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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 Feb 8 2018, 03:18 PM
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Junior Member
422 posts Joined: Nov 2007  
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1. Annual Income: RM60K
2. Free Lifetime Annual Fee: Yes or can be waived 3. Card required for: Online/Dining. 4. Existing credit cards (if any): Maybank 2 card, Maybank FCB Visa, Hong Leong Essential 5. Interested in CC from: Not really 6. Others: Cashback! unless a lot points and won't expire |
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Feb 8 2018, 03:47 PM
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Junior Member
76 posts Joined: Sep 2012
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1. Annual Income: RM45K
2. Free Lifetime Annual Fee: Depending on cash back amount. 3. Card required for: Paying Petrol, Mobile Plan, etc for Cash Back. 4. Existing credit cards (if any): Nil. 5. Interested in CC from: 6. Others: Cashback or attractive rewards |
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Feb 8 2018, 04:38 PM
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#1703
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Senior Member
4,404 posts Joined: Jun 2012  
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QUOTE(joevo2 @ Feb 8 2018, 03:18 PM) 1. Annual Income: RM60K 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: Yes or can be waived 3. Card required for: Online/Dining. 4. Existing credit cards (if any): Maybank 2 card, Maybank FCB Visa, Hong Leong Essential 5. Interested in CC from: Not really 6. Others: Cashback! unless a lot points and won't expire  https://www.sc.com/my/credit-cards/goldcard/gold-card.html PBB Quantum 2Cards 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. QUOTE(xMusashii @ Feb 8 2018, 03:47 PM) 1. Annual Income: RM45K CIMB Cash Rebate Mastercard2. Free Lifetime Annual Fee: Depending on cash back amount. 3. Card required for: Paying Petrol, Mobile Plan, etc for Cash Back. 4. Existing credit cards (if any): Nil. 5. Interested in CC from: 6. Others: Cashback or attractive rewards Maybank 2 Cards Maybank Ikhwan MasterCard Alliance You:nique This post has been edited by fly126: Feb 8 2018, 04:39 PM |
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Feb 8 2018, 04:59 PM
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Junior Member
76 posts Joined: Sep 2012
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QUOTE(fly126 @ Feb 8 2018, 04:38 PM) CIMB Cash Rebate Mastercard What about HLB Wise and Mach?? For HLB Wise, my phone plan is already RM200 per month and petrol might also reach 300. Dining could exceed RM500 too. Mach can be use once the Wise card reaches RM2k, with RM100 CB fully utilize. Is this okay? Maybank 2 Cards Maybank Ikhwan MasterCard Alliance You:nique  |
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Feb 8 2018, 05:10 PM
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Senior Member
4,672 posts Joined: Nov 2016
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QUOTE(xMusashii @ Feb 8 2018, 04:59 PM) What about HLB Wise and Mach?? For HLB Wise, my phone plan is already RM200 per month and petrol might also reach 300. Dining could exceed RM500 too. Mach can be use once the Wise card reaches RM2k, with RM100 CB fully utilize. Is this okay? There is no annual fees waiver for WISE card, which costs RM22 monthly, so the actual cash back u are getting is only RM78 assumed that every month u spend more than RM2000 retail transactions. Meanwhile, Mach only most benefit for dining and movies if u are movieholic. |
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Feb 8 2018, 05:28 PM
Show posts by this member only | IPv6 | Post
#1706
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(xMusashii @ Feb 8 2018, 04:59 PM) What about HLB Wise and Mach?? For HLB Wise, my phone plan is already RM200 per month and petrol might also reach 300. Dining could exceed RM500 too. Mach can be use once the Wise card reaches RM2k, with RM100 CB fully utilize. Is this okay? Don't Forget the HLB Wise got 160 bucks Annual Fee & HLB Mach need $5 Subscription Fee /Category every 3 months...  U better get PBB Quantums (Online & Dining, Entertainment & Departmental Stores) btw,You also can Pay your (UTILITIES) billing thru Online to get Cash Back... maybe pair up with other MISC. Cards like, SCB CB Gold, HLB Essential to Maximize your CB Btw, All these also Lifetime Fee Waiver...  CIMB Cash Rebate Mastercard (Petrol, Groceries, Utility Billing via Standing Instruction, Overseas spend) Maybank 2 Cards (Everything) Maybank Ikhwan MasterCard (Petrol, Groceries) Alliance You:nique(Everything) This post has been edited by fly126: Feb 8 2018, 05:30 PM |
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Feb 8 2018, 05:46 PM
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Junior Member
422 posts Joined: Nov 2007
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QUOTE(fly126 @ Feb 8 2018, 04:38 PM) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment. PBB Quantum is 2 separate card? not like MB 2 card right. PBB points would it expire? Any other nice CB card to recommend? for online and dining. Was looking at UOB YOLO but turn off by the limited CB cash pool and minimum swipe needed.https://www.sc.com/my/credit-cards/goldcard/gold-card.html PBB Quantum 2Cards 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. CIMB Cash Rebate Mastercard Maybank 2 Cards Maybank Ikhwan MasterCard Alliance You:nique |
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Feb 8 2018, 06:29 PM
Show posts by this member only | IPv6 | Post
#1708
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(joevo2 @ Feb 8 2018, 05:46 PM) PBB Quantum is 2 separate card? not like MB 2 card right. PBB points would it expire? Any other nice CB card to recommend? for online and dining. Was looking at UOB YOLO but turn off by the limited CB cash pool and minimum swipe needed. 2 Seperate card with Seperate CB, the VIP Points earned expires in 3 years. Same like most of other bank CC... * Evergreen Reward Points, Non-expiring reward points Cards RHB Platinum, Visa Infinite, PREMIER VISA INFINITE, Citibank Cards, American Express Credit / Charge Card (theOne with Centurion Pattern)   This post has been edited by fly126: Feb 8 2018, 06:45 PM |
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Feb 8 2018, 06:39 PM
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Junior Member
422 posts Joined: Nov 2007
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QUOTE(fly126 @ Feb 8 2018, 06:29 PM) 2 Seperate card with Seperate CB, the VIP Points earned expires in 3 years. Same like most of other bank CC... thanks for the info  |
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Feb 8 2018, 06:48 PM
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#1710
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(joevo2 @ Feb 8 2018, 05:46 PM) PBB Quantum is 2 separate card? not like MB 2 card right. PBB points would it expire? Any other nice CB card to recommend? for online and dining. Was looking at UOB YOLO but turn off by the limited CB cash pool and minimum swipe needed. QUOTE(fly126 @ Feb 8 2018, 06:29 PM) FYI, Evergreen Reward Points, Non-expiring reward points Cards RHB Platinum, Visa Infinite, PREMIER VISA INFINITE, Citibank Cards, American Express Credit / Charge Card (the One with Centurion Pattern) QUOTE(joevo2 @ Feb 8 2018, 06:39 PM) thanks for the info This post has been edited by fly126: Feb 8 2018, 06:49 PM |
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Feb 8 2018, 10:47 PM
Show posts by this member only | IPv6 | Post
#1711
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Junior Member
76 posts Joined: Sep 2012
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QUOTE(fly126 @ Feb 8 2018, 05:28 PM) Don't Forget the HLB Wise got 160 bucks Annual Fee & HLB Mach need $5 Subscription Fee /Category every 3 months... PBB Quantum looks like a decent card, but given max CB is capped at RM30, wouldnt that make HLB Wise a better card for me (After annual fee deduction, rebate would be around RM75/month.)? Sadly I have no utilities bill to pay because Im staying in a condo right now and the utilities are paid to the management office. I only need to pay for phone bills, petrols and likely dining/groceries (est RM1k+). These 3 categories allow me to max the rebate for Wise @ RM100 (with minimum spending of RM2k). U better get PBB Quantums (Online & Dining, Entertainment & Departmental Stores) btw,You also can Pay your (UTILITIES) billing thru Online to get Cash Back... maybe pair up with other MISC. Cards like, SCB CB Gold, HLB Essential to Maximize your CB Btw, All these also Lifetime Fee Waiver... CIMB Cash Rebate Mastercard (Petrol, Groceries, Utility Billing via Standing Instruction, Overseas spend) Maybank 2 Cards (Everything) Maybank Ikhwan MasterCard (Petrol, Groceries) Alliance You:nique(Everything) I plan to pay everything with one single card to maximize the CB. Once I reach max CB rebate of RM100 (with RM2k spent) for HLB Wise, I figured I could use Mach since there is no minimum spent to earn CB. I dont see myself spending more than RM2.5k each month hence other card options doesnt look appealing to me. Does this sounds like I am able to fully utilized both HLB Wise and Mach? |
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Feb 8 2018, 10:53 PM
Show posts by this member only | IPv6 | Post
#1712
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Junior Member
76 posts Joined: Sep 2012
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QUOTE(#Victor @ Feb 8 2018, 05:10 PM) There is no annual fees waiver for WISE card, which costs RM22 monthly, so the actual cash back u are getting is only RM78 assumed that every month u spend more than RM2000 retail transactions. Meanwhile, Mach only most benefit for dining and movies if u are movieholic. I believe after paying everything, I would be able to spend RM2k. Most likely I would use WISE to pay for dining since it is 10% compare to Mach 5%, but I love watching movies in the cinema during the weekend, and that combining with TGV Loyalty card and 10% CB looks like a steal. |
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Feb 9 2018, 03:50 PM
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Newbie
32 posts Joined: Oct 2013
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1. Annual Income: RM80-90K
2. Free Lifetime Annual Fee: Yes or can be waived 3. Card required for: Very specific purpose ie. Going to make a substantial payment and want the most bang for my buck - the "bang" can consider in Points (airmile redemption or cash coucher redemption) or in Cashback % 4. Existing credit cards (if any): a. Maybank: Visa Platinum and AMEX b. UOB : PRVIMILES and One card. 5. Interested in CC from: No specifications 6. Others: Not interested in BT at the moment. Just looking for a card to maximise my return for the one-off payment. Thanks Peeps! |
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Feb 9 2018, 06:29 PM
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Senior Member
582 posts Joined: May 2007 From: 3°08′N 101°42′E
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1. Annual Income: RM40K - 50K
2. Free Lifetime Annual Fee: Must or Waivable 3. Card required for: Online transactions, e-commerce, e-banking, pay bills online 4. Existing credit cards (if any): Maybank Ikhwan Visa 5. Interested in CC from: PUBLIC BANK & UOB 6. Others: Mostly cash back. Rewards points are nice too This post has been edited by jakuraz: Feb 9 2018, 06:30 PM |
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Feb 9 2018, 09:29 PM
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#1715
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Junior Member
222 posts Joined: Sep 2014
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Guys i need advice on Maybank American Express Platinum card, RM800 anual fees...is it good to use? Anyone got this card? Is it a metallic card?
Previously someone advice me to get FCB signature visa maybank and it's really beautiful. The card was metallic on the outside so nice. |
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Feb 9 2018, 09:48 PM
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Newbie
1 posts Joined: May 2017
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1. Annual Income: RM40K-50K
2. Free Lifetime Annual Fee: Must or Waivable 3. Card required for: Paying Petrol, Movie Ticket, pay bills online 4. Existing credit cards (if any): N/A 5. Interested in CC from:Citibank 6. Others: Cashback Newbie here, Asking for recommendation |
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Feb 10 2018, 12:17 AM
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#1717
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(lapland @ Feb 9 2018, 03:50 PM) 1. Annual Income: RM80-90K American Express Cash Back Gold Credit Card2. Free Lifetime Annual Fee: Yes or can be waived 3. Card required for: Very specific purpose ie. Going to make a substantial payment and want the most bang for my buck - the "bang" can consider in Points (airmile redemption or cash coucher redemption) or in Cashback % 4. Existing credit cards (if any): a. Maybank: Visa Platinum and AMEX b. UOB : PRVIMILES and One card. 5. Interested in CC from: No specifications 6. Others: Not interested in BT at the moment. Just looking for a card to maximise my return for the one-off payment. Thanks Peeps! - 1% Cash Back on local spend. - 1.5% Cash Back on overseas spend. 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 Other General Cards like, SCB CB Gold, HLB Essential, HLB Fortune QUOTE(jakuraz @ Feb 9 2018, 06:29 PM) 1. Annual Income: RM40K - 50K PBB Quantum 2Cards (Online & Dining, Entertainment & Departmental Stores) btw,You also can Pay your (UTILITIES) billing thru Online to get Cash Back. 2. Free Lifetime Annual Fee: Must or Waivable 3. Card required for: Online transactions, e-commerce, e-banking, pay bills online 4. Existing credit cards (if any): Maybank Ikhwan Visa 5. Interested in CC from: PUBLIC BANK & UOB 6. Others: Mostly cash back. Rewards points are nice too QUOTE(Croner @ Feb 9 2018, 09:29 PM) Guys i need advice on Maybank American Express Platinum card, RM800 annual fees...is it good to use? Anyone got this card? Is it a metallic card? NAY, maybe Jz a few ppl here pay the 800 Bucks Annual Fees, get it for shiok sendiri Previously someone advice me to get FCB signature visa maybank and it's really beautiful. The card was metallic on the outside so nice.  This card is Non-expiring reward points Cards with more High Class ended looks which offered hotel dining privileges to cardholder, other than these it's Nothing special on this Particular Card...  QUOTE(ATCmusiclife @ Feb 9 2018, 09:48 PM) 1. Annual Income: RM40K-50K PBB Quantum 2Cards, Maybank FC Barcelona Visa Signature, Maybank 2Cards2. Free Lifetime Annual Fee: Must or Waivable 3. Card required for: Paying Petrol, Movie Ticket, pay bills online 4. Existing credit cards (if any): N/A 5. Interested in CC from:Citibank (most of the Citibank CC got Annual Fee) 6. Others: Cashback Newbie here, Asking for recommendation This post has been edited by fly126: Feb 10 2018, 12:29 AM |
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Feb 10 2018, 12:28 AM
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Newbie
32 posts Joined: Oct 2013
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» Click to show Spoiler - click again to hide... « @fly126 Thanks for the amex info. This is through Maybank yes? |
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Feb 10 2018, 12:32 AM
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#1719
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(lapland @ Feb 10 2018, 12:28 AM) » Click to show Spoiler - click again to hide... « @fly126 Thanks for the amex info. This is through Maybank yes? http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards |
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Feb 10 2018, 02:13 AM
Show posts by this member only | IPv6 | Post
#1720
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Junior Member
222 posts Joined: Sep 2014
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QUOTE(fly126 @ Feb 10 2018, 12:17 AM) American Express Cash Back Gold Credit Card Thanks a lot!- 1% Cash Back on local spend. - 1.5% Cash Back on overseas spend. 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 Other General Cards like, SCB CB Gold, HLB Essential, HLB Fortune PBB Quantum 2Cards (Online & Dining, Entertainment & Departmental Stores) btw,You also can Pay your (UTILITIES) billing thru Online to get Cash Back. NAY, maybe Jz a few ppl here pay the 800 Bucks Annual Fees, get it for shiok sendiri This card is Non-expiring reward points Cards with more High Class ended looks which offered hotel dining privileges to cardholder, other than these it's Nothing special on this Particular Card... PBB Quantum 2Cards, Maybank FC Barcelona Visa Signature, Maybank 2Cards |
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