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	Feb 22 2017, 08:53 AM Show posts by this member only \| Post #221
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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Another_Account	Feb 22 2017, 11:30 AM Show posts by this member only \| Post #222
New Member Newbie 2 posts Joined: Feb 2017	QUOTE(fly126 @ Feb 20 2017, 05:28 PM) 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 The HLB Mach sounds tempting... just wanted to clarify if I would need a minimum spending in order to be eligible for its CB? I read some things earlier and they said I need to have a minimum spending? TQ
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fruitie	Feb 22 2017, 11:36 AM Show posts by this member only \| Post #223
Rise and Shine Staff 72,797 posts Joined: Sep 2005 From: KUL	QUOTE(Another_Account @ Feb 22 2017, 11:30 AM) The HLB Mach sounds tempting... just wanted to clarify if I would need a minimum spending in order to be eligible for its CB? I read some things earlier and they said I need to have a minimum spending? TQ Nope. You must have read it wrongly. No minimum spending for HLB MACH.
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pandera999	Feb 22 2017, 03:38 PM Show posts by this member only \| Post #224
모든 것에는 정해진 때가 있으니 Senior Member 6,214 posts Joined: Sep 2010 From: Busan, Kr \| Kuching, Swk	asking behalf of friend 1. Annual Income: RM24K to RM30K 2. Free Lifetime Annual Fee: Yes. Free if possible 3. Card required for: List all your needs : Phone Installment (saw many installment prefer mbb) / Petrol / Education / Cash Back/Rebate / 4. Existing credit cards (if any): none 5. Interested in CC from: No idea. Saw Maybank 2 Gold Cards.. I dont know what is good for him.
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Dividend Magic	Feb 22 2017, 04:02 PM Show posts by this member only \| Post #225
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(fly126 @ Feb 22 2017, 08:53 AM) 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. Thank you! Just had look at MBB Ikhwan.. The Friday and Saturday only cashback is a little weird.. Gona go ahead with the PBB VS first and see how it goes.
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cybpsych	Feb 22 2017, 04:57 PM Show posts by this member only \| Post #226
--------------------- All Stars 65,274 posts Joined: Jan 2003	QUOTE(Dividend Magic @ Feb 22 2017, 04:02 PM) Thank you! Just had look at MBB Ikhwan.. The Friday and Saturday only cashback is a little weird.. Gona go ahead with the PBB VS first and see how it goes. get PBB VS first, if you can bump the annual income to RM100K PBB VS 6% cashback for Grocery/Dining/Online. capped RM50 cb per statement month (~RM833 spending). if need more cb, apply supp card with separate statement. max RM50 cb will be separate for each card. no min spending for cashback. AF waived with 12 swipes per anniversary year. MBB Mastercard Ikhwan 5% for Grocery/Petrol during Fri/Sat only. this is not weird because of certain states' "weekend" or get MBB Visa Ikhwan Petronas 8% cashback for Petronas during weekend only. capped RM50 cb per calendar month (RM625 spending). get this if you have no loyalty to petrol brand and able to wait to pump during weekend Sat/Sun. if cannot wait, can purchase Petronas Gift Card and reload at Petronas @ Sungai Besi-Puchong Bypass station. use the Gift Card on any days but troublesome to go to this station to reload during weekend, especially you're not near this area.
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Dividend Magic	Feb 23 2017, 07:39 PM Show posts by this member only \| Post #227
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(cybpsych @ Feb 22 2017, 04:57 PM) get PBB VS first, if you can bump the annual income to RM100K PBB VS 6% cashback for Grocery/Dining/Online. capped RM50 cb per statement month (~RM833 spending). if need more cb, apply supp card with separate statement. max RM50 cb will be separate for each card. no min spending for cashback. AF waived with 12 swipes per anniversary year. MBB Mastercard Ikhwan 5% for Grocery/Petrol during Fri/Sat only. this is not weird because of certain states' "weekend" or get MBB Visa Ikhwan Petronas 8% cashback for Petronas during weekend only. capped RM50 cb per calendar month (RM625 spending). get this if you have no loyalty to petrol brand and able to wait to pump during weekend Sat/Sun. if cannot wait, can purchase Petronas Gift Card and reload at Petronas @ Sungai Besi-Puchong Bypass station. use the Gift Card on any days but troublesome to go to this station to reload during weekend, especially you're not near this area. Ah makes sense now regarding the fri and sat thing. Damn there are so many ways to utilise the cashback. Thanks for the tips. Will follow the PB VS thread more closely
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tky1993	Feb 25 2017, 09:37 AM Show posts by this member only \| Post #228
On my way Junior Member 544 posts Joined: Mar 2013	How many supps can Pb visa signature have? What abt the annual fees for supps, do I need to swipe 12 times on each card for waiver? This post has been edited by tky1993: Feb 25 2017, 09:39 AM
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cybpsych	Feb 25 2017, 10:02 AM Show posts by this member only \| Post #229
--------------------- All Stars 65,274 posts Joined: Jan 2003	QUOTE(drbone @ Dec 6 2016, 06:38 PM) Confirmed 2 things today. PB card services representative called me to verify my questions. Supplementary card details cannot be synced to primary card owner's e-banking account. Also, 9 supplementary cards is the maximum per primary card. Cheers. QUOTE(tky1993 @ Feb 25 2017, 09:37 AM) How many supps can Pb visa signature have? What abt the annual fees for supps, do I need to swipe 12 times on each card for waiver? quoted from PBB VS thread. to waive AF, swipe 12x for each card
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theWeird_Weird	Feb 25 2017, 12:27 PM Show posts by this member only \| Post #230
Regular Senior Member 1,063 posts Joined: Feb 2009 From: KL	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
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fly126	Feb 25 2017, 02:23 PM Show posts by this member only \| Post #231
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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theWeird_Weird	Feb 26 2017, 01:15 PM Show posts by this member only \| Post #232
Regular Senior Member 1,063 posts Joined: Feb 2009 From: KL	QUOTE(fly126 @ Feb 25 2017, 02:23 PM) 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 thanks. will check them out
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wenzhenzhen	Feb 28 2017, 08:45 AM Show posts by this member only \| Post #233
Getting Started Junior Member 112 posts Joined: Oct 2009	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. This post has been edited by wenzhenzhen: Feb 28 2017, 01:15 PM
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jishu	Feb 28 2017, 10:44 AM Show posts by this member only \| IPv6 \| Post #234
Getting Started Junior Member 289 posts Joined: Apr 2016	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 This post has been edited by jishu: Feb 28 2017, 10:45 AM
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virgoguy	Feb 28 2017, 11:19 AM Show posts by this member only \| Post #235
On my way Junior Member 616 posts Joined: Oct 2008	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 are you referring to those card with ezpay or you plan to pay the minimal each month?
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cckthechun	Feb 28 2017, 11:23 AM Show posts by this member only \| Post #236
Casual Junior Member 386 posts Joined: Feb 2009	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
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jishu	Feb 28 2017, 11:47 AM Show posts by this member only \| IPv6 \| Post #237
Getting Started Junior Member 289 posts Joined: Apr 2016	QUOTE(virgoguy @ Feb 28 2017, 11:19 AM) are you referring to those card with ezpay or you plan to pay the minimal each month? I'm planning for kinda like EZpay, not for minimal pay each month
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fly126	Feb 28 2017, 02:28 PM Show posts by this member only \| Post #238
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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fairylord	Feb 28 2017, 03:33 PM Show posts by this member only \| Post #239
tag [@fairylord] Senior Member 2,012 posts Joined: Dec 2007 From: Fairytale	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.
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fly126	Feb 28 2017, 04:06 PM Show posts by this member only \| Post #240
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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