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

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arthur88
post May 18 2019, 12:03 PM

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Senior Member
1,069 posts

Joined: Feb 2008
since mbb amex revised the CB tnc, besides mbb barcelona+Yolo+Quantum CC...what other cc can be used to pay utilities/phone bills/gov bodies?
IbnuKhams
post May 19 2019, 03:34 PM

New Member
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Junior Member
43 posts

Joined: Dec 2010
1. Annual Income: 30k ( fresh grad )

2. Free Lifetime Annual Fee: Must

3. Card required for:
~petrol ( around 400/month )
~tng ( around 100/month )
~groceries, online shopping

4. Existing credit cards (if any): None

5. Interested in CC from: No preference.

6. Others:
~ Focusing on cashback
~ build credit score
~ maximise earning

eddievh
post May 19 2019, 09:41 PM

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Senior Member
3,060 posts

Joined: Apr 2005


QUOTE(IbnuKhams @ May 19 2019, 03:34 PM)
1. Annual Income: 30k ( fresh grad )

2. Free Lifetime Annual Fee: Must

3. Card required for:
~petrol ( around 400/month )
~tng ( around 100/month )
~groceries, online shopping

4. Existing credit cards (if any): None

5. Interested in CC from: No preference.

6. Others:
~ Focusing on cashback
~ build credit score
~ maximise earning
*
Cimb cash back MasterCard
putra23
post May 20 2019, 01:38 PM

On my way
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Junior Member
652 posts

Joined: Nov 2015
QUOTE(smallkid91 @ May 18 2019, 02:46 AM)
1. Annual Income: RM80k

2. Free Lifetime Annual Fee: Don't mind, as long as the yields are much better.

3. Card required for:
~700 Dining
~300 for online deliveries (weekdays) - Foodpanda/delivereat
~300 for petrol
~5-10k a year for travel ~ average to 1k a month
~4k a year for education ~ average to 300 a month
~1-2k a year for electronics (headphones/monitor/tv/soundbar) ~ random - most of the time lazada/senheng
~200 a month for clothes
~100 a month for groceries/guardian
~800 a year balik kampung (flight)

4. Existing credit cards (if any): maybank ikhwan, cimb rebate

5. Interested in CC from: -

6. Others:
Looking to maximize my earnings tongue.gif
No kids tongue.gif
Don't mind the hassle paying multiple bills.
*
To maximize earnings, you probably need multiple cards.
PB Visa Signature or Quantum Master for dining/online cashbacks.
General spending cards... SCB JustOne or Liverpool FC. Since you are using Maybank, you can also consider FC Barcelona Maybank card.
starry-starry
post May 20 2019, 04:06 PM

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Junior Member
834 posts

Joined: Aug 2009
1. Annual Income: RM70k

2. Free Lifetime Annual Fee: Yes (will also consider cards that offer AF waiver for spending > xx times)

3. Card required for: online shopping & e-wallet top up (grocery too but I pretty much use M2C AMEX during weekend + Boost during weekday)

4. Existing credit cards (if any): M2C AMEX, FCB & HSBC Platinum - which Im planning to cancel.

5. Interested in CC from: Any

6. Others: Cashback or CC that offers good points to redeem cash vouchers for retail & online shopping. Currently already maximized both CC cashback, wish to cancel HSBC CC and get a better one instead.

This post has been edited by starry-starry: May 20 2019, 04:08 PM
fruitie
post May 20 2019, 04:27 PM

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Joined: Sep 2005
From: KUL/BKK

QUOTE(starry-starry @ May 20 2019, 04:06 PM)
1. Annual Income: RM70k

2. Free Lifetime Annual Fee: Yes (will also consider cards that offer AF waiver for spending > xx times)

3. Card required for: online shopping & e-wallet top up (grocery too but I pretty much use M2C AMEX during weekend + Boost during weekday)

4. Existing credit cards (if any): M2C AMEX, FCB & HSBC Platinum - which Im planning to cancel.

5. Interested in CC from: Any

6. Others: Cashback or CC that offers good points to redeem cash vouchers for retail & online shopping. Currently already maximized both CC cashback, wish to cancel HSBC CC and get a better one instead.
*
PBB Quantum.
starry-starry
post May 20 2019, 07:04 PM

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834 posts

Joined: Aug 2009
QUOTE(hamjipeng @ Feb 28 2019, 04:03 PM)
Hi sifus, looking for a no frills cashback card similar to mbb amex/fcb. Came across ambank true visa credit card for 3% on all online spendings which sounds good but not many ppl talking about it. Any catch ? Is boost app considered online spending too?

Thanks!
*
Yes, anyone can advise? I checked out this Ambank True Visa CC, 3% cashback for online spending but excluding certain MCC such as service provider, direct marketing, so is this a good card for me if I wanna use it for Shopee/Lazada shopping and topping up Boost?

https://www.ambank.com.my/eng/cards/truevisa

https://www.ambank.com.my/ambank/Documents/...editCardTnC.pdf

QUOTE(fruitie @ May 20 2019, 04:27 PM)
PBB Quantum.
*
Does this PBB Quantum come in a combo like M2C? I checked out the CC info in PBB website, it doesn't explain much. If so, do I have to pay 2 x SST?

https://www.pbebank.com/Personal-Banking/Ca...edit-Cards.aspx

There's seriously not much info available, MC 5% online cashback is applicable for Shopee/ Lazada, even Boost? Any catch ie. FCFS? If I may ask, any possibility of SST waiver?

Someone also recommended me UOB YOLO is it good/better?

Currently pretty satisfied with my M2C AMEX & FCB, just wondering if there's any better CC that suits my usage pattern. I use AMEX during weekend, during weekday I use FCB but if there's a better card that can replace FCB, I'd glad to swicth though. I use FCB mainly for online shopping, retail/grocery.

This post has been edited by starry-starry: May 20 2019, 07:09 PM
fruitie
post May 20 2019, 08:55 PM

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Staff
67,989 posts

Joined: Sep 2005
From: KUL/BKK

QUOTE(starry-starry @ May 20 2019, 07:04 PM)
Does this PBB Quantum come in a combo like M2C? I checked out the CC info in PBB website, it doesn't explain much. If so, do I have to pay 2 x SST?

https://www.pbebank.com/Personal-Banking/Ca...edit-Cards.aspx

There's seriously not much info available, MC 5% online cashback is applicable for Shopee/ Lazada, even Boost? Any catch ie. FCFS? If I may ask, any possibility of SST waiver?

Someone also recommended me UOB YOLO is it good/better?

Currently pretty satisfied with my M2C AMEX & FCB, just wondering if there's any better CC that suits my usage pattern. I use AMEX during weekend, during weekday I use FCB but if there's a better card that can replace FCB, I'd glad to swicth though. I use  FCB mainly for online shopping, retail/grocery.
*
Yes, but you can cancel the Quantum Visa and pay only one SST. I didn't activate the Visa when I got it, called CS and immediately removed.

If no information about FCFS, that means it is not lo. I don't bother what it offers, just reload RM 600 into my BP and get RM 30 every month. It's up to me where to spend.
StarLightMe
post May 20 2019, 11:39 PM

Getting Started
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Junior Member
111 posts

Joined: May 2019

1. Annual Income: 36k ( Fresh grad )

2. Free Lifetime Annual Fee: Must

3. Card required for:
~petrol ( around 300/month )
~tng ( around 50/month )
~ utilities (phone bill+unifi+electricity....)
~e wallet (big pay + boost)

4. Existing credit cards (if any): None

5. Interested in CC from: No preference.

6. Others:
~ Focusing on cashback
~ build credit score
~ maximise earning

*Was planning to go for the Maybank 2 Amex..... But only realise they will be a revision soon..... Please advise it is still good to go with it. Thanks.

digimon09
post May 21 2019, 11:21 AM

Casual
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Junior Member
447 posts

Joined: Nov 2017


QUOTE(StarLightMe @ May 20 2019, 11:39 PM)
1. Annual Income: 36k ( Fresh grad )

2. Free Lifetime Annual Fee: Must

3. Card required for:
~petrol ( around 300/month )
~tng ( around 50/month )
~ utilities (phone bill+unifi+electricity....)
~e wallet (big pay + boost)


4. Existing credit cards (if any): None

5. Interested in CC from: No preference.

6. Others:
~ Focusing on cashback
~ build credit score
~ maximise earning

*Was planning to go for the Maybank 2 Amex..... But only realise they will be a revision soon..... Please advise it is still good to go with it. Thanks.
*
still good after revision

This post has been edited by digimon09: May 21 2019, 11:22 AM
IzaakC
post May 22 2019, 08:42 PM

Getting Started
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Junior Member
188 posts

Joined: Dec 2017


1. Annual Income: RM33k

2. Free Lifetime Annual Fee: Must.

3. Card required for: PTPTN, bills (water, electricity, mobile), online shopping, groceries,
Total Spending <RM2k

4. Existing credit cards (if any): None

5. Interested in CC from: CIMB Cash Rebate Platinum Credit Card? Alliance Bank You:nique Card?

6. Others: Prefer cashback, build credit score
niglejcjr P
post May 23 2019, 11:07 AM

New Member
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Probation
1 posts

Joined: May 2019
1. Annual Income: 60k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Priority: Petrol, Insurance, Monthly bills (phone ,internet), Dining (mostly weekends)

4. Existing credit cards (if any): -

5. Interested in CC from: no preference

6. Others: was looking into MM FCB. However, do you have any other recommendations. Thank you.
alpha91
post May 23 2019, 09:01 PM

Casual
***
Junior Member
471 posts

Joined: Apr 2011
1. Annual Income: RM60k.

2. Free Lifetime Annual Fee: A Must

3. Card required for: Rebate/Cashback, monthly spend about RM400 on petrol (Petronas), other than that usually is dining and shopping, but not much....

4. Existing credit cards (if any):Maybank 2 cards (Visa and American Express).

5. Interested in CC from: No idea

Hi all sifus, with the above information, is there any card can recommend to me? biggrin.gif


CyrusWong
post May 24 2019, 04:05 AM

Regular
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Senior Member
1,626 posts

Joined: Apr 2013
fresh grad but with few months ptptn outstanding

last month i sekaligus applied few banks (i only apply basic card)

all getting rejected sweat.gif

only AEON approved lol

guest I'm stuck with AEON CC for next 1-2 year i think
jefftan4888
post May 24 2019, 07:41 AM

Look at all my stars!!
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Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(alpha91 @ May 23 2019, 09:01 PM)
1. Annual Income: RM60k.

2. Free Lifetime Annual Fee: A Must

3. Card required for: Rebate/Cashback, monthly spend about RM400 on petrol (Petronas), other than that usually is dining and shopping, but not much....

4. Existing credit cards (if any):Maybank 2 cards (Visa and American Express).

5. Interested in CC from: No idea

Hi all sifus, with the above information, is there any card can recommend to me?  biggrin.gif
*
Since you already have M2C, it’s easier for you to add Maybank FCB.
jefftan4888
post May 24 2019, 07:42 AM

Look at all my stars!!
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2,600 posts

Joined: Apr 2019
QUOTE(niglejcjr @ May 23 2019, 11:07 AM)
1. Annual Income: 60k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Priority: Petrol, Insurance, Monthly bills (phone ,internet), Dining (mostly weekends)

4. Existing credit cards (if any): -

5. Interested in CC from: no preference

6. Others: was looking into MM FCB. However, do you have any other recommendations. Thank you.
*
Get M2C Platinum + FCB together.
jefftan4888
post May 24 2019, 07:44 AM

Look at all my stars!!
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2,600 posts

Joined: Apr 2019
QUOTE(CyrusWong @ May 24 2019, 04:05 AM)
fresh grad but with few months ptptn outstanding

last month i sekaligus applied few banks (i only apply basic card)

all getting rejected sweat.gif

only AEON approved lol

guest I'm stuck with AEON CC for next 1-2 year i think
*
How long have you been working at current company? What is your monthly income?
jefftan4888
post May 24 2019, 07:46 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(StarLightMe @ May 20 2019, 11:39 PM)
1. Annual Income: 36k ( Fresh grad )

2. Free Lifetime Annual Fee: Must

3. Card required for:
~petrol ( around 300/month )
~tng ( around 50/month )
~ utilities (phone bill+unifi+electricity....)
~e wallet (big pay + boost)

4. Existing credit cards (if any): None

5. Interested in CC from: No preference.

6. Others:
~ Focusing on cashback
~ build credit score
~ maximise earning

*Was planning to go for the Maybank 2 Amex..... But only realise they will be a revision soon..... Please advise it is still good to go with it. Thanks.
*
M2C Amex is still one of the best cc.
IzaakC
post May 24 2019, 09:52 AM

Getting Started
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Junior Member
188 posts

Joined: Dec 2017


QUOTE(IzaakC @ May 22 2019, 08:42 PM)
1. Annual Income: RM33k

2. Free Lifetime Annual Fee: Must.

3. Card required for: PTPTN, bills (water, electricity, mobile), online shopping, groceries, reload Boost & TnG e-wallet
Total Spending <RM2k

4. Existing credit cards (if any): None

5. Interested in CC from: CIMB Cash Rebate Platinum Credit Card? Alliance Bank You:nique Card?

6. Others: Prefer cashback, build credit score
*
After days of researching, it seems Maybank 2 Gold Cards is quite good to me. I still duno if:
1. CIMB Cash Rebate Platinum Credit Card
2. Maybank 2 Gold Cards
3. Alliance Bank You:nique Card
4. any better choices?
Suits me more
ClarenceT
post May 24 2019, 09:54 AM

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13,563 posts

Joined: May 2015
QUOTE(IzaakC @ May 24 2019, 09:52 AM)
After days of researching, it seems Maybank 2 Gold Cards is quite good to me. I still duno if:
1. CIMB Cash Rebate Platinum Credit Card
2. Maybank 2 Gold Cards
3. Alliance Bank You:nique Card
4. any better choices?
Suits me more
*
StanChart Just-one platinum, you need Boost to achieve minimum monthly spend >RM2500 to get RM85 CB.

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