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

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fly126
post Jul 14 2017, 11:36 AM

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QUOTE(spiderwick @ Jul 14 2017, 10:05 AM)
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
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Maybank 2Cards + PBB Visa Signature = the Best Combo
If tak dapat PBB VS baru take Quantum Cards
wokies
post Jul 14 2017, 12:11 PM

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QUOTE(fly126 @ Jun 28 2017, 01:04 AM)

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... «

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noob question, why does it good with ptptn?..can get cashback for paying online?. max how much?
SzeMeng76
post Jul 14 2017, 12:26 PM

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QUOTE(wokies @ Jul 14 2017, 12:11 PM)
noob question, why does it good with ptptn?..can get cashback for paying online?. max how much?
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Yes have 5% cash back when u pay during weekends. 50 cap per calendar month. Good to pay bill too, whatever spend with Amex on weekends, can get 5%.
wokies
post Jul 14 2017, 12:45 PM

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QUOTE(SzeMeng76 @ Jul 14 2017, 12:26 PM)
Yes have 5% cash back when u pay during weekends. 50 cap per calendar month. Good to pay bill too, whatever spend with Amex on weekends, can get 5%.
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ohh.thanks..on maybank page got this " finance charges will be as low as 15% p.a" what does it mean?

btw for income, bonus is included or not..and income is calculated on gross salary?

This post has been edited by wokies: Jul 14 2017, 12:45 PM
SzeMeng76
post Jul 14 2017, 12:50 PM

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QUOTE(wokies @ Jul 14 2017, 12:45 PM)
ohh.thanks..on maybank page got this " finance charges will be as low as 15% p.a" what does it mean?

btw for income, bonus is included or not..and income is calculated on gross salary?
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That one on applicable u did not pay ur outstanding balance on time, there is finance charges. Not recommend u to not paying full.

Income if refer to pay slip, only take in consideration of ur monthly gross salary plus fixed allowances, bonus Not counted, but u can submit your Borang BE and tax payment receipt instead. Then they will considered as ur annual income as per reported.
spiderwick
post Jul 14 2017, 05:29 PM

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QUOTE(fly126 @ Jul 14 2017, 11:36 AM)
Maybank 2Cards + PBB Visa Signature = the Best Combo
If tak dapat PBB VS baru take Quantum Cards
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ohhhh faham boss rclxms.gif
azrazrazrazr
post Jul 14 2017, 07:09 PM

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Dear experts in this forum,

I'm planning to go to Europe next year for business. Can you suggest one card that gets me the most benefit? Rewards, best foreign exchange rate, no problems for transaction abroad... etc.
chidori
post Jul 14 2017, 11:37 PM

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From: ~Welcome to CafeBono~
QUOTE(azrazrazrazr @ Jul 14 2017, 07:09 PM)
Dear experts in this forum,

I'm planning to go to Europe next year for business. Can you suggest one card that gets me the most benefit? Rewards, best foreign exchange rate, no problems for transaction abroad... etc.
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Ambank WMC have good conversion rates + few lounges access too.
cybpsych
post Jul 15 2017, 11:43 AM

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QUOTE(kingsway @ Jul 15 2017, 11:36 AM)
Hi,

Just wondering, which form of payment (online, or over the counter) would be best for Tax Assessment / Cukai Tanah? Current credit cards are Public bank Visa signature and Maybankard 2 Cards.  Was researching that using M2C over the counter on weekends is eligible for CB, but no TP, however, curious if this would fall under Gov transactions? Can't find any benefit from PBVS.

Appreciate your recommendations and feedback.

Thanks
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post here, don't create new topic.
kart
post Jul 15 2017, 04:14 PM

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I am comparing between Mach Credit Card (with TrendSetter package) with Public Bank Quantum MasterCard, in terms of 5% Cash Back on Dining transactions.

1) Which credit card will have higher chance of getting 5% Cash Back on Dining transactions?
- For example, we know for sure that it is a dining outlet. But, the bank refuses to recognize it as a dining outlet, and will not give 5% dining Cash Back. For that, I would probably avoid using the credit card by this bank.

2) For both credit cards, is the dining cashback solely based on MCC eligibility?

Between these 2 cards, I want to choose the best dining cashback credit card. Thank you for your advice. smile.gif
SzeMeng76
post Jul 15 2017, 04:46 PM

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QUOTE(kart @ Jul 15 2017, 04:14 PM)
I am comparing between Mach Credit Card (with TrendSetter package) with Public Bank Quantum MasterCard, in terms of 5% Cash Back on Dining transactions.

1) Which credit card will have higher chance of getting 5% Cash Back on Dining transactions?
- For example, we know for sure that it is a dining outlet. But, the bank refuses to recognize it as a dining outlet, and will not give 5% dining Cash Back. For that, I would probably avoid using the credit card by this bank.

2) For both credit cards, is the dining cashback solely based on MCC eligibility?

Between these 2 cards, I want to choose the best dining cashback credit card. Thank you for your advice. smile.gif
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Best dining will be pbb quantum. Mach exclude 5813 MCC code in their dining, but pbb quantum included.
Kaka23
post Jul 16 2017, 09:31 AM

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QUOTE(fly126 @ Jul 14 2017, 11:36 AM)
Maybank 2Cards + PBB Visa Signature = the Best Combo
If tak dapat PBB VS baru take Quantum Cards
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Bro.. Why m2cards better than quantum?
cybpsych
post Jul 16 2017, 10:02 AM

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QUOTE(Kaka23 @ Jul 16 2017, 09:31 AM)
Bro.. Why m2cards better than quantum?
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have you read/understand the features/benefits of both cards?

m2card: 5% weekend cb for EVERYTHING. u also get up to 5TPs.
quantum: 5% anyday cb for online/dining (mastercard) or entertainment/departmental (visa).
kilazilla
post Jul 16 2017, 12:47 PM

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Hi...


1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: yes

3. Card required for: List all your needs. Free LCCT Lounge Access, Paying for Air flights

4. Existing credit cards (if any): Maybank2 card and Ikhwan

5. Interested in CC from:

6. Others: Need to fly every few months and noticed airasia charges RM16 for CC transaction. Will the Airasia mastercard worth to apply to save on this amount?

Thank you.
laymank
post Jul 17 2017, 10:59 AM

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QUOTE(kilazilla @ Jul 16 2017, 12:47 PM)
Hi...
1. Annual Income:  RM60K to RM100K

2. Free Lifetime Annual Fee: yes

3. Card required for: List all your needs.  Free LCCT Lounge Access, Paying for Air flights

4. Existing credit cards (if any): Maybank2 card and Ikhwan

5. Interested in CC from:

6. Others: Need to fly every few months and noticed airasia charges RM16 for CC transaction. Will the Airasia mastercard worth to apply to save on this amount?

Thank you.
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You can consider PBB VS. Use the online cashback to contra the CC transaction fee.
AF waiver with 12x per year.
gilbertgrape
post Jul 18 2017, 02:38 PM

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Hi All,

Will be moving to Malaysia in a couple of months.

Have browsed through the various bank/credit card sites but would like to also hear from users.
Not only am I looking to sign up for CCs, but I also need to sign up for some personal bank savings accounts. I do a lot of transactions/payments online so for me a good APP/web interface is important too.
From what I understand, CIMB has the best app interface - let me know if I am wrong.

Anyway, in regards to the CCs, here are my details:

1. Annual Income: RM500k+

2. Free Lifetime Annual Fee: No.

3. Card required for: List all your needs. AirMiles, Lounge Access, Overseas Transactions

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

5. Interested in CC from: Suggestions please!

6. Others: I am a foreigner. I would like to be able to track expenses on CC via App. Don't care much about cashback as in many cases they are capped.

Thanks everyone!
fly126
post Jul 18 2017, 02:53 PM

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QUOTE(gilbertgrape @ Jul 18 2017, 02:38 PM)
Hi All,

Will be moving to Malaysia in a couple of months.

Have browsed through the various bank/credit card sites but would like to also hear from users.
Not only am I looking to sign up for CCs, but I also need to sign up for some personal bank savings accounts. I do a lot of transactions/payments online so for me a good APP/web interface is important too.
From what I understand, CIMB has the best app interface - let me know if I am wrong.

Anyway, in regards to the CCs, here are my details:

1. Annual Income: RM500k+

2. Free Lifetime Annual Fee: No.

3. Card required for: List all your needs. AirMiles, Lounge Access, Overseas Transactions

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

5. Interested in CC from: Suggestions please!

6. Others: I am a foreigner. I would like to be able to track expenses on CC via App. Don't care much about cashback as in many cases they are capped.

Thanks everyone!
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Citibank Prestige CC
https://www.citibank.com.my/prestige/home_l...CCACPENCCHMCALM
jordanseow
post Jul 18 2017, 10:40 PM

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Hi , anyone can recommend the best credit card that spend in overseas? the lowest charges and the lowest interest or no fxmark up? Thanks ya.
fly126
post Jul 18 2017, 11:11 PM

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QUOTE(jordanseow @ Jul 18 2017, 10:40 PM)
Hi , anyone can recommend the best credit card that spend  in overseas? the lowest charges and the lowest interest or no fxmark up? Thanks ya.
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Pls, post follow the format, so we can recommend a suitable Card for You
Ambank CC
gilbertgrape
post Jul 19 2017, 08:31 AM

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QUOTE(fly126 @ Jul 18 2017, 02:53 PM)
Citibank Prestige CC
https://www.citibank.com.my/prestige/home_l...CCACPENCCHMCALM
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Thanks fly126.

Do you know how user-friendly the citi Malaysia app is?
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