I will get Ambank WMC mainly for PPL.

At least I got hope for them to approve.

PBB forget it la.... Told me to put 25k for Quantum via FD to get.

Told them to enjoy Raya and left the branch

Though I suggested people to use FD to apply cards but I'll not do that for myself.
AmBank WMC/VI is coming soon, end of this year or early next year with EA form should be no issue.

Yeah, unless you need the card urgently and desperately, best to not bother with FD actually.

Unless the bank allows me to get at promotional rates, then I might consider for one cycle

If I have to spend a lot of money (RM10k++) for one time (e.g. buying lots of furniture and appliances in one go), the best card to use is Hong Leong Fortune?

I thought will be HLB Essential? because no cap amount.
Fortune will have capped RM 50 per statement cycle (although the rebate can earn interest if u dont redeem)

But essential can get
RM 5,000 x 0.60 % = RM 30
RM 5,000 x 1% = RM 50

Total of RM 80 if you purchase at 10k

Fortune can get
RM 10,000 x 1% = RM 100 (but capped at RM 50 per statement cycle)

unless ur annual spending qualify for their extra rebate

Up to RM1,800 extra Real Cash Earnings on your card's anniversary

Extra earnings are based on your total annual retail spending, up to RM1,800 in real cash.

Total annual retail spending Bonus
Equal or more than RM38,000 RM280
Equal or more than RM68,000 RM880
Equal or more than RM108,000 RM1,800

I see, you're right. I missed the RM50 cap. Then Hong Leong Essential should be the best.

you mean you gonna hit 120k so that you can apply WMC/VI ?

Yes.

Hi looking for advice:


1. Annual Income: RM35-40k range

2. Free Lifetime Annual Fee: free annual or with limited swipes to waive

3. Card required for: 1st priority Petrol rebate

Thank you

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.

Apart from above, can also consider Maybank Ikhwan Visa Petronas. 8% cash back for Petronas expenses on Saturdays and Sundays. Max cap at RM 50 cash back.

How come there is no OCBC specific thread like others in this forum?

no new TS to take up the role.

search back old ocbc thread and read the last comment before it was closed.

no point to read back the old posts, if u searched the thread, it was years back thread. it is not going to be relevant now and no point to even look at it.

there was a warning in the last thread, if u didn't bother to read at all.

Besides no TS, it has no interesting cards.

you are still holding the titanium ? back in the days this card was one of the best

This post has been edited by DarReNz: Jun 24 2017, 09:36 PM

Hi all, looking to apply my first CC soon, would like to get some ideas here, hope you all can help.

1. Annual Income: RM32k- 35K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, groceries, makan makan/ entertainment

4. Existing credit cards (if any): Nil.

5. Interested in CC from: Prefer MBB or Public Bank

6. Others: Would prefer cash back CC more than those treat points

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.

I) PBB (Quantum 2Cards)
a. Quantum MC - 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
b. Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

However, to get These Cards you Need a Income of RM36,000 p.a...

II) HLB Mach - 5% CB on Dining.

III) Maybank 2 Cards (Good with 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 /month.

IV) MBB Ikhwan Mastercard- 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month.

This post has been edited by fly126: Jun 27 2017, 01:01 AM