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

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andykok
post Jul 13 2017, 07:44 PM

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Junior Member
240 posts

Joined: Feb 2014
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
andykok
post Jul 13 2017, 09:28 PM

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Joined: Feb 2014
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.
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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?
andykok
post Jul 13 2017, 09:51 PM

Getting Started
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Joined: Feb 2014
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.
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alright noted, thank you so much for all the advice.

gonna apply PBB one thumbup.gif thumbup.gif

have a nice day bro
andykok
post Jul 13 2017, 10:28 PM

Getting Started
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Junior Member
240 posts

Joined: Feb 2014
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
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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...
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... «

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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=)

andykok
post Jul 27 2017, 10:23 PM

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QUOTE(cybpsych @ Jul 27 2017, 11:27 AM)
choose those Flexipay plans with 0%! here's how it works..

Note: Quantum need only RM1.2k for Flexipay 12mth 0%. Other PBB cards need RM2k for Flexipay 9mth 0%.

1) swipe a big amount from a merchant.
2) after the transaction got posted (about 1-3 days, varies from merchant to merchant), call PBB CS to convert to Flexipay.
3) next day, you'll see the original amount will be "reversed", then 1st installment amount charged.
4) in your statement, it will show the Installment # count and remaining installments. Every new statement, the # count will increase, the balance will reduce.

Final installment:

user posted image
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thank you so much for sharing.

Yesterday I got PBB message for my CC approval~ can't wait for it to arrive drool.gif drool.gif drool.gif
andykok
post Aug 7 2017, 10:25 PM

Getting Started
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Junior Member
240 posts

Joined: Feb 2014
QUOTE(fly126 @ Aug 7 2017, 08:23 PM)
Ya, I afraid so... sweat.gif
Actually got Few of it but Your Salary not meet their min.
Requirement or the card do have AF.
MBB VS, PBB VS.
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shi fu ,

what do u think getting UOB one card mainly for petrol purpose?

i know there is AF, but do u think it is easy to waive the AF ? hmm.gif
andykok
post Aug 9 2017, 08:44 PM

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Junior Member
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Joined: Feb 2014
QUOTE(fly126 @ Aug 8 2017, 03:14 AM)
Like SzeMeng76 suggested you to get  CIMB CR Mastercard becos if is Free for Life, NO need every year call CS request for AF waiver, Hassle-less
As UOB One got their CB cut reduce benefit recently, their card become Less & less interesting now... sweat.gif

I'm Sorry to heard that U have been rejected on MBB Ikhwan, M2C recently,  If U Insist or wish to have better CB Return on Petrol,  I would suggest Citibank Cash Back Card to You. As AF waiver will subject to their Approval, from time to time. But I can noticed that recently, the Banks they are more Keening to waive the Fee for us jz to retain Us as their Customer compare to last time. Myself, held both UOB, Citibank cards since 2012 also not been charged AF Before, eventually, after they do charge, They waive, revised back for me also nod.gif

Definitely, Both UOB & Citi Card AF will be waived  for the 1st Year. However, my UOB cards get me up to 5 Years straight, Fee-less..! bruce.gif
I been told currently NEW Signup of Citibank Cards can get up to 3 Years AF waiver thumbsup.gif

Jz remember try to request  AF Waiver when Your card Annual is Near...! nod.gif

user posted image
https://www.citibank.com.my/global_docs/pdf...isition-TnC.pdf

https://www.citibank.com.my/accope/index.ht...MYCCUGLENCTCAAN
Jz Recapped on UOB One Card & Citibank Cash-Back Card
» Click to show Spoiler - click again to hide... «


Btw, Congratz  with Your PBB Quantums & may Happy go Shopping to U laugh.gif  tongue.gif  thumbup.gif
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Struggling in choosing between these 2 , I find out that the UOB one give slight higher cash rebate for petrol and cheaper AF. However, as u mentioned i can get 3 years free AF if I first time apply for Citi Bank Cash Back Card Plantinium,

I will take some time to decide .hahaha.

thank you so much bro, i mostly use the Quantum Master (Online & Dining purpose)

have a nice day bro rclxms.gif

 

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