1. Annual Income: Around RM100K

2. Free Lifetime Annual Fee: Doesnt matter

3. Card required for: Petrol, AirMiles, Lounge Access

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

5. Interested in CC from: Doesnt matter

6. Others: Hello guys! Newbie here. I'm a Malaysian and Singapore PR working and staying in Singapore. Singapore banks rejected my CC application so I'm thinking of applying a Malaysia CC. I travel quite a lot for a work so I need a card that can give me access to lounge or earn miles to upgrade to J class. I do have Enrich and Krisflyer FFP. I also frequent JB for petrol and groceries so a card that has cash or petrol rebate would be good also. Thanks all!

Applied through online?

yup

1. Annual Income:

2. Free Lifetime Annual Fee: Preferably free annual fee

3. Card required for: Petrol, Cashback, Earn Points

4. Existing credit cards (if any): Maybank 2 Cards Visa and Amex.

5. Interested in CC from: Citibank

6. Others:

I already have M2C Visa and Amex so I am looking for a Mastercard credit card. Interested in credit cards from Citibank but they don't have Mastercard credit card, only Visa. The closest one that fits my needs is Maybank Islamic MasterCard Ikhwan. But I already have credit cards from Maybank. Prefer to have one from another bank. Thanks.

This post has been edited by generate: Sep 15 2018, 02:40 PM

RHB World Mastercard, Public Bank Quantum Mastercard, CIMB Petronas / Cash Rebate mastercard. PLUS Bigpay Prepaid Mastercard and CIMB Lazada Prepaid Mastercard (Annual fee RM10).

This post has been edited by ClarenceT: Sep 15 2018, 03:54 PM

1. Annual Income: 36k to 48k

2. Free Lifetime Annual Fee: Preferably free annual fee

3. Card required for: Oversea transaction

4. Existing credit cards (if any): n/a

5. Interested in CC from: n/a

6. Others: Will be work oversea for few months, preferable any eligible cc with my income to rebate / reward oversea transaction either through swipe / cash advance

This post has been edited by yeo1992cc: Sep 15 2018, 04:01 PM

Affin bhp MasterCard

citibank have mastercard just informed them you want mastercard will do.

This post has been edited by koala225: Sep 15 2018, 08:53 PM

I assume you have totally no CC for now.
You may have a little difficulties to get a good card.
Try to start from the bank for your savings.

I will suggest getting:
1) Maybank 2 Plat, weekend 5% CB for Amex (capped at RM50/month), including Petrol. Treat Points is good for air miles.

2) RHB VI/WMC is only good for local PPL lounge, unless you are flying around Msia, you may opt for it.

3) You may aim for Ambank VI/WMC, maybe after getting bonus, if you manage to bump your annual income towards 120k.
Ambank is good for lounge and airmiles (unfortunately their privilege has been reduced substantially, but still something worth considering)

4) If you have 250k spare cash, dump into Standard Chartered FD, get their priority banking status for VI.
You will get unlimited lounge access with LoungeKey program, accepted by more than 1000 lounges worldwide.

5) For airmiles, your ultimate target should be Maybank 2 Cards Premier, but it requires 80k spending to waive AF.

Thanks for your reply. I applied for Citibank Cash Back Visa online since there wasn't any Mastercard available. When Citibank called me I told them I wanted Mastercard instead but was told they do not have Mastercard credit cards. So I did not proceed with the application.

I think Mastercard was offered previously but currently, they only have Visa. But I might be wrong here or the person from Citibank probably gave a misleading info. Do you know which Citibank credit card is being offered as Mastercard?

My sister citibank cash back is mastercard. My dad citibank rewards Vs is mastercard too. Mine cashback and Choice card is visa.

This post has been edited by koala225: Sep 16 2018, 03:31 PM

Thanks! I might have to open Maybank malaysia account soon

1. Annual Income: 96k

2. Free Lifetime Annual Fee: Yes
3. Card required for: Petrol, Bills mostly

4. Existing credit cards (if any): Maybank 2 Cards MasterCard and Amex.

5. Interested in CC from: Preferably maybank?

6. Others:
With SST kicks in, the rm25 per card is a really big problem to me since I have a supplimentary card for my wife.
I'm will cut the supplimetary card for now, and planning on switching to 1 that only have 1 card + another sup card for wife, since have to pay for 2 card anyway.
I currently have some monthyly installmenty payment charged on the card, so if use bank Maybank I could some how transfer the montly installment to a new card maybe?

Edit:
So if I have to give her a card to use, but supp card has no benefits liao, I think can apply 2nd bank card under my name for her?
So can suggest me 2 bank's credit card if this is a better way. thanks

This post has been edited by [+]: Sep 17 2018, 11:41 AM

I am leaving Msia for another country and living there.

Between these 2 credit cards

CIMB Cash Rebate Platinum & PB Quantum Visa/Mastercard

which should I keep? Should I keep both?

Quite troublesome and not economical for you to keep and manage CC (principal).
It is better you keep a Debit card.

This post has been edited by ClarenceT: Sep 17 2018, 06:00 PM

No, you can not transfer your monthly installment to other new card.

SCB JustOne Platinum MasterCard

what is the best CC for cash back?
-annual income say 60k maybe
-mainly use for online purchase,shopping,dining,entertainment


means maybe with more or unlimited cap..
cheap or free annual fee
less interest
or any other things that can be consider
i dont really interested in the point system as for me redeemed item mostly not interesting and can be found cheaper online << or should i rethink :-)

This post has been edited by nforce4_ultrad: Sep 18 2018, 04:55 PM

Maybank card combo of AMEX+Master (just use the amex).

Or if u can hit 108K annually, best would be HLB Fortune card.

what would be the strong point of this card other than others?

108k anually means we should spend 108k annual?

This post has been edited by memrize: Sep 18 2018, 05:00 PM

108k hit gets 1800 cash back.

I thik there is 3 tiers, u need to go check yourself, I only target the 108k.

1% CB limited to 50 per month (all purchase).

SO theoractically you can get 50 x 12 plus 1800 cb = 2400 for 108k spent which is 2.2% no limit on category.