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

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fly126
post Jul 13 2017, 08:16 PM

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QUOTE(andykok @ Jul 13 2017, 07:44 PM)
1. Annual Income: RM70K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, groceries, online purchase, phone bill, utilities

4. Existing credit cards (if any): No

5. Interested in CC from:

Please suggest me a CC with Free Lifetime annual fee.
I was rejected by Maybank for applying Maybank 2 gold card many times.

therefore, looking for other CC with benefits like maybank 2 gold card.

thank you so much in advance
*
ALL these Cards are Lifetime Fee Waiver so NO Worries... thumbup.gif

PBB (Quantum 2 Cards)
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.
You can Pay your bill thru Online to get Cash Back... icon_idea.gif
https://forum.lowyat.net/topic/4251865

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/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/3988506
OR
MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat, with Max. CB RM50/month.

This post has been edited by fly126: Jul 13 2017, 08:27 PM
andykok
post Jul 13 2017, 09:28 PM

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QUOTE(fly126 @ Jul 13 2017, 08:16 PM)
ALL these Cards are Lifetime Fee Waiver so NO Worries... thumbup.gif

PBB (Quantum 2 Cards)
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.
You can Pay your bill thru Online to get Cash Back... icon_idea.gif
https://forum.lowyat.net/topic/4251865

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/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/3988506
OR
MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat, with Max. CB RM50/month.
*
the ppb one seems like very attractive to me , thank you so much bro notworthy.gif notworthy.gif

what do you think citi bank credit card ? got free life time annual fee?
fly126
post Jul 13 2017, 09:43 PM

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QUOTE(andykok @ Jul 13 2017, 09:28 PM)
the ppb one seems like very attractive to me , thank you so much bro  notworthy.gif  notworthy.gif

what do you think citi bank credit card ? got free life time annual fee?
*
Got one... It's Called Simplicity it's a Basic card. And, Most of Citibank CC do have an AF & may Not suit your needs.
andykok
post Jul 13 2017, 09:51 PM

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QUOTE(fly126 @ Jul 13 2017, 09:43 PM)
Got one... It's Called Simplicity it's a Basic card. And, Most of Citibank CC do have an AF & may Not suit your needs.
*
alright noted, thank you so much for all the advice.

gonna apply PBB one thumbup.gif thumbup.gif

have a nice day bro
fly126
post Jul 13 2017, 10:23 PM

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QUOTE(andykok @ Jul 13 2017, 09:51 PM)
alright noted, thank you so much for all the advice.

gonna apply PBB one  thumbup.gif  thumbup.gif

have a nice day bro
*
U may try applying MBB Ikhwan MC (Petrol & Groceries) to Compliment with PBB 2 Quantum for Your Needs.

Btw, Out of Curiosity how many times Maybank have Rejected You...? hmm.gif






fly126
post Jul 13 2017, 10:23 PM

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Edited 2x post...

This post has been edited by fly126: Jul 13 2017, 10:25 PM
andykok
post Jul 13 2017, 10:28 PM

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QUOTE(fly126 @ Jul 13 2017, 10:23 PM)
U may try applying MBB Ikhwan MC (Petrol & Groceries) to Compliment with PBB 2 Quantum for Your Needs.

Btw, Out of Curiosity how many times Maybank have Rejected You...? hmm.gif
*
Actually i m thinking to compliment with citibank shell card (for petrol)
Ppb one will be for dining , entertainment.

April got rejected 2 times. Yesterday online apply with recent income tax receipt. My income is qualified for the card, but do not know why get rejected, even call to service department, also cannot check ==… speechless...
fly126
post Jul 13 2017, 10:56 PM

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QUOTE(andykok @ Jul 13 2017, 10:28 PM)
Actually i m thinking to compliment with citibank shell card (for petrol)
Ppb one will be for dining , entertainment.

April got rejected 2 times. Yesterday online apply with recent income tax receipt. My income is qualified for the card, but do not know why get rejected, even call to service department, also cannot check ==… speechless...
*
OIC, How About SCB Just One Plat., Up to 15% CB on Petrol, Online & Auto Billing you can check Details on Post #862 the Post jz above Your 1st post
Jz Reference IF U R Interested ... whistling.gif

Citibank-Shell Card (Annual Fee: RM 206.70)
» Click to show Spoiler - click again to hide... «


UOB One Card & Citibank Cash-Back Card However, Both Cards do Come with AF... sweat.gif
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Jul 13 2017, 11:34 PM
andykok
post Jul 13 2017, 11:06 PM

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QUOTE(fly126 @ Jul 13 2017, 10:56 PM)
OIC, How About SCB Just One Plat., Up to 15% CB on Petrol, Online & Auto Billing you can check Details on Post #862 the Post jz above Your 1st post
Jz Reference IF U R Interested ... whistling.gif 

Citibank-Shell Card (Annual Fee: RM 206.70)
» Click to show Spoiler - click again to hide... «


UOB One Card & Citibank Cash-Back Card  However, Both Cards do Come with AF... sweat.gif
» Click to show Spoiler - click again to hide... «

*
The UOB one card seems really good , got cb for many things (can say one card for all ). I assume we can just waive the annual fees right.?

Btw, bro u really did a lot of research in credit card.. salutes=)
fly126
post Jul 13 2017, 11:25 PM

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QUOTE(andykok @ Jul 13 2017, 11:06 PM)
The UOB one card seems really good , got cb for many things (can say one card for all ). I assume we can just waive the annual fees right.?
Btw, bro u really did a lot of research in credit card.. salutes=)
*
It's Depends sometimes UOB may give Up to 3 Years AF Waiver for NEW Signup U can ask for Details at CC Booths at Shopping Mall
https://forum.lowyat.net/topic/1916038

Really, jz compiled from My Old Posts... Actually, I got these cards that's why I know their Pros & Cons blush.gif tongue.gif

This post has been edited by fly126: Jul 14 2017, 11:53 AM
haha0803
post Jul 14 2017, 08:57 AM

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1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A Must

3. Card required for: installment (not necessary 0%), online shopping

4. Existing credit cards (if any):

5. Interested in CC from: Maybank(ezpay)?
laymank
post Jul 14 2017, 09:49 AM

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QUOTE(haha0803 @ Jul 14 2017, 08:57 AM)
1. Annual Income: RM100K to RM150K

2. Free Lifetime Annual Fee: A Must

3. Card required for: installment (not necessary 0%), online shopping

4. Existing credit cards (if any):

5. Interested in CC from: Maybank(ezpay)?
*
Go for PBB Visa Signature. AF free with 12x spent. You might want to consider Quantum duo cards also.
spiderwick
post Jul 14 2017, 10:05 AM

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QUOTE(fly126 @ Jul 10 2017, 04:18 PM)
AmBank VISA Infinite Card /AmBank World MasterCard (Income Requirement: RM120K p.a) 
• 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 (Note: 5,000 AmBonus points = 1,000 Air Miles)
http://www.ambank.com.my/eng/cards/visainfinite

the people get This Card becos it's FREE for Life with No AF +Unlimited  PPL access from Various location with No condition attached... it's more like a Pure Air-miles CC to the cardholder. As we know most the Air-miles  Earning + PPL Access Privileges  credit card may come with an Annual Fee like  more than $600 a year & with limited Choice of PPL Access https://www.ambank.com.my/ambank/Documents/...stofAirport.pdf

Maybank 2 Cards (Good with PTPTN)
* It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period
* 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.

Maybank 2 Card is more like a multi-purpose General CC which we can...
Convert the Treats Point for Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period

You can Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB) or Standard On-Spot Redemption Conversion: 400 TPs = RM1 or 10,000 Treats Points = 1000 Enrich Mile (Effective 1 March 2015). So with RM1 = 5x TP, it works out to RM2 spent = 1 Enrich Mile for the Enrich Miles Conversion

So, Why not  get BOTH CARDS... thumbsup.gif
*
Haha...too much cards hard to monitor man...premium lounge not that important to me as I hardly hang out there tongue.gif
oh ya in comparison of maybank2 cards to public quantum? what do u think

This post has been edited by spiderwick: Jul 14 2017, 10:06 AM
haha0803
post Jul 14 2017, 10:05 AM

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QUOTE(laymank @ Jul 14 2017, 09:49 AM)
Go for PBB Visa Signature. AF free with 12x spent. You might want to consider Quantum duo cards also.
*
Hi there. Thx for your suggestion. I suppose it will be better for me to take quantum if i frequently deal with the merchants not participate in the ZIIP program. Is that right?
laymank
post Jul 14 2017, 10:13 AM

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QUOTE(haha0803 @ Jul 14 2017, 10:05 AM)
Hi there. Thx for your suggestion. I suppose it will be better for me to take quantum if i frequently deal with the merchants not participate in the ZIIP program. Is that right?
*
it makes no difference since both are from same bank.
one added advantage is you can easily do a balance transfer from other bank into PBB card with up to 6 months ZIIP.
see here: https://www.pbebank.com/Personal-Banking/Pr...ansfer-(1).aspx
haha0803
post Jul 14 2017, 10:28 AM

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QUOTE(laymank @ Jul 14 2017, 10:13 AM)
it makes no difference since both are from same bank.
one added advantage is you can easily do a balance transfer from other bank into PBB card with up to 6 months ZIIP.
see here: https://www.pbebank.com/Personal-Banking/Pr...ansfer-(1).aspx
*
hmmm if you refer to here https://forum.lowyat.net/topic/4231109, the flexible payment plan actually caught my eye. From my understanding, I will be sort out the installment plan (at zero interest?) with the bank but not the merchant.
cybpsych
post Jul 14 2017, 10:36 AM

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QUOTE(haha0803 @ Jul 14 2017, 10:28 AM)
hmmm if you refer to here https://forum.lowyat.net/topic/4231109, the flexible payment plan actually caught my eye. From my understanding, I will be sort out the installment plan (at zero interest?) with the bank but not the merchant.
*
PBB Quantum's Flexipay (12 months @ 0%) is the best. very good to convert big-amount transaction into installments. yes, you pay the bank.

i've done it many times with PBB Visa Signature (9 months @ 0%) and also Quantum's 12 months @ 0%. from buying electrical items to kitchen cabinet to eye surgery biggrin.gif
haha0803
post Jul 14 2017, 10:56 AM

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QUOTE(cybpsych @ Jul 14 2017, 10:36 AM)
PBB Quantum's Flexipay (12 months @ 0%) is the best. very good to convert big-amount transaction into installments. yes, you pay the bank.

i've done it many times with PBB Visa Signature (9 months @ 0%) and also Quantum's 12 months @ 0%. from buying electrical items to kitchen cabinet to eye surgery  biggrin.gif
*
Thx for the clarification. By the way, I just wonder what is the best way to apply for PBB CC. via agent?
cybpsych
post Jul 14 2017, 11:00 AM

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QUOTE(haha0803 @ Jul 14 2017, 10:56 AM)
Thx for the clarification. By the way, I just wonder what is the best way to apply for PBB CC. via agent?
*
just email the application form (PDF, print-fill-sign-scan-email). i did this for my principal + supp cards.

if u have the time, visit the branch also can.

i'd avoid filling the online application form smile.gif
haha0803
post Jul 14 2017, 11:08 AM

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QUOTE(cybpsych @ Jul 14 2017, 11:00 AM)
just email the application form (PDF, print-fill-sign-scan-email). i did this for my principal + supp cards.

if u have the time, visit the branch also can.

i'd avoid filling the online application form smile.gif
*
thx again for the tips! thumbsup.gif
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