Recommendation for Credit Cards V4

Lowyat.NET Rules and Regulations FAQ Help Search Members

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

views

iconic123	Feb 15 2017, 08:44 AM Show posts by this member only \| Post #201
Getting Started Junior Member 52 posts Joined: Sep 2012	1. Annual Income: >RM100K 2. Free Lifetime Annual Fee: No 3. Card required for: Cash Back/Rebate for retail transactions 4. Existing credit cards (if any): maybank ikhwan, pbb visa signature 5. Interested in CC from: NA 6. Others: I am moving to a new house this year and will be purchasing furnitures and fittings eg doors, paint, beds, mattresses, small household items from parkson etc hence looking for a credit card or cards to maximize my cash back.
Card PM	Report Top Like Quote Reply

fly126

Feb 15 2017, 09:41 AM

Show posts by this member only | Post #202

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(iconic123 @ Feb 15 2017, 08:44 AM)

1. Annual Income: >RM100K

2. Free Lifetime Annual Fee: No

3. Card required for: Cash Back/Rebate for retail transactions

4. Existing credit cards (if any): maybank ikhwan, pbb visa signature

5. Interested in CC from: NA

6. Others: I am moving to a new house this year and will be purchasing furnitures and fittings eg doors, paint, beds, mattresses, small household items from parkson etc hence looking for a credit card or cards to maximize my cash back.

General Usage CC:
I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

III) 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

IV) OCBC 365 Mastercard: 1% CB on 1st RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending http://www.alliancebank.com.my/younique

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

HOW Alliance You:nique Cashback tier Works - RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap).

This post has been edited by fly126: May 22 2017, 09:15 PM

Card PM

Report Top

Like

Quote Reply

iconic123

Feb 15 2017, 01:20 PM

Show posts by this member only | Post #203

Getting Started

Junior Member
52 posts

Joined: Sep 2012

QUOTE(fly126 @ Feb 15 2017, 09:41 AM)

General Usage CC:
I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

III) 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

IV) OCBC 365 Mastercard: 1% CB on 1st RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending http://www.alliancebank.com.my/younique

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

thanks for the info

i have just applied for younique thru ringgitplus

Card PM

Report Top

Like

Quote Reply

fly126	Feb 16 2017, 09:21 PM Show posts by this member only \| Post #204
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(iconic123 @ Feb 15 2017, 01:20 PM) thanks for the info i have just applied for younique thru ringgitplus Just a Reminder... HOW Alliance You:nique Cashback tier Works - RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap).
Card PM	Report Top Like Quote Reply

iconic123	Feb 16 2017, 09:55 PM Show posts by this member only \| Post #205
Getting Started Junior Member 52 posts Joined: Sep 2012	QUOTE(fly126 @ Feb 16 2017, 09:21 PM) Just a Reminder... HOW Alliance You:nique Cashback tier Works - RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap). thanks
Card PM	Report Top Like Quote Reply

harizdesu	Feb 17 2017, 11:02 AM Show posts by this member only \| Post #206
vvs my stars Senior Member 1,262 posts Joined: Oct 2009	1. Annual Income: 35k 2. Free Lifetime Annual Fee: Yes 3. Card required for: Cashback for groceries, utilities, petrol 4. Existing credit cards (if any): CIMB petronas (if u can recommend a card with better cash rebate for petrol, i might cancel this card.. please advise) 5. Interest in CC from: Any bank (i dont prefer MBB ikhwan because it only offers cashback on Friday and Saturday only.. i fill up my vehicle almost everyday ) thanks! This post has been edited by harizdesu: Feb 17 2017, 11:03 AM
Card PM	Report Top Like Quote Reply

fruitie	Feb 17 2017, 11:53 AM Show posts by this member only \| Post #207
Rise and Shine Staff 72,795 posts Joined: Sep 2005 From: KUL	QUOTE(harizdesu @ Feb 17 2017, 11:02 AM) 1. Annual Income: 35k 2. Free Lifetime Annual Fee: Yes 3. Card required for: Cashback for groceries, utilities, petrol 4. Existing credit cards (if any): CIMB petronas (if u can recommend a card with better cash rebate for petrol, i might cancel this card.. please advise) 5. Interest in CC from: Any bank (i dont prefer MBB ikhwan because it only offers cashback on Friday and Saturday only.. i fill up my vehicle almost everyday ) thanks! Honestly, no better choice than Maybank Ikhwan MasterCard (Fridays and Saturdays) and Ikhwan Visa Petronas (Saturdays and Sundays). Free AF. 5% cash back for MasterCard and 8% for Visa Petronas. Else, you can apply CIMB Cash Rebate which only gives 2% for petrol and groceries. Utilities, I can think of YOLO but you wanted free AF, it is only free for first year.
Card PM	Report Top Like Quote Reply

fly126	Feb 17 2017, 12:39 PM Show posts by this member only \| Post #208
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(raymondtong94 @ Feb 6 2017, 10:11 AM) Annual Income: RM30K to RM36K Free Lifetime Annual Fee: Prefer can be waived. Card required for: Mainly refueling use only, very less groceries and purchases Existing credit cards (if any): Never had CC Interested in CC from: UOB. Other banks are welcomed as well to see if it fits my needs. QUOTE(fly126 @ Feb 6 2017, 11:25 AM) i) 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 RM30.00/ 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 ii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. QUOTE(raymondtong94 @ Feb 17 2017, 09:30 AM) i have been working in the same company for more than 2 years. well, based on the links that you shared, it seems like they practiced like this. so, i am going for other banks 1st before coming back for citibank. Ya, Try to get a Basic CC from the bank of your salary credit into... becos of they got your salary transaction info& maybe not too Stingy to approve their Credit Card to you. You can own a basic credit card to Build up your Credit History 1st, the Card like CIMB CR or MBB Ikhwan MC quite a decent Card for a NewB like U becos of it's Free for Life no worry with Annual fee. Other cards u can consider HLB Essential, HLB Mach AF waiver with 12x swipes p.a only. After that, your may get 2nd CC & it can be something that offers extra benefits based on your lifestyle and spending habits like, UOB One or Citibank CB Card. This post has been edited by fly126: Feb 17 2017, 12:55 PM
Card PM	Report Top Like Quote Reply

harizdesu	Feb 17 2017, 03:42 PM Show posts by this member only \| Post #209
vvs my stars Senior Member 1,262 posts Joined: Oct 2009	QUOTE(fruitie @ Feb 17 2017, 11:53 AM) Honestly, no better choice than Maybank Ikhwan MasterCard (Fridays and Saturdays) and Ikhwan Visa Petronas (Saturdays and Sundays). Free AF. 5% cash back for MasterCard and 8% for Visa Petronas. Else, you can apply CIMB Cash Rebate which only gives 2% for petrol and groceries. Utilities, I can think of YOLO but you wanted free AF, it is only free for first year. okay, let say, i'm okay to have the af.. could u recommend a card with cheap af? i'm thinking of UOB One, it has many cashback on many categories.. This post has been edited by harizdesu: Feb 17 2017, 03:42 PM
Card PM	Report Top Like Quote Reply

raymondtong94	Feb 17 2017, 05:20 PM Show posts by this member only \| Post #210
Choco-chan daisuki! Senior Member 11,096 posts Joined: Feb 2011 From: Your kokoro	QUOTE(fly126 @ Feb 17 2017, 12:39 PM) Ya, Try to get a Basic CC from the bank of your salary credit into... becos of they got your salary transaction info& maybe not too Stingy to approve their Credit Card to you. You can own a basic credit card to Build up your Credit History 1st, the Card like CIMB CR or MBB Ikhwan MC quite a decent Card for a NewB like U becos of it's Free for Life no worry with Annual fee. Other cards u can consider HLB Essential, HLB Mach AF waiver with 12x swipes p.a only. After that, your may get 2nd CC & it can be something that offers extra benefits based on your lifestyle and spending habits like, UOB One or Citibank CB Card. Yeah, thank you for the advises. Will build up my credit first.
Card PM	Report Top Like Quote Reply

fly126	Feb 17 2017, 08:14 PM Show posts by this member only \| Post #211
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(harizdesu @ Feb 17 2017, 03:42 PM) okay, let say, i'm okay to have the af.. could u recommend a card with cheap af? i'm thinking of UOB One, it has many cashback on many categories.. UOB One Card & Citibank Cash-Back Card » Click to show Spoiler - click again to hide... « UOB One Card - Annual Fee: RM72.08 (One Card) RM178.08 (One Platinum Card) * Cash Rebate for petrol (Weekdays 2% / Weekends 5%) - Capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month * Cash Rebate for all spending on Groceries at AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant, ONLY (Weekdays 1% / Weekends 2%) - Capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month * Cash Rebate for major mobile service providers (Maxis, Digi and Celcom) (Weekdays 1% / Weekends 2%) - Capped at RM300 for UOB ONE Platinum card and RM200 for UOB ONE Classic card per month Cash Rebate for Golden Screen Cinemas (“GSC”) ticket counters for purchase of movie tickets (Weekdays 2% / Weekends 5%) http://www1.uob.com.my/assets/pdf/tnc/OneCard_tnceng.pdf P.s NEW Signup usually will get up to 2 years Annual Fee Waiver Citibank CB / Platinum CC* Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20 Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70 Cash Back: * 5% X for Petrol - Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back - Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi) [Unlimited Monthly Rebates with t&c, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back] * 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin) - Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back - Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping] * 0.2% X Cash Rebate for Others Spending [No Capping] Note: Cash Back Platinum in BLUE Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month. https://www.citibank.com.my/global_docs/pdf/citicashback.pdf
Card PM	Report Top Like Quote Reply

harizdesu	Feb 18 2017, 04:26 PM Show posts by this member only \| Post #212
vvs my stars Senior Member 1,262 posts Joined: Oct 2009	QUOTE(fly126 @ Feb 17 2017, 08:14 PM) UOB One Card & Citibank Cash-Back Card » Click to show Spoiler - click again to hide... « UOB One Card - Annual Fee: RM72.08 (One Card) RM178.08 (One Platinum Card) * Cash Rebate for petrol (Weekdays 2% / Weekends 5%) - Capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month * Cash Rebate for all spending on Groceries at AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant, ONLY (Weekdays 1% / Weekends 2%) - Capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month * Cash Rebate for major mobile service providers (Maxis, Digi and Celcom) (Weekdays 1% / Weekends 2%) - Capped at RM300 for UOB ONE Platinum card and RM200 for UOB ONE Classic card per month Cash Rebate for Golden Screen Cinemas (“GSC”) ticket counters for purchase of movie tickets (Weekdays 2% / Weekends 5%) http://www1.uob.com.my/assets/pdf/tnc/OneCard_tnceng.pdf P.s NEW Signup usually will get up to 2 years Annual Fee Waiver Citibank CB / Platinum CC* Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20 Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70 Cash Back: * 5% X for Petrol - Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back - Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi) [Unlimited Monthly Rebates with t&c, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back] * 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin) - Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back - Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping] * 0.2% X Cash Rebate for Others Spending [No Capping] Note: Cash Back Platinum in BLUE Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month. https://www.citibank.com.my/global_docs/pdf/citicashback.pdf Those 2 cards are really great, suit my usual monthly spending.. Maybe i would go with UOB since the af is cheaper than Citibank.. Thanks!
Card PM	Report Top Like Quote Reply

l4nc3k	Feb 19 2017, 04:15 PM Show posts by this member only \| Post #213
Nerd Senior Member 968 posts Joined: Aug 2012 From: Subang Jaya	1. Annual Income: RM57000 2. Free Lifetime Annual Fee: Yes, or conditions like swipe 12 times a year also can. 3. Card required for: Cash Back/Rebate for mainly online, food, groceries. transactions. petrol is covered by mbb ikhwan card-i. 4. Existing credit cards (if any): maybank ikhwan card-i, cimb cash rebate platinum mastercard. 5. Interested in CC from: NA 6. Others: Just looking to maximize savings / cashback. tq!
Card PM	Report Top Like Quote Reply

wyh	Feb 19 2017, 05:33 PM Show posts by this member only \| IPv6 \| Post #214
Regular Senior Member 1,447 posts Joined: Jan 2008	1. Annual Income: 36K++ 2. Free Lifetime Annual Fee: Yes (But can waive thru CS also no problem) 3. Card required for: Petrol, Online transaction (foreign currency), a bit of Dining ... Need a card to backup UOB cards for online and petrol but rejected by CIMB twice... duno what happen zzzz 4. Existing credit cards (if any): i) UOB One - solely for petrol ii) UOB Yolo - need to hit 800> for 6% else above 500> 3% 5. Interest in CC from: Any This post has been edited by wyh: Feb 19 2017, 05:35 PM
Card PM	Report Top Like Quote Reply

fruitie	Feb 19 2017, 06:41 PM Show posts by this member only \| Post #215
Rise and Shine Staff 72,795 posts Joined: Sep 2005 From: KUL	QUOTE(wyh @ Feb 19 2017, 05:33 PM) 1. Annual Income: 36K++ 2. Free Lifetime Annual Fee: Yes (But can waive thru CS also no problem) 3. Card required for: Petrol, Online transaction (foreign currency), a bit of Dining ... Need a card to backup UOB cards for online and petrol but rejected by CIMB twice... duno what happen zzzz 4. Existing credit cards (if any): i) UOB One - solely for petrol ii) UOB Yolo - need to hit 800> for 6% else above 500> 3% 5. Interest in CC from: Any Maybank Ikhwan cards for petrol. HLB MACH for dining. No choice but keep trying for CIMB CR for online.
Card PM	Report Top Like Quote Reply

wyh	Feb 19 2017, 09:41 PM Show posts by this member only \| IPv6 \| Post #216
Regular Senior Member 1,447 posts Joined: Jan 2008	QUOTE(fruitie @ Feb 19 2017, 06:41 PM) Maybank Ikhwan cards for petrol. HLB MACH for dining. No choice but keep trying for CIMB CR for online. Yupp thank fruitie. Yahhh CIMB CR having problem with me all the while.... apply macam mana pun fail punya.
Card PM	Report Top Like Quote Reply

fruitie	Feb 19 2017, 10:40 PM Show posts by this member only \| Post #217
Rise and Shine Staff 72,795 posts Joined: Sep 2005 From: KUL	QUOTE(wyh @ Feb 19 2017, 09:41 PM) Yupp thank fruitie. Yahhh CIMB CR having problem with me all the while.... apply macam mana pun fail punya. Or you can apply a general card like SCB Cash Back but it comes with AF. Not sure how easy that is waived but my sister got hers auto-waived every year though she hardly spends on this card. This is a risk though for AF cards.
Card PM	Report Top Like Quote Reply

Another_Account	Feb 20 2017, 02:49 PM Show posts by this member only \| Post #218
New Member Newbie 2 posts Joined: Feb 2017	1. Annual Income: 24-28k 2. Free Lifetime Annual Fee: Yes (but willing to consider) 3. Card required for: Cash Back/Rebate/Rewards for groceries, shopping, dining, Uber 4. Existing credit cards (if any): None 5. Interested in CC from: Either CIMB or Maybank, but willing to choose others 6. Others: I am looking for a CC that I can maximise my rewards/cashback (either is OK). However, I don't really spend a lot every month (less than RM1K). Essentially, my monthly spendings are groceries, dining, Uber, postpaid, TouchNGo, and sometimes entertainment (movies), shopping, and travel/flights. TQ in advance!
Card PM	Report Top Like Quote Reply

fly126	Feb 20 2017, 05:28 PM Show posts by this member only \| Post #219
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Another_Account @ Feb 20 2017, 02:49 PM) 1. Annual Income: 24-28k 2. Free Lifetime Annual Fee: Yes (but willing to consider) 3. Card required for: Cash Back/Rebate/Rewards for groceries, shopping, dining, Uber 4. Existing credit cards (if any): None 5. Interested in CC from: Either CIMB or Maybank, but willing to choose others 6. Others: I am looking for a CC that I can maximise my rewards/cashback (either is OK). However, I don't really spend a lot every month (less than RM1K). Essentially, my monthly spendings are groceries, dining, Uber, postpaid, TouchNGo, and sometimes entertainment (movies), shopping, and travel/flights. TQ in advance! U only can have CIMB CR Mastercard bcos All the Maybank CC will need a Income Requirement min RM30K p.a baru can apply... i) 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 RM30.00/ 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 As for dining & movie you can apply HLB Mach https://forum.lowyat.net/topic/2421215 This post has been edited by fly126: Feb 20 2017, 05:33 PM
Card PM	Report Top Like Quote Reply

Dividend Magic	Feb 22 2017, 08:22 AM Show posts by this member only \| Post #220
Casual Junior Member 376 posts Joined: Feb 2015	1. Annual Income: 50K (Can bump up to 100K if there's a great card) 2. Free Lifetime Annual Fee: Yes 3. Card required for: Cash Back for petrol, dining and online transactions are important 4. Existing credit cards (if any): Hong Leong Wise 5. Interested in CC from: Any banks 6. Others: Going for the PB Visa Signature, maybe sifus here have other recommendations. I'm a very frugal person by nature, spending is at most maybe RM12K per annum from credit cards. Most of the transactions are on petrol, dining and online transactions (lazada and steam mostly). So I'm looking for cashbacks in that area. Thank you all!
Card PM	Report Top Like Quote Reply

« Next Oldest · Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards · Next Newest »