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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-Aktan-	Jun 3 2017, 05:59 PM Show posts by this member only \| Post #701
2.6b dah masuk bro Senior Member 873 posts Joined: Dec 2009	QUOTE(chiahau @ Jun 3 2017, 05:52 PM) Maybank before 6. HLB gsc card is another option. Sorry, Maybank before 6 is before 6 PM ? Any specific card? Thanks.
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chiahau	Jun 3 2017, 06:23 PM Show posts by this member only \| Post #702
Fatthau StalKer All Stars 14,082 posts Joined: Aug 2009 From: Malaysia	QUOTE(-Aktan- @ Jun 3 2017, 05:59 PM) Sorry, Maybank before 6 is before 6 PM ? Any specific card? Thanks. Any maybank credit card would do actually. Before 6PM yes. I believe that's applicable to TGV.
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GloryKnight	Jun 5 2017, 10:36 PM Show posts by this member only \| Post #703
Regular Senior Member 1,770 posts Joined: Dec 2010 From: ~Where White Knights in Shining Armour Unite~	QUOTE(fly126 @ May 31 2017, 04:20 PM) PBB Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. CIMB CR MasterCard- 5% CB capped at RM30 per month However, NO CB earn on Flight Ticket Purchase. CIMB got Charge Cross Border transaction fees, PBB Doesn't... Thanks! Good tip
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realitec	Jun 6 2017, 08:06 AM Show posts by this member only \| Post #704
Emiko for life~ Senior Member 2,934 posts Joined: May 2017 From: Labuan Federal Territory	1. Annual Income: RM24K+ 2. Free Lifetime Annual Fee: A Must or 12swipes to waive. 3. Card required for: Petrol / PTPTN 4. Existing credit cards (if any): HLB Essential 5. Interested in CC from: Any bank as long as my application got approved 6. Others: Hope to get cash back on Petrol instead of points. However, would possible if you compare them points vs cash bank, which one is better.
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fly126

Jun 6 2017, 09:42 AM

Show posts by this member only | Post #705

Lousy One

Senior Member
4,404 posts

Joined: Jun 2012

QUOTE(realitec @ Jun 6 2017, 08:06 AM)

1. Annual Income: RM24K+

2. Free Lifetime Annual Fee: A Must or 12swipes to waive.

3. Card required for: Petrol / PTPTN

4. Existing credit cards (if any): HLB Essential

5. Interested in CC from: Any bank as long as my application got approved

6. Others: Hope to get cash back on Petrol instead of points. However, would possible if you compare them points vs cash bank, which one is better.

I) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

ii) Alliance You:nique: 0.5 - 3% CB from RM0 - RM3000 Spending, & also Good for PTPTN.
http://www.alliancebank.com.my/younique

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

HOW Alliance You:nique Cashback tier Works - 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).

So far how many Bank have rejected your Apps, already...???

This post has been edited by fly126: Jun 6 2017, 10:31 AM

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low yat 82	Jun 6 2017, 02:52 PM Show posts by this member only \| Post #706
time is nearing to end Senior Member 4,081 posts Joined: Aug 2005	1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol (main priorities), Free airport Lounge Access (optional) 4. Existing credit cards (if any): Cimb Platinum 5. Interested in CC from: before this interested wit aeon big CC but maciam petrol rebate kurang ummph 6. Others:- tq for help!
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fly126	Jun 6 2017, 03:09 PM Show posts by this member only \| Post #707
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(low yat 82 @ Jun 6 2017, 02:52 PM) 1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol (main priorities), Free airport Lounge Access (optional) 4. Existing credit cards (if any): Cimb Platinum 5. Interested in CC from: before this interested wit aeon big CC but maciam petrol rebate kurang ummph 6. Others:- tq for help! Maybank 2 Cards (Good on PTPTN) * 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. or MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. Aeon Big or Aeon Gold CC - 6x PPL Access p.a This post has been edited by fly126: Jun 6 2017, 03:12 PM
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ryder	Jun 7 2017, 08:46 AM Show posts by this member only \| Post #708
Ice Madness Senior Member 875 posts Joined: Jan 2006 From: The Obsidian Order	1. Annual Income: ~RM30K 2. Free Lifetime Annual Fee: Preferably 3. Card required for: Petrol , Grocery, Bils 4. Existing credit cards (if any): none. Only debit card 5. Interested in CC from: any also can, want to build up credit score. 6. Others:Applied Uob one card last month but rejected dunno why.
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chiahau	Jun 7 2017, 08:50 AM Show posts by this member only \| IPv6 \| Post #709
Fatthau StalKer All Stars 14,082 posts Joined: Aug 2009 From: Malaysia	QUOTE(ryder @ Jun 7 2017, 08:46 AM) 1. Annual Income: ~RM30K 2. Free Lifetime Annual Fee: Preferably 3. Card required for: Petrol , Grocery, Bils 4. Existing credit cards (if any): none. Only debit card 5. Interested in CC from: any also can, want to build up credit score. 6. Others:Applied Uob one card last month but rejected dunno why. Maybank 2 cards Amex for weekends. CIMB CR Rebate I don't think any other entry level cards would be suitable for you based on usage.
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low yat 82	Jun 7 2017, 10:03 AM Show posts by this member only \| Post #710
time is nearing to end Senior Member 4,081 posts Joined: Aug 2005	QUOTE(fly126 @ Jun 6 2017, 03:09 PM) Maybank 2 Cards (Good on PTPTN) * 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. or MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month. Aeon Big or Aeon Gold CC - 6x PPL Access p.a my annual income is let say at 60k any cards dat has cash back on petrol not onli on fri/sat?
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chiahau	Jun 7 2017, 10:35 AM Show posts by this member only \| IPv6 \| Post #711
Fatthau StalKer All Stars 14,082 posts Joined: Aug 2009 From: Malaysia	QUOTE(low yat 82 @ Jun 7 2017, 10:03 AM) my annual income is let say at 60k any cards dat has cash back on petrol not onli on fri/sat? Citibank CB Rebate - But got AF UOB One - 2% weekdays / 5% weekends
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fly126	Jun 7 2017, 10:39 AM Show posts by this member only \| Post #712
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(low yat 82 @ Jun 7 2017, 10:03 AM) my annual income is let say at 60k any cards dat has cash back on petrol not onli on fri/sat? UOB One Card & Citibank Cash-Back Card However, Both Cards do Come with AF... » Click to show Spoiler - click again to hide... « UOB One Card - Annual Fee: RM72.08 (One Card) RM178.08 (One Platinum Card) * Cash Rebate for petrol (Weekdays 1% / Weekends 5%) OR Wed. Special Petrol Rebate: 3% (1/7 - 30/9/2017) - Capped at RM500 for UOB ONE Platinum card and RM300 for UOB ONE Classic card per month * Cash Rebate for all spending on Groceries at AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant, ONLY (Weekdays 1% / Weekends 2%) - Capped at RM1,500 for UOB ONE Platinum card and RM1,000 for UOB ONE Classic card per month * Cash Rebate for major mobile service providers (Maxis, Digi and Celcom) (Weekdays 1% / Weekends 2%) - Capped at RM300 for UOB ONE Platinum card and RM200 for UOB ONE Classic card per month Cash Rebate for Golden Screen Cinemas (“GSC”) ticket counters for purchase of movie tickets (Weekdays 2% / Weekends 8%) http://www1.uob.com.my/personal/cards/cred...b_one_card.html Citibank CB / Platinum CC* Citibank Cash-Back Card (Income Requirement RM36k p.a) Annual Fee - RM120 + (6% GST) = RM127.20 Citibank Cash Back Platinum (Income Requirement $60k p.a) Annual Fee - $195 + (6% GST) = RM206.70 Cash Back: * 5% X for Petrol - Monthly capped at RM300 with Max.$15 Cash Back for Citibank Cash Back - Monthly capped at RM400 with Max.$20 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Major Mobile service providers (Maxis, Digi) [Unlimited Monthly Rebates with t&c, MUST Pay the Bill thru Citibank Online ONLY in-order to get Cash-back] * 2% X Cash Rebate on Groceries (AEON Big formerly known as Carrefour, Tesco, Cold Storage, Giant, Everise, Servay, Econsave & Mydin) - Monthly capped at RM1500 with Max.$30 Cash Back for Citibank Cash Back - Monthly capped at RM3000 with Max.$60 CB for Citibank Cash Back Plat. * 2% X Cash Rebate for Pharmacies (Guardian, Watson and Caring) [No Capping] * 0.2% X Cash Rebate for Others Spending [No Capping] Note: Cash Back Platinum in BLUE Citibank CB Only credit the cash back earned once you reach RM20 & If Cash Back < RM20 for a particular month, the total cash rebate amount will be carried forward to the following month. https://www.citibank.com.my/global_docs/pdf/citicashback.pdf FYI, Recapped... PETROL CC - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, UOB One, Citi CB Card. This post has been edited by fly126: Jul 10 2017, 07:52 PM
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low yat 82	Jun 7 2017, 10:45 AM Show posts by this member only \| Post #713
time is nearing to end Senior Member 4,081 posts Joined: Aug 2005	thnaks. guess im goin for uob. heard maciam boleh request for waiver after 1st year..
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SzeMeng76	Jun 7 2017, 10:51 AM Show posts by this member only \| IPv6 \| Post #714
Look at all my stars!! Senior Member 2,318 posts Joined: Dec 2012	QUOTE(low yat 82 @ Jun 7 2017, 10:45 AM) thnaks. guess im goin for uob. heard maciam boleh request for waiver after 1st year.. Normal first 2 years AF waived no issue. But 3rd year onwards my AF can't waived. So I just go ahead cancel it.
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fly126	Jun 7 2017, 11:23 AM Show posts by this member only \| Post #715
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(low yat 82 @ Jun 7 2017, 10:45 AM) thnaks. guess im goin for uob. heard maciam boleh request for waiver after 1st year.. P.s , I also never pay a single Cent of AF for my Citi CB Plat. since 2012.
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andrewc720	Jun 7 2017, 03:49 PM Show posts by this member only \| Post #716
New Member Junior Member 14 posts Joined: Apr 2008	1. Annual Income: Gross RM160k+ (Receiving salary in Vietnam Dong) 2. Free Lifetime Annual Fee: Yes / Reasonable fee 3. Card required for: Oversea usages and Airport Lounges 4. Existing credit cards (if any): CIMB CB Plat & Maybank 2 Gold (Applied before I move to Vietnam) 5. Interested in CC from: Any 6. Others: Currently working in Vietnam and receiving my payroll in Vietnam Dong currency. Applied Citibank Premier Miles and got rejected as they only accept BND & SGD Please advise if any other bank accept currencies other than our next door "SGD". Thanks
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fly126	Jun 7 2017, 04:06 PM Show posts by this member only \| Post #717
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(andrewc720 @ Jun 7 2017, 03:49 PM) 1. Annual Income: Gross RM160k+ (Receiving salary in Vietnam Dong) 2. Free Lifetime Annual Fee: Yes / Reasonable fee 3. Card required for: Oversea usages and Airport Lounges 4. Existing credit cards (if any): CIMB CB Plat & Maybank 2 Gold (Applied before I move to Vietnam) 5. Interested in CC from: Any 6. Others: Currently working in Vietnam and receiving my payroll in Vietnam Dong currency. Applied Citibank Premier Miles and got rejected as they only accept BND & SGD Please advise if any other bank accept currencies other than our next door "SGD". Thanks In That Case, U may Use FD Pledging Lock-In (RM35-50K) to get CC. As both Ambank & PBB also accept FD Pledging to obtain Credit Card. U can not withdraw the FD, if you take it out & Your CC will be cancelled also, try to query with the Bank. PBB Visa Signature - 6% CB on Groceries, Dining, Online Spend + 3 x Complimentary Access to Plaza Premium Lounge Malaysia It's a Lifetime Fee Waiver Card with 12x Swipes p.a. AmBank VISA Infinite Card /AmBank World MasterCard (Income Requirement: RM120K p.a) • 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia. • All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in. • Free-For-Life, NO conditions attached • Unlimited lounge access without condition • Complimentary Hilton Premium Club Membership Card (Note: Membership is automatically renewed annually with just a min retail usage of RM30,000) • Air Miles Frequent Flyer / Travel Reward Programs with over 50 airlines partners. (Note: 5,000 AmBonus points = 1,000 Air Miles) http://www.ambank.com.my/eng/cards/visainfinite This post has been edited by fly126: Jun 7 2017, 09:33 PM
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DarReNz	Jun 7 2017, 08:24 PM Show posts by this member only \| Post #718
Look at all my stars!! Senior Member 7,496 posts Joined: Feb 2007	QUOTE(fly126 @ Jun 7 2017, 04:06 PM) In That Case, U may Use FD Pledging Lock-In (RM35-50K) to get CC. As both of Ambank & PBB also accept FD Pledging to obtain Credit Card. U can not withdraw the FD, if you take it out & Your CC will be cancelled also, try to query with the Bank. / PBB Visa Signature - 6% CB on Groceries, Dining, Online Spend +3 x Complimentary Access to Plaza Premium Lounge Malaysia It's a Lifetime Fee Waiver Card with 12x Swipes p.a. AmBank VISA Infinite Card /AmBank World MasterCard (Income Requirement: RM120K p.a) • 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia. • All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in. • Free-For-Life, NO conditions attached • Unlimited lounge access without condition • Complimentary Hilton Premium Club Membership Card (Note: Membership is automatically renewed annually with just a min retail usage of RM30,000) • Air Miles Frequent Flyer / Travel Reward Programs with over 50 airlines partners. (Note: 5,000 AmBonus points = 1,000 Air Miles) http://www.ambank.com.my/eng/cards/visainfinite Ambank accepts overseas income ?
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fly126	Jun 7 2017, 09:24 PM Show posts by this member only \| Post #719
Lousy One Senior Member 4,404 posts Joined: Jun 2012	QUOTE(DarReNz @ Jun 7 2017, 08:24 PM) Ambank accepts overseas income ? Nope, most of the Bank here only Recognize Singapore & Brunei income , however Ambank accept FD Pledging for Credit Card This post has been edited by fly126: Jun 7 2017, 09:30 PM
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sepet	Jun 8 2017, 02:24 PM Show posts by this member only \| Post #720
Getting Started Junior Member 148 posts Joined: May 2005	1. Annual Income: RM33912 2. Free Lifetime Annual Fee: A Must 3. Card required for: Petrol (main priorities), groceries 4. Existing credit cards (if any): bank islam 5. Interested in CC from: 6. Others: plan to do balance transfer from bank islam to new CC tq for help!
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