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?
Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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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?
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May 19 2019, 03:34 PM
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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 |
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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 ) Cimb cash back MasterCard2. 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 |
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May 20 2019, 01:38 PM
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Junior Member
652 posts Joined: Nov 2015 |
QUOTE(smallkid91 @ May 18 2019, 02:46 AM) 1. Annual Income: RM80k To maximize earnings, you probably need multiple cards.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 No kids Don't mind the hassle paying multiple bills. 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. |
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May 20 2019, 04:06 PM
Show posts by this member only | IPv6 | Post
#3045
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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 |
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May 20 2019, 04:27 PM
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Staff
67,989 posts Joined: Sep 2005 From: KUL/BKK |
QUOTE(starry-starry @ May 20 2019, 04:06 PM) 1. Annual Income: RM70k PBB Quantum.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. |
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May 20 2019, 07:04 PM
Show posts by this member only | IPv6 | Post
#3047
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Junior Member
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? 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?Thanks! 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) 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 |
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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? 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. 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. 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. |
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May 20 2019, 11:39 PM
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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. |
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May 21 2019, 11:21 AM
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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 ) still good after revision2. 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. This post has been edited by digimon09: May 21 2019, 11:22 AM |
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May 22 2019, 08:42 PM
Show posts by this member only | IPv6 | Post
#3051
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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 |
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May 23 2019, 11:07 AM
Show posts by this member only | IPv6 | Post
#3052
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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. |
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May 23 2019, 09:01 PM
Show posts by this member only | IPv6 | Post
#3053
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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? |
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May 24 2019, 04:05 AM
Show posts by this member only | IPv6 | Post
#3054
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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 only AEON approved lol guest I'm stuck with AEON CC for next 1-2 year i think |
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May 24 2019, 07:41 AM
Show posts by this member only | IPv6 | Post
#3055
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Senior Member
2,600 posts Joined: Apr 2019 |
QUOTE(alpha91 @ May 23 2019, 09:01 PM) 1. Annual Income: RM60k. Since you already have M2C, it’s easier for you to add Maybank FCB.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? |
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May 24 2019, 07:42 AM
Show posts by this member only | IPv6 | Post
#3056
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Senior Member
2,600 posts Joined: Apr 2019 |
QUOTE(niglejcjr @ May 23 2019, 11:07 AM) 1. Annual Income: 60k Get M2C Platinum + FCB together.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. |
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May 24 2019, 07:44 AM
Show posts by this member only | IPv6 | Post
#3057
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Senior Member
2,600 posts Joined: Apr 2019 |
QUOTE(CyrusWong @ May 24 2019, 04:05 AM) fresh grad but with few months ptptn outstanding How long have you been working at current company? What is your monthly income?last month i sekaligus applied few banks (i only apply basic card) all getting rejected only AEON approved lol guest I'm stuck with AEON CC for next 1-2 year i think |
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May 24 2019, 07:46 AM
Show posts by this member only | IPv6 | Post
#3058
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Senior Member
2,600 posts Joined: Apr 2019 |
QUOTE(StarLightMe @ May 20 2019, 11:39 PM) 1. Annual Income: 36k ( Fresh grad ) M2C Amex is still one of the best cc.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. |
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May 24 2019, 09:52 AM
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Junior Member
188 posts Joined: Dec 2017 |
QUOTE(IzaakC @ May 22 2019, 08:42 PM) 1. Annual Income: RM33k After days of researching, it seems Maybank 2 Gold Cards is quite good to me. I still duno if: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 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 |
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May 24 2019, 09:54 AM
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All Stars
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: StanChart Just-one platinum, you need Boost to achieve minimum monthly spend >RM2500 to get RM85 CB.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 |
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