However, PBB VS can get max CB $38/month only

This post has been edited by fly126: Mar 22 2018, 10:37 AM

Well, at least one of the better cards.

1. Annual Income: RM34K to RM39K

2. Free Lifetime Annual Fee: Not a Must.

3. Card required for: Petrol, Cash Back/Rebate, Online Shopping (If just a card for Credit Score, Online shopping should use debit? or credit)

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

5. Interested in CC from: Maybank (current bank) or any other good CC

6. Others: A card for credit score

Maybank 2Cards, PBB Quantum 2 Cards

Thank you very much. Will go for the MBB card
Btw, issit advisable to use cc for online shopping? 1 month around 1-300 depend

The MBB is gold right? PBB is plat?..Got differences?

Thankss in Advancee

This post has been edited by EarlyBirdy: Mar 23 2018, 12:18 PM

[just need to call the bank and ask for the mcc code]
Hi guys, may I know how you all can get the MCC Merchant Category Code categories as it only for banks. Anyway I can assist the rest?

This post has been edited by Pray hard: Mar 24 2018, 02:30 AM

1. Annual Income (this one including ot / allowance ka??): then if include will be 42k - 48k. If basic only 24k

2. Free Lifetime Annual Fee: A must. Minimum swipe per year is also okay, no problem

3. Card required for: Petrol, Cash Back/Rebate, Free entry to airport lounge if possible. 0% installment plan too if possible

4. Existing credit cards (if any): -

5. Interested in CC from: Maybank (my salary bank) or any other bank that will easily approved my application. Aeon card not bad ?? 🤣

Hi guys,

Just in case you guys are feeling lazy but need answer on the CB credit card, I have did some calculation on the effective CB rate for RHB Visa Signature & StanChart Visa Signature as follows...

RHB Visa Signature

Standard Charted Visa Signature

Maybank 2 Gold Card
5% Weekend Cashback when spend on Maybank2 American Express Card

After getting the above pair, you might also want to apply for...
Maybank Islamic MasterCard Ikhwan Gold Card
5% rebate on petrol and groceries on Friday and Saturday

Hi first time in this group. Also first time considering to take on credit card .

Any sifu here can advise me which credit card is suitable for me ? I plan to use it more on travelling and maybe some groceries . My income is RM10k per month .

Last 2 weeks I applied one (UOB PRVI Miles) but waited 2 weeks in the end got rejected cause document incomplete .. they say I'm working at Sg that's why processing abit takes time and strict . If I am to resubmit the document back again then they need to send to kl and it's another 2 weeks time again . Also I am applying personal loan with credit card at once .

I am going travelling end of April so hopefully any advise is good thank you. Thanks SIFU

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Online Shopping, Groceries

4. Existing credit cards (if any): CIMB Mastercard

5. Interested in CC from: MAYBANK ONLY

6. Others: I usually pay bill via maybank2u, but manually, not auto pay. So one of the reason to have Maybank CC is to make all my billing to auto bill

Maybank 2 card and Maybank FCB

Hi, given your annual income is RM120k and you're looking to use it on travelling/ grocery, you may consider to apply Maybank 2 Cards Premier (M2P).

These card offers the best air miles conversion (thru M2P AMEX Reserve spent) for Malaysia Airlines Enrich or Singapore Airlines KirsFlyer.

Both the local spend/ overseas RM1 spends earn you 5 TreatPoints (TP) and to convert to:-
1,000 KrisFlyer / Enrich Miles = 4,770 TP
4,770 TP / 5x earning rate = RM954 spending
if RM954 spent on AMEX Reserve will earn you 4,770 TP (for 1,000 KrisFlyer / Enrich Miles), basically:-
the conversion rate is 1 KrisFlyer/ Enrich Miles = RM0.954 spending (954 / 1,000)

I have to emphasis the above conversion rate only applies to card spent on M2P AMEX Reserve (for both local/overseas spent), M2P Visa Infinite (Overseas spends only for 5x TP earning rate)

Further, this card also earns you 5 complimentary accesses to Plaza Premium Lounge (principal cardholder only) - promo ends on 31/12/2018. The list of eligible Plaza Premium Lounge access can be checked from this link http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards


Hope the above info helps.

Working in SG but paid in ringgit?

Did you convert your salary? Not all Bank would convert it at today’s enchange rate for some cases.

More on travelling could means many thing as well.

Do you want points? Cheapest exchange rates?

1. Annual Income: RM66k

2. Free Lifetime Annual Fee: Yes please

3. Card required for: Petrol, Online Shopping, Groceries, basically everything im able to use paywave i will use my card

4. Existing credit cards (if any): UOB One, Stand Chart 360

Looking for an upgrade for my existing UOB One

Maybank FC Barcelona Visa Signature, PBB Quantum 2Cards.

1. Annual Income: >100k

2. Free Lifetime Annual Fee: Preferably no

3. Card required for: MOST important, unlimited cashback for foreign currency transactions. Secondary PPL access

4. Existing credit cards (if any): too many, M2C, PBB VS, PBB Quantum, UOB 1, barcelona, etc

5. Interested in CC from: no preference

6. Others: signing up can get free gifts e.g. travel luggage. this card will be mainly used for my company travels

Citi Business Platinum Card
* Unlimited 1.2% CASH BACK on overseas spend
* Unlimited 0.5% CASH BACK on local spend (excluding petrol and government charges)

Online Apply Link:
i) https://www.citibank.com.my/accope/index.ht...CCI9YENSGRRCAAN

ii) https://www.citibank.com.my/english/docs/fo...CCIBFENSGRRCAAN

This post has been edited by fly126: Mar 29 2018, 02:59 PM

the application cannot proceed after i key in my details as an existing customer, i am suspecting the above statement

have you tried on both links I give...?