Recommendation for Credit Cards V4

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

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fly126	Jan 20 2017, 07:44 PM Return to original view \| Post #21
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(ejan_ @ Jan 20 2017, 04:19 PM) if we link CC with paypal, is it consider online payment? if yes, which card offer best rebate? YES... I) CIMB Cash Rebate Mastercard (Free for Life) 5% CB for Online Spend Max CB capped at RM30 /month, but NO CB on Flight Tickets Booking https://forum.lowyat.net/topic/3988506 II) UOB Yolo (Annual Fee: RM95.40) 6% CB for Online Spend, 3% CB on Dining However, Total Monthly Spend: RM0 - RM499 = 0 CB RM500 - RM799 = Max. Cashback Capped at RM 20 RM800 & Above = Max. Cashback Capped at RM 50 https://forum.lowyat.net/topic/4078891 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) + It's a Lifetime Fee Waiver Card with 12x Swipes p.a. https://forum.lowyat.net/topic/3991972 This post has been edited by fly126: Jan 20 2017, 07:53 PM
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fly126	Jan 23 2017, 01:29 AM Return to original view \| Post #22
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(hurtedheart @ Jan 22 2017, 08:58 PM) Does the 12X swipe include balance transfer? I don't think so... https://forum.lowyat.net/index.php?showtopi...post&p=83463007
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fly126	Jan 23 2017, 01:38 AM Return to original view \| Post #23
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(chrisderick88 @ Jan 22 2017, 09:15 PM) 2. Free Lifetime Annual Fee: yes (or call up cancel) 3. Card required for: Cash rebate for ONLINE 4. Existing credit cards : CIMB cash back platinum 5. Interested in CC from: UOB YOLO card Basically I need anohter card for online spending. CIMB cash back platinum offer 5% rebate capped at RM600, which is not enough for me. I do a lot of online retail spending (small amt but stack up a lot). YOLO sounds ok - about 6% rebate with T&C. Is there any other card I've missed that offer online spending rebate? Thanks guys! 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) + It's a Lifetime Fee Waiver Card with 12x Swipes p.a. https://forum.lowyat.net/topic/3991972
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fly126	Jan 23 2017, 02:03 AM Return to original view \| Post #24
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(sokiahlee @ Jan 21 2017, 10:44 AM) Travel card. Citibank won. Cash rebate. Uob & citibank All less than 10% cash back. So sad, even petrol has capping. Bank wants to slaughter your money. Now they open 'water tap' to lure more customers in. Citibank or UOB Cards got Annual Fees + GST punya... I rather get: AmBank VISA Infinite Card /AmBank World MasterCard be my Travel CC, • 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 As for Cash Back CC: PBB Visa Signature -6% CB on Groceries, Dining, Online Spend It's a Lifetime Fee Waiver Card with 12x Swipes p.a. or MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat or CIMB CR Mastercard becos Its Free for Life. Free is the BEST, Anything Free is Good. This post has been edited by fly126: Jan 23 2017, 02:39 AM
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fly126

Feb 3 2017, 09:27 PM

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Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(GymBoi @ Feb 3 2017, 08:33 PM)

Mbb which card ah ? I looked at citibank, the cashback card cap rm20 for petrol only

the shell card look amazing 8% but got min spend haha ... btw why cannot find UBO YOLO at ringgitplus? How to apply UOB YOLO ? Bank ?

MBB Visa Signature - 5% Cashback for all petrol & grocery (domestic only) for all days capped at RM88 per month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Ask them Convert/ Add on Your UOB One Card to UOB Yolo
UOB Yolo (Annual Fee: RM95.40)
6% CB for Online Spend, 3% CB on Dining
However, Total Monthly Spend:
RM0 - RM499 = 0 CB
RM500 - RM799 = Max. Cashback Capped at RM 20
RM800 & Above = Max. Cashback Capped at RM 50
https://forum.lowyat.net/topic/4078891

Citibank-Shell Card

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This post has been edited by fly126: Feb 3 2017, 09:40 PM

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fly126	Feb 6 2017, 11:25 AM Return to original view \| Post #26
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. 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. This post has been edited by fly126: Feb 6 2017, 12:20 PM
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fly126	Feb 6 2017, 12:35 PM Return to original view \| Post #27
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(lancer193 @ Feb 6 2017, 12:19 PM) 1. Annual Income: RM36K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, Digi/Celcom bill cash back, Dining and maybe GSC/TGV promo? 4. Existing credit cards (if any): Nil. 5. Interested in CC from: Nil. 6. Others: Recently employed fresh grad, wanted to build up my credit score for house loan. Pls Refer to the post above for your CC Recommendation... CIMB CR MasterCard (Billing, Online, Groceries, Petrol) MBB Ikhwan MasterCard (Petrol, Groceries) HLB Mach ( Dining, Movie) https://forum.lowyat.net/topic/2421215 This post has been edited by fly126: Feb 6 2017, 12:37 PM
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fly126

Feb 9 2017, 03:28 PM

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Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(pedoman @ Feb 9 2017, 01:16 PM)

1. Annual Income: 50-60k

2. Free Lifetime Annual Fee: Yes (cards that can be waived if hit certain criteria also can)

3. Card required for: Online (which didn't cover under CIMB CR), groceries, petrol (that can compliment MBB Ikhwan Mastercard since I sometimes forgot to fill up on Friday or Sat), Insurance (if can)

4. Existing credit cards (if any):
i) MBB 2 card
ii) MBB Ikhwan Mastercard
iii) CIMB CR

5. Interested in CC from : Any bank

QUOTE(imnotabot @ Feb 9 2017, 02:11 PM)

1. Annual Income: 50-60k

2. Free Lifetime Annual Fee: Yes/Automatic waiver under certain requirements (e.g. 12x swipes a year)

3. Card required for:
- Insurance: ~RM450 monthly
- Car Insurance (not sure if you can pay this with credit card though): ~RM1,300 annually
- Department Store (e.g. Parkson, AEON): occasionally
- Unifi: ~RM350 monthly (paying for both mine and parent's bill)
- Other spendings (e.g. dining, medical, car service): occasionally

4. Existing credit cards (I want to keep these cards, except for AEON):
- MBB Ikhwan Mastercard (for groceries and petrol)
- MBB Ikhwan Petronas Visa (for petrol and TouchnGo)
- CIMB CR (for occasional non-weekend petrol and groceries, online spending, mobile and utility bills, and retail spendings)
- AEON BiG Visa Gold (for Sunday petrol, 6x PPL access, and previously for posonilne

)

5. Interested in CC from: Any bank

6. Others: My current monthly spending on credit card is around 2.5k only, and it's currently spread across a few credit cards. I only use CC to pay for the things I need. Because of this, most tiered cashback CC are useless for me, since I cannot reach their spending requirement.

How about get a General Usage atau Dan Lain-lain CC as Spare Card, since You both got MBB Ikhwan & CIMB CR, already...

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

This post has been edited by fly126: Feb 9 2017, 03:57 PM

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fly126	Feb 9 2017, 08:22 PM Return to original view \| Post #29
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(pedoman @ Feb 9 2017, 04:15 PM) Thanks for the feedback, from 5 cards, Essential or You:nique are interesting, maybe leaning more towards You:nique QUOTE(imnotabot @ Feb 9 2017, 07:37 PM) Thanks, Alliance You:nique seems like the best for my needs. Yeah & pls take Noted... 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).
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fly126	Feb 10 2017, 11:43 AM Return to original view \| Post #30
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(pedoman @ Feb 10 2017, 11:17 AM) So it means that if I spend 1500 it will be like this: 1000 x 0.5% + 500 x 1.5% = 5 + 7.5 = 12.5 ? Ya, It should be...
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fly126

Feb 15 2017, 09:41 AM

Return to original view | Post #31

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

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fly126	Feb 16 2017, 09:21 PM Return to original view \| Post #32
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).
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fly126	Feb 17 2017, 12:39 PM Return to original view \| Post #33
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
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fly126	Feb 17 2017, 08:14 PM Return to original view \| Post #34
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
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fly126	Feb 20 2017, 05:28 PM Return to original view \| Post #35
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
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fly126	Feb 22 2017, 08:53 AM Return to original view \| Post #36
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Dividend Magic @ Feb 22 2017, 08:22 AM) 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! Ya, PBB VS, CIMB CR MasterCard for both for Online & if U Can't get PBB VS, then HLB Mach is Good for Dining + MBB Ikhwan MasterCard for Petrol, Groceries. This post has been edited by fly126: Feb 22 2017, 09:53 AM
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fly126	Feb 25 2017, 02:23 PM Return to original view \| Post #37
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(theWeird_Weird @ Feb 25 2017, 12:27 PM) 1. Annual Income: RM30K to RM36K 2. Free Lifetime Annual Fee: Preferrably 3. Card required for:Petrol, Cash Back/Rebate Only, Groceries & Bills, Shopping 4. Existing credit cards (if any): Supp HLB platinum card count? 5. Interested in CC from: Currently looking at Citibank Clear Visa, HLB Mach Visa, HL Wise Gold 6. Others: Please be specific. Example: Prefer a card that can have cashback & useful points that can claim stuff I) CIMB CR MasterCard or II) MBB Ikhwan MasterCard or III) UOB One Card or 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
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fly126	Feb 28 2017, 02:28 PM Return to original view \| Post #38
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(wenzhenzhen @ Feb 28 2017, 08:45 AM) 1. Annual Income: RM36K to RM42K 2. Free Lifetime Annual Fee: Preferrably 3. Card required for: Bills, Shopping, overseas transactions 4. Existing credit cards (if any): No 5. Interested in CC from: Currently looking at SC platinum, HSBC platinum. Others also acceptable if the branch location is not far from house 6. Others: I am planning to have credit card as backup when I make overseas transactions. QUOTE(jishu @ Feb 28 2017, 10:44 AM) 1. Annual Income: RM30K to RM36K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Cashback or Rebate / One-Time Purchase 4. Existing credit cards (if any): Nil 5. Interested in CC from: Any Bank 6. Others: I planned to have credit card to strengthen my credit history which is 0 by now (No hutang). What my plan now is that I take credit card, for example 5k limit, and then use it for One-Time Purchase for something worth 4k and above (I planned on buying PC, or smartphone or other gadgets) and then monthly, i pay the amount needed consistently and then after done, i would terminate the card MBB 2Cards QUOTE(cckthechun @ Feb 28 2017, 11:23 AM) 1. Annual Income: 60-80k 2. Free Lifetime Annual Fee: Preferrably 3. Card required for: Food, Shopping 4. Existing credit cards (if any): Yes 5. Interested in CC from: Citibank maybe 6. Others: Prefer card that have good cashback/reward point and free lounge access with minimum to none requirement i) HLB Mach - 5% CB on Dining ii) Aeon Gold or Aeon BIG Credit card, entitled to 6x free entry to the KLIA Plaza Premium Lounge (PPL) (“privilege”) in every calendar year.
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fly126	Feb 28 2017, 04:06 PM Return to original view \| Post #39
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(fairylord @ Feb 28 2017, 03:33 PM) Appreciate if any sifu could recommend card(s) best for saving/rebate with below commitments:- A) TNB Bills RM 1500 amonth RM 250 amonth RM 300 amonth B) Water RM 300 twice amonth RM 50 twice amonth C) Astro RM 120 amonth D) Petrol RM 500 amonth Thanks. HLB Wise or SCB Just One Plat.
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