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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

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SzeMeng76
post Jun 26 2017, 11:09 PM

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QUOTE(fly126 @ Jun 26 2017, 10:35 PM)
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.

II) HLB Mach - 5% CB on Dining.

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

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. thumbup.gif
*
I thought Mach only need 24K?
https://www.machbyhongleongbank.com/frequen...asked-questions
fly126
post Jun 27 2017, 12:49 AM

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QUOTE(SzeMeng76 @ Jun 26 2017, 11:09 PM)
I thought Mach only need 24K?
https://www.machbyhongleongbank.com/frequen...asked-questions
*
Oops, My Bad... blush.gif
When tis Card 1st launching at 2012 the income requirement's RM24K p.a, but later they change to RM36K p.a & only just now know their have Reversed the Income Requirement back to RM24,000 p.a... innocent.gif

This post has been edited by fly126: Jun 27 2017, 12:51 AM
wgn_white
post Jun 27 2017, 02:37 AM

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Hi, guys.
Newbie in CC here but it seems the convenient and benefits is something good to have.
Help me.
Below is my info.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Bills, restaurants, movies, online local and foreign purchase, local and foreign offline purchase, 0% installment plan to purchase furniture and electronics*, flights, hotels,

4. Existing credit cards (if any): Nil (But actively using PBB Debit and MBB Debit)

5. Interested in CC from: Maybank, but I'm too new to justify. Feel free to recommends others.

6. Others: *Real reason I suddenly thinking to get a CC is to purchase expensive electronics like camera, lens, computers, at 0% installment plan for my freelance work. Paying cash RM10K for a camera body or a Macbook Pro is a bad cash flow in my point of view. But still needed to purchase these items to earn. Other than that, I'll have frequent flight to outside Malaysia. Might as well collect some points with that?

This post has been edited by wgn_white: Jun 27 2017, 02:38 AM
fly126
post Jun 27 2017, 08:14 AM

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QUOTE(wgn_white @ Jun 27 2017, 02:37 AM)
Hi, guys.
Newbie in CC here but it seems the convenient and benefits is something good to have.
Help me.
Below is my info.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Bills, restaurants, movies, online local and foreign purchase, local and foreign offline purchase, 0% installment plan to purchase furniture and electronics*, flights, hotels,

4. Existing credit cards (if any): Nil (But actively using PBB Debit and MBB Debit)

5. Interested in CC from: Maybank, but I'm too new to justify. Feel free to recommends others.

6. Others: *Real reason I suddenly thinking to get a CC is to purchase expensive electronics like camera, lens, computers, at 0% installment plan for my freelance work. Paying cash RM10K for a camera body or a Macbook Pro is a bad cash flow in my point of view. But still needed to purchase these items to earn. Other than that, I'll have frequent flight to outside Malaysia. Might as well collect some points with that?
*
i) 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 /month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

ii) SCB Cashback Gold - 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html
wgn_white
post Jun 27 2017, 09:22 AM

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From: Malaysia
QUOTE(fly126 @ Jun 27 2017, 08:14 AM)
i) 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 /month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

ii) SCB Cashback Gold - 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html
*
Thank you.
Now I have somewhere to start research.
fly126
post Jun 27 2017, 09:36 AM

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QUOTE(wgn_white @ Jun 27 2017, 09:22 AM)
Thank you.
Now I have somewhere to start research.
*
Jz go to Post #723 for Reference.
https://forum.lowyat.net/topic/4161836/+720#

This post has been edited by fly126: Jun 27 2017, 09:38 AM
rainbird
post Jun 27 2017, 07:49 PM

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QUOTE(fly126 @ Jun 26 2017, 10:35 PM)
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... sweat.gif

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. thumbup.gif

IV) MBB Ikhwan Mastercard- 5% Cash-Back on Petrol & Groceries, every Fri/Sat. , CB capped at RM50/month.
*
Does these cc need any min spending per month?
cybpsych
post Jun 27 2017, 07:51 PM

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QUOTE(rainbird @ Jun 27 2017, 07:49 PM)
Does these cc need any min spending per month?
*
all the above, no.
hirano
post Jun 27 2017, 10:44 PM

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1. Annual Income: N/A (is deciding between 2 cards below).

2. Free Lifetime Annual Fee: A Must

3. Card required for: PTPTN lump sum payment, GSC/TGV cinema via app, online purchases

4. Existing credit cards: MBB Ikhwan Mastercard

5. Interested in CC from: CIMB cash rebate & PBB Quantum

Note:
- Both of the above option has online cashback 5% which i'm interested in
- I don't use petrol.
- Has savings acc in CIMB, not PBB (so probably easier to apply on CIMB)
- Wondering which card is more beneficial overall?

This post has been edited by hirano: Jun 27 2017, 10:45 PM
fly126
post Jun 28 2017, 01:04 AM

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QUOTE(hirano @ Jun 27 2017, 10:44 PM)
1. Annual Income: N/A (is deciding between 2 cards below).

2. Free Lifetime Annual Fee: A Must

3. Card required for: PTPTN lump sum payment, GSC/TGV cinema via app, online purchases

4. Existing credit cards: MBB Ikhwan Mastercard

5. Interested in CC from: CIMB cash rebate & PBB Quantum

Note:
- Both of the above option has online cashback 5% which i'm interested in
- I don't use petrol.
- Has savings acc in CIMB, not PBB (so probably easier to apply on CIMB)
- Wondering which card is more beneficial overall?
*
PBB Quantum MC & CIMB CR MasterCard Both come with Same 5% Cash Back for Online transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

But however, CIMB CR WON'T earn YOU any Cash back from Flight Ticket Purchase or PTPTN (government related transaction) plus, they Charge Cross Border transaction fees. sweat.gif
Note: Cross Border Fee - charged to a merchant when a customer uses a credit card as payment for purchases or services from an issuing bank not located in the same country as the merchant's processing account.

As for PBB Quantum MC, you can earn CB on PTPTN Payment, buying flight ticket the best part's PBB Doesn't charge any Cross Border Fee like CIMB thumbup.gif

Also, Why not cosinder Apply or Convert to Maybank 2 Cards is more Practical use, Since You are not much Utilized Your MBB Ikhwan MC: Petrol & Groceries
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Jun 28 2017, 01:19 AM
timetokill
post Jun 30 2017, 09:02 AM

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Joined: Feb 2016
1. Annual Income: RM130K

2. Free Lifetime Annual Fee: Yes / Waived with spending

3. Card required for: All other spending except for Petrol, Dining, Online which I already have cashback from other cards. Rewards on spending in this priority: cashback, earning points for vouchers and air miles. Good points earning rate.

4. Existing credit cards (if any): MBB VS, MBB 2card, PBB VS

5. Interested in CC from: Ambank WMC/VI

6. Others: Airport lounge access for principal and supplementary cardholders
laymank
post Jun 30 2017, 09:28 AM

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QUOTE(timetokill @ Jun 30 2017, 09:02 AM)
1. Annual Income: RM130K

2. Free Lifetime Annual Fee: Yes / Waived with spending

3. Card required for: All other spending except for Petrol, Dining, Online which I already have cashback from other cards. Rewards on spending in this priority: cashback, earning points for vouchers and air miles. Good points earning rate.

4. Existing credit cards (if any): MBB VS, MBB 2card, PBB VS

5. Interested in CC from: Ambank WMC/VI

6. Others: Airport lounge access for principal and supplementary cardholders
*
Ambank WMC/VI is best!

PBB Quantum (Visa) gives you departmental cashback. smile.gif
timetokill
post Jun 30 2017, 10:19 AM

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QUOTE(laymank @ Jun 30 2017, 09:28 AM)
Ambank WMC/VI is best!

PBB Quantum (Visa) gives you departmental cashback.  smile.gif
*
What about MBB VI? I was considering that also.
Ambank VI supp cardholder can get unlimited airport lounge access? What is the fastest way to apply?
bearbear
post Jun 30 2017, 10:31 AM

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QUOTE(timetokill @ Jun 30 2017, 10:19 AM)
What about MBB VI? I was considering that also.
Ambank VI supp cardholder can get unlimited airport lounge access? What is the fastest way to apply?
*
MBB VI or MBB 2 card Premier (VI + Amex Reserve) are pure miles play card

MBB are very strict with min. spending per annum to waive the annual fee of RM800

The VI in both are same, just that 2 premier come with another Amex Reserve card

VI - 50k per annum

2Premier - 80k per annum

Advantage of M2Premier
VI - 2x TP local spending, 5x TP oversea spending
Amex Reserve - 5x TP on any spending

with 5x TP, it translate to 1 mile per RM 0.954 spending

Issue with Ambank is that local spending & online transaction in foreign currency only earn 1x pts while oversea physical transaction it has similar to MBB earn rate. Other plus points with Ambank

1. PPL unlimited access
2. arguably better exchange rate than MBB

This post has been edited by bearbear: Jun 30 2017, 10:35 AM
laymank
post Jun 30 2017, 10:35 AM

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QUOTE(timetokill @ Jun 30 2017, 10:19 AM)
What about MBB VI? I was considering that also.
Ambank VI supp cardholder can get unlimited airport lounge access? What is the fastest way to apply?
*
comparing MBB vs Ambank VI, Ambank offers no condition FREE annual fee and unlimited PPL access across a few other countries as well.
I don't know of any 'faster' way to apply besides the normal way.
DarReNz
post Jun 30 2017, 11:19 AM

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QUOTE(timetokill @ Jun 30 2017, 10:19 AM)
What about MBB VI? I was considering that also.
Ambank VI supp cardholder can get unlimited airport lounge access? What is the fastest way to apply?
*
ambank requires you to fax over the application/docs but i think you can send over soft copies over email nod.gif
timetokill
post Jun 30 2017, 11:22 AM

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Joined: Feb 2016
QUOTE(bearbear @ Jun 30 2017, 10:31 AM)
MBB VI or MBB 2 card Premier (VI + Amex Reserve) are pure miles play card

MBB are very strict with min. spending per annum to waive the annual fee of RM800

The VI in both are same, just that 2 premier come with another Amex Reserve card

VI - 50k per annum

2Premier - 80k per annum

Advantage of M2Premier
VI - 2x TP local spending, 5x TP oversea spending
Amex Reserve - 5x TP on any spending

with 5x TP, it translate to 1 mile per RM 0.954 spending

Issue with Ambank is that local spending & online transaction in foreign currency only earn 1x pts while oversea physical transaction it has similar to MBB earn rate. Other plus points with Ambank

1. PPL unlimited access
2. arguably better exchange rate than MBB
*
It looks like there is not much incentive to spend with the Ambank VI card. Not bad if they give it free for life with unlimited PPL access including supp cardholders.

I have big spending coming up and I think I might be spending 50k this year. MBB VI seems to give better rewards for this spend and I can get another year free. After that I think I will just cancel if I can't waive the fees.
azrazrazrazr
post Jun 30 2017, 11:53 AM

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Joined: Jun 2017
1. Annual Income: RM90K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Other transactions. I already have cc for petrol, groceries, online, dining, departmental store, entertainment which I think are adequate. I prefer cashback but a good reward programme is OK too.

4. Existing credit cards (if any): PBB Quantum, MBB Ikhwan, MBB Ikhwan Petronas

5. Interested in CC from: Open for suggestions.

6. Others: Please be specific. I have applied for MBB Amex Duo but rejected. Probably because I already have two cards with them (Ikhwans).
fly126
post Jun 30 2017, 01:46 PM

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QUOTE(azrazrazrazr @ Jun 30 2017, 11:53 AM)
1. Annual Income: RM90K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Other transactions. I already have cc for petrol, groceries, online, dining, departmental store, entertainment which I think are adequate. I prefer cashback but a good reward programme is OK too.

4. Existing credit cards (if any): PBB Quantum, MBB Ikhwan, MBB Ikhwan Petronas

5. Interested in CC from: Open for suggestions.

6. Others: Please be specific. I have applied for MBB Amex Duo but rejected. Probably because I already have two cards with them (Ikhwan).
*
U have rejected on M2C recently, try request Split CL from your Ikhwan by write in an Appeal Letter to Them (mbbcardservices@maybank.com.my) just the Title change to Maybank 2Cards, macam ni...
» Click to show Spoiler - click again to hide... «


MISC. Spend - Alliance You:nique, HLB Essential, MBB 2Cards, SCB Cash-Back Gold.
» Click to show Spoiler - click again to hide... «
isAb3lle
post Jun 30 2017, 08:01 PM

New Member
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Joined: Jul 2008
1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: Preferably waivable

3. Card required for: Petrol, insurance, Education, Groceries

4. Existing credit cards (if any): MBB ikhwan, CIMB CR

5. Interested in CC from: No preference.

6. Others: I'm looking for cards that can provide good cash back rebate or points for insurance, petrol and groceries. And if possible education fee too. tried applying for additional MBB2cards but got rejected.
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