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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 May 19 2017, 10:29 AM
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All Stars
65,283 posts Joined: Jan 2003 
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QUOTE(chonghe @ May 19 2017, 09:45 AM) where is the website actually shows the acquisition promo? i already given the promo link abovebecause https://www.ocbc.com.my/personal-banking/Ca...cards_365Master doesn't show this  https://www.ocbc.com.my/assets/pdf/Cards/tn...romo_060916.pdf it can be found in main credit card page  |
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May 19 2017, 01:39 PM
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Senior Member
853 posts Joined: Apr 2017 
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QUOTE(cybpsych @ May 19 2017, 10:29 AM) i already given the promo link above sorry I miss that. I expect to see the webpage showing RM88 rebate in big font or things like that, turns out to be only a pdfhttps://www.ocbc.com.my/assets/pdf/Cards/tn...romo_060916.pdf it can be found in main credit card page |
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May 20 2017, 12:58 PM
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Junior Member
60 posts Joined: Dec 2008
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Hi all, I'm using citibank cashback for petrol getting 5% rebate at any petrol station anytime capped RM50/month. Any credit card better than this for petrol?
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May 20 2017, 01:01 PM
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All Stars
14,082 posts Joined: Aug 2009 From: Malaysia
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QUOTE(dino2sky @ May 20 2017, 12:58 PM) Hi all, I'm using citibank cashback for petrol getting 5% rebate at any petrol station anytime capped RM50/month. Any credit card better than this for petrol? MBB Ikhwan - 5% petrol capped on Friday SaturdayMBB petronas ikhwan - 8% at petronas MBB Amex - 5% on everything capped on Saturday Sunday MBB Visa Signatures - 5% everyday but minimum spending of 30k to waive AF Citibank Shell - 8% cb at shell? |
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May 20 2017, 02:18 PM
Show posts by this member only | IPv6 | Post
#625
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Junior Member
986 posts Joined: Mar 2011
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QUOTE(dino2sky @ May 20 2017, 12:58 PM) Hi all, I'm using citibank cashback for petrol getting 5% rebate at any petrol station anytime capped RM50/month. Any credit card better than this for petrol? I thought Citi Cash Back petrol cap at following:-5% CB - Limited to a monthly rebate of RM15 (Cash Back) / RM20 (Cash Back Platinum) |
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May 20 2017, 03:32 PM
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Senior Member
717 posts Joined: Jun 2012
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QUOTE(fly126 @ May 17 2017, 01:07 AM) MBB 2 Cards- 5% CB at Weekends on Everything spend Let say I apply for MBB Ikhwan...do I get TP if spending on motorcycle/car shop for accessories and maintenance, or buying home appliances at Giant/Tesco???or MBB Ikhwan MC- 5% CB on Groceries & Petrol spend every Fri, Sat. |
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May 20 2017, 04:05 PM
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All Stars
14,082 posts Joined: Aug 2009 From: Malaysia
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QUOTE(Abk92 @ May 20 2017, 03:32 PM) Let say I apply for MBB Ikhwan...do I get TP if spending on motorcycle/car shop for accessories and maintenance, or buying home appliances at Giant/Tesco??? Motor shop = YesGiant Tesco = if get CB means no points, I think. Anyways, at the rate of 1 to 1 treat points, it will take you forever to redeem anything bro.... To gather treat points, you'll need the M2C Amex / M2P Amex reserve / Mbb World MasterCard...... |
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May 20 2017, 04:14 PM
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Senior Member
4,404 posts Joined: Jun 2012  
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QUOTE(Abk92 @ May 20 2017, 03:32 PM) Let say I apply for MBB Ikhwan...do I get TP if spending on motorcycle/car shop for accessories and maintenance, or buying home appliances at Giant/Tesco??? Yes, RM1= 1Tp for Other Spend (Except 0 Points at Government Bodies). As long you Spend at Tesco or Giant you will 5%CB, 0 Tp |
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May 21 2017, 09:38 AM
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Junior Member
60 posts Joined: Dec 2008
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QUOTE(wym6977 @ May 20 2017, 02:18 PM) I thought Citi Cash Back petrol cap at following:- Really? Long time did not check my statement. Sobs5% CB - Limited to a monthly rebate of RM15 (Cash Back) / RM20 (Cash Back Platinum) |
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May 21 2017, 11:01 AM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(realitec @ May 19 2017, 08:03 AM) 1. Annual Income: RM24K Actually having salary of RM24,000 p.a with PTPTN Commitment is NOT Preference for other Bank to approve you another Credit card, if they give also will come with very low CL maybe Rm3-4K only.2. Free Lifetime Annual Fee: Can be waived upon 12 swipes 3. Card required for: Cash Back, and to purchase installment with 0% interest with SenHeng 4. Existing credit cards (if any): Hong Leong Essential Card 5. Interested in CC from: Public Bank Credit Card 6. Others: I am paying ptptn RM159.72 per month. Currently never missed any payment. Thank you and looking for favorable replies  Anyway, you also can get 0% Installment plan up to 36 months from Seng-Heng or Seng Q with Your HLB Card. https://www.hlb.com.my/main/promotion/20161221-001-sengheng This post has been edited by fly126: May 22 2017, 01:52 AM |
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May 21 2017, 07:43 PM
Show posts by this member only | IPv6 | Post
#631
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All Stars
65,283 posts Joined: Jan 2003
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QUOTE(cybpsych @ Jul 10 2015, 07:43 PM) Announcement: Revision Of Terms And Conditions, Benefits And Privileges For Citi Cash Back Card And Citi Cash Back Platinum Card Effective 3 August 2015 Source: https://www.citibank.com.my/global_docs/pdf/citicashback.pdf New Terms and Conditions effective 3 August 2015 Citi Cash Back Credit Card Terms and Conditions  QUOTE(dino2sky @ May 21 2017, 09:38 AM) Really? Long time did not check my statement. Sobs it was announced back in July 2015  took you nearly 2 year to realize the change  |
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May 21 2017, 08:16 PM
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Senior Member
582 posts Joined: Sep 2004 From: K.L & Sg Petani 
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I already have maybank ikhwan. Recently i applied for maybank2cards but was not approved. Anyone know why?
I always pay my bill on time. Is this why they did not approve, because they they dont earn any interest from me? |
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May 21 2017, 08:18 PM
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Staff
72,804 posts Joined: Sep 2005 From: KUL 
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QUOTE(sani_2020 @ May 21 2017, 08:16 PM) I already have maybank ikhwan. Recently i applied for maybank2cards but was not approved. Anyone know why? Try appealing again. How did you apply by the way? Online or walk in?I always pay my bill on time. Is this why they did not approve, because they they dont earn any interest from me? This post has been edited by fruitie: May 21 2017, 08:19 PM |
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May 21 2017, 11:11 PM
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Junior Member
60 posts Joined: Dec 2008
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QUOTE(cybpsych @ May 21 2017, 07:43 PM) it was announced back in July 2015 It could be never exceeded the capped that's why never realized it. LOL! Anyway, thanks for the confirmation took you nearly 2 year to realize the change |
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May 22 2017, 03:48 PM
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Junior Member
364 posts Joined: Mar 2016
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Hi
1. Annual Income: RM36K to RM50K. 2. Free Lifetime Annual Fee: Yes (preferably). 3. Card required for: (in terms of priority) 1. Petrol, Cash Back/Rebate, Groceries; 2. Online Shopping/Utilities/Mobile/Dining; 3.Others/Entertainment/Departmental Stores. 4. Existing credit cards (if any): CIMB Cash Rebate Platinum MasterCard; Maybankard 2 Gold Cards. 5. Interested in CC from: All banks 6. Others: N/A I'm looking at the Maybank Islamic MasterCard Ikhwan Gold Card atm. Is there any other card that I should be aware of? Appreciate the responses. Also I'm not sure if this is the appropriate place to ask, will the credit card application be subjected to my DSR/CCRIS records? I have been paying my credit cards bills and all other relevant loans in full, but I'm worried that due to my very high DSR I'll not be able to be successful in my cc application. I just wish to get another card to fit my requirements so that I can maximise my savings. |
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May 22 2017, 03:55 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(timo1003 @ May 22 2017, 03:48 PM) Hi PBB Quantum cars (2 cards).1. Annual Income: RM36K to RM50K. 2. Free Lifetime Annual Fee: Yes (preferably). 3. Card required for: (in terms of priority) 1. Petrol, Cash Back/Rebate, Groceries; 2. Online Shopping/Utilities/Mobile/Dining; 3.Others/Entertainment/Departmental Stores. 4. Existing credit cards (if any): CIMB Cash Rebate Platinum MasterCard; Maybankard 2 Gold Cards. 5. Interested in CC from: All banks 6. Others: N/A I'm looking at the Maybank Islamic MasterCard Ikhwan Gold Card atm. Is there any other card that I should be aware of? Appreciate the responses. Also I'm not sure if this is the appropriate place to ask, will the credit card application be subjected to my DSR/CCRIS records? I have been paying my credit cards bills and all other relevant loans in full, but I'm worried that due to my very high DSR I'll not be able to be successful in my cc application. I just wish to get another card to fit my requirements so that I can maximise my savings. |
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May 22 2017, 06:03 PM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(timo1003 @ May 22 2017, 03:48 PM) Hi Ya, ALL U need jz 2+2 = 4 1. Annual Income: RM36K to RM50K. 2. Free Lifetime Annual Fee: Yes (preferably). 3. Card required for: (in terms of priority) 1. Petrol, Cash Back/Rebate, Groceries; 2. Online Shopping/Utilities/Mobile/Dining; 3.Others/Entertainment/Departmental Stores. 4. Existing credit cards (if any): CIMB Cash Rebate Platinum MasterCard; Maybankard 2 Gold Cards. 5. Interested in CC from: All banks 6. Others: N/A I'm looking at the Maybank Islamic MasterCard Ikhwan Gold Card atm. Is there any other card that I should be aware of? Appreciate the responses. Also I'm not sure if this is the appropriate place to ask, will the credit card application be subjected to my DSR/CCRIS records? I have been paying my credit cards bills and all other relevant loans in full, but I'm worried that due to my very high DSR I'll not be able to be successful in my cc application. I just wish to get another card to fit my requirements so that I can maximise my savings. (MBB 2 Cards + PBB 2 Quantum Visa/MC) = Can cover ALL your Daily Expenses liao...  Try This, Personal Financing Debt Service Ratio Calculator http://www.bankislam.com.my/home/calculato...tio-calculator/ This post has been edited by fly126: May 22 2017, 06:28 PM |
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May 22 2017, 06:49 PM
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Junior Member
364 posts Joined: Mar 2016
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QUOTE(laymank @ May 22 2017, 03:55 PM) PBB Quantum cars (2 cards). Thanks!QUOTE(fly126 @ May 22 2017, 06:03 PM) Ya, ALL U need jz 2+2 = 4 Thanks!(MBB 2 Cards + PBB 2 Quantum Visa/MC) = Can cover ALL your Daily Expenses liao... Try This, Personal Financing Debt Service Ratio Calculator http://www.bankislam.com.my/home/calculato...tio-calculator/ One more question, how about the 5% cashback offered to groceries purchases and petrol under the Maybank Ikhwan cc? Are they covered by the Maybank 2 cards and PBB Quantum 2 cards? Or do I use the Maybank 2 Amex card for those transactions instead? Cause my worry is the cashback available to the Amex card 'might' only be temporary, just like how it was only reintroduced back a couple of months ago after being removed and only limited to dining on weekends earlier.  I'm thinking too much? |
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May 22 2017, 08:31 PM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(timo1003 @ May 22 2017, 06:49 PM) Thanks! Only GOD knows, now jz "Taken for granted"... Thanks! One more question, how about the 5% cashback offered to groceries purchases and petrol under the Maybank Ikhwan cc? Are they covered by the Maybank 2 cards and PBB Quantum 2 cards? Or do I use the Maybank 2 Amex card for those transactions instead? Cause my worry is the cashback available to the Amex card 'might' only be temporary, just like how it was only reintroduced back a couple of months ago after being removed and only limited to dining on weekends earlier. I'm thinking too much? You may 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)or call CS (Credit Card Dept.), template like below, » Click to show Spoiler - click again to hide... « Jz Recapped, PBB Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. Maybank 2 Cards * 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. MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. This post has been edited by fly126: May 22 2017, 09:08 PM |
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May 22 2017, 09:25 PM
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Senior Member
854 posts Joined: Jan 2007
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hello all,
i might need to swipe my CC at overseas for retail transaction. it should be >5K. may i ask which card is giving best return (either point or cash rebate)? of course, need to consider the 'admin charges' applied on overseas transaction ,by the bank. thank you. |
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