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

fly126	Aug 4 2017, 01:26 AM Return to original view \| Post #201
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(mwkh_hope @ Aug 3 2017, 11:38 PM) 1. Annual Income: RM60K 2. Free Lifetime Annual Fee: better to be free 3. Card required for: Air Ticket, Traveling, Purchasing, Petrol Rebate, Airport Lounge 4. Existing credit cards (if any): N/A (Rejected by PBB, Citibank) 5. Interested in CC from: petrol/shopping benefits/cah rebate Please advice for better card solution for my case. 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 » Click to show Spoiler - click again to hide... « It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period * The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement. * 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. * Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay. * NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies. Uses the Treats Point on 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 http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards MBB Ikhwan Mastercard: 5% Cash-Back on Petrol & Groceries, every Fri/Sat, CB capped at RM50/month. SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. An EZ Fee Waiver with jz a Call to CS https://www.sc.com/my/credit-cards/goldcard/gold-card.html AEON Visa Gold / Aeon BIG Gold Credit Card: 6x Free access to KLIA Plaza Premium Lounge. https://forum.lowyat.net/topic/3929192
Card PM	Report Top Like Quote Reply

fly126	Aug 4 2017, 08:07 PM Return to original view \| Post #202
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Ramjade @ Aug 4 2017, 02:45 PM) 1. Annual Income: ~RM45k 2. Free Lifetime Annual Fee: Free 3. Card required for: Groceries on weekdays 5% cash back no need min spend (any amount to entitle to cashback (something along the line of Amex and ikhwan)) 4. Existing credit cards (if any): Maybank 2 Amex, Maybank Ikhwan 5. Interested in CC from: any banks as long furfilled criteria above Guys and girls, any such card? Asking for family. Thank you. If Don't Mind with the AF then, you can have Citibank Cash Back Card , 2% CB on your Daily Groceries (Giant, AEON Big, Tesco, Cold Storage, Everrise, Servay, Econsave, Mydin) https://www.citibank.com.my/english/credit-...kCreditCardARAI QUOTE(wrdwadf @ Aug 4 2017, 04:08 PM) 1. Annual Income: RM60K or RM100K 2. Free Lifetime Annual Fee: No 3. Card required for: Government Transaction. 4. Existing credit cards (if any): MBB 2 Card Plat, SCB Cash back Gold, SCB Just One Plat, Alliance Younique 5. Interested in CC from: 6. Others: Going to swipe Government Transaction in a large amount in a single receipt. Does there any card that earn POINT in government transaction. Planning before to get HLB Essential, but no cash back for Government Transaction. Thank you. i) Credit Card which can Earn Rewards POINT from Government Transaction: HSBC, SCB. (RM1 = 1pt) ii) Credit Card that Earn Cash-Back on Government Transaction: SCB Cash Back Gold, Alliance You:nique. This post has been edited by fly126: Aug 6 2017, 04:20 PM
Card PM	Report Top Like Quote Reply

fly126	Aug 6 2017, 07:05 AM Return to original view \| Post #203
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(SzeMeng76 @ Aug 6 2017, 12:17 AM) Hi May I ask which Ambank Card provide RM1 =1point for government transaction? I did check their TnC, they said Ambonus point/Bonuslink point not rewarded for charity & government transaction. that's Strange, from the t&c below did not said Government Transaction Not entitled ... https://www.ambank.com.my/ambank/Documents/...nusTnCEngBM.pdf Btw, is Ambank Gold Card II. ACCUMULATION OF AMBONUS POINTS 2. The following transactions will NOT earn AmBonus Points:- Cash advance (including QuickCash) transactions, all transactions at petrol stations,balance transfer, AmFlexi-Pay installment transactions, late payment interest / charges,finance / management fee, disputes, fraud transactions, fees and charges other than retai lpurchase amount debited to Cardmember’s account(s) will not be included in the computation of the AmBonus Points accumulated. This post has been edited by fly126: Aug 6 2017, 07:15 AM
Card PM	Report Top Like Quote Reply

fly126	Aug 6 2017, 12:16 PM Return to original view \| Post #204
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(SzeMeng76 @ Aug 6 2017, 10:55 AM) I checked with latest TnC version July 2017. https://www.ambank.com.my/ambank/SiteAssets...AmBankTcEng.pdf Appendix 2 (pg 17) (b) AmBonus Points are applicable to retail spending only. Interest, finance charges, Cash Advance fees, balance transfers, quasi cash, other fees and charges imposed by the Bank and outstanding balances brought forward from the previous month are excluded from AmBonus Point computation. AmBonus Points are not applicable for the following transactions: a) any purchase at petrol stations; b) any payment for charity under the designated Merchant Category Code (MCC) 8398; and c) any government-related payments under the designated MCC below:- 9211, 9222, 9223, 9311, 9399, 9402, 9405 I already Checked the T&C from Generic Normal CC (Gold, Plat, VS, WMC) All Entitled Rewards Point on Government Transaction. I think Only other Co-Brand or BonusLink CC Can't get Rewards Point from Government Transaction. Why not you Call CS to check with Them... https://www.ambank.com.my/ambank/Documents/...nusTnCEngBM.pdf
Card PM	Report Top Like Quote Reply

fly126	Aug 7 2017, 03:06 AM Return to original view \| Post #205
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(dradormien @ Aug 7 2017, 01:40 AM) . Annual Income: 120K (business owner) 2. Free Lifetime Annual Fee: Not necessary 3. Card required for: Any additional benefit, Perk and Privilege. PPL for supp? 4. Existing credit cards (if any): Visa Ikhwan Gold, M2C Plat, MBB Visa Signature, Amex Green Charge Card, recently approved MBB 2 card Premier (all MBB: haih) 5. Interested in CC from: anything. Preferable can offer high CL 6. Others: Really hope for PPL for supp. Additonal priviledge on promo and discount. Most use: Groceries: RM15K monthly, Petrol 2K monthly, Utilities 10K monthly 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 (for Principal + Supplementary Cardholder) • 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 https://www.ambank.com.my/ambank/Documents/...umLoungeTnC.pdf https://www.ambank.com.my/ambank/Documents/...stofAirport.pdf PBB Visa Signature - 6% CB on Groceries, Dining, Online Spend + 3 x Complimentary Access to Plaza Premium Lounge Malaysia. Lifetime Fee Waiver with 12x Swipes p.a. This post has been edited by fly126: Aug 7 2017, 08:37 PM
Card PM	Report Top Like Quote Reply

fly126	Aug 7 2017, 08:23 PM Return to original view \| Post #206
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Ramjade @ Aug 7 2017, 08:16 PM) So there's really nothing for weekdays spending? Ya, I afraid so... Actually got Few of it but Your Salary not meet their min. Requirement or the card do have AF. MBB VS, PBB VS. This post has been edited by fly126: Aug 7 2017, 08:56 PM
Card PM	Report Top Like Quote Reply

fly126	Aug 8 2017, 03:14 AM Return to original view \| Post #207
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(SzeMeng76 @ Aug 7 2017, 10:46 PM) For my case cannot waive after 2 years usage. Why dont consider CIMB Cash Back Plat? 24k annual income, petrol 2% cb everyday. UOB one 1% only for weekday. QUOTE(David83 @ Aug 8 2017, 12:31 AM) To be safe, once AF appears in the statement, don't charge anything to the card anymore. Request for AF waiver, if refused by the bank. Ask CS to cancel the card on the spot of the call. You no need to pay for the AF. For UOB, normally they will put your card in the on-hold pool first. One or two days later, the retention team may call you back to offer AF waiver. The CS and the retention team are two separate team. QUOTE(andykok @ Aug 7 2017, 10:25 PM) shi fu , what do u think getting UOB one card mainly for petrol purpose? i know there is AF, but do u think it is easy to waive the AF ? Like SzeMeng76 suggested you to get CIMB CR Mastercard becos if is Free for Life, NO need every year call CS request for AF waiver, Hassle-less As UOB One got their CB cut reduce benefit recently, their card become Less & less interesting now... I'm Sorry to heard that U have been rejected on MBB Ikhwan, M2C recently, If U Insist or wish to have better CB Return on Petrol, I would suggest Citibank Cash Back Card to You. As AF waiver will subject to their Approval, from time to time. But I can noticed that recently, the Banks they are more Keening to waive the Fee for us jz to retain Us as their Customer compare to last time. Myself, held both UOB, Citibank cards since 2012 also not been charged AF Before, eventually, after they do charge, They waive, revised back for me also Definitely, Both UOB & Citi Card AF will be waived for the 1st Year. However, my UOB cards get me up to 5 Years straight, Fee-less..! I been told currently NEW Signup of Citibank Cards can get up to 3 Years AF waiver :thumbsup: Jz remember try to request AF Waiver when Your card Annual is Near...! https://www.citibank.com.my/global_docs/pdf...isition-TnC.pdf https://www.citibank.com.my/accope/index.ht...MYCCUGLENCTCAAN Jz Recapped on 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 1% / Weekends 5%) & Wed. Special Petrol Rebate: 3% (1/7 - 30/9/2017) - 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 8%) http://www1.uob.com.my/personal/cards/cred...b_one_card.html 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 Btw, Congratz with Your PBB Quantums & may Happy go Shopping to U This post has been edited by fly126: Aug 8 2017, 09:41 AM
Card PM	Report Top Like Quote Reply

fly126	Aug 9 2017, 12:41 AM Return to original view \| Post #208
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(annas473 @ Aug 9 2017, 12:37 AM) Hi, please advise. 1. Annual Income: RM30K to RM36K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, groceries, benefits 4. Existing credit cards (if any): Just now getting RHB Visa Smart Value bundle with housing loan. 5. Interested in CC from: Maybank 6. Others: Need advise on this matter and first time using CC. Need for petrol (Shell) and groceries (Aeon Big/Giant). How to know when the due date of payment to avoid interest? Need more info regarding customer review, hidden term, best promotion like Maybank member card etc. Thanks in advance. Below are my founding from iMoney and Ringgitplus * HSBC Amanah MPower Platinum Credit Card-i Get up to 8% cashback everyday on your petrol and groceries spending! *RHB Smart Value Credit Card* (Currently obtain card, not activate yet. If not activate or swipe, automatically it will cancel right? ) Earn up to 5% cash back for petrol, groceries, online spending and utility bills. 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. Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back » Click to show Spoiler - click again to hide... « It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period * The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement. * 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. * Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay. * NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies. Uses the Treats Point on 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 http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards OR MBB Ikhwan Mastercard: 5% Cash-Back on Petrol & Groceries, every Fri/Sat, CB capped at RM50/month. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards HSBC Amanah Credit Card-i - 8% Cash Back on Petrol and Groceries only for total monthly spend of RM2,000 and above. https://sp.hsbc.com.my/microsites/mplat-int...FINAL_27JAN.pdf RHB Smart Value Credit Card - 5% Cash Back for petrol, groceries, online spending and utility bills only for total monthly spend > RM2,501. https://www.rhbgroup.com/~/media/files/mala...e-tnc-conv.ashx This post has been edited by fly126: Aug 9 2017, 01:05 AM
Card PM	Report Top Like Quote Reply

fly126	Aug 13 2017, 09:44 AM Return to original view \| Post #209
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Daenthylin @ Aug 13 2017, 09:28 AM) Hi all, Is there a credit card that's good to pay back PTPTN loans? Would like to get some cashback on payments if possible. 1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: Yes, but not necessary. 3. Card required for: PTPTN (main reason), grocery shopping(usually Tesco), & online shopping (Lazada) 4. Existing credit cards (if any): UOB Lady's Platinum, Citibank Clear 5. Interested in CC from: Any MBB 2Cards, SCB Cash Back Gold, PBB Quantum 2Cards. Using Maybankard 2 AMEX to Pay for PTPTN - Perbadanan Tabung Pendidikan Tinggi Nasional Login to your Penyata Baki and pay using credit card. Then key in your AmEx card number with the 4 digit CVV at the front of the card, make sure to do it only on weekends to get 5%. MBB Ikhwan Mastercard: 5% Cash-Back on Petrol & Groceries, every Fri/Sat, CB capped at RM50/month. This post has been edited by fly126: Aug 13 2017, 10:23 AM
Card PM	Report Top Like Quote Reply

fly126	Aug 13 2017, 03:59 PM Return to original view \| Post #210
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(xCM @ Aug 13 2017, 02:01 PM) 1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: No preference 3. Card required for: Petrol, Cash Back, AirMiles, Overseas Transactions, Free Lounge Access. 4. Existing credit cards (if any): Hong Leong gold card (for working purposes only) 5. Interested in CC from: No preference. 6. Others: Hi, I am looking at two specific things right now, a card for shell petrol and a card for travelling. Are there any cards to recommend or splitting into two cards is feasible? thank you all experts for your input. 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 » Click to show Spoiler - click again to hide... « It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period * The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement. * 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. * Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay. * NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies. Uses the Treats Point on 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 http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards AEON Visa Gold / Aeon BIG Gold Credit Card: 6x Free access to KLIA Plaza Premium Lounge. https://forum.lowyat.net/topic/3929192
Card PM	Report Top Like Quote Reply

fly126

Aug 13 2017, 05:45 PM

Return to original view | Post #211

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(Mars Teoh @ Aug 13 2017, 05:22 PM)

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: No

3. Card required for: cash back for paying insurance

4. Existing credit cards (if any): mbb 2 card

5. Interested in CC from:

6. Others: Please be specific

any recommendation?

Alliance You:nique (Up to 3% Cashback)

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 Cash back 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).
http://www.alliancebank.com.my/younique

SCB JustOne Platinum MasterCard Credit Card
for Utilities Bill, Insurance via Auto Debit EZ Fee Waiver with jz Call CS request an AF Waiver

» Click to show Spoiler - click again to hide... «

Card PM

Report Top

Like

Quote Reply

fly126	Aug 15 2017, 10:55 AM Return to original view \| Post #212
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(deity01 @ Aug 15 2017, 10:24 AM) 1. Annual Income: RM36K to RM100K 2. Free Lifetime Annual Fee: Yes 3. Card required for: cash back for paying utilities and insurance 4. Existing credit cards (if any): mbb 2 card, ocbc titanium, maybank amex gold cc, mib ikhwan mastercard platinum, mbb petronas visa platinum, citibank reward VS 5. Interested in CC from: any 6. Others: cash back of m2c amex already max out, need to find another cash back card..open to card with good reward points system as well.. do not want to setup auto debit to pay for utilities.. Thanks PBB VS or PBB Quantum 2Cards pay Billing Online to earn CB.
Card PM	Report Top Like Quote Reply

fly126	Aug 15 2017, 06:19 PM Return to original view \| Post #213
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(taranjit @ Aug 15 2017, 04:21 PM) 1. Annual Income: ∞ 2. Free Lifetime Annual Fee: free okay 3. Card required for: buy stuff online 4. Existing credit cards (if any): HSBC Premier World MasterCard 5. Interested in CC from: 6. Others: I want to buy stuff on lazada/11street with installment. which card should i apply? PBB Visa Signature or PBB Quantum 2Cards QUOTE(inShuz @ Aug 15 2017, 04:39 PM) Hope this is the right place to ask: I'm looking a miscellaneous credit card that could use for insurance, car service maintenance, clothings(H&M, Topshop, G2000 etc) and restaurant that doesn't fall under MCC dining. The usage is more than 1K per month and I'm using HL Essential for this purpose. Is there any alternative better card than HL Essential? Thank you for your advise. PBB Quantum 2Cards, SCB Cash Back Gold, HLB Mach QUOTE(mafilee @ Aug 15 2017, 05:00 PM) 1. Annual Income: RM50K 2. Free Lifetime Annual Fee: Must 3. Card required for: List all your needs. Online shopping, Overseas Transactions, Free Lounge Access , travel twice a year, groceries, Travel insurance 4. Existing credit cards (if any): Maybank Ikhwan 5. Interested in CC from: PB, Citibank, Aeon, HLB 6. Others: Getting bored with maybank reward, just trying to find good CC with better benefit. PBB Quantum 2Cards, Aeon or Aeon Big Visa Gold CC
Card PM	Report Top Like Quote Reply

fly126

Aug 18 2017, 12:19 AM

Return to original view | Post #214

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(ericng19 @ Aug 17 2017, 10:52 PM)

1. Annual Income: 38400

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash Back, Rewards points

4. Existing credit cards (if any): Maybank M2C Amex

5. Interested in CC from: Any banks except cimb

6. Others: Cash back with no minimum spent required or rewards points with fast to redeem like maybank amex 5x points.

Thanjk you!

Alliance You:nique - Up to 3% Cashback, Lifetime fee Waiver with 12X Swipes p.a

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 Cash back 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).
http://www.alliancebank.com.my/younique

Card PM

Report Top

Like

Quote Reply

fly126	Aug 18 2017, 11:40 AM Return to original view \| Post #215
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(stevie @ Aug 18 2017, 11:15 AM) 1. Annual Income: 2. Free Lifetime Annual Fee: A Must 3. Card required for: Cash Back/Rebate Only, Overseas Transactions 4. Existing credit cards (if any): MBB 2 Card, CIMB Cash Rebate 5. Interested in CC from: No preference 6. Others: Will swipe about 8-10k/month overseas, although amex gives 5x points looking for an alternative unlimited cashback option Alliance You:nique, HLB Essential, SCB Cash-Back Gold.
Card PM	Report Top Like Quote Reply

fly126	Aug 20 2017, 11:07 PM Return to original view \| Post #216
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(scFoong @ Apr 29 2017, 12:10 PM) 1. Annual Income: RM100k 2. Free Lifetime Annual Fee: Yes 3. Card required for: i. Petrol ii On any transaction. Usual big spending on online purchase i.e. Lazada/11Street/Ebay. Local big spending mostly on electronic/bike store. iii. Bill payments (electricity/water utility bill Astro, Maxis phone bill & insurance) 4. Existing credit cards (if any): CIMB Platinum Mastercard 5. Interested in CC from: Any 6. Others: Usual big spending on online purchase i.e. Lazada/11Street/Ebay. Local big spending mostly on electronic/bike store. Appreciate your advise. Thankyou. QUOTE(fly126 @ Apr 29 2017, 11:43 PM) Why not take BOTH on trial 1st, see which will suited You Best... Actually, Most of Us Forumer here Preferred Combo will be (as We also Recommended tis to ppl): MBB2 Cards + PBB Visa Signature (6% Cash Back on Grocery, Dining and Online Transaction, 6% Cash Rebate is capped at RM50 per month per principal account equivalent to RM833.33 spend), its may Ngam You Pun... QUOTE(scFoong @ Aug 20 2017, 08:43 PM) 1. Annual Income: RM100k 2. Free Lifetime Annual Fee: Yes 3. Card required for: i. Online shopping (paypal/Amazon/Lazada/11Street/Ebay...) - Hence, cashback on this category is needed. 4. Existing credit cards (if any): CIMB Platinum Mastercard 5. Interested in CC from: Any Thankyou. Huh.. . I thought You already got PBB Visa Signature or PBB 2 Quantums & Maybank 2Cards...!?
Card PM	Report Top Like Quote Reply

fly126

Aug 20 2017, 11:44 PM

Return to original view | Post #217

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(polarzbearz @ Aug 20 2017, 07:00 PM)

1. Annual Income: xxx

2. Free Lifetime Annual Fee: A Must (or at least waiver with conditions)

3. Card required for: Cashback. Details below.

4. Existing credit cards (if any):
sorted by usage/preferrance

Maybank 2 Platinum Card
Public Bank Visa Signature Card
CIMB Cash Rebate Platinum Card (less preferred because of the cross-border fees, plus various-level-cashback which is confusing to track)
Citibank Clear Card

5. Interested in CC from: VISA/MASTER only - feel free to recommend

6. Others: Please be specific.
Using credit card for Petrol, Life Insurance, Parking Fees, Utilities (Internet, TNB, Prepaid Reload), Online eCommerce/Digital Purchases, Retail Shopping, sometimes Overseas Transaction (high value during business trip - currently using AMEX during these trips @ 1.25% cash back via TP)

Currently I have (I think) enough coverage for Online Spendings. Problem is for the transactions OUTSIDE of online / dining category (i.e. shopping, retail purchases), especially high-value retail/hotel ones, which does not accept AMEX.
On normal months (i.e. no roadtax/insurance renewal, no surprise transactions), MBB AMEX + PBE VISA Signature is enough to cover my needs. However, on spike-months (be it business trip, surprise/unexpected expenses, insurance/tax renewals or vacations), I will over-cap and these two card are not sufficient for my cashback.

I'm thinking to cut down one card and re-apply something else that will 'fill the gap', and the most ideal candidate to be terminated is Citi Clear (since i barely uses it now and they charged me annual fee and refuses to waive it

)

Any recommendations?

QUOTE(kisa @ Aug 20 2017, 08:37 PM)

1. Annual Income: ~75k

2. Free Lifetime Annual Fee: preferably

3. Card required for: shopping, dining

4. Existing credit cards (if any): MBB 2 Cards, CIMB CR Platinum

5. Interested in CC from: Any

6. Others: I tend to max out my cash rebate from MBB monthly. CIMB CR quite useless for physical spending except grocery. Am looking for an alternative CR cash to complement MBB. Thanks!

MISC. Spend - Alliance You:nique, HLB Essential, MBB 2Cards, SCB Cash-Back Gold.

» Click to show Spoiler - click again to hide... «

This post has been edited by fly126: Aug 21 2017, 12:29 AM

Card PM

Report Top

Like

Quote Reply

fly126	Aug 20 2017, 11:47 PM Return to original view \| Post #218
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(scFoong @ Aug 20 2017, 11:36 PM) Nope. I just got cimb cashback. mbb 2 cards rejcted me. Thinking pbb VS now. Try either get PBB Visa Signature or PBB Quantum 2Cards
Card PM	Report Top Like Quote Reply

fly126	Aug 20 2017, 11:54 PM Return to original view \| Post #219
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(scFoong @ Aug 20 2017, 11:48 PM) Thx again Maybe also... 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 This post has been edited by fly126: Aug 20 2017, 11:55 PM
Card PM	Report Top Like Quote Reply

fly126	Aug 21 2017, 11:30 AM Return to original view \| Post #220
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(kisa @ Aug 21 2017, 09:40 AM) Thanks! got any dedicated thread for HL essential here? only saw for HL wise Nope, but if you got any question on HLB Cards can ask from there...
Card PM	Report Top Like Quote Reply

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