Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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 Nov 18 2020, 12:04 PM
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#61
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4,724 posts Joined: Jul 2013  
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QUOTE(Exeunt @ Nov 18 2020, 12:00 AM) can PB get cashback from paying oversea payment like spotify, youtube, etc ? i see. ok la, i find myself using ewallet abit more lately, to tapao and buy from kopitiam, so quantum master still useful.hardly dine more > 30, just small staff below 20 only..  and wave >RM30 for grocery should be easy. i try to plan my spending and exceed RM30 lo. |
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Nov 26 2020, 05:47 PM
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#62
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4,724 posts Joined: Jul 2013
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QUOTE(Zenph @ Nov 25 2020, 10:24 PM) Guys, currently I have a citibank credit card which I gotten from my full time job (48k salaary per annum) but recently I resigned to pursue my business full time (2 years running already) You are too transparent with the nett profit numbers. While i'm not an expert of those who do business, i believe from the perspective of the bank they just want to see that you have regular salary. the fact that you pay yourself a fixed amount every month is good enough proof. i assume when you pay yourself, it's like normal salary, got EPF and this and that la.2019 i paid around 30k tax. And recently i upgraded my company to SDN. BHD. And pay myself 10k per month. My company nett profit is around 800k per annum. I suck in cc management. Can I apply a better credit card from my business? Serious answer only and dont ask what business i do thanks. So usually, what the bank really want is proof of income in this case salary payslip, EPF contribution (sometimes BE form, maybe for those without fix income or commission based) will be good proof because you are paying yourself. hope this helps a tiny bit. |
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Nov 26 2020, 06:00 PM
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#63
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4,724 posts Joined: Jul 2013
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QUOTE(Zenph @ Nov 26 2020, 05:53 PM) So basically I just show my payslip (the one i paid myself) would do? Don't need to share any company info? You apply as an individual right? So yes lo, that's it lo. To put in perspective, if you apply a business loan using your company, then yes la, bank want to know your company punya financial status. But you apply housing loan which is for your own use, then no need show company information lo. Btw, me really not expert, but this forum got insurance agent, but never see card sales person. Lol |
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Dec 2 2020, 09:25 AM
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#64
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4,724 posts Joined: Jul 2013
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QUOTE(Zenph @ Nov 30 2020, 11:41 AM) Good morning, everyone! Can help to recommend CC? Maybank 2 premier. Get MU visa inifinite along with amex when you apply. 1. Annual Income: ~RM120k per annum (gross) 2. Free Lifetime Annual Fee: Free/waived is best 3. Card required for: I want to collect points so I can sit business class when travelling 😍 4. Existing credit cards (if any): Citibank 5. Interested in CC from: Open for suggestions Thank you very much biggrin.gif QUOTE(magiclover0716 @ Dec 1 2020, 05:04 PM) 1. Annual Income: 48k My vote goes to pb quantum. The petrol part is abit tricky may need another medium like ewallet to enjoy additional cashback. 2. Free Lifetime Annual Fee: Annual fee can be waived is the best 3. Card required for: Cashback, Shell (Petrol), Spotify, Insurance (AIA), Phone bill, TNB, GrabPay and TnG wallet, occasional dine in Should be around 600 and above for total spending 4. Existing credit cards (if any): Nil. 5. Interested in CC from: Going through all the post, seems like PB quantum or Affin Duo would be the best. But I would only like to apply one now first. 6. Others: Thanks alot in advance! Pb quantum reload to tng ewallet, ewallet pay petrol. Or unlesss got way to wave petrol. Qunatum visa can use for dine in if >rm30, just remember to wave. |
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Dec 2 2020, 01:12 PM
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#65
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(magiclover0716 @ Dec 2 2020, 10:25 AM) Is auto billing with telco/tnb/spotify eligible for CB? i generally manually pay my tnb and telco la, which is why my vote went to PB quantum. it's up to you if you are willing to manually do it (it does require more work and discipline of course). else what grumpy say will be better.This post has been edited by adele123: Dec 2 2020, 01:14 PM |
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Dec 6 2020, 11:10 AM
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#66
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4,724 posts Joined: Jul 2013
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QUOTE(linuss @ Dec 6 2020, 06:17 AM) Hey guys, kindly suggest best cashback credit card please. Maybank 2 card amex 5%, weekends only but all transaction except certain categoryI'm heavy on petrol, dining & online transactions. Looking forward to everyone help! PB visa signature 6% PB quantum 5% Affin duo 3% online, e wallet |
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Dec 9 2020, 12:52 AM
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#67
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(Rliffy @ Dec 8 2020, 04:53 PM) Hey people, thank you for this thread, would like to have some recommendations Maybank visa signature is great for grocery. 5% cashback, everyday1. Annual Income: 70 ~ 75k 2. Free Lifetime Annual Fee: Best if waived 3. Card required for: In descending priorities -> Groceries (main spending), online shopping/ewallet, dining and bonus if airport lounge 4. Existing credit cards (if any): Nil 5. Interested in CC from: HSBC, Maybank, CIMB as I have bank account in all these three 6. Others: Thank you guys in advance! Maybank 2 amex gives 5% rebate on most spending on weekend. I use this card for grocery because i only do grocery on weekend and major grocery outlet accepts amex, like tesco, aeon big, aeon, giant, mydin, etc. The 5% cash rebate includes dining but many dining places dont accept amex. Public bank quantum 5% cash rebate for online and ewallet, and dining >rm30 (visa - paywave) This post has been edited by adele123: Dec 9 2020, 12:52 AM |
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Dec 9 2020, 01:51 PM
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#68
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4,724 posts Joined: Jul 2013
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QUOTE(SuXX325 @ Dec 9 2020, 12:04 PM) » Click to show Spoiler - click again to hide... « I will go for PBB quantum master for e-wallet top up and other online shopping. SuXX325 liked this post
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Dec 11 2020, 07:14 PM
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#69
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4,724 posts Joined: Jul 2013
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QUOTE(rainbow1227 @ Dec 9 2020, 11:49 PM) 1. Annual Income: 100k PB visa signature 6%2. Free Lifetime Annual Fee: Annual fee can be waived is the best 3. Card required for: Cashback, Insurance (Prudential) - RM1,000, Phone bill, TNB, Groceries (Hero & Aeon Big) Should be around RM2,000 for total spending. 4. Existing credit cards (if any): Nil. 5. Interested in CC from: Initially was considering Standard Chartered JustOne Platinum until I found out that the cashback earned will not be credited in the form of cash but only to be used to redeem items from the rewards catalogue. Now, looking at CIMB Cash Rebate Platinum seems 6. Others: I'm open to all suggestions! I just need one with the highest cashback for monthly auto-billing insurance payments - as this is the main purpose of getting the credit card. Thank you in advance! PB quantum 5% Maybank visa signature 5% Affin duo 3% Enjoy your research on these cards. % are based on certain spending only. Just one platinum cashback can be redeem to cash. You have beem misled. You just have to manually redeem it. Unlike most banks just auto it. But this is not the reason why i dont recommend scb cards rainbow1227 liked this post
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Dec 21 2020, 11:39 PM
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#70
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4,724 posts Joined: Jul 2013
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QUOTE(Stardust2197 @ Dec 21 2020, 02:07 AM) Hello sifus, I'm considering to apply for my first CC. Appreciate if you could shed some light Public bank quantum, affin duo cards. 1. Annual Income: RM 40K 2. Free Lifetime Annual Fee: Yes or auto waived 3. Card required for: Cashback, Mainly will be paying for Petrol, Phone bills, Spotify, PTPTN, Robo-investment, e-Wallet reloads, Utilities, and occasional dine in. (Total around RM1K - RM1.5K) 4. Existing credit cards (if any): Nil. 5. Interested in CC from: Citibank - Simplicity | HSBC | Public Bank - Quantum | Open for suggestions 6. Others: Preferably trying to maximize the benefits I could get. No point going for rewards card as chances of hitting target will be quite slim based on my usage. Decent sign up bonus would be an added advantage. Recently applied for Maybank 2 Gold online and got rejected without providing justifications on rejection and got frozen for 3 months, so Maybank is out of the option. Maybe cause you dont have any existing credit cards, so kena reject from mbb not entirely uncommon. There's always next time. Citibank simplicity does not provide actual benefits relevant to your spending. Not good. |
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Dec 26 2020, 03:08 PM
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#71
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4,724 posts Joined: Jul 2013
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QUOTE(struggleofnewbie @ Dec 25 2020, 03:32 PM) 1. Annual Income: RM30k Affin duo, maybank 2 amex2. Free Lifetime Annual Fee: Free/waived is best 3. Card required for: Household bills, phone bills, petrol, grocery, online shopping, dining, Netflix subscription (Mostly spend less than RM1k every month) 4. Existing credit cards (if any): Nope 5. Interested in CC from: Open for suggestion 6. Others: Looking for credit card to made installment payment and hoping to get some benefit like cash back or points using credit card for any transaction. Did some research and seems like too many to choose from so can make up my mind. QUOTE(keiru13 @ Dec 25 2020, 04:34 PM) 1. Annual Income: RM115k Affin duo2. Free Lifetime Annual Fee: Free/waived is best 3. Card required for: book hotel, buy flight, home appliance, furniture 4. Existing credit cards (if any): CIMB platinum (will terminate) 5. Interested in CC from: Open for suggestion 6. Others: Scb just one or scb liverpool Pb visa signature This post has been edited by adele123: Dec 26 2020, 03:49 PM |
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Dec 30 2020, 11:07 AM
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#72
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4,724 posts Joined: Jul 2013
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QUOTE(pizzaboyj @ Dec 28 2020, 03:15 PM) 1. Annual Income: RM120k+ PB VS2. Free Lifetime Annual Fee: Free or Auto Waived 3. Card required for: Groceries, Online Shopping, Travel, Dining 4. Existing credit cards (if any): Maybank 2x, UOB Visa Infinite 5. Interested in CC from: Preferably MBB to keep things in one place 6. Others: Read plenty about MBB Visa Signature, wondering if there is anything else that is worth looking up. Cashback is preferable but Premium Lounge would be a nice addon. Also I am looking to cancel my UOB Visa Infinite so this would be replacing it, fees are abit much IMO or MBB 2 premier (2nd year annual fee need to swipe RM80k to waive) |
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Dec 30 2020, 01:16 PM
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#73
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4,724 posts Joined: Jul 2013
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QUOTE(pizzaboyj @ Dec 30 2020, 01:06 PM) If purely CB alone? MBB VS is good if you want that petrol and grocery all year round.Anything else? Not so keen on that 80k to waive lol if want PPL access just MBB 2 Premier only. else PB VS is the most ppl's personal favourite provided they hit the income requirement lo. which you already hit. This post has been edited by adele123: Dec 30 2020, 01:16 PM |
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Jan 9 2021, 01:43 PM
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#74
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4,724 posts Joined: Jul 2013
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QUOTE(choomun @ Jan 8 2021, 09:46 PM) 1. Annual Income: RM40K and above. Apply both lo. But i will choose quantum over affin. 2. Free Lifetime Annual Fee: Yes please if possible. 3. Card required for: Cashback 4. Existing credit cards (if any): Nil. 5. Interested in CC from: Public Bank Quantum Visa/Mastercard, Affin Duo 6. Others: Please be specific. Example: Torn between the two as stated above as PBe offers higher 5% cashback while Affin Duo only gives 3%. But Affin Duo gives higher cap at RM80 instead of RM30 only (Pbe). Mainly to be used for paying ewallet, tnb/water bill, insurance and ptptn. Occasional online shopping and occasional retail/dining spending. Would it be harder to apply for these two cards when I have no previous credit records? Thanks in advance if got any advice. QUOTE(fangchin2 @ Jan 9 2021, 12:01 PM) Any CC can convert purchase into 0% instalment without restrictions like selected merchants only? Ocbc cash flo |
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Jan 11 2021, 09:24 AM
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#75
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(Zenith5229 @ Jan 9 2021, 01:46 PM) 1. Annual Income: RM 110k May i suggest you add PB VS to your PB cards then just remove PBB MC/Visa Platinum. since you already qualified for it. should go for it.2. Free Lifetime Annual Fee: Doesn't matter . 3. Card required for : would like recommendations from people with similar income to share their cc setups ie ; using A for x , B for y for maximum benefits etc . 4. Existing credit cards (if any): PBB MC/Visa Platinum , MB FCB VS , Citi CB , PBB quantum . 5. Interested in CC from: Currently applying for HL wise for the promotional cashback per 5 swipes . 6. Others : The pbb plat is not optimal for use but i keep it around as it is my oldest CC facility granted to me . i could cancel it depending on situation , im keeping the FCB for the moment as MB has wise installments usage plus i normally use it for sporadic big spends I use citi cb for its high but limited CB , since i cap the citi easily i recently got the quantum MC to reload ewallets and the visa to supplement my day to day spends with its easy to use 5% on contactless transactions . One of my other question is , can i use the Quantum MC to reload to bigpay and then use bigpay to fund transfer back to my bank account at an rm 0.50 fee to take advantage of the RM 30 cash back on online transactions ? one of the most used cards in the household for me. |
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Jan 11 2021, 09:55 PM
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#76
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(thinseng88 @ Jan 11 2021, 12:54 PM) My current annual income is about 70k in annual. i will cancel Stan chart, alliance, uob.Currently holding MBb2 Cards PBB quantum 2 cards Ocbc cashflo mastercard Standard chartered visa platinum Alliance visa platinum Uob yolo card I would like to seek advice for which of the above credit card is suitable for all kinds of transactions such as petrol grocery e wallet big purchase (to convert into installments) utilities insurance dining shopping etc etc, so that i can fully focus in 1 credit card without any hassle and provide straightforward benefit (cashback or rewards points) from these transactions if you really really just one card: i will go with ocbc cashflo If you dont mind cancel all cards and apply one card: i will go with Maybank barcelona or affin duo if you ok to segregate to 2 sets: PBB quantum 2 cards for whatever with cash back dining, insurance, ewallet, OCBC for the rest i guess if you ok to keep 3 sets, MBB, PBB, OCBC thinseng88 liked this post
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Jan 12 2021, 10:08 AM
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#77
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(thinseng88 @ Jan 12 2021, 09:49 AM) Thanks for your advice, which set will you go for? i'll keep 3 sets la. for me 3 set still ok. my muscle memory and brain trained for it. but some ppl like to accumulate to one set, so up to you. hopefully the points below help you train the muscle and brain. LOLpetrol, grocery (aeon big, giant, jaya, etc) use amex ewallet use quantum master dining, retail >RM30 and they dont accept amex use quantum visa buy big item use ocbc i guess? This post has been edited by adele123: Jan 12 2021, 10:09 AM |
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Jan 14 2021, 10:22 PM
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#78
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(LaiN87 @ Jan 14 2021, 09:35 PM) So in this case you would recommend OCBC Cashflo? not against it la... plus OCBC can convert to 0% installment not a bad idea la. if you dont want new bank, consider liverpool. they are changing the benefit to be like barcelona, but exclude more things like petrol and insurance and etc. if you really want to apply back Barcelona, pretty sure Maybank welcome you. i wont mind doing it if i were you, usually human just malas. and other bank like to give free gift. |
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Jan 26 2021, 06:28 PM
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#79
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(moumoumou @ Jan 26 2021, 12:57 AM) 1. Annual Income: > 36k I would still recommend a card like MBB Barcelona. the 1% cashback is capped at RM50, i assume your "few thousand" a month is less than 5k la. Similarly there's liverpool card from Stan chart, similar 1% but may have exclusions in different categories. 2. Free Lifetime Annual Fee: Preferred 3. Card required for : I'm a Shopee seller and I spend a few thousand a month to advertise on the platform. I am thinking to accumulate some points this way since it's a monthly expense. Also will be good to build up my credit history for future usage as well. 4. Existing credit cards (if any): None 5. Interested in CC from: Any bank 6. Others: No experience with credit card whatsoever. Am thinking of getting a recommendation for a miles card to accumulate points since cashback/rebates are not attractive to me with their monthly cap limits. if want to accumulate points, can consider Alliance Plat / VI, the new cards but maybe others have better point cards to recommend |
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Feb 14 2021, 03:06 PM
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#80
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(teop @ Feb 5 2021, 02:47 PM) » Click to show Spoiler - click again to hide... « QUOTE(Oklahoma @ Feb 13 2021, 05:36 PM) 1. Annual Income: 70k, or 6k/month Pbb quantum2. Free Lifetime Annual Fee: Free/with swipe/can waive 3. Card required for: - E-wallet reloads (Grab, Tng, Boost) - Petrol - internet (Celcom and TIME internet) 4. Existing credit cards (if any) : hsbc visa signature (best conversion to airmiles for this income range i think, and 6x premium lounge). 5x points for online and retail purchase at partner malls. 5. Interested in CC from: ANY 6. Others: looking for better cc, for cashback, and best airmiles conversion (if have) QUOTE(patricktoh @ Feb 13 2021, 05:37 PM) Hi sifu, Mbb 2 card premier if you can push it to 80k a year. forgot important caveat but great for travelling once covid settledNeed some recommendations here. I have decided to get rid of Citibank that been with me for > 20 years. For the last 5 years on average I spent > 60K per annum and full repayment every month. What I am not happy with is last year they rejected fee waiver request for the first time. They deducted 80,000 points to contra the balance RM200 annual fee (Rewards card annual fee is RM600, they gave 50% discount + extra RM100 as token of loyalty) 1. Annual Income: above Citi Prestige income requirement 2. Free Lifetime Annual Fee: I am ok with spend and waive. Average spending on CC > 60k a year 3. Card required for: Auto-debit (utility, insurance), college tuition fee, grocery, e-wallet reload, traveling 4. Existing credit cards (if any) : CB Rewards Master (>10 years - primary card - to be replaced), SCB Visa Plat (>10 years - little to no usage), UOB One Plat (>10 years - petrol only) 5. Interested in CC from: SCB or UOB Travel Mastercard card only. 6. Others: Earn airmiles, lounge access 7. I do not need many CC. Just one Visa and one Master from 2 different banks is good enough for me. No point paying extra service tax to gov. QUOTE(TheSouthFace @ Feb 14 2021, 08:23 AM) Would appreciate your input here. I’m working overseas and from my understanding, I have to check with the bank if they would accept. Public bank visa signature, mbb visa signature, mbb 2 card premier.Reasons to apply credit card is so I can give my parents to use, mainly buying groceries/ bills and to build my credit score. 1. Annual Income: >rm150k 2. Free Lifetime Annual Fee: Good to have. 3. Card required for: Groceries and bills/ utilities 4. Existing credit cards (if any): Nil 5. Interested in CC from: Maybank since I have a saving account with Maybank, that would probably make it easier to apply? 6. Others: Thanks guys This post has been edited by adele123: Feb 15 2021, 03:18 PM |
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