Recommendation for Credit Cards V4

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fly126	Sep 12 2017, 09:40 AM Return to original view \| Post #241
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(fly126 @ Sep 10 2017, 12:11 AM) Maybank 2 Cards * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% CB OR 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 Then, when you have earn More than RM 36K p.a later you can Add-on, PBB Quantum 2Cards (Free For Life) Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. If Compare to CIMB Cash Rebate Mastercard, Quantum MC is Lenient for Online as You also can Pay most of your billing thru Online to earn Cash Back... These Combo (M2C + PBB 2Q) can Cover Most of Your Daily Expenses liao, That's ALL You Need :thumbsup: QUOTE(55667788 @ Sep 11 2017, 10:29 PM) 1. Annual Income: RM30k 2. Free Lifetime Annual Fee: Preferably but not necessary 3. Card required for: Mainly online shopping and some travelling 4. Existing credit cards (if any): None 5. Interested in CC from: Hong Leong / CIMB / Citibank / Maybank 6. Others: I mainly want to finance a new phone (Urgent/in Sept) and for hotel / flight / spending when travelling overseas in December. Don't plan to use this long-term. Please also advise on whether card termination is free for all cards. Thank you! Refer to the post as Above, Maybank 2cards & CIMB Cash Rebate MasterCard, try PBB Quantum 2Cards later... This post has been edited by fly126: Sep 12 2017, 09:58 AM
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fly126	Sep 12 2017, 11:50 AM Return to original view \| Post #242
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(tzehan_dk @ Sep 12 2017, 11:33 AM) Which CC best in terms of rewards etc for larger transactions (ie. RM15k+)? Not keen on those cashback with monthly caps which are too little. Amex Cash Back Gold Credit Card - Unlimited 1% Cash back http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards HLB Essential earns up to 1% Cash Back on all valid Retail Transactions (except Petrol & Government Trasactions) also a Good Card as a Spare... i. Cash Back: * 0.6% Cash Back for all Insurance transactions For other Retail Transactions, * Tier 1 – 0.6% Cash Back for first RM5,000 spend * Tier 2 – 1% Cash Back for subsequent spend https://www.hlb.com.my/en/personal-banking/...ntial-card.html This post has been edited by fly126: Sep 12 2017, 02:17 PM
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fly126	Sep 12 2017, 01:40 PM Return to original view \| Post #243
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(tzehan_dk @ Sep 12 2017, 01:26 PM) Link do not work for MBB. Please link again to the exact CC you are referring to. TQ I am on this link but do not see the 1% cashback anywhere. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
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fly126	Sep 13 2017, 03:07 PM Return to original view \| Post #244
Lousy One Senior Member 4,404 posts Joined: Jun 2012	Q: Which card collect points are the best for large purchase which cannot use AMEX? QUOTE(fly126 @ Jul 28 2017, 01:28 AM) i) Citibank Visa Signature/ World Mastercard - Replacement for (Generic) Normal Plat. Card which provide Unlimited PPL Access to Cardholder. • 5x Rewards point awarded at selected Supermarket, Dept. Store or Hypermarket. a. Departmental Stores: AEON, AEON Big \| Isetan \| Marks & Spencer \| Metrojaya \| Parkson \| Robinsons \| Tangs b. Supermarkets: Cold Storage \| Everrise \| Giant \| Jasons Food Hall \| Servay \| Tesco\| B.I.G. Ben's Independent Grocer \| Jaya Grocer \| Village Grocer • 5X Citi Rewards points when you travel overseas* Retail transactions made at the selected supermarket/hypermarket merchants will be awarded 5X Citi Rewards points up to a maximum spend of RM3,000 per billing cycle month. Overseas retail transactions will be awarded 5X Citi Rewards points up to a maximum spend of RM24,000 per year. https://www.citibank.com.my/english/credit-...rade/index.html ii) SCB Visa Platinum -* 5X points with Dining, Department stores, Overseas spend. https://www.sc.com/my/campaign/visa-platinum-relaunch/ iii) Maybank Visa Infinite - Overseas Spend RM1 = 5X tp. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards iv) AmBank VISA Infinite Card /AmBank World MasterCard - 5X AmBonus Points for overseas spend. https://www.ambank.com.my/eng/cards/visainfinite v) RHB VISA PREMIER / INFINITE CREDIT CARD - 8 /5 x Reward Points for Overseas retail spend. https://www.rhbgroup.com/products-and-servi...ite-credit-card vi) HLB Sutera Platinum Card - Up to 6X Rewards Points with Shopping, Travelling and Dining spend https://www.hlb.com.my/en/personal-banking/...tinum-card.html QUOTE(fly126 @ Jul 30 2017, 01:37 AM) Nay, currently now jz MBB 2 Amex got the BEST Coverage. Btw, HSBC Visa Signature got, • 8X Reward Points on Overseas Spend • 8X Reward Points on Online Spend (Foreign currency) • 5X Reward Points at Local Malls Spend • 5X Reward Points on Online Spend (Ringgit Malaysia) • 1X Reward Points on Any Other Spend. * COMPLIMENTARY LOUNGE ACCESS to Plaza Premium Lounge https://sp.hsbc.com.my/vs?utm_source=INT_VI...HOM:1709:001:VS QUOTE(merchant9 @ Sep 13 2017, 12:48 PM) Hi All, I am looking for a CC with annual income > RM120k, preferably Visa/Master without annual fees (no Amex!). I don't mind taking clear card (doesn't have to be Gold or Platinum) but I cannot wrap my head around which is more important: 1. Reward Points 2. Cashback Reward Points I noticed that some offer 1x up to 5x rewards points (local vs overseas, Maybank huh) but some times their product catalogue give lousy products. Cash back Only selected merchant or stores give certain cash back capped at max RMx per month. So which is more berbaloi for someone who runs a family with bills, petrol and groceries, not so much on shopping. As Refered to your & the posts as Above... Maybank Visa Signature- 5% Cashback for all petrol & grocery (domestic only) for all days capped at RM88 per month. However, this card do come with RM550 Annual Fee. https://forum.lowyat.net/topic/4067746 PBB Visa Signature- 6% Cash Back on Grocery, Dining and Online Transaction https://forum.lowyat.net/topic/4251865 MBB Ikhwan Mastercard: 5% Cash-Back on Petrol & Groceries, every Fri/Sat, CB capped at RM50/month. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards 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 1% / Weekends 5%) & Wed. Special Petrol Rebate: 3% (1/7 - 30/9/2017) - 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 8%) http://www1.uob.com.my/personal/cards/cred...b_one_card.html 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 Sorry to Disappoint You, Most of the 5x Rewards Point or Cash Back CC do come with an Annual Fee. Currently there's only 1 CC : Maybank 2 Cards (Amex ), Possible the Best Card Which is Free for Life that giving 5% CB on any Retail Transaction on Weekends & 5x Rewards Point on your Spending. https://forum.lowyat.net/topic/4265642 This post has been edited by fly126: Sep 13 2017, 09:19 PM
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fly126	Sep 13 2017, 03:49 PM Return to original view \| Post #245
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(chbhn_06 @ Sep 13 2017, 02:09 PM) Hi. May I know which credit card is applicable to me? Annual Income: RM 27.6 K 2. Free Lifetime Annual Fee: Doesn't mind 3. Card required for: Flight tics, entertainment 4. Existing credit cards (if any): Nil 5. Interested in CC from: - 6. Others: I am flying once every month so credit card mainly used for flight tics. and maybe sometime will use for buying electronics by installment HLB Mach.
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fly126	Sep 13 2017, 05:17 PM Return to original view \| Post #246
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(vince-90 @ Sep 13 2017, 04:29 PM) 1. Annual Income: RM36k 2. Free Lifetime Annual Fee: Preferably but not necessary/waived with condition 3. Card required for: Mainly for Iphone 4. Existing credit cards (if any): HLB Wise, PB Quantum 5. Interested in CC from: Any 6. Others: Plan to buy Iphone X and searching for the best CC that could reward more， either EPP/BT/CB PBB Quantum 2Cards - Exclusive Flexi-Payment Plan Offer 0% for 12 months with minimum purchase of RM1,200
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fly126

Sep 15 2017, 04:23 PM

Return to original view | Post #247

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(ivzh @ Sep 15 2017, 04:14 PM)

Hi guys, currently i m looking for credit card to pay my monthly insurance to great eastern, monthly commitment is 2.2k.

currently i had public bank VS, Maybank 2 cards, UOB yolo, cimb cash rebate to cover my others spend in utilities, online shopping, dining, and groceries..

which credit card will be most suitable for me? either cash rebate or points rewards.

Thanks in advance

SCB JustOne Platinum MasterCard Credit Card
for Utilities Bill, Insurance via Auto Debit EZ Fee Waiver with jz Call CS request an AF Waiver

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fly126	Sep 18 2017, 11:06 AM Return to original view \| Post #248
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(LazyKurosaki @ Sep 18 2017, 08:27 AM) 1. Annual Income: RM30K to RM36K or 2. Free Lifetime Annual Fee: can have annual fee but waive first few yrs. 3. Card required for: List all your needs. Petrol and grocery. 4. Existing credit cards (if any): ocbc cashflo credit card 5. Interested in CC from: none yet. Applied mbb bt rejected 6. Others: Please be specific. Try 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 1% / Weekends 5%) & Wed. Special Petrol Rebate: 3% (1/7 - 30/9/2017) - 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 8%) http://www1.uob.com.my/personal/cards/cred...b_one_card.html 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 Reasons of CC Rejection https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html
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fly126	Sep 18 2017, 01:32 PM Return to original view \| Post #249
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(fly126 @ Aug 30 2017, 12:51 AM) PETROL - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, UOB One, Citi CB Card, MBB Visa Signature. » Click to show Spoiler - click again to hide... « MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. :thumbsup: 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 1% / Weekends 5%) & Wed. Special Petrol Rebate: 3% (1/7 - 30/9/2017) - 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 8%) http://www1.uob.com.my/personal/cards/cred...b_one_card.html 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 QUOTE(fly126 @ Sep 2 2017, 01:45 AM) Do you have Maybank 2Cards...? * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards Maybe U can consider also SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. An EZ Fee Waiver with jz a Call to CS https://www.sc.com/my/credit-cards/goldcard/gold-card.html Maybank 2Cards & SCB Cash back Gold.
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fly126	Sep 19 2017, 08:05 AM Return to original view \| Post #250
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(fly126 @ Sep 10 2017, 12:11 AM) Maybank 2 Cards * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% CB » Click to show Spoiler - click again to hide... « It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period * The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement. * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 /month. * Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay. * NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies. Uses the Treats Point on Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period. You can Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB) or Standard On-Spot Redemption Conversion: 400 TPs = RM1 or 10,000 Treats Points = 1000 Enrich Mile (Effective 1 March 2015). So with RM1 = 5x TP, it works out to RM2 spent = 1 Enrich Mile for the Enrich Miles Conversion http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards PBB Quantum 2Cards (Free For Life) Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. These Combo (M2C + PBB 2Q) can Cover Most of Your Daily Expenses liao, That's ALL You Need QUOTE(driftkids @ Sep 18 2017, 10:04 PM) 1. Annual Income: RM80k 2. Free Lifetime Annual Fee: can have annual fee but waive first few yrs. 3. Card required for: Petrol and dining 4. Existing credit cards (if any): Cimb cashback / RHB smart / HSBC amanah 5. Interested in CC from: 6. Others: need to purchase furniture and electronic for new home... any card good for high spending cash back for a few months? Thanks. PBB Quantum 2Cards & Maybank 2Cards or MBB Ikhwan Mastercard- 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. This post has been edited by fly126: Sep 19 2017, 08:21 AM
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fly126	Sep 23 2017, 08:46 AM Return to original view \| Post #251
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(azrazrazrazr @ Sep 23 2017, 01:15 AM) 1. Annual Income: RM90K 2. Free Lifetime Annual Fee: Yes or waivable with 12 swipes per year or thru CS 3. Card required for: Oversea use 4. Existing credit cards (if any): hsbc amanah, maybank ikhwan platinum (both v and mc) 5. Interested in CC from: Ambank 6. Others: Looking for cards best used abroad (points, fees etc...) Ambank Visa Signature https://www.ambank.com.my/eng/cards/visasignature
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fly126	Sep 25 2017, 11:52 PM Return to original view \| Post #252
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(fuzzyozzy @ Sep 25 2017, 11:34 PM) Annual Income: MYR120k 2. Free Lifetime Annual Fee: Yes or waivable 3. Card required for: petrol, groceries, overseas transacs, balance transfer 4. Existing credit cards (if any): Maybank VS, citi platinum CB 5. Interested in CC from: a. Any card that allow very high balance Transfer 0% rate / charge b. Lounge access and travel benefits (besides AmBank) c. Dining offers 6. Others: card that will allow installments with 0% charge You might be interested with... PBB Visa Signature - 6% Cash Back on Grocery, Dining and Online Transaction & 3x Complimentary Access to Plaza Premium Lounge Malaysia & PBB Quantum 2Cards which come on Flexi-Payment Plan Offer 0% for 12 months with minimum purchase of RM1,200 i) Quantum MasterCard 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. ii) Quantum Visa 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. https://forum.lowyat.net/topic/4410413 This post has been edited by fly126: Sep 25 2017, 11:58 PM
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fly126

Sep 26 2017, 08:52 AM

Return to original view | Post #253

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(gbmitoban @ Sep 26 2017, 08:21 AM)

Annual Income: 66K

2. Free Lifetime Annual Fee: Prefer Free lifetime

3. Card required for: Online, insurance, bank, grocery, petrol basically one card for all

4. Existing credit cards (if any): Maybank Visa signature , hsbc amanah, hong leong gsc

5. Interested in CC from: MBB but open for suggestion

6. Others: Since MBB Visa signature will be charging me annual fee, I want to get a CC free annual fee. Kinda troublesome to track, so I will cancel my extra CC.

Also, can anyone advise on how I can deal with the auto-debit if I cancel my CC? How can I transfer it to other CC?

Convert Your MBB VS to Maybank Ikhwan MC for Petrol & Groceries. Call your Insurance Provider inform about the change of your Auto Debit.

SCB JustOne Platinum MasterCard Credit Card
for Utilities Bill, Insurance via Auto Debit to earn CB, EZ Fee Waiver with jz Call CS request an AF Waiver

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fly126

Sep 26 2017, 10:03 AM

Return to original view | Post #254

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(amanstiva @ Sep 26 2017, 07:44 AM)

Hello guys, need help with my first credit card, been searching for quite awhile and can't make any decision, thank you.

1. Annual Income: RM60k tier

2. Free Lifetime Annual Fee: either

3. Card required for: Insurance around RM400, Handphone bills RM200, Utilities - TNB RM2000 / SYABAS RM1000, Groceries RM400-600 and occasional online shopping

4. Existing credit cards (if any): none

5. Interested in CC from: Maybank or Hongleong

PBB Quantum 2 Cards, pay your Bill tru Online to earn CB.
i) Quantum MasterCard
5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
ii) Quantum Visa
5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

SCB JustOne Platinum MasterCard Credit Card
for Utilities Bill, Insurance via Auto Debit to earn Cash Back, EZ Fee Waiver with jz Call CS request an AF Waiver

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fly126	Sep 26 2017, 04:36 PM Return to original view \| Post #255
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(blu3gyrl @ Sep 26 2017, 04:25 PM) 1. Annual Income: 70k 2. Free Lifetime Annual Fee: Yes or waiveable 3. Card required for: Online, groceries, department store, petrol, dining, overseas 4. Existing credit cards (if any): Maybank2Card Platinum, CIMB Cashback 5. Interested in CC from: My existing cards are MasterCard and AMEX. Am looking for a Visa card if possible coz was told it's better to have one as an alternative to MC. 6. Others: - PBB Quantum 2 Cards, pay your Bill tru Online to earn CB. i) Quantum MasterCard 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. ii) Quantum Visa 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. You might consider also MBB Ikhwan Mastercard, 5% Cash-Back on Petrol & Groceries, every Fri/Sat, CB capped at RM50/month.
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fly126	Sep 27 2017, 10:57 AM Return to original view \| Post #256
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(nzmrmnr @ Sep 27 2017, 10:41 AM) 1. Annual Income: RM30K to RM36K 2. Free Lifetime Annual Fee: Must 3. Card required for: Cash Back/Rebate, Cinema, Groceries, Petrol, Phone bills and a little bit of shopping and online too. 4. Existing credit cards (if any): Nil 5. Interested in CC from: Whichever suit me 6. Others: Looking for cards that allow 0% installment or not. PBB (Quantum 2 Cards) + Maybank 2 Cards = That's ALL You Need :thumbsup: I) PBB Quantum 2Cards Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. You can Pay your bill thru Online to get Cash Back... + These combo come with Flexi-Payment Plan Offer 0% for 12 months with minimum purchase of RM1,200. II) Maybank 2 Cards * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month. Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back » Click to show Spoiler - click again to hide... « It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period * The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement. * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 /month. * Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay. * NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies. Uses the Treats Point on Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period. You can Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB) or Standard On-Spot Redemption Conversion: 400 TPs = RM1 or 10,000 Treats Points = 1000 Enrich Mile (Effective 1 March 2015). So with RM1 = 5x TP, it works out to RM2 spent = 1 Enrich Mile for the Enrich Miles Conversion http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards This post has been edited by fly126: Sep 27 2017, 11:00 AM
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fly126	Sep 27 2017, 02:33 PM Return to original view \| Post #257
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(nzmrmnr @ Sep 27 2017, 12:18 PM) Thanks! but my annual income is 32k, cant apply for PBB Quantum 2Cards since the min is 36K. got other options? How about ... 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/4263689 This post has been edited by fly126: Sep 27 2017, 04:03 PM
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fly126	Sep 27 2017, 08:36 PM Return to original view \| Post #258
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(silverong @ Sep 27 2017, 04:31 PM) 1. Annual Income: RM100k 2. Free Lifetime Annual Fee: Yes/ 12 swipes 3. Card required for: mainly for petrol rebate daily without spending requirements. It is good to have rebate on other categories. 4. Existing credit cards if any: MBB 2 Cards, PBB Visa Sign, Citi Cashback 5. Looking at CC from: Any bank 6. Others: QUOTE(gengreengeng @ Sep 27 2017, 06:55 PM) 1. Annual Income: 32k 2. Free Lifetime Annual Fee: anything as long as free first year 3. Card required for : Petrol (will be using this card everyday) and cashback for petrol. Pay for hotel. 4. Existing credit cards (if any): 0 5. Interested in CC from: no 6. Others: all cards have 20 days interest-free period right? because im planning to pay the petrol bill before it charge any interest. If got this Flexi-Payment Plan Offer 0% for 12 months also nice but PBB min income is 36k. Can i try it or sure not approve. UOB One Card - Annual Fee: RM72.08 (One Card) RM178.08 (One Platinum Card) * Cash Rebate for petrol (Weekdays 1% / Weekends 5%) & Wed. Special Petrol Rebate: 3% (1/7 - 30/9/2017) - 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 8%) http://www1.uob.com.my/personal/cards/cred...b_one_card.html Ps. You might consider also MBB Ikhwan Mastercard*, 5% Cash-Back on Petrol & Groceries, every Fri/Sat, CB capped at RM50/month.
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fly126	Sep 28 2017, 12:56 AM Return to original view \| Post #259
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(wklim090 @ Sep 28 2017, 12:30 AM) 1. Annual Income: RM33.6K 2. Free Lifetime Annual Fee: Must 3. Card required for: Petrol, Dining, Cinema 4. Existing credit cards (if any): Nil 5. Interested in CC from: Any CC that suit my requirement 6. Others: Prefer CC that provide 0% installment up to 24 months Maybank 2 Cards (Everything your Spend on Weekends) HLB Mach (Dinning, Movie) UOB One Card (Petrol, Movie, Groceries, Telco) PBB Quantum 2 Cards (Online, Dining, Entertainment & Departmental Stores). Flexi-Payment Plan Offer 0% for 12 months with minimum purchase of RM1,200. However, you a need to have a Income of RM 36K p.a to get this card.... This post has been edited by fly126: Sep 28 2017, 02:37 AM
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fly126

Sep 28 2017, 07:09 PM

Return to original view | Post #260

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(aichiban @ Sep 28 2017, 06:38 PM)

1. Annual Income: above 120k

2. Free Lifetime Annual Fee: waivable

3. Card required for: Petrol, groceries, online, utilities,

4. Existing credit cards (if any): OCBC Titanium

5. Interested in CC from: PETRONAS Maybank Platinum Visa / Maybank Visa Signature

6. Others: Looking for cards which gives back more per RM spent

i) PBB Visa Signature - 6% CB on Groceries, Dining, Online Spend, the 6% Cash Rebate is capped at RM50 per month as You can Pay your billing thru Online to get Cash Back. + 3x Complimentary Access to Plaza Premium Lounge Malaysia. Lifetime Fee Waiver with 12x Swipes p.a.
OR
ii) SCB JustOne Platinum MasterCard Credit Card
for Petrol, eCommerce & Auto billing (Utilities Bill, Insurance via Auto Debit), EZ Fee Waiver with jz Call CS request an AF Waiver

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