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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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inquiries
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 Jan 17 2017, 04:04 PM
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Getting Started
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QUOTE
1. Annual Income: Appreciate suggestion of credit card for annual income of <RM60k, and >RM60k
2. Free Lifetime Annual Fee: Yes (eg: free waiver after 12 swipes or so)
3. Card required for: Rough estimated usage of Petrol (RM200/month), Dining (RM200/month), Groceries (RM200/month), Movies/Online (RM100/month) - I expect an increase in online usage over next few months
4. Existing credit cards (if any): Nil.
5. Interested in CC from: Convenient banks which accept payments from maybank2u
6. Others:
Greetings all, I have been using Debit Card all these while. Now looking for a credit card for better security. I might not need the best savings (eg: apply 2 cards, use Card A for Petrol and change to Card B for online billing), I am prefer to stick with one card for transactions. Thank you for your recommendations. |
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fruitie
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Jan 17 2017, 04:13 PM
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Rise and Shine
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QUOTE(inquiries @ Jan 17 2017, 04:04 PM) Greetings all, I have been using Debit Card all these while. Now looking for a credit card for better security. I might not need the best savings (eg: apply 2 cards, use Card A for Petrol and change to Card B for online billing), I am prefer to stick with one card for transactions. Thank you for your recommendations. CIMB Cash Rebate Plat then but it will not give cash back for your dining. |
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laymank
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Jan 17 2017, 04:15 PM
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QUOTE(inquiries @ Jan 17 2017, 04:04 PM) Greetings all, I have been using Debit Card all these while. Now looking for a credit card for better security. I might not need the best savings (eg: apply 2 cards, use Card A for Petrol and change to Card B for online billing), I am prefer to stick with one card for transactions. Thank you for your recommendations. CIMB Cash Rebate card, no fee charged, but giving cashbacks (online, groceries,etc). Good card for all general purpose use. |
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zerohavoc318
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Jan 17 2017, 04:48 PM
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Getting Started
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what would be a good substitute for Maybank Ikwan?
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inquiries
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Jan 17 2017, 04:53 PM
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Getting Started
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QUOTE(fruitie @ Jan 17 2017, 04:13 PM) CIMB Cash Rebate Plat then but it will not give cash back for your dining. QUOTE(laymank @ Jan 17 2017, 04:15 PM) CIMB Cash Rebate card, no fee charged, but giving cashbacks (online, groceries,etc). Good card for all general purpose use. Thanks a bunch for your quick reply! Speaking of which, may I just ask (out of curiousity), what happened to OCBC Titanium Cash Back card? I searched lowyat.net for credit card recommendation long time ago (I can't really remember my previous ID - had to create new account now)... Back then everyone was recommending OCBC Titanium, and now it vanished from threads. Something changed? |
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fruitie
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Jan 17 2017, 05:03 PM
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Rise and Shine
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QUOTE(inquiries @ Jan 17 2017, 04:53 PM) Thanks a bunch for your quick reply! Speaking of which, may I just ask (out of curiousity), what happened to OCBC Titanium Cash Back card? I searched lowyat.net for credit card recommendation long time ago (I can't really remember my previous ID - had to create new account now)... Back then everyone was recommending OCBC Titanium, and now it vanished from threads. Something changed? No longer useful. Kinda useless these days after their benefits were revised for few times. |
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-kytz-
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Jan 18 2017, 07:55 AM
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Just saw HSBC offering 25k air Asia points when applying selected HSBC credit cards and spending accumulated 1k spending within 60 days from the date of Welcome letter : https://sp.hsbc.com.my/aab/25k?WABFormEntry...&utm_medium=cpcQuestion is whether can I get this promo and the Rm300 Lazada voucher promo at the same time? Lol |
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laymank
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Jan 18 2017, 09:27 AM
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QUOTE(-kytz- @ Jan 18 2017, 07:55 AM) Just saw HSBC offering 25k air Asia points when applying selected HSBC credit cards and spending accumulated 1k spending within 60 days from the date of Welcome letter : https://sp.hsbc.com.my/aab/25k?WABFormEntry...&utm_medium=cpcQuestion is whether can I get this promo and the Rm300 Lazada voucher promo at the same time? Lol It will be either one. value wise, the AA points seems to be better. already got confirmation on the reward from a forumer - https://forum.lowyat.net/index.php?showtopi...post&p=83403302This post has been edited by laymank: Jan 18 2017, 10:13 AM |
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eagle008
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Jan 18 2017, 11:25 AM
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Getting Started
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1. Annual Income: RM80k to RM90k
2. Free Lifetime Annual Fee: Preferably
3. Card required for: Utilities - Insurance RM1K, Phone RM100, Unifi RM190,
Petrol -RM700
4. Existing credit cards (if any): Citi cash back platinium, MBB Duel Card
5. Interested in CC from: no idea.
6. Others: -
thx
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Xmatrix
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Jan 18 2017, 11:53 AM
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Getting Started
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1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: Preferably. 3. Card required for: Solely on Petrol roughly around RM400-500 monthly. 4. Existing credit cards (if any): No. 5. Interested in CC from: Any banks6. Others: Want to use CC solely on Petrol. Been searching for the highest rebates/cashbacks. Please suggest guys  ! tqvm !  |
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fly126
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Jan 18 2017, 12:31 PM
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QUOTE(Xmatrix @ Jan 18 2017, 11:53 AM) 1. Annual Income: RM36K to RM60K 2. Free Lifetime Annual Fee: Preferably. 3. Card required for: Solely on Petrol roughly around RM400-500 monthly. 4. Existing credit cards (if any): No. 5. Interested in CC from: Any banks6. Others: Want to use CC solely on Petrol. Been searching for the highest rebates/cashbacks. Please suggest guys ! tqvm ! MBB Ikhwan Mastercard: 5% CB on Petrol, Groceries spend every Fri/Sat |
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fruitie
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Jan 18 2017, 02:19 PM
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Rise and Shine
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QUOTE(fly126 @ Jan 18 2017, 12:31 PM) MBB Ikhwan Mastercard: 5% CB on Petrol, Groceries spend every Fri/Sat Or pump in Petronas - Maybank Ikhwan Petronas Visa - 8% on Saturdays and Sundays. |
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Xmatrix
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Jan 18 2017, 03:01 PM
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Getting Started
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QUOTE(fly126 @ Jan 18 2017, 12:31 PM) MBB Ikhwan Mastercard: 5% CB on Petrol, Groceries spend every Fri/Sat QUOTE(fruitie @ Jan 18 2017, 02:19 PM) Or pump in Petronas - Maybank Ikhwan Petronas Visa - 8% on Saturdays and Sundays. any cashbacks on weekdays other than friday ? |
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fruitie
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Jan 18 2017, 03:03 PM
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Rise and Shine
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QUOTE(Xmatrix @ Jan 18 2017, 03:01 PM) any cashbacks on weekdays other than friday ? Other cards like CIMB CR, UOB One Plat. CIMB CR - 2% cash back, UOB One Plat - Weekdays 2% / Weekends 5% cash back but comes with Annual Fees. |
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muhammadsiddiq
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Jan 18 2017, 03:36 PM
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QUOTE(fly126 @ Jan 5 2017, 11:52 AM) i) CIMB Cash Rebate Mastercard* 2% CB on Utility, Mobile Bill Payments via Standing Instruction/Auto Debit (TNB, Gas Malaysia, SESCO, Maxis, Digi, Celcom, U Mobile, YES) * 2% CB for Petrol, Groceries * 5% CB for E-Commerce/Online Spend (Max. CB RM30.00/ month) NO CB on Flight Tickets Booking * 0.2% CB on Other Retail Spend With Total Maximum CB capped at RM50/month https://forum.lowyat.net/topic/3988506ORii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat. currently applying maybank ikhwan, even my salary not meet the requirement. their sales already contact me to fill in the form, and etc doc. will update. 20/jan update : failed 😂 This post has been edited by muhammadsiddiq: Jan 20 2017, 08:24 PM |
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fly126
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Jan 18 2017, 10:55 PM
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QUOTE(fly126 @ Dec 4 2016, 04:26 PM) Citibank Cash Back Platinum » Click to show Spoiler - click again to hide... « Citibank CB / Platinum CCCitibank 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 On, 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 BLUECitibank 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  QUOTE(Xmatrix @ Jan 18 2017, 03:01 PM) any cashbacks on weekdays other than friday ? |
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-kytz-
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Jan 19 2017, 04:28 PM
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Is Hong Leong Mach the best cinema and dining card? I know there's Maybank 2 combo card but Amex is not always accepted in most eateries as compared to VISA.. I've already got Maybank Ikhwan Gold and Petronas card for TouchnGO and petrol respectively..  |
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fruitie
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Jan 19 2017, 04:31 PM
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Rise and Shine
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QUOTE(-kytz- @ Jan 19 2017, 04:28 PM) Is Hong Leong Mach the best cinema and dining card? I know there's Maybank 2 combo card but Amex is not always accepted in most eateries as compared to VISA.. I've already got Maybank Ikhwan Gold and Petronas card for TouchnGO and petrol respectively.. Yes, for dining. There is another one PBB VS but income requirement is 100k p.a. |
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cybpsych
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Jan 19 2017, 04:32 PM
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QUOTE(-kytz- @ Jan 19 2017, 04:28 PM) Is Hong Leong Mach the best cinema and dining card? I know there's Maybank 2 combo card but Amex is not always accepted in most eateries as compared to VISA.. I've already got Maybank Ikhwan Gold and Petronas card for TouchnGO and petrol respectively.. HLB Mach with Movie category: 10%  if you choose TrendSetter package (for Dining), you'd need to addon package for Movie (RM5 per quarter). if you choose Social package (for Movie), you'd need to addon package for Dining (RM5 per quarter). choose which package is more suitable for you, then addon the rest. |
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boyzai07
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Jan 20 2017, 12:41 PM
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Getting Started
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1. Annual Income: RM48K
2. Free Lifetime Annual Fee: With condition (eg.12 swipes)
3. Card required for: Cash rebate (petrol, telco bill, groceries)
4. Existing credit cards : Maybank2cards
5. Interested in CC from: Citibank, UOB, Maybank or any other banks.
Thanks.
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