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

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bearbear
post Jun 30 2017, 10:31 AM

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Joined: Dec 2004
From: Sheffield
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?
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MBB VI or MBB 2 card Premier (VI + Amex Reserve) are pure miles play card

MBB are very strict with min. spending per annum to waive the annual fee of RM800

The VI in both are same, just that 2 premier come with another Amex Reserve card

VI - 50k per annum

2Premier - 80k per annum

Advantage of M2Premier
VI - 2x TP local spending, 5x TP oversea spending
Amex Reserve - 5x TP on any spending

with 5x TP, it translate to 1 mile per RM 0.954 spending

Issue with Ambank is that local spending & online transaction in foreign currency only earn 1x pts while oversea physical transaction it has similar to MBB earn rate. Other plus points with Ambank

1. PPL unlimited access
2. arguably better exchange rate than MBB

This post has been edited by bearbear: Jun 30 2017, 10:35 AM
bearbear
post Jul 1 2017, 01:27 AM

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Joined: Dec 2004
From: Sheffield
QUOTE(timetokill @ Jun 30 2017, 11:22 AM)
It looks like there is not much incentive to spend with the Ambank VI card. Not bad if they give it free for life with unlimited PPL access including supp cardholders.

I have big spending coming up and I think I might be spending 50k this year. MBB VI seems to give better rewards for this spend and I can get another year free. After that I think I will just cancel if I can't waive the fees.
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correct you can apply and use it as first year AF are waived anyway.

if your merchant accept Amex, just get the premier 2 cards. The local earn rate is just amazing

but if your spending is foreign currency then no difference
bearbear
post Nov 1 2017, 01:18 AM

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Joined: Dec 2004
From: Sheffield
QUOTE(aurora97 @ Nov 1 2017, 12:29 AM)
1. Annual Income: RM 150 to 180K
2. Free Lifetime Annual Fee: don't mind.
3. Card required for: Enrich Miles (best conversion), shopping, dinning, utilities, airport lounge (with conditions/limited, don't mind)
4. Existing credit cards (if any): MBB Premieir, Visa Infinite/ Amex Reserve
5. Interested in CC from: Any
6. Others:
Had an impressive run with MBB cards. Every month with RM 50 rebate. Recently, won a prize for RM 500 for payment made to LHDN. I managed to obtain close to 300K TP (with MBB 2 Platinum). Overall I am quite happy BUT lookin at the trajectory of my spending and the upcoming anniversary for my card, it looks like i won't be able to spend the requisite 50K per annum coz of other obligations arising in 2018.

So need help from you guys to help me to jump to the next best card that can match MBB Premier cards.
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MBB Premier has the best conversion to air miles

RHB Premier (private banking) VI - 1 mile per 75 cents on oversea spending
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