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

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Avangelice
post Aug 24 2018, 09:19 AM

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QUOTE(fly126 @ Aug 24 2018, 12:55 AM)
Since, You already got MBB 2Cards (for Weekends) also as Air-miles Collecting  CC, You may ADD Maybank FCB VS (for Weekdays) as your MISC. Card to earn more cash back Then, can Cut off MBB Ikhwan on SST Saving purpose... icon_idea.gif 
* Lifetime Fee Waiver
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
PETROL - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, Maybank FCB VS, UOB One, Citi CB Card, MBB Visa Signature.
*
thank you bro
hihihehe
post Aug 24 2018, 11:10 AM

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got the invitation to choose any PBE cc but not sure if i should get VS or Infinite hmm.gif
i heard infinite is very hard to get and mostly by invitation only?

i am holding m2c,mbb barcelona and aeon gold
adele123
post Aug 24 2018, 11:22 AM

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QUOTE(hihihehe @ Aug 24 2018, 11:10 AM)
got the invitation to choose any PBE cc but not sure if i should get VS or Infinite hmm.gif
i heard infinite is very hard to get and mostly by invitation only?

i am holding m2c,mbb barcelona and aeon gold
*
VS is great. good benefits. I'm not sure about infinite, probably lounge access, etc.

VS will be more practical.
fly126
post Aug 24 2018, 11:28 AM

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edited.... sweat.gif

This post has been edited by fly126: Aug 24 2018, 11:32 AM
hihihehe
post Aug 24 2018, 11:30 AM

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QUOTE(adele123 @ Aug 24 2018, 11:22 AM)
VS is great. good benefits. I'm not sure about infinite, probably lounge access, etc.

VS will be more practical.
*
yes VS looks good with 6% CB for selected categories but too bad capped at rm38 per month. infinite have 3 lounge access while VS only 2

i guess VS can replace my mbb barcelona card for online transaction
w3sley
post Aug 25 2018, 01:59 AM

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QUOTE(fly126 @ Aug 16 2018, 07:17 AM)
Congratulations, what a good start for a 1st timer...
3-5 working days.
*
thank you! I have only received it yesterday though.

Anyway from your previous post, SCB Just One Platinum Master Card seema better with the offer of cash back on more varieties with just one card compared to MB Ikhwan MC. What's your opinion? Thank you!
fly126
post Aug 25 2018, 06:32 AM

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QUOTE(w3sley @ Aug 25 2018, 01:59 AM)
thank you! I have only received it yesterday though.

Anyway from your previous post, SCB Just One Platinum Master Card seema better with the offer of cash back on more varieties with just one card compared to MB Ikhwan MC. What's your opinion? Thank you!
*
Yeah, SCB Jz One may got better CB option, however You need to spend at least min. RN1000/month to earn Cash-back... sweat.gif
» Click to show Spoiler - click again to hide... «
mojo86
post Aug 25 2018, 10:39 AM

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1. Annual Income: 72k

2. Free Lifetime Annual Fee: Don't mind if it's not very high

3. Card required for: Insurance, online

4. Existing credit cards (if any):
HLB Mach - For dining
M2U Cards - For weekend spending
Quantum Mastercard - For online spending

Hi guys, am looking for cashback cards in there areas:
1. For paying insurance through Pruaccess
2. For online spending cause I'm maxing out my cashback for Quantum Mastercard every month
3. For daily spending other than dining or online
4. Even better if theres a cashback card that I can use to substitute what I have right now..cause I feel like I have too many cards rclxub.gif

Thanks!
fly126
post Aug 25 2018, 11:32 AM

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QUOTE(mojo86 @ Aug 25 2018, 10:39 AM)
1. Annual Income: 72k

2. Free Lifetime Annual Fee: Don't mind if it's not very high

3. Card required for: Insurance, online

4. Existing credit cards (if any):
HLB Mach - For dining
M2U Cards - For weekend spending
Quantum Mastercard - For online spending

Hi guys, am looking for cashback cards in there areas:
1. For paying insurance through Pruaccess
2. For online spending cause I'm maxing out my cashback for Quantum Mastercard every month
3. For daily spending other than dining or online
4. Even better if theres a cashback card that I can use to substitute what I have right now..cause I feel like I have too many cards  rclxub.gif

Thanks!
*
Maybank FCB VS (for Weekdays)
* Lifetime Fee Waiver
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
ratedrko
post Aug 25 2018, 01:02 PM

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QUOTE(Pebbie @ Aug 17 2018, 04:29 PM)
Need some suggestion / insight from you guys.

Current income = 40K
Spending on cc / month = RM1000

Breakdown of credit card and usage

OCBC: insurance of RM450
MBB2C: odd purchases, average of RM100 / month
AEON Big gold: daily usage of RM300
Citibank: no use

With SST coming, need to trim down the credit cards. First to go is definitely Citibank. Now i'm in dilemma of cutting MBB2C or OCBC.

While MBB2C rebate is higher, due to my spending nature, very difficult to use it unless i have big purchases and it happen to accept AMEX during weekend, quite hard to justify keeping it when the SST is RM50.

On the other hand, OCBC's benefit is crap, but the 360 account is giving me saving rate of 1% higher than FD, and i have 10K cash inside that account.

Any suggestion for what card to keep / trash / apply / consolidate?
*
for ocbc 360, the RM500 spending can come from a debit card too. suggest you cancel your credit card and spend using your debit card. you can either topup bigpay or wechat pay with it.
w3sley
post Aug 26 2018, 12:34 AM

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QUOTE(fly126 @ Aug 25 2018, 06:32 AM)
Yeah, SCB Jz One may got better CB option, however You need to spend at least min. RN1000/month to earn Cash-back... sweat.gif
» Click to show Spoiler - click again to hide... «
My mistake. Plus, I missed the cap section. Oops. Thank you so much for pointing it out! notworthy.gif

Jitty
post Aug 26 2018, 08:06 AM

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1. Annual Income: 52k

2. Free Lifetime Annual Fee: yes

3. Card required for: cash back or petrol

4. Existing credit cards (if any): 
Maybank 2 gold

coolguy99
post Aug 26 2018, 08:39 AM

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QUOTE(Jitty @ Aug 26 2018, 08:06 AM)
1. Annual Income: 52k

2. Free Lifetime Annual Fee: yes

3. Card required for: cash back or petrol

4. Existing credit cards (if any): 
Maybank 2 gold
*
PBB Quantum or MBB Ikhwan would serve your purpose.
fly126
post Aug 26 2018, 09:30 AM

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QUOTE(Jitty @ Aug 26 2018, 08:06 AM)
1. Annual Income: 52k

2. Free Lifetime Annual Fee: yes

3. Card required for: cash back or petrol

4. Existing credit cards (if any): 
Maybank 2 gold
*
Maybank Ikhwan MC or Maybank FCB VS.
Jitty
post Aug 26 2018, 09:47 AM

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QUOTE(fly126 @ Aug 26 2018, 09:30 AM)
Maybank Ikhwan MC or Maybank FCB VS.
*
I will use my Amex m2u cc on weekend to get the most Cashback and points.

How abt m2u fcb vs? I use on weekday?
fly126
post Aug 26 2018, 10:28 AM

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QUOTE(Jitty @ Aug 26 2018, 09:47 AM)
I will use my Amex m2u cc on weekend to get the most Cashback and points.

How abt m2u fcb vs? I use on weekday?
*
Yup, treat it as your Misc. Card to earn more CB.
Maybank FCB VS (for Weekdays)
* Lifetime Fee Waiver
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
GreaterFool
post Aug 26 2018, 06:46 PM

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1. Annual Income: RM150K and above

2. Free Lifetime Annual Fee: Doesn't matter.

3. Card required for: List all your needs: Airmiles or cashback, whichever give higher value. (For example if the airmiles converted into cash value is only 1% of every dollar spent, but cashback is 1.2% then cashback is better value)

4. Existing credit cards (if any): SC Worldmiles

5. Interested in CC from: Not sure

6. Others:

I run a business that I want to pay all the expense with my credit card to earn the points, most of the spending are to oversea company, for example facebook advertising. The business expense are about 10k~20k per month, and might be growing to more expenses.

This post has been edited by GreaterFool: Aug 26 2018, 06:49 PM
christcwl9
post Aug 26 2018, 08:07 PM

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1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: Free with no/with conditions are both acceptable

3. Card required for: List all your needs: Online cash back, dining cash back, Free Lounge Access

4. Existing credit cards (if any): CIMB Cash Rebate Platinum, PB Quantum Visa/Mastercard, Ambank True Visa

5. Interested in CC from: Public Bank Visa Signature is on my huntlist now.

6. Others: Please recommend me with credit cards that are comparable to PBB Visa Signature. Thanks
fly126
post Aug 26 2018, 10:58 PM

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QUOTE(GreaterFool @ Aug 26 2018, 06:46 PM)
1. Annual Income: RM150K and above

2. Free Lifetime Annual Fee: Doesn't matter.

3. Card required for: List all your needs: Airmiles or cashback, whichever give higher value. (For example if the airmiles converted into cash value is only 1% of every dollar spent, but cashback is 1.2% then cashback is better value)

4. Existing credit cards (if any): SC Worldmiles

5. Interested in CC from: Not sure

6. Others:

I run a business that I want to pay all the expense with my credit card to earn the points, most of the spending are to oversea company, for example facebook advertising. The business expense are about 10k~20k per month, and might be growing to more expenses.
*
How about get a MISC Card... icon_idea.gif
MISC. Spend - Alliance You:nique, HLB Essential, MBB 2Cards, SCB Cash-Back Plat., Maybank FCB VS, HLB Fortune.
» Click to show Spoiler - click again to hide... «


QUOTE(christcwl9 @ Aug 26 2018, 08:07 PM)
1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: Free with no/with conditions are both acceptable

3. Card required for: List all your needs: Online cash back, dining cash back, Free Lounge Access

4. Existing credit cards (if any): CIMB Cash Rebate Platinum, PB Quantum Visa/Mastercard, Ambank True Visa

5. Interested in CC from: Public Bank Visa Signature is on my huntlist now.

6. Others: Please recommend me with credit cards that are comparable to PBB Visa Signature. Thanks
*
i) [b]DINING -
PBB Quantum MC, MBB 2Cards, UOB Yolo, PBB Visa Signature, UOB Preferred Plat.

ii) ONLINE - PBB Quantum Mastercard, MBB 2Cards, PBB Visa Signature, UOB Yolo, SCB JustOne Plat.

iii) BILLING - CIMB CR Mastercard, SCB Just One Plat., UOB Preferred Plat. (via Auto Debit).

SCB JustOne Platinum MasterCard

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


harizdesu
post Aug 28 2018, 02:30 PM

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QUOTE(fly126 @ Aug 26 2018, 10:28 AM)
Yup, treat it as your Misc. Card to earn more CB.
Maybank FCB VS (for Weekdays)
* Lifetime Fee Waiver
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
*
sorry, ALL PURCHASES means including dining, grocery, online purchase?

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