Recommendation for Credit Cards V4

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

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sterogue35	May 1 2017, 09:00 PM Show posts by this member only \| Post #501
New Member Newbie 3 posts Joined: May 2017	QUOTE(DarReNz @ May 1 2017, 07:46 PM) you can apply for public bank VS Overseas income • 3 months payslips • Employment Letter I have all the documents but in local language. Should I translate them by myself or hire an official translator or should I just provide all the photocopy as it and the bank will fix it themselves? thanks.
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Jupiter Pirate	May 2 2017, 07:47 AM Show posts by this member only \| Post #502
New Member Junior Member 22 posts Joined: Jul 2015	1. Annual Income: RM50k 2. Free Lifetime Annual Fee: Prefer no 3. Card required for monthly bills: TIME internet - RM160 Water and TNB - RM100 Hotlink - RM70 Groceries - RM700 Touch n Go - RM200 PTPTN - RM300 4. Existing credit cards (if any): CIMB Cash Rebate 5. Interested in CC from: - 6. Others: - Any way to maximise my bill payment through CC? Noticed that the new PB Quantum card allows me pay for my PTPTN & Time bill and get 5% cashback, which are the highest bill payments I have.. any help appreciated
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fly126	May 2 2017, 08:53 AM Show posts by this member only \| Post #503
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(Jupiter Pirate @ May 2 2017, 07:47 AM) 1. Annual Income: RM50k 2. Free Lifetime Annual Fee: Prefer no 3. Card required for monthly bills: TIME internet - RM160 Water and TNB - RM100 Hotlink - RM70 Groceries - RM700 Touch n Go - RM200 PTPTN - RM300 4. Existing credit cards (if any): CIMB Cash Rebate 5. Interested in CC from: - 6. Others: - Any way to maximise my bill payment through CC? Noticed that the new PB Quantum card allows me pay for my PTPTN & Time bill and get 5% cashback, which are the highest bill payments I have.. any help appreciated Maybank 2Cards (Good on PTPTN) » 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 per customer (including Supp Card member) per 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 Yes, Maybe Citibank Card Privileges (Offer or Promo) + Evergreen Rewards Point No Expired which are their Perks an Undeniable Temptation to some of us here, but however most of the Citibank CC do come with an Annual Fee. Ya, You may Request Annual Fee Waiver from Citibank Every Year but Sometimes also Subject to their Approval, they give or not... Meanwhile, Maybank 2Cards will Benefiting U with 2 cards, Maybankard 2 American Express® Card & Maybankard 2 Visa / MasterCard, in 1 Sign up, and 1 Statement plus, the MBB 2 Cards also is Lifetime Fee Waiver with NO T&C's Applied on :thumbsup: 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 [color=purple]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 Although the their Treats Point do come with 3 Years Expiration Period but it may even Better than Citibank CC just Plain RM1 /1 Rewards Point. Somemore, FYI... NO Point will be Rewarded on Petrol Purchase with Most of the Citi's Credit Card https://www.citibank.com.my/ICARD/subapp/re...rewards-tnc.pdf You may also Consider with, SCB Cash back Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good with PTPTN Payment. It's more like your Misc. Card. https://www.sc.com/my/credit-cards/goldcard/gold-card.html MBB Ikhwan MC- 5% CB on Groceries, Petrol Spend Every Fri, Sat. This post has been edited by fly126: May 2 2017, 09:32 AM
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HarpArtist	May 3 2017, 09:07 AM Show posts by this member only \| IPv6 \| Post #504
Look at all my stars!! Senior Member 3,838 posts Joined: Sep 2013	Any Cc that gives good rebate for LHDN payments? Above 5 figure amount.
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fly126

May 3 2017, 09:40 AM

Show posts by this member only | Post #505

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(HarpArtist @ May 3 2017, 09:07 AM)

Any Cc that gives good rebate for LHDN payments? Above 5 figure amount.

Alliance You:nique - RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap).

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

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donhay	May 3 2017, 10:02 AM Show posts by this member only \| Post #506
Enthusiast Junior Member 722 posts Joined: Apr 2008	after many years in singapore, now I back in KL. I am not working in KL at the moment, my income is from my singapore property rental. Can I still apply for a malaysian credit card? Which bank please? prefer with no annual fees. Thanks
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jay2you	May 3 2017, 04:16 PM Show posts by this member only \| Post #507
Casual Junior Member 403 posts Joined: May 2010	Any recommend card for petrol (shell) except Maybank 2 Card? MB keep reject my application. * Currently only holding CIMB CB card. This post has been edited by jay2you: May 3 2017, 04:16 PM
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fly126	May 3 2017, 04:27 PM Show posts by this member only \| Post #508
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(jay2you @ May 3 2017, 04:16 PM) Any recommend card for petrol (shell) except Maybank 2 Card? MB keep reject my application. * Currently only holding CIMB CB card. Either UOB One Card or Citibank CB Card only....
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jay2you	May 3 2017, 04:57 PM Show posts by this member only \| Post #509
Casual Junior Member 403 posts Joined: May 2010	QUOTE(fly126 @ May 3 2017, 04:27 PM) Either UOB One Card or Citibank CB Card only.... Citibank got annual fees and the cap is lesser. Seems like need to choose UOB One Card though. Might give it a try.
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ivzh	May 3 2017, 10:42 PM Show posts by this member only \| Post #510
On my way Senior Member 668 posts Joined: Mar 2006	Hi any recommended Credit card for great eastern insurance bill? Monthly 1800 for rebate. annual income >100k
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SzeMeng76	May 3 2017, 10:54 PM Show posts by this member only \| Post #511
Look at all my stars!! Senior Member 2,318 posts Joined: Dec 2012	QUOTE(ivzh @ May 3 2017, 10:42 PM) Hi any recommended Credit card for great eastern insurance bill? Monthly 1800 for rebate. annual income >100k can try Standard Chartered Justone Cashback Platinum, im using for paying insurance (auto debit) https://www.sc.com/my/campaign/justone-platinum/
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fly126	May 4 2017, 12:13 PM Show posts by this member only \| IPv6 \| Post #512
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(realitec @ May 4 2017, 11:12 AM) Hi All, I am new to LowyatNet. Glad to meet you all. Kindly advise which credit card should I apply for with details as follows: 1)Salary = 25k per annum 2)Single 3)Debt = PTPTN cost me RM159.72 per month and recently bought handphone from Aeon instalment RM134 for 2 years. 4)Usually do online shopping, travel (If there is any better cash back credit card) Thank you. If I am posting in wrong thread, moderator could direct me to the correct place and delete this post. Thank you and awaiting for favorable reply. It might be a Problem to apply CC if you got PTPTN Debts... CIMB Cash Rebate MC.
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realitec	May 4 2017, 12:47 PM Show posts by this member only \| Post #513
Emiko for life~ Senior Member 2,934 posts Joined: May 2017 From: Labuan Federal Territory	QUOTE(fly126 @ May 4 2017, 12:13 PM) It might be a Problem to apply CC if you got PTPTN Debts... CIMB Cash Rebate MC. Thanks fly126, I will do research on CIMB Cash Rebate MC.
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haha89	May 4 2017, 01:58 PM Show posts by this member only \| Post #514
Getting Started Junior Member 62 posts Joined: Jul 2007	Hi All, 1. Annual Income: RM100K and above. 2. Free Lifetime Annual Fee: Yes could be better. 3. Card required for: a) Petrol - Monthly Spend around RM600 b) Facebook advertisement cost - Monthly Spend around RM3000 - Any card can have cash rebate for this field? 4. Existing credit cards (if any): HLB wise card only 5. Interested in CC from: I have no idea, too a lot card, don't know which 1 suit me 6. Others: Kindly please advise, especially the advertisement cost, if have any card can accpet for the cash rebate will be good for me. Thanks a lot
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fruitie	May 4 2017, 03:40 PM Show posts by this member only \| Post #515
Rise and Shine Staff 72,791 posts Joined: Sep 2005 From: KUL	QUOTE(realitec @ May 4 2017, 12:47 PM) Thanks fly126, I will do research on CIMB Cash Rebate MC. If no missed payment for PTPTN, you will still have chance to apply credit cards.
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ChiaW3n	May 4 2017, 03:50 PM Show posts by this member only \| Post #516
Look at all my stars!! Senior Member 3,733 posts Joined: Apr 2010	1. Annual Income: RM50k 2. Free Lifetime Annual Fee: A Must 3. Card required for: List all your needs. Petrol 4. Existing credit cards (if any): I am currently using, MBB2C, UOB One Card and Lady's Card and a normal HSBC Platinum. 5. Interested in CC from: 1. I am thinking wanted to terminate both UOB cards, find it not much CB and benefits. 2. Thinking want to convert to M2C to Maybank Ikhwan Card or not. Hopefully i can get some useful tips here, thank you :bow: :bow:
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realitec	May 4 2017, 04:17 PM Show posts by this member only \| Post #517
Emiko for life~ Senior Member 2,934 posts Joined: May 2017 From: Labuan Federal Territory	QUOTE(fruitie @ May 4 2017, 03:40 PM) If no missed payment for PTPTN, you will still have chance to apply credit cards. Noted. I guess I ever late, but I still pay. As my graduation is on December 2015, I should have given a chance to pay on June 2016. But I pay early on April. Hope everything goes fine. I applied for the above credit card and HL Essential.
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fly126

May 4 2017, 06:37 PM

Show posts by this member only | Post #518

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(haha89 @ May 4 2017, 01:58 PM)

Hi All,

1. Annual Income: RM100K and above.

2. Free Lifetime Annual Fee: Yes could be better.

3. Card required for:

a) Petrol - Monthly Spend around RM600
b) Facebook advertisement cost - Monthly Spend around RM3000 - Any card can have cash rebate for this field?

4. Existing credit cards (if any): HLB wise card only

5. Interested in CC from: I have no idea, too a lot card, don't know which 1 suit me

6. Others: Kindly please advise, especially the advertisement cost, if have any card can accpet for the cash rebate will be good for me. Thanks a lot

Alliance You:nique - RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap).

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

PBB Visa Signature (6% Cash Back on Grocery, Dining and Online Transaction, 6% Cash Rebate is capped at RM50 per month per principal account equivalent to RM833.33 spend)

CIMB Cash Rebate Mastercard

» Click to show Spoiler - click again to hide... «

Also, may consider with Maybank 2 Cards

» Click to show Spoiler - click again to hide... «

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fly126	May 4 2017, 06:50 PM Show posts by this member only \| Post #519
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(ChiaW3n @ May 4 2017, 03:50 PM) 1. Annual Income: RM50k 2. Free Lifetime Annual Fee: A Must 3. Card required for: List all your needs. Petrol 4. Existing credit cards (if any): I am currently using, MBB2C, UOB One Card and Lady's Card and a normal HSBC Platinum. 5. Interested in CC from: 1. I am thinking wanted to terminate both UOB cards, find it not much CB and benefits. 2. Thinking want to convert to M2C to Maybank Ikhwan Card or not. Hopefully i can get some useful tips here, thank you :bow: :bow: You can Try to apply MBB Ikhwan MC 1st If you have rejected on Ikhwan try request Split CL from M2C by write in an Appeal Letter to Them (mbbcardservices@maybank.com.my), macam in... » Click to show Spoiler - click again to hide... « QUOTE Dear Sirs, Re: Maybank Ikhwan MasterCard Rejection (Appeal) I write with reference to my recent application for a credit card facility provided by Maybank, and your subsequent refusal of the facility. I fulfilled ALL the requirements as stated to get the Maybank Islamic Ikhwan MasterCard and there are absolute NO reason for Maybank to reject my application based on my records alone. Furthermore, I am a good paymaster for all my other credit cards & Loan as seen from the scanned copy of the CCRIS that I had attached. I was not blacklisted for anything and you could verify with CTOS if you need to. As a loyal Customer more than 10 years to Maybank, I would like to appeal your decision because I feel I have underlying facts that would make you reconsider. I trust my appeal will be looked at more favorably than my original application. Therefore, I also express the Wiliness to Split Off 50% Credit Limit from My Maybank 2Cards, in Order to have this Great Fantastic Card Please spend a few moments looking at the additional information attached with my appeal. In the meantime, I look forward to your response, hopefully with better news than last time. Thanks Lxx xx:xxx:xxx (IC no.xxxxxxxxx) QUOTE(ChiaW3n @ May 4 2017, 01:26 PM) I just come across this card, can we have the comparison with Ikhwan and M2C? MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month Maybank 2 Cards - also Good on PTPTN » 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 per customer (including Supp Card member) per 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 Yes, Maybe Citibank Card Privileges (Offer or Promo) + Evergreen Rewards Point No Expired which are their Perks an Undeniable Temptation to some of us here, but however most of the Citibank CC do come with an Annual Fee. Ya, You may Request Annual Fee Waiver from Citibank Every Year but Sometimes also Subject to their Approval, they give or not... Meanwhile, Maybank 2Cards will Benefiting U with 2 cards, Maybankard 2 American Express® Card & Maybankard 2 Visa / MasterCard, in 1 Sign up, and 1 Statement plus, the MBB 2 Cards also is Lifetime Fee Waiver with NO T&C's Attached On... 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 Although the their Treats Point do come with 3 Years Expiration Period but it may even Better than Citibank CC just Plain RM1 /1 Rewards Point. Somemore, FYI You Wont get any Rewards Point from Petrol Purchase with Most of the Bank's Credit Card. https://www.citibank.com.my/ICARD/subapp/re...rewards-tnc.pdf This post has been edited by fly126: May 4 2017, 08:04 PM
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CrestFallen666	May 4 2017, 06:50 PM Show posts by this member only \| Post #520
New Member Junior Member 6 posts Joined: Apr 2016 From: Cyberjaya/Puchong	1. Annual Income: RM24K to RM30K 2. Free Lifetime Annual Fee: A Must or with minimum number of swipes or less than MYR 2.4k per year 3. Card required for: Petrol and Cash Back/Rebate Only 4. Existing credit cards (if any): Nil. 5. Interested in CC from: AFFIN BHPetrol and UOB One 6. Others: already tried for MBB Ikhwan Petronas but not successful due to my annual income. Thank you in advance.
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