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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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fruitie
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Mar 16 2017, 12:21 AM
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Rise and Shine
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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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fruitie
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Mar 16 2017, 11:55 AM
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Rise and Shine
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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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fruitie
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Mar 16 2017, 12:19 PM
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Rise and Shine
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QUOTE(kremlin @ Mar 16 2017, 12:16 PM) I have AEON GOLD and PBB VS .. Thought it is good enough for me. Only travel 2-3 times a year I would rather keep AmBank WMC than keeping AEON Gold now. 6x local PPL vs unlimited local and overseas PPL. Moreover the PosOnline payment for AEON is no longer available now, so it makes no justification to keep it further.
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fruitie
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Mar 16 2017, 01:06 PM
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Rise and Shine
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QUOTE(kremlin @ Mar 16 2017, 01:03 PM) Yes, regretted now.. I thought posonline issue is temporary. I will probably cancel AEON and reapply WMC If you just recently cancelled the WMC, can try to reinstating back the card.
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fruitie
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Mar 16 2017, 11:34 PM
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Rise and Shine
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QUOTE(shahruls @ Mar 16 2017, 08:26 PM) Just sign agreement hire purchase with public bank, they offer me credit card. My income 75k/year. Got maybank 2 card & maybank ikhwan. Which public bank credit card got online cash back and all day groceries, petrol cash back? Tq PBB Visa Signature is the best cash back card. It requires 100k per annum. Groceries, dining and online. No cash back for petrol though.
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fruitie
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Mar 17 2017, 11:49 AM
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Rise and Shine
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QUOTE(sms2u @ Mar 17 2017, 11:04 AM) best card? this card may be best for u and no necessary best for other. cos many factor. 1. eligible to apply. 2. convinient to make payment. 3. spending pattern 4. spending amount 5. characteristic / personality - some may prefer other like earn points instead of gain cash back Oops. I forgot to mention best for PBB. Oh yeah, thanks for stating the obvious.
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fruitie
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Mar 20 2017, 02:55 PM
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Rise and Shine
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QUOTE(quiver @ Mar 20 2017, 02:41 PM) If I want to bring another person to the Airport Lounges, do I need another credit card or can I use the ÆON BiG Visa Gold Card to redeem twice at one go? If I need another credit card, what would you recommend? If I add another ÆON card, I probably need to swipe 24 times total a year @ ÆON. Or should I look into Ambank Platinum instead? You need another card to sign another person in. Cannot swipe twice for 2 two persons. AmBank Plat is not a bad choice but only 2x entries. Good thing is you can apply supplementary card for this person and he/she also has 2x entries. Not difficult to attain 12x swipes of AEON cards if you know how.
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fruitie
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Mar 20 2017, 05:51 PM
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Rise and Shine
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QUOTE(quiver @ Mar 20 2017, 03:28 PM) Haha, I... don't think I know how. Teach me, sifu. xD ( edit2: Okay, found your advice from another thread haha = Pay your bill for RM 1*12 using UOBPayOnline.) ( edit: Also wow, up to three free-for-life supplementary cards with 2x entries. Thanks for sharing haha. Okay, have to consider this card also.) ===== Also, any advice regarding the utilities + insurance situation? Good that you will search in that thread  Just use Maybank2Cards AmEx and pay during weekends.
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fruitie
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Mar 21 2017, 02:54 PM
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Rise and Shine
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QUOTE(tianqi @ Mar 21 2017, 02:50 PM) 1. Annual Income: RM36k 2. Free Lifetime Annual Fee: Preferably 3. Card required for: Groceries (Mainly), Petrol, Utilities 4. Existing credit cards (if any): - 5. Interested in CC from: - Thank you for the help! If your usage for these three items are less than RM 1k, you can just apply Maybank2Cards and use the AmEx card during weekends to get 5% cash back. If you use a lot of Petronas, then can also apply Maybank Ikhwan Petronas Visa to get 8% cash back when you spend in Petronas on weekends.
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fruitie
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Mar 21 2017, 03:25 PM
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Rise and Shine
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QUOTE(camel90 @ Mar 21 2017, 03:15 PM) 1. Annual Income: RM30K to RM36K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol, Utility Bills, local airlines tickets, lastly as backup for any purchase I would want to use. 4. Existing credit cards (if any): NIL 5. Interested in CC from: would like to avoid KFH as my car is from KFH. 6. Others: none. Thank you for your kind help ! Maybank2Cards and use AmEx for 5% cash back during weekends.
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fruitie
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Mar 21 2017, 04:07 PM
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Rise and Shine
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QUOTE(Confession @ Mar 21 2017, 04:05 PM) Guys, one noob question, is there a limit of the credit card amount can one have ? Nope unless you are earning RM 36k and below per annum, you can only have two issuing banks' cards. This is as per BNM's regulation.
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fruitie
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Mar 21 2017, 04:21 PM
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Rise and Shine
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fruitie
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Mar 21 2017, 06:46 PM
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Rise and Shine
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QUOTE(Confession @ Mar 21 2017, 05:44 PM) Alright, noted on that, one more question, may I know when the statement will be sent , it is fixed for each bank at end of the month or we may choose for it ? Not fixed for banks. Some allow you to choose from their different dates, some have fixed statement date for all users.
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fruitie
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Mar 22 2017, 12:44 PM
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Rise and Shine
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QUOTE(camel90 @ Mar 22 2017, 11:06 AM) Hi Ms., I applied thru M2U for Mastercard Ikhwan and Amex Ikhwan instead. Will the Master Card Ikhwan have the same features as Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i ? If not then I should've have replaced the Mastercard with Visa then once I receive it  As mentioned earlier, it is different card. AmEx Ikhwan has no benefits...
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fruitie
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Mar 23 2017, 12:05 PM
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Rise and Shine
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QUOTE(Icona Pop @ Mar 23 2017, 10:16 AM) That need to be Maybank 2 cards premier right.. not gold or plat.. but cant use up to 80k per year for the waiver.. Maybank2Cards also can collect TP to convert to EM. On top of cash back if you spend on weekends.
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fruitie
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Mar 24 2017, 11:21 AM
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Rise and Shine
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QUOTE(Duckies @ Mar 24 2017, 11:04 AM) Hey guys I plan to book accomodation for vacation soon. Around 1k. Any credit card I can use to fully utilize this? Plan to book from Agoda. So far I can only think of Maybank 2 card AMEX on weekend. CIMB CR maybe? YOLO as well.
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fruitie
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Mar 24 2017, 11:50 AM
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Rise and Shine
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QUOTE(Duckies @ Mar 24 2017, 11:23 AM) Got rejected last time so couldn't get this card. So I am limited to Maybank 2 AMEX. CIMB CR consider that as online? Yes for sites like Booking.com, Agoda but you may be charged with 1% border charge. Else, apply for Quantum.
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fruitie
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Mar 24 2017, 11:53 AM
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Rise and Shine
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QUOTE(Duckies @ Mar 24 2017, 11:51 AM) Tak sempat dah haha. Going next 2 weeks adi so kena book now XD Just use AmEx for straightforward thingy.
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fruitie
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Mar 24 2017, 03:03 PM
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Rise and Shine
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QUOTE(hafizhans @ Mar 24 2017, 02:55 PM) any tered for PB quantum? want to know more details. i ady have cimb cr n mbb ikhwan. Still no thread. Discussion is still carried on this thread: https://forum.lowyat.net/index.php?showtopic=3802512Check out last few posts.
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fruitie
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Mar 28 2017, 02:42 PM
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Rise and Shine
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QUOTE(afify88 @ Mar 28 2017, 02:27 PM) Maybank Islamic MasterCard Ikhwan Gold Card(mastercard) vs Maybank Islamic PETRONAS Gold-i(visa) which one better if i just wanna use my card for petrol and monthly spend only 1k???  the mastercard got 5% cashback if using petronas only or valid for all petrol station?? MasterCard is for all, while Visa is for Petronas only.
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