Recommendation for Credit Cards V4

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starry-starry	Mar 14 2017, 05:10 AM Show posts by this member only \| Post #301
Enthusiast Junior Member 918 posts Joined: Aug 2009	QUOTE(fruitie @ Mar 13 2017, 11:46 PM) Maybank Ikhwan cards are also free AF. Just a real quick question.. There is no other credit card which offers weekday CB currently huh? Maybank Ikhwan CC offers CB on Friday is good enough, just in case there's any better option.
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adele123	Mar 14 2017, 07:15 AM Show posts by this member only \| Post #302
Look at all my stars!! Senior Member 4,725 posts Joined: Jul 2013	QUOTE(starry-starry @ Mar 14 2017, 05:10 AM) Just a real quick question.. There is no other credit card which offers weekday CB currently huh? Maybank Ikhwan CC offers CB on Friday is good enough, just in case there's any better option. If you are qualified, there is also maybank visa signature. But not free AF. Use one year and stop lo..
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fruitie	Mar 14 2017, 07:34 PM Show posts by this member only \| Post #303
Rise and Shine Staff 72,808 posts Joined: Sep 2005 From: KUL	QUOTE(adele123 @ Mar 14 2017, 07:15 AM) If you are qualified, there is also maybank visa signature. But not free AF. Use one year and stop lo.. Yeah, that is what I'm using now. Really useful and don't need to worry which day to use which card, a plus point is it comes with PayWave, easy to tap when I buy groceries or reload TnG in JG... But oh well, my happiness won't last long, soon I will have to cancel this card as I cannot achieve RM 30k of annual usage.
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felicious

Mar 14 2017, 09:20 PM

Show posts by this member only | Post #304

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QUOTE(fruitie @ Mar 13 2017, 06:38 PM)

Petrol and groceries: Maybank Ikhwan MasterCard. 5% on Fridays and Saturdays.
Or
Petrol: Maybank Ikhwan Visa Petronas. 8% on Saturdays and Sundays for Petronas only.

TnG: Where do you intend to reload? I'm not sure if Penang has a lot of places to reload with CC. You gotta check from this thread: https://forum.lowyat.net/index.php?showtopic=3757650

Bills: Which bills? If phone bills, may consider UOB YOLO.

Online shopping: UOB YOLO, CIMB Cash Rebate

Dining: HLB MACH

Or an all rounder card - SCB Cash Back Gold. Spend RM 1.5k and get RM 50 cash back. However, petrol is not part of the cash back category.

Good luck in choosing.

I don't spend a lot. Max spending only 2k. TnG reload nothing much for Penang. Used to reload at Sam Groceries happily, but they stopped it. So now I could just reload with cash.
CIMB CR and Maybank Ikhwan Visa Petronas seems good, although I don't pump Petronas.

QUOTE(fly126 @ Mar 13 2017, 06:40 PM)

Dan Lain2 General CC...

I) HLB Fortune - 1% CB but need min. Spend Rm2K /month to Activate the 1% CB Mechanism https://www.hlb.com.my/main/personal/cards/fortune-card

II) HLB Essential: 0.6% on 1st RM5000 spend, 1% cash back on Subsequent spend, NO cashback on Petrol Transaction.

III) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment.

https://www.sc.com/my/credit-cards/goldcard/gold-card.html

IV) OCBC 365 Mastercard: 1% CB on 1st RM1K Spend, 0.5% cash-back on subsequent spend (Annual Fee RM106)

V) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending, & also Good for PTPTN.

http://www.alliancebank.com.my/younique

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

I don't spend alot. Used to use HLB Wise, then I canceled it as I don't use spend that much.
OCBC 365 has 1% CB on all spending? No minimum spending?

Applied SCB CB Gold via Ringgitplus, but so far not sure whether my application is approved or not.

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fly126	Mar 14 2017, 09:39 PM Show posts by this member only \| Post #305
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(felicious @ Mar 14 2017, 09:20 PM) I don't spend a lot. Max spending only 2k. TnG reload nothing much for Penang. Used to reload at Sam Groceries happily, but they stopped it. So now I could just reload with cash. CIMB CR and Maybank Ikhwan Visa Petronas seems good, although I don't pump Petronas. I don't spend alot. Used to use HLB Wise, then I canceled it as I don't use spend that much. OCBC 365 has 1% CB on all spending? No minimum spending? Applied SCB CB Gold via Ringgitplus, but so far not sure whether my application is approved or not. If I were You I will get Alliance You: nique or HLB Essential becos OCBC 365 - 1% CB earning only on the1st RM1,000 spend. Plus this card also come with AF & as for both Alliance or HLB are Lifetime Fee Waiver with 12x Swipes p.a Only...! This post has been edited by fly126: Mar 15 2017, 12:02 AM
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starry-starry	Mar 14 2017, 10:27 PM Show posts by this member only \| Post #306
Enthusiast Junior Member 918 posts Joined: Aug 2009	QUOTE(fruitie @ Mar 14 2017, 07:34 PM) Yeah, that is what I'm using now. Really useful and don't need to worry which day to use which card, a plus point is it comes with PayWave, easy to tap when I buy groceries or reload TnG in JG... But oh well, my happiness won't last long, soon I will have to cancel this card as I cannot achieve RM 30k of annual usage. waa... siao meh! Annual RM30k usage? That's RM2500 a month! I definitely cannot afford...
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starry-starry	Mar 14 2017, 10:31 PM Show posts by this member only \| IPv6 \| Post #307
Enthusiast Junior Member 918 posts Joined: Aug 2009	QUOTE(adele123 @ Mar 14 2017, 07:15 AM) If you are qualified, there is also maybank visa signature. But not free AF. Use one year and stop lo.. I think I am not qualified after finding out must spend minimum RM30k annually!!! That's really crazy... wait till I get very rich first...
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fruitie	Mar 14 2017, 11:59 PM Show posts by this member only \| Post #308
Rise and Shine Staff 72,808 posts Joined: Sep 2005 From: KUL	QUOTE(starry-starry @ Mar 14 2017, 10:27 PM) waa... siao meh! Annual RM30k usage? That's RM2500 a month! I definitely cannot afford... Actually RM 30k per year is very achievable but just that I cannot convince myself to spend on it when I know no benefits...
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starry-starry	Mar 15 2017, 05:18 AM Show posts by this member only \| IPv6 \| Post #309
Enthusiast Junior Member 918 posts Joined: Aug 2009	QUOTE(fruitie @ Mar 14 2017, 11:59 PM) Actually RM 30k per year is very achievable but just that I cannot convince myself to spend on it when I know no benefits... I thought it was recommended? Read the features of Maybank Visa Signature, 5% CB all day on petrol & grocery but no Treat Point. So I guess there is no credit card which offers all day CB plus reward points huh? I'm planning to cancel my HSBC card, seems it serves no purpose as there's not much benefits. Is there any HSBC CC you recommended?
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fruitie	Mar 15 2017, 11:02 AM Show posts by this member only \| Post #310
Rise and Shine Staff 72,808 posts Joined: Sep 2005 From: KUL	QUOTE(starry-starry @ Mar 15 2017, 05:18 AM) I thought it was recommended? Read the features of Maybank Visa Signature, 5% CB all day on petrol & grocery but no Treat Point. So I guess there is no credit card which offers all day CB plus reward points huh? I'm planning to cancel my HSBC card, seems it serves no purpose as there's not much benefits. Is there any HSBC CC you recommended? I prefer cash back over points. I have other cards for other purposes. My MBB VS is purely for groceries and petrol.
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starry-starry	Mar 15 2017, 05:17 PM Show posts by this member only \| Post #311
Enthusiast Junior Member 918 posts Joined: Aug 2009	QUOTE(fruitie @ Mar 15 2017, 11:02 AM) I prefer cash back over points. I have other cards for other purposes. My MBB VS is purely for groceries and petrol. True, should maximize 'returns' with our spending! I was dumb enough to use HSBC CC with not much benefits besides reward points for years. Only started to use Maybankard2 now, I'm also trying to look for CC which offers CB for weekday + grocery purchase (but I can't afford RM30k spending requirement for Maybank Signature Visa).
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fly126	Mar 15 2017, 05:26 PM Show posts by this member only \| Post #312
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(starry-starry @ Mar 15 2017, 05:17 PM) True, should maximize 'returns' with our spending! I was dumb enough to use HSBC CC with not much benefits besides reward points for years. Only started to use Maybankard2 now, I'm also trying to look for CC which offers CB for weekday + grocery purchase (but I can't afford RM30k spending requirement for Maybank Signature Visa). 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 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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kremlin	Mar 15 2017, 06:01 PM Show posts by this member only \| Post #313
Enthusiast Senior Member 925 posts Joined: Jan 2003 From: Malaysia	Hi all, May I know the best to use when traveling? I am going to Bangkok. Preferably with good exchange rate and no "additional" fee (cross border etc)
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starry-starry	Mar 15 2017, 08:02 PM Show posts by this member only \| IPv6 \| Post #314
Enthusiast Junior Member 918 posts Joined: Aug 2009	QUOTE(fly126 @ Mar 15 2017, 05:26 PM) 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 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 - very informative! I'll consider and try to find more details on the cards (although they are already pretty much well summarized)
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Confession	Mar 15 2017, 11:39 PM Show posts by this member only \| Post #315
Enthusiast Senior Member 729 posts Joined: Dec 2005	1. Annual Income: RM30k 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol around 200-300 monthly, online shopping and grocery. 4. Existing credit cards (if any): Nil. Would appreciate your recommendation. Thank you.
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fruitie	Mar 16 2017, 12:21 AM Show posts by this member only \| Post #316
Rise and Shine Staff 72,808 posts Joined: Sep 2005 From: KUL	QUOTE(Confession @ Mar 15 2017, 11:39 PM) 1. Annual Income: RM30k 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol around 200-300 monthly, online shopping and grocery. 4. Existing credit cards (if any): Nil. Would appreciate your recommendation. Thank you. If you can shift your spending to weekends, just apply Maybank2Cards. Use the AmEx card for all your transactions. Enjoy 5% cash back.
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fly126	Mar 16 2017, 03:03 AM Show posts by this member only \| Post #317
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(kremlin @ Mar 15 2017, 06:01 PM) Hi all, May I know the best to use when traveling? I am going to Bangkok. Preferably with good exchange rate and no "additional" fee (cross border etc) AmBank VISA Infinite Card /AmBank World MasterCard • Free-For-Life, NO conditions attached • Unlimited lounge access without condition • Complimentary Hilton Premium Club Membership Card (Note: Membership is automatically renewed annually with just a min retail usage of RM30,000) •Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles) http://www.ambank.com.my/eng/cards/visainfinite So far Ambank Never charge any Cross Border Transaction Fee, yet... This post has been edited by fly126: Mar 16 2017, 03:05 AM
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kremlin	Mar 16 2017, 11:01 AM Show posts by this member only \| Post #318
Enthusiast Senior Member 925 posts Joined: Jan 2003 From: Malaysia	QUOTE(fly126 @ Mar 16 2017, 03:03 AM) AmBank VISA Infinite Card /AmBank World MasterCard • Free-For-Life, NO conditions attached • Unlimited lounge access without condition • Complimentary Hilton Premium Club Membership Card (Note: Membership is automatically renewed annually with just a min retail usage of RM30,000) •Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles) http://www.ambank.com.my/eng/cards/visainfinite So far Ambank Never charge any Cross Border Transaction Fee, yet... Aiyoyo.. just canceled my AMbank World Mastercard. Does PBB VS charge Cross Border Transaction Fee?
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fruitie	Mar 16 2017, 11:55 AM Show posts by this member only \| Post #319
Rise and Shine Staff 72,808 posts Joined: Sep 2005 From: KUL	QUOTE(kremlin @ Mar 16 2017, 11:01 AM) Aiyoyo.. just canceled my AMbank World Mastercard. Does PBB VS charge Cross Border Transaction Fee? Why wanna cancel AmBank WMC? It has no AF and good to keep as backup and for PPL access.
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kremlin	Mar 16 2017, 12:16 PM Show posts by this member only \| Post #320
Enthusiast Senior Member 925 posts Joined: Jan 2003 From: Malaysia	QUOTE(fruitie @ Mar 16 2017, 11:55 AM) Why wanna cancel AmBank WMC? It has no AF and good to keep as backup and for PPL access. I have AEON GOLD and PBB VS .. Thought it is good enough for me. Only travel 2-3 times a year
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