Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

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

views
     
Avangelice
post Aug 23 2018, 02:53 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


1. Annual Income: 100k

2. Free Lifetime Annual Fee: yes

3. Card required for: cash back and for turning points to airmiles

4. Existing credit cards (if any):
Maybank 2 platinum and maybank ikhwan.

with sst in force I would rather have all three turned into a unified one card
Avangelice
post Aug 24 2018, 09:19 AM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(fly126 @ Aug 24 2018, 12:55 AM)
Since, You already got MBB 2Cards (for Weekends) also as Air-miles Collecting  CC, You may ADD Maybank FCB VS (for Weekdays) as your MISC. Card to earn more cash back Then, can Cut off MBB Ikhwan on SST Saving purpose... icon_idea.gif 
* Lifetime Fee Waiver
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
PETROL - MBB Ikhwan Visa/ Mastercard, CIMB CR Mastercard, MBB 2Cards, Maybank FCB VS, UOB One, Citi CB Card, MBB Visa Signature.
*
thank you bro
Avangelice
post Mar 10 2020, 03:04 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


I helped my bank agent by applying this Hong leong dual card promotion in which I am given the Hong LEONG sutera card and Hong leong essential card.

I am currently using Maybank dual platinum Amex and visa.

Which one shall I keep? Thank you guys
Avangelice
post Nov 17 2022, 10:58 AM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


Hi guys, I'm at a lost with my sutera credit card vs the infinite Hong long credit card I am thinking of applying. I am a heavy spender with my cc and all these while I have been converting all my points to enrich.

Based on sutera's ability, I get 8x points for spending and conversion rates are 12000 points to 1k enrich where as the infinite is 2.8 myr to 1 point enrich.

Which do you think I should turn to as my primary?

https://www.hlb.com.my/en/personal-banking/...edit-cards.html

This post has been edited by Avangelice: Nov 17 2022, 10:59 AM
Avangelice
post Nov 17 2022, 11:07 AM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(CoolCatToM @ Nov 16 2022, 10:20 AM)
Looking for Credit Card recommendation.

1. Annual Income: 70k to 80k

2. Free Lifetime Annual Fee: Free for Life / waivable

3. Card required for: Local dining and retail shopping, online shopping, ewallet (if possible, for bigpay and grab)

4. Existing credit cards (if any): Public Bank Quantum Mastercard (archive in my drawer already), Maybank 2 Gold Amex, Maybank Barcelona Visa Signature, HSBC Visa Signature, CIMB e credit card

5. Interested in CC from: Any

6. Others: Focus on Enrich mile collection
Want to focus more on Enrich miles collection, KF miles collection is a plus but not mandatory (since it's not convenient for me to fly from Kuching, long transit time at Changi Airport).
Currently in my mind is Alliance Bank VI with lounge access, and Hong Leong Bank Sutera.
But I'm still hesitating and not sure which one to choose.

My current thought for:
Alliance Bank VI
- Good for ewallet reload and online transaction, max capped at RM3000. But this focus more on online transaction. My BigPay top up can be utilized by my CIMB e Credit Card
- Unable to get good reward for offline dining and local retail spend.
- Using grab pay but not many place accepted in Kuching
- Considering this card because of PPL access at airport in Malaysia, my HSBC Visa Signature only allow me to enter KLIA Satellite Building PPL.

Hong Leong Bank Sutera
- Online shopping good reward limited to payment with GrabPay/Touch & Go, and Lazada/Shopee (which I shop the least).
- Good reward point for local dining, groceries, and essential (watsons and guardian)
- Unable to get good reward for normal online transaction
- No PPL access
- Unlimited reward point collection

Hopefully to get some inputs for my decision. Recommendation for other cards are welcome as well. Thanks in advance.
*
Bro I'm a user of sutera and they removed the lounge access recently. Conversion rates is 12000 cc points to 1000 enrich points. Which is myr 12 to one point. But based on our 8x. Meaning 1 myr spending x 8 multi =8 myr to 1 point
Avangelice
post Nov 17 2022, 12:49 PM

Look at all my stars!!
*******
Senior Member
5,272 posts

Joined: Jun 2008


QUOTE(fruitie @ Nov 17 2022, 11:19 AM)
Err... It is 12000 points = 1000 miles.
RM 1,500 (*8) = 12000 points
RM 1500 = 1000 miles
RM 1.50 = 1 mile.
*
So sutera is better? Okay then. I'll keep this.

 

Change to:
| Lo-Fi Version
0.0235sec    0.46    7 queries    GZIP Disabled
Time is now: 13th December 2025 - 07:49 AM