Info for credit card newbies:

1. Minimum income requirement to qualify for a credit card is RM24,000 per annum (effective from 18th March 2011). You must be able to submit proof of your income.

2. Minimum age to qualify for a Principal credit card : 21 years old. Supplementary cardholders: at least 18 years old.

If you do not/cannot meet the above requirements, then you are not qualified for a credit card. You still can go get a debit card and enjoy the convenient similar to a credit card.

3. If you are a foreigner or your income is from overseas (e.g. you work in Singapore), please refer directly with the bank if you are eligible for their credit cards

4. There is no such thing as the best credit card, it depends on your needs and each card has its own benefits.

5. For those earning less than RM36K, your credit limit should be 2X your monthly income in accordance to BNM guidelines. For those earning more than RM36K, the credit limit assigned to you is entirely up to the bank. With BNM latest guidelines, banks are no longer allowed to increase a cardholder's credit limit without his/her consent.

When choosing a credit card, below are things to consider

1. Free Lifetime Annual Fee - if the card does not come with automatic annual fee waiver, e.g. 12 swipes per year, then you have to waste time requesting for annual fee waiver yearly.

2. What is the main purpose of you getting a credit card? - Petrol, Cash Back/Rebate Only, Overseas Transactions, Golf, Installment Plans, Airport Lounge etc. Do some homework and you shall benefit from using the right credit card.

3. Convenience in making payment. You are to make payment before the Due Date or else you may be imposed Late Penalty Fee and Interest Charges.


For Recommendation - please post according to format in Post#2 below.


Actions required after you get your first credit card.

1. Read the Terms and Conditions of your credit card.

2. CLICK HERE and read this thread so that you won't be conned.

3. Call Customer Service (number behind your card) and request that your credit card sms alert default value to be set to RM1. Click here to the relevant thread.

4. Click here to read my article Credit Card Fraud Calls and Banks Default Value for SMS Alert in order to reinforce into your head so that you won't be conned.


Gen-X's recommendation for those new to credit cards and looking for cards to replace the once upon a time wonderful Maybankard 2 Cards AMEX:


Annual Income RM24K/year to RM30K/year.


UOB One Card:

Pros - good for Petrol as it earns you 2% and 5% cash back for all stations on weekdays and weekends respectively. However the cash back is capped at RM15/month, i.e. up to RM300 petrol. And if you pump at BHP, you get to earn SMART$ too PLUS BHP points.

Cons - No auto annual fee waiver (currently as of July 2015, first two years annual fee waiver). UOB revises the T&C of their credit cards very frequent.


CIMB Cash Rebate MasterCard:

Pros - FREE FOR LIFE, no whatsoever conditions. 5% cash back for Online Spending and 2% cash back for Petrol, Groceries and Utilities.

Cons - 0.2% cash back for other type of spending.


Hong Leong Bank WISE Gold Visa:

Hong Leong Bank Wise Platinum Visa:

Pros - It earns you up to 10% cash back for Petrol, Groceries, Utilities and other categories.

Cons - The 10% cash back is only limited to 2 categories PLUS you must swipe a least 10 times where each swipe shall not be less than RM50. NO annual fee waiver.


Hong Leong Bank Essential Visa:
• 0.6% unlimited cash back on insurance transactions Or Other retail transactions, NO CB for Petrol transaction
• 0.6% cash back on RM5,000 spend (tier 1)
• 1% unlimited cash back on subsequent spend (tier 2)
News_and_Updates.pdf

Pros - UNLIMITED 1% cash back. Annual fee auto waived with just 12 swipes.


Minimum Annual Income RM30K/year.

Maybank Islamic MasterCard Ikhwan - for those who need a cash back credit card for Petrol and Groceries:

Pros - FREE FOR LIFE, no conditions whatsoever. You will earn 5% cash back for Petrol and Groceries every Friday and Saturday.

Cons - Supplementary cards are not entitled to the 5% cash back for Petrol and Groceries.

Click here to read my review of the Maybank Islamic MasterCard Ikhwan Gold and Platinum.


Maybankard 2 Cards -This is a combo package where you are issued an American Express and you can decide to partner it with either a Visa or MasterCard:

Pros - FREE FOR LIFE, no conditions whatsoever. The MBB 2 AMEX earns you 5X Treats Points everyday for any transactions which is like approximately 1.25% cash back when redeeming for cash vouchers. You will get additional 5% cash back for Dining only (effective 1st August 2015) with the MBB 2 AMEX on Saturdays and Sundays.

Cons - The MBB 2 Visa or MasterCard only earns you 1X Treats Points.


Minimum Annual Income RM60K/year.

Hong Leong Bank Wise Platinum Visa:

Pros - It earns you up to 10% cash back for Petrol, Groceries, Utilities and other categories.

Cons - The 10% cash back is only limited to 2 categories PLUS you must swipe a least 10 times where each swipe shall not be less than RM50. NO annual fee waiver.


Minimum Annual Income RM60K/year.

SCB Cash Back Gold:
Enjoy up to 5% CB per month on Spending, excluded Petrol & Insurance Transactions.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html


Premier Credit Cards - Annual Income RM100K/year and above.

If you are looking for a card that gives you 5% cash back for Petrol and Groceries PLUS FREE 5X entries to Plaza Premium Lounges nationwide without any conditions, click here to read my review of the Maybank Visa Signature.

If you want 6% cash back for Dining, Groceries and Online Transactions, click here to read my review of the Public Bank Visa Signature. The annual fee is auto waived with just 12 swipes! It will soon also gives you 3X FREE entries to Plaza Premium Lounges nationwide without any conditions.

Above recommendations were extracted from my post at my man blog, for more info on other credit or debit cards that may be of use to you, please click here to my Recommendation of Credit Cards at my main blog.

If you are looking for Premier Credit Cards with good Enrich Miles and Krisflyer redemption - click here to Enrich Miles Thread and click here to my Comprehensive Review of The Best Credit Cards for Redeeming Frequent Flyer Miles where I have a summary comparing more than 20 credit cards.

If you are looking for a credit card for free access to KLIA & KLIA2 Plaza Premium airport lounge and airport lounges worldwide click here to that thread.

If you are looking for 0% Balance Transfer, click here to BT Thread. And if you are new to Balance Transfer, please click here to read my article Balance Transfer Plans - Facts You Need To Know before signing up for one.

If you are looking for cards that offers 0% installment plans, Maybank credit cards are accepted at many merchants where you can opt for Ezy Pay starting from 6 months and up to 36 months. However, once again, if you don't have savings please do not sign up for 0% Installment Plans because you will be in debt. And I advise you to go for shorter period. Click here to read my article 0% Installment Plans - It IS A Trap.

If you only pump petrol at Petronas, go to CIMB and Maybank websites and check out their Petronas credit cards.

Last but not least - the only thing that is of importance regarding credit cards is - DO NOT do apply for a credit card if you have no cash or savings to pay for your transactions. Credit card interest rate is very high and many go bankrupt because they have no discipline in controlling their spending. Always settle credit card bills in full monthly, never say just once, if you don't have money today in the bank to pay your credit card bills, what makes you think you will have enough money tomorrow to pay your credit card bills? DON"T be a slave to the banks.

This post has been edited by hye: Jan 3 2017, 11:30 PM

Please use the template provided as shown below and then only post so that the folks here would be are able to recommend you a credit card based on your needs and qualifications
Note : Members are not obliged to reply you if the format is not followed. Do note that members replies/contributions are voluntary.


1. Annual Income: RM24K to RM30K or RM30K to RM36K or RM36K to RM60K or RM60K to RM100K or RM100K to RM150K or RM180K and above or leave blank.

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: List all your needs. Example Petrol, Education, Cash Back/Rebate Only, AirMiles, Overseas Transactions, Free LCCT Lounge Access , Golf, etc or Don't Know.

4. Existing credit cards (if any): List them or Nil.

5. Interested in CC from: Citibank - Premier Miles

6. Others: Please be specific. Example: I am a foreigner or I only want to pay amount due with my M2U online savings account or I want cash back only and no reward points.

By filling up the above, then others can make suggestion based on your needs. Actually, if you list out item 3, you yourself would most probably have answered your question above.

This post has been edited by hye: Jan 2 2017, 10:06 PM

How much your Friend have Pledge to get CIMB CC...???

5k i think to get the CC.

Looking for a new card for bill payment. I got rejected for UOB Yolo so this card cannot liao.

Seems that you gonna Utilized your CIMB CR for Bill payment via Auto Debit/SI.

This post has been edited by fly126: Dec 30 2016, 04:12 PM

Need to set Auto Debit only can get cash rebate? Any other cards I can use? Maybe will force to use the Aeon + CIMB Cash Rebate method?

that's the t&c for cimb cr to get cashback for bill payment.

aeon+cimb, how u intend to do that?

I remember I read somewhere last time, pay with Aeon then pay Aeon bill with other cards. I can't recall if it's CIMB Cash Rebate Or was it for UOB Yolo?

This post has been edited by Duckies: Dec 30 2016, 04:36 PM

Pay AEON via PosOnline using online transactions cash back cards but PosOnline has disabled credit card feature for more than a month now...

this method is paying aeon cc via posonline portal.

and fyi, posonline disabled cc payment mode since early Dec. no news when they reenable back.

Oh wow, I am outdated already. Hmmm any other cards that I can use to pay bills other than UOB Yolo? Else I'll give up and just pay it using any card.

Don't really want to set auto debit/SI.

Additional info, my annual income is not high enough for those card that requires 80k -120k

This post has been edited by Duckies: Dec 30 2016, 04:39 PM

It's just YOLO that I can think of now. Try applying again or appealing to UOB.

Yea I also can only think of that. I tried appealing once but still got rejected. They never gave me the reason though

CCRIS OK? Have you checked that part? Any PTPTN outstanding before this?

Could be affected by PTPTN. I stopped paying a while and then started to pay every month since then. Could be the outstanding balance from PTPTN.

Maybe UOB is very particular on PTPTN loans

Yes, then that's the case. Just make sure it is showing good consistent payment only start applying again.
Not UOB particular with PTPTN loan, it is just that your CCRIS is not beautiful anymore. All banks will have the same evaluation anyway.

This post has been edited by fruitie: Dec 30 2016, 05:01 PM

Summoned on Dear hye,

Can you Pls, Update info of some CC becos SOME already Outdated ie,
TQVM...

i) Remove the Watami CC from the list becos this Card is No longer available (discontinued)

ii) Revision of HLB Essential:
• 0.6% unlimited cash back on insurance transactions Or Other retail transactions, NO CB for Petrol transaction
• 0.6% cash back on RM5,000 spend (tier 1)
• 1% unlimited cash back on subsequent spend (tier 2)
https://www.hlb.com.my/main/assets/files/ne...and-updates.pdf

iii) Add SCB Cash Back Gold: Enjoy up to 5% CB per month on Spending, excluded Petrol & Insurance Transactions.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html
&
iv) Alliance You:nique Credit Card (Up to 3% Cashback) into the list of CC Recommendation for Annual Income RM24K/year to RM30K/year.

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

http://www.alliancebank.com.my/youniqueia

v) Revision on Hong Leong WISE Platinum and Gold Credit Card Terms and Conditions
https://www.hlb.com.my/main/news/20160906-0...ise-card-update

NOTE: Revision of Hong Leong Credit Card Rewards Points and Cash Back

Effective 16 June 2016, please be informed that all Government and JomPAY related transactions performed via any Hong Leong Credit Card, shall be Excluded from the computation of Rewards Points and awarding of Cash Back.

https://www.hlb.com.my/en/personal-banking/...-cash-back.html

This post has been edited by fly126: Jul 18 2017, 11:01 AM

what is the recommended card to pay PTPTN loan?
thinking of making a lump sum payment to take advantage of 15% discount.

I) Alliance You:nique (Up to 3% Cashback)

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

http://www.alliancebank.com.my/youniqueia

II) SCB Cash Back Gold- Enjoy up to 5% CB , excluded Petrol & Insurance Transactions
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

This post has been edited by fly126: Dec 30 2016, 09:22 PM

thanks bro. the you:nique card seems good, just to confirm for example i spend 3500 a month, does it mean i get 3% cashback on 3000, and 0.3% on subsequent 500? or is it only 0.3% of 3500?

the stanchart card seem to mention retail spend, not sure of it applies to gov related payments..

Pls Check on these Posts...
So far I think got forummer Reported manage to get Cash back on PTPTN payment with their SCB CB Gold, also...

This post has been edited by fly126: Dec 30 2016, 10:13 PM

But I could get credit cards from other banks such as Citibank, HSBC and PBB

Is it You manage to get ALL these CC before Mac 2016, I think after Mac 2016 they baru Implement the CCRIS Stingy Thing

This post has been edited by fly126: Dec 30 2016, 10:25 PM

Well, probably it's really UOB strict.

Nah, my latest card application was just last month I guess UOB is pretty strict on this.

i see.. ok thanks bro..
will consider whether to apply!

FYI, There has SCB temp booth at 1u shopping mall this weekends if you stay KV

Maybank VS does not allow PPL access anymore, correct?

This post has been edited by fruitie: Jan 2 2017, 07:37 PM

Yes, no more. However, you quoted a long post. I have edited it to ease mobile users...
Next time you can just remove whatever that's not relevant.

Good point

https://www.sc.com/my/campaign/justone-platinum/

Not bad.. looks interesting

Any card that give better cash back on groceries shopping at giant? Last time UOB lady card have , but now they remove this benefit.

I don't spend that much so I don't think I can meet wise card requirement to get the 10% cash back. Any other recommendation ?

what other cards are you having? if u follow template, at least we can review and give proper recommendation

just top of my head...

maybank ikhwan Mastercard
maybank visa signature
public bank Visa signature
cimb cash rebate
hlb mach

Why no longer have access. I received my card last 2 month and I used it 3 weeks ago.

Hi, can recommend cashback card based on below?

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol (Monthly RM200), Cash Back/Rebate, groceries (monthly RM200-300)

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

5. Interested in CC from: any

6. Others: -

Maybank Ikhwan Mastercard

Err.. MBB VS already removed PPL access since March 2016. I hope you won't be charged in your bill later.
It is already announced that time in MBB VS site.

Gotta make sure at least RM 30k per annum.

Noted. Thank you.

Yes.

hye pls Remove/ update, ...There will be NO more min retail spend of RM100 of the month needed in order to qualify for the cash back on HLB Essential now.

the link not working also, pls Update this the Correct one: https://www.hlb.com.my/main/assets/files/ne...and-updates.pdf

TQVM

This post has been edited by fly126: Jan 3 2017, 10:01 PM

Nope they didn't allow free ppl access when I was in Langkawi 6 weeks ago.

1. Annual Income: RM60k to RM80k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: air ticket / travelling for maybe next year.

4. Existing credit cards (if any): Wise, Mach, New Aeon, Aeon Big, Ikwan Visa/Master, M2Card, CIMBCR

5. Interested in CC from: no idea.

6. Others: - I have only check citibank airasia cards but it comes with AF.

The free access should have been removed last year.
BacktoBasics if you are not being charged, then you are very lucky!

UOB YOLO to purchase air ticket.

1. Annual Income: 80k to 90k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Access to airport lounge, rebates for utilities/petrol

4. Existing credit cards (if any): Maybankard2 and CIMB rebate

1. Annual Income: 25.2k

2. Free Lifetime Annual Fee: Yes

3. Card required for:
- utilities/petrol/groceries/
- plan to buy at senheng using installment. TV/refrigerator.

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

5. Interested in CC from : maybank /cimb. recommend me.

CIMB Cash Rebate then. It is a not too bad all rounder card.

Maybank needs at least 30k per annum.

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/3988506
OR
ii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat.

This needs RM 30k per annum. Else, I would have suggested it as well.

thanks all, appreciate that, that MBB Ikhwan Mastercard gold rite, ill try to apply,

mana tau nasib baik bole dapat .
thanks again

Yes, can try but this card has the highest rejection rate so far among other cards even if one fulfills the salary requirement.

For HLB Wise Card, need to spend at least RM2k to get the 10% cash back.

"10% cash back all year round.

Maximize your returns with the highest, fixed cash back in town. Enjoy 10% cash back on your chosen spend categories all year round. Use it when you want it, where you want it.

Just make a minimum of RM2,000 posted retail spend in a calendar month, you’ll get to enjoy the 10% cash back on your spending in the selected categories of your choice."

source: https://www.hlb.com.my/main/personal/cards/WISE-card

And then? Nothing new for HLB Wise.

and don't forget the RM100 cap

Hi, can recommend reward points card based on below?

1. Annual Income: RM100k above

2. Free Lifetime Annual Fee: Not necessary but maxiumum RM200+

3. Card required for: Reward points which doesnt expire.. So far i can only find Citibank

4. Existing credit cards (if any):

5. Interested in CC from: any

6. Others: -

Maybank 2Cards
* It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period
* The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement.
* 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.
* Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay.
* NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies.
* Uses the Treats Point on Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period

Yes, Maybe Citibank Card Privileges (Offer or Promo) + Evergreen Rewards Point No Expired which are their Perks an Undeniable Temptation to some of us here, but however most of the Citibank CC do come with an Annual Fee. Ya, You may Request Annual Fee Waiver from Citibank Every Year but Sometimes also Subject to their Approval, they give or not...

Meanwhile, Maybank 2Cards will Benefiting U with 2 cards, Maybankard 2 American Express® Card & Maybankard 2 Visa / MasterCard, in 1 Sign up, and 1 Statement plus, the MBB 2 Cards also is Lifetime Fee Waiver with NO T&C's Applied on

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)
Although the their Treats Point do come with 3 Years Expiration Period but it may even Better than Citibank CC just Plain RM1 /1 Rewards Point. Somemore, FYI... NO Point will be Rewarded on Petrol Purchase with Most of the Citi's Credit Card https://www.citibank.com.my/ICARD/subapp/re...rewards-tnc.pdf



This post has been edited by fly126: Mar 23 2017, 02:45 AM

Anyone know the term and conditions on applying supplementary credit card? Some background information, both my wife and myself kena rejected from credit card application in the past few months, which due mainly to no sufficient supporting document provided (I believe so). Those rejected application is applied in the shopping center – with free power bank.

I believe that if we provide sufficient supporting we should able to get credit card easily. Now, I plan to apply a supplementary credit card to my wife, just wonder whether we need to provide those document or not..

No Income Documents Required, Jz your supp. Card Applicant (a copy of your Wife IC ) needed only on this.

thanks thanks..

Thank you very very much for the long and detailed reply, its people like you that makes me enjoy this forum!

I already have Maybank 2 Cards as it is free annual fee. But dont feel nice cause points keep expiring! I really like the cashback as well. Might consider getting the Citibank Clear card since the annual fee is low compared to others.

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Must, or can be waived annually

3. Card required for: Air Miles, best for purchasing on aliexpress and facebook advertising

4. Existing credit cards (if any): CIMB Cash Rebate Mastercard

5. Interested in CC from: Any

6. Others: I am looking for the best card to get either cash back or collect points to exchange for cash vouchers or air miles. I will be using the card for purchases on aliexpress and also running facebook advertisements

Please recommend me some suitable ones for me. Thank

This post has been edited by fly126: Jan 12 2017, 10:00 PM

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol

4. Existing credit cards (if any): Nil

5. Interested in CC from: Maybank petronas ikhwan card or Maybank2card for the AMEX card

6. Others: Please be specific: I am travelling by car over 120km everyday, so i am looking for card with the most points reward or cash rebate.

Please recommend the best solution. Thank you.

This post has been edited by blitzbullet: Jan 15 2017, 02:25 PM

Maybank Ikhwan MasterCard and Petronas Visa.

But, for Petronas Visa, the benefit only for weekends? I am refilling petrol every 2 days. That is why I am considering the Amex (maybank2kard) for the 5x points reward, but not sure if can be used at most petrol pumps or not

Jz 1x Point on Petrol...

where are you located?

if you are nearby Petronas Puchong-Sg Besi Bypass, go there on weekend.

buy petronas gift card, reload the gift card with mbb ikhwan petronas there. assuming your daily mileage of 120km consumes RM20 petrol per day, 5-day week is RM100 petrol worth. so, reload the petronas gift card for about rm100 per week usage or rm200 for about 2 weeks usage. at least the gift card credit can be used anyday.

caveats are:

1) only one petronas location so far reported allow cc to reload gift card. and also tng too. waze this >> Petronas Puchong-Sg Besi Bypass
2) reload on weekend, sat and sun. pump with gift card if needed on weekdays, pump at any petronas on weekends.
3) there is a surcharge when reloading gift card/tng card. if reload RM100, surcharge is 1% or RM1. reload rm150, surcharge is RM2 (rounded up). RM100+RM1 surcharge will be both charged to the card, and in return should get 8% cb for that amount (RM101).


add-on:

Petronas Hartamas got sell Gift card Rm100 with value RM105 inside card. cannot use cc to buy. use cash to buy this gift card first. upfront got 5% extra dy. then drop by Petronas Puchong-Sg Besi Bypass on future weekends to reload.

This post has been edited by cybpsych: Jan 15 2017, 07:40 PM

Thanks for the suggestion. But cant work for my case since I am traveling all the way from Karak to Genting Highland.
Anyway, I have another random question, does using maybank zing card (linked to amex) will give you points for reload? I suspect not lol.

Don't see any good HSBC card for cashback (the Amanah one is meh, need to spend over 2k to get 8% CB) just to take advantage of the RM300 Lazada voucher

I supposed yes for the Zing card. I don't see why it's not.

Nothing interesting with HSBC cards. One of the banks which I have banned. Got tricked by them to sign up. When signed up told me after I spent x amount I will get a tablet which I did, called CS and they told me I'm not eligible as it's over. I should be entitled for Cerruti 1881 watch instead but at the end still didn't get anything because they told me both also not eligible. I was so silly that time I didn't complain to BNM.

You're not silly. Just being "newbie".

Maybe but didn't cross my mind that time, I still remember I was on assignment in Beijing. I was so pissed off and called to cancel immediately.
That time already 4th year using CC.

1. Annual Income: RM 170K-RM200K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Marriage expenses this year and uses of the recommended card/s is/are gonna be for wedding preparations and booking of hall, etc., so would like to garner as much cash back as possible.

4. Existing credit cards (if any): CIMB Preferred VI , CIMB CR Platinum, AmBank WMC, PBVS, Aeon Gold Mastercard, RHB VI, MBB VS

5. Interested in CC from: Any bank

This post has been edited by drbone: Jan 16 2017, 11:39 AM

HLB Essential, Alliance You:nique, SCB Cash Back Gold.

This post has been edited by fly126: Jan 16 2017, 11:52 AM

So among these 3, if there is a monthly expenditure of , let's say, RM 2000 which isn't inclusive of petrol, groceries, or insurance payments , SCB cash back would be the best among these 3?

got rejected for Maybank Ikhwan Petronas Card.

quite bummed about it. immediately went to CIMB and applied for Cash Rebate & CIMB petronas cash rebate card. got approval after one hour. But still, liked Maybank because of the treats points. Now dont see any reason to use my Maybank 2 card

i) SCB Cash Back Gold - The way to maximize the Cash-back % is by spending exactly (RM) 500, 833 or 1500 (Not Petrol & Insurance) & You will get either 2%, 3% or 3.33% effective cash back.
https://www.sc.com/my/assets/pws/pdf/CashBa...Product-TnC.pdf

ii) Alliance You:nique - RM3000 (Spend) = RM (1000 x 0.5%) + (1000 x 1.5%) + (1000 x 3%) = 5 + 15 + 30 = Max. RM50 CB, & after RM3k it's Only 0.3% (No Cap).

Monthly Spend (RM)	Rebate (%)
0 - 1,000	0.50
1,001 - 2,000	1.50
2,001 - 3,000	3.00
> 3,000	0.30

iii) HLB Essential
• 0.6% Unlimited cash back on insurance transactions Or Other retail transactions, NO CB on Petrol transaction
• 0.6% cash back on RM5,000 spend (tier 1)
• 1% Unlimited cash back on subsequent spend (tier 2)
https://www.hlb.com.my/main/assets/files/ne...and-updates.pdf

Courtesy of donhue, BeastX

This post has been edited by fly126: Jan 17 2017, 01:40 AM

Thanks for the informative summary.

Hi fly126,

Tnc states:
2% CashBack on your cashback transactions when you spend a minimum of RM500 but less
than RM800 per month in retail purchases (local and international) on your CashBack Gold
MasterCard as shown in your credit card statement, subject to a cap of RM10 per month.

Does that mean utility bill payments are not included in minimum spending of RM500?

Any Retail Spend will included & Bill payment also entitled for CB. As long as it's NOT a Petrol or Insurance Transaction.

https://www.sc.com/my/credit-cards/goldcard/gold-card.html

This post has been edited by fly126: Jan 17 2017, 03:37 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.

CIMB Cash Rebate card, no fee charged, but giving cashbacks (online, groceries,etc). Good card for all general purpose use.

what would be a good substitute for Maybank Ikwan?