Any cashback credit card that gives high % returns for general retails purchases?

Currently using Maybank 2 cards Amex and Standard Chartered Cashback credit cards. Thanks.

This post has been edited by Dino168: Jun 7 2018, 09:26 AM

Please adhere to the template format in Post #2.

1. Annual Income: RM150K

2. Free Lifetime Annual Fee: preferred but not must

3. Card required for: Cash Back/Rebate Only

4. Existing credit cards (if any): Maybank 2 Premier Card Amex, Standard Chartered Cashback

5. Interested in CC from: NA

6. Others: for normal retail purchases

This post has been edited by Dino168: Jun 7 2018, 01:52 PM

1. Annual Income: RM24K to RM28K

2. Free Lifetime Annual Fee: Yes or waive with swipes

3. Card required for: Petrol, Utilities, Cash Back/Rebate, General expenses.

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

5. Interested in CC from: Any

6. Others: I'm looking for a CC to build my credit score (too clean >.<), since I have no any other commitments. Got rejected by CIMB cash back, Allianze, and AmBank because 'no other cards or loan before' >.< Any suggestion is much appreciated. Thank you!

This post has been edited by mchuey: Jun 9 2018, 08:20 PM

If you are too clean no point you keep applying try go for pledge fd cc 5k maybank 2 cards.

Hmm who to contact or talk to in order to pledge fd? But then again Maybank 2 cards need 36k annual income, right?

Go to the nearest branch.

M2Cards' minimum annual income is 30k.

Thank you! Will try that! Didn't know can pledge FD for Cc. Wasted a lot of time trying to apply.

But rmb once you lift the money the card is terminate.

Noted. I read somewhere that for Maybankard 2 the pledging amount is 3k FD. Anyone has any experience before?

5k is the minimum if I'm not mistaken.

1. Annual Income: 36k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash Back/Rebate or normal expenses

4. Existing credit cards (if any): None

5. Interested in CC from: Any

6. Others: Got rejected by PB HL UOB and have commitments on PTPTN & car loan. Every month pay ontime for commitments.

Start with your salary crediting bank then only start applying cards from other banks.
Your PTPTN must not have missed payment.

This post has been edited by fruitie: Jun 10 2018, 02:10 PM

My PTPTN never missed payment before when start working
Salary crediting bank was HL and never mention rejected reason

Too bad then. You gotta keep trying. No reason will be provided by banks.
It's good that you check out your CCRIS from BNM, you never know what happens to your CCRIS.

You can try Citibank, heard it's easy to get. Useful cards are Maybank2Cards but MBB does have quite high of rejection, you can try applying these cards too.

Okay. Thank you for suggestion.

Meaning that Just pledge 5k FD Then Can apply CC. Do I need to submit further documents like income tax or salary slip, etc?

No need but once the FD is lifted up, your card will be terminated too. 5k is your CL too.

I happened to walk pass BSN last weekend and spoke to an officer there and told her about how my credit card application got rejected because my credit score is too clean and has got no other commitments, and then also asked her what's the minimum FD pledge to apply for a credit card with BSN. She laughed and said since my salary is above the min requirement there is no need to pledge, and asked me to bring over my payslip and she'll apply for me.

Since my purpose is to build my credit score, I think I'll just give it a last try and see if it works before pledging FD, haha.

Btw I called up Maybank. Ya the min pledge amount is 5k.

This post has been edited by mchuey: Jun 11 2018, 09:43 AM