suggest me a CC with Free Lifetime annual fee.
I was rejected by Maybank for applying Maybank 2 gold card many times.

therefore, looking for other CC with benefits like maybank 2 gold card.

thank you so much in advance
*
ALL these Cards are Lifetime Fee Waiver so NO Worries... thumbup.gif

PBB (Quantum 2 Cards)
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 bill thru Online to get Cash Back... icon_idea.gif
https://forum.lowyat.net/topic/4251865

CIMB Cash Rebate Mastercard
* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES)
* 2% CB for Petrol, Groceries
* 5% CB for E-Commerce/Online Spend (Max. CB RM30/month) NO CB on Flight Tickets Booking
* 0.2% CB on Other Retail Spend
With Total Maximum CB capped at RM50/month
https://forum.lowyat.net/topic/3988506
OR
MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat, with Max. CB RM50/month.

This post has been edited by fly126: Jul 13 2017, 08:27 PM
fly126
post Jul 13 2017, 09:43 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(andykok @ Jul 13 2017, 09:28 PM)
the ppb one seems like very attractive to me , thank you so much bro  notworthy.gif  notworthy.gif

what do you think citi bank credit card ? got free life time annual fee?
*
Got one... It's Called Simplicity it's a Basic card. And, Most of Citibank CC do have an AF & may Not suit your needs.
fly126
post Jul 13 2017, 10:23 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(andykok @ Jul 13 2017, 09:51 PM)
alright noted, thank you so much for all the advice.

gonna apply PBB one  thumbup.gif  thumbup.gif

have a nice day bro
*
U may try applying MBB Ikhwan MC (Petrol & Groceries) to Compliment with PBB 2 Quantum for Your Needs.

Btw, Out of Curiosity how many times Maybank have Rejected You...? hmm.gif






fly126
post Jul 13 2017, 10:23 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
Edited 2x post...

This post has been edited by fly126: Jul 13 2017, 10:25 PM
fly126
post Jul 13 2017, 10:56 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(andykok @ Jul 13 2017, 10:28 PM)
Actually i m thinking to compliment with citibank shell card (for petrol)
Ppb one will be for dining , entertainment.

April got rejected 2 times. Yesterday online apply with recent income tax receipt. My income is qualified for the card, but do not know why get rejected, even call to service department, also cannot check ==… speechless...
*
OIC, How About SCB Just One Plat., Up to 15% CB on Petrol, Online & Auto Billing you can check Details on Post #862 the Post jz above Your 1st post
Jz Reference IF U R Interested ... whistling.gif

Citibank-Shell Card (Annual Fee: RM 206.70)
» Click to show Spoiler - click again to hide... «


UOB One Card & Citibank Cash-Back Card However, Both Cards do Come with AF... sweat.gif
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Jul 13 2017, 11:34 PM
fly126
post Jul 13 2017, 11:25 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012
QUOTE(andykok @ Jul 13 2017, 11:06 PM)
The UOB one card seems really good , got cb for many things (can say one card for all ). I assume we can just waive the annual fees right.?
Btw, bro u really did a lot of research in credit card.. salutes=)
*
It's Depends sometimes UOB may give Up to 3 Years AF Waiver for NEW Signup U can ask for Details at CC Booths at Shopping Mall
https://forum.lowyat.net/topic/1916038

Really, jz compiled from My Old Posts... Actually, I got these cards that's why I know their Pros & Cons blush.gif tongue.gif

This post has been edited by fly126: Jul 14 2017, 11:53 AM
« Next Oldest · Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards · Next Newest »
 

25 Pages « < 7 8 9 10 11 > » Top
Add ReplyOptions
 

Change to:
| Lo-Fi Version
 0.0271sec    0.27    7 queries    GZIP Disabled
Time is now: 4th December 2025 - 07:46 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.