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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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DarReNz
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 Apr 4 2017, 08:31 PM
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QUOTE(fly126 @ Mar 31 2017, 11:10 AM) 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) However, 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/3988506ORii) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat you seem quite active on CIMB card, you should apply TS for it  |
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DarReNz
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Apr 5 2017, 10:05 AM
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QUOTE(fly126 @ Apr 4 2017, 11:16 PM) oh ok cos you keep promoting CIMB CB card lol nvm you can apply for Quantum card now  |
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DarReNz
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Apr 15 2017, 03:28 PM
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QUOTE(-kytz- @ Apr 15 2017, 02:07 PM) 1. Annual Income: 40k 2. Free Lifetime Annual Fee: Yes pls 3. Card required for: On any transaction. Need the Highest unlimited XX% cashback (uncapped) and no AF (because I hate to apply and cancel) 4. Existing credit cards (if any): MBB Ikhwan Petronas, MBB Gold Master card, HL MACH, HSBC Amanah MPower 5. Interested in CC from: - RHB Business Plat/Visa 1% unlimited CB on retail transactions (No AF) 6. Others: Ocassional big $$ spending. Will be spending a total of RM20k on Malaysia Airlines flight tickets soon..if you are spending rm20k better apply m2cards, can get 5x points and 5% cashback when you buy on weekends  |
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DarReNz
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Apr 15 2017, 07:00 PM
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QUOTE(-kytz- @ Apr 15 2017, 03:56 PM) Actually I can consider that. For me, points are just points. It's important to see what the points are actually worth. Assuming I get 100K points by spending RM20k during the weekends with the card. What can 100k points give me? I checked their treatpoints catalogue here: http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions90k could get me RM200 vouchers.. To also add in RM50 for the 5% weekend cashback. if you redeemed On-The-Spot at MB Card Centre, you actually get RM250 vouchers http://www.maybank2u.com.my/WebBank/OTS-ctlg.pdf |
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DarReNz
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Apr 18 2017, 11:56 AM
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QUOTE(jay2you @ Apr 18 2017, 10:59 AM) Looking for M2 cards as well, duno which CB is better.  Citi CB card got annual fees right? QUOTE(adele123 @ Apr 18 2017, 11:46 AM) My perspective la... M2 Cards no annual fee great, but for petrol, if you are driving to work and frequent usage, it's kinda hard to just pump petrol during weekend. If you can managed, great. If not, citibank cash back. Annual fees? Use one year, then see if Citi waives, if not, bye lo doubt that citibank will waive fees your primary card will be m2 cards and if they don't accept amex, you can use quantum cards  This post has been edited by DarReNz: Apr 18 2017, 11:56 AM |
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DarReNz
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Apr 18 2017, 08:09 PM
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QUOTE(fAr3z @ Apr 18 2017, 04:32 PM) Hi All, 1. Annual Income: RM90K and above. 2. Free Lifetime Annual Fee: Yes could be better. 3. Card required for: Petrol, Easy payment, Bill payment, insurance. 4. Existing credit cards (if any): None except debit card 5. Interested in CC from: none 6. Others: I'm new to CC and don't have any idea at all on the pros of having it. Avoiding to involve on CC previously as I have seen a lot of bad example due to money management. But then, recently i just have a thought that i need it for buying some home appliances with easy payment scheme. Kindly advise me on this. if your insurance/bill payment you are using online to pay, can get public bank quantum cards, 0% interest flexipay for 12 months with min rm1.2k https://forum.lowyat.net/index.php?showtopi...post&p=84425714for petrol can apply mbb VS / mbb2cards This post has been edited by DarReNz: Apr 18 2017, 08:31 PM |
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DarReNz
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May 1 2017, 07:46 PM
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QUOTE(sterogue35 @ May 1 2017, 06:03 PM) Hello 1. Annual Income: basic salary of 430,000 SEK (Equivalent to ~ RM 220,000) 2. Free Lifetime Annual Fee: Yes but not a must 3. Card required for: Airmiles, Cash Back/Rebate, Overseas transactions, Lounge access. » Click to show Spoiler - click again to hide... «
Monthly expenses :
RM 5000-6000 for private hospital bills for chronic disease
RM 1000 for utilities - TM Internet, Electricity, Water
RM 1000 for petrol
RM 2000 for shopping - mainly at Mydin
RM 1000 for shopping - overseas
Once every 3 months - flight ticket with Malaysia Airlines/Oneworld valued at RM 5000 per round trip.
4. Existing credit cards (if any): Never had a credit card
5. Interested in CC from: Any
6. Others: I am Malaysian working abroad in Europe. Never work in Malaysia and never had any taxes paid in malaysia. Always pay taxes abroad. Never had any asset/house/land/property in malaysia. Never applied for any PTPTN or any other loan. No credit card in Malaysia. Have bank account in Malaysia with Public bank. Transfer every month to Malaysia min RM 10K for above expenses. Not sure how to apply for credit card in Malaysia or if it is possible to due to zero credit history and tax history. Thinking of applying credit card for emergency situation and since there is regular expenses amounting to RM10K, then hopefully to accumulate some points for reward redemption or cash back or any other benefit.
thank you.
 you can apply for public bank VS Overseas income • 3 months payslips • Employment Letter This post has been edited by DarReNz: May 1 2017, 07:56 PM |
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DarReNz
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May 16 2017, 08:40 PM
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QUOTE(sterogue35 @ May 1 2017, 09:00 PM) I have all the documents but in local language. Should I translate them by myself or hire an official translator or should I just provide all the photocopy as it and the bank will fix it themselves? thanks. you can translate it yourself and send it to the bank, check out the public bank thread https://forum.lowyat.net/topic/4251865 |
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DarReNz
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May 29 2017, 07:53 PM
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QUOTE(fluupers @ May 29 2017, 05:45 PM) Hi! Need recommendation for my first credit card 1. Annual Income: RM80k to RM110k 2. Free Lifetime Annual Fee: Yes or reasonable fee 3. Card required for: Petrol, dining and groceries 4. Existing credit cards (if any): 5. Interested in CC from: any 6. Others: i'm foreigner try public bank VS for dining and groceries, for petrol you can go for m2cards / visa signature  |
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DarReNz
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Jun 7 2017, 08:24 PM
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QUOTE(fly126 @ Jun 7 2017, 04:06 PM) In That Case, U may Use FD Pledging Lock-In (RM35-50K) to get CC. As both of Ambank & PBB also accept FD Pledging to obtain Credit Card. U can not withdraw the FD, if you take it out & Your CC will be cancelled also, try to query with the Bank. / PBB Visa Signature - 6% CB on Groceries, Dining, Online Spend +3 x Complimentary Access to Plaza Premium Lounge Malaysia It's a Lifetime Fee Waiver Card with 12x Swipes p.a. AmBank VISA Infinite Card /AmBank World MasterCard (Income Requirement: RM120K p.a) • 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia. • All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in. • 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 with over 50 airlines partners. (Note: 5,000 AmBonus points = 1,000 Air Miles)http://www.ambank.com.my/eng/cards/visainfiniteAmbank accepts overseas income ? |
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DarReNz
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Jun 13 2017, 07:50 PM
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QUOTE(daniel2006 @ Jun 13 2017, 02:31 PM) Annual Income: RM80,000 2. Free Lifetime Annual Fee: A Must 3. Card required for: Balance Transfer (0% main purpose) 4. Existing credit cards (if any): MBB 2cards platinum 5. Interested in CC from: any... 6. Others: ( i just read MBB offer BT... eg: if my outstanding is 5k, and my limit is 13k. can request for BT to enjoy lower %interest within the same card?) *any suggestion to pay less interest... monthly pay more than minimum payment. you can apply 0% BT from public bank or aeon |
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DarReNz
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Jun 20 2017, 07:10 AM
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QUOTE(moon'prong @ Jun 20 2017, 03:27 AM)  orang tamak here looking for advice: 1. Annual Income: RM60k range 2. Free Lifetime Annual Fee: free annual or with limited swipes to waive 3. Card required for: all kind of retail purchase not include petrol/telco  4. Existing credit cards (if any): maybank dual amex+master 5. Interested in CC from: cash back on retail 6. Others: dont mind for points, just want cash back or other benefit? currently have maybank dual with 5% cash back on amex, petrol/telco/anything accept amex still under capped limit every month, just think of getting a 2nd card for alternative/ backup use with.. cash back for non amex  you can go for the next dual quantum cards by public bank  This post has been edited by DarReNz: Jun 20 2017, 07:10 AM |
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DarReNz
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Jun 20 2017, 08:28 PM
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QUOTE(moon'prong @ Jun 20 2017, 05:51 PM) But i rarely online shopping and go departmental store  Â Mostly spent on retails well there isn't just one card that covers everything perhaps you can consider SCB Cashback Gold, take note of the min spend of $500  This post has been edited by DarReNz: Jun 20 2017, 08:28 PM |
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DarReNz
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Jun 21 2017, 07:02 AM
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QUOTE(+ @ Jun 20 2017, 10:50 PM) 1. Annual Income: 70k 2. Free Lifetime Annual Fee: Must. 3. Card required for: Petrol(mostly caltex now), Insurance, Bills (Maxis, TM, Tnb etc.) 4. Existing credit cards (if any): Maybank mastercard gold. 5. Interested in CC from: - 6. Others: Sometimes for shopping (include online). Need have subcard also (for wife). Still using mbb cause easy do payment from mb2u. Advise if need keep mbb for backup or can just potong. since you have existing maybank card, you can also get m2cards |
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DarReNz
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Jun 23 2017, 06:22 AM
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QUOTE(fruitie @ Jun 21 2017, 03:00 PM) Though I suggested people to use FD to apply cards but I'll not do that for myself. AmBank WMC/VI is coming soon, end of this year or early next year with EA form should be no issue. you mean you gonna hit 120k so that you can apply WMC/VI ?  |
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DarReNz
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Jun 24 2017, 09:33 PM
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QUOTE(westlife @ Jun 24 2017, 09:41 AM) no point to read back the old posts, if u searched the thread, it was years back thread. it is not going to be relevant now and no point to even look at it. you are still holding the titanium ? back in the days this card was one of the best  This post has been edited by DarReNz: Jun 24 2017, 09:36 PM |
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DarReNz
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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 |
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DarReNz
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Jul 20 2017, 11:59 AM
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QUOTE(bRainstoRe @ Jul 20 2017, 11:28 AM) 1. Annual Income: RM37000 2. Free Lifetime Annual Fee: No. 3. Card required for: Petrol, Groceries, bills, Cash Back. 4. Existing credit cards (if any): Nil. 5. Interested in CC from: RHB Smart Value Card 6. Others: Rejected by Citi & Maybank card. apply for public bank quantum cards  |
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DarReNz
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Jul 25 2017, 01:35 PM
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QUOTE(zhi @ Jul 25 2017, 11:50 AM) Hi all, looking to get some recommendations 1. Annual Income: RM 30 k 2. Free Lifetime Annual Fee: A must 3. Card required for: Petrol (Shell), Maxis bill, movie, dining & hotels 4. Existing credit cards (if any): Nil 5. Interested in CC from: Any 6. Others: Regarding Annual Fee: 1st year free or waived with conditions are acceptable. No reward points. This will be my first CC Thank you! go for maybank 2 cards  This post has been edited by DarReNz: Jul 25 2017, 01:35 PM |
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DarReNz
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Jul 25 2017, 02:17 PM
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QUOTE(neo_6053 @ Jul 25 2017, 02:09 PM) 1. Annual Income: >RM70k 2. Free Lifetime Annual Fee: yes or at least cheap annual fee. 3. Card required for: insurance : 600+ online : 200+ petrol: 250+ groceries: 600+ 4. Existing credit cards (if any): UOB One Platinum (Hate it's annual fee, cannot waive), Maybank 2 card (using only the visa, seems not much benefits, not sure should I activate the amex or not coz saw it got 5% cash rebate on weekend. been using it for 10+years) 5. Interested in CC from: any 6. Others : Prefer cash back than treat point coz i will not remember to use the treat point (wasted so many on Maybank) quantum cards will do since you have maybank 2 cards. you should be using only the amex for 5% cash rebate on all spending, visa can just leave in your drawer for cold storage |
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becos I tiada CC from CIMB got kena tendang by them numerous times... I have given up on CIMB already 
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