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.

Thanks a bunch for your quick reply!

Speaking of which, may I just ask (out of curiousity), what happened to OCBC Titanium Cash Back card?
I searched lowyat.net for credit card recommendation long time ago (I can't really remember my previous ID - had to create new account now)... Back then everyone was recommending OCBC Titanium, and now it vanished from threads. Something changed?

I am not a sifu here but generally, for cashback, Maybank cards are the kings.
You can either try for

1) M2Card Gold (the Amex gives 5+1% cash back if used during the weekend... 5% cash, 1% in the form of TreatPoints). The cash back is capped at RM50 per month, but most of the petrol stations accept Amex, and that's RM24 per month right there. Many private universities accept Amex for tuition fee too.
2) Maybank FCB VS card (2% cash back on daily basis, plus 10% cash back for May and August - it is worth the SST even if you only use the card during May/August)

I assume you need to pay RM7k per semester for tuition fee. If the payment can not be done in May/August, you can also consider SCB JOP. It gives RM85 cash back if you spend >RM2500 at online transaction. If the payment can be done in May/August, just use MBB FCB VS to pay the tuition fee (cash back capped at RM100).

And finally, try to get BigPay card too. You can use SCB JOP to reload into BigPay over a few months, and then use BigPay to pay the tuition fee at one go.

On top of what ClarenceT said, you may also consider going for Public Bank cards. You are qualified for their Visa Signature, which offers 6% cashback on dining, online, etc (max cashback RM38 per month).
But do try to apply Maybank FCB fast, May is coming (the card gives 10% cashback in the month of May).

If your usage for Petrol is not high (eg: you only need to pump petrol once a week), Maybank2Card is excellent. The AMEX card effectively gives 6% cash back for your weekend transactions (5% cash back + 5X treat points). You can use AMEX for movies and some phone bill payments too.

Try to apply for Maybank FCB Visa Signature too, as it gives 10% cashback next month (May) and August. The 10% alone can cover its SST already. Maybank cards (FCB and M2Card) shares the same credit limit.

All mentioned cards have no annual fee.

Hmm... so you only use RM1800 per year on petrol, and around RM400 per year for Touch and Go.
In view of the SST (RM25/card), I think you can just stick to single card instead of M2Card. Do you use Petronas? MBB PETRONAS Ikhwan Visa gives 8% cash back when you spend at Petronas (weekends only).

Hi,
The banks generally use "gross x 12 months+bonus".

There were LYN members who reported that certain banks are strict, and those banks only look at your Net Salary + Bonus (after tax/epf).
I am not a sifu here (I only have cards from like 5 institutions), but currently, I am only qualified for certain cards if they look at my gross salary (not net salary), and so far my cards are all approved.

Always good to add MBB FCB to your arsenal. Also check out PBB Quantum cards which give 5% cashback on selected categories (no minimum spending required).


Can claim from company hmm... Try to explore SCB Just One Platinum then, it can give up to RM85 if you spend RM2500 per month (check out the LowYat thread on SCB JOP on how to maximize the cashback), or Public Bank Quantum cards which give 5% cash back for selected categories (but up to RM30 per month per card only).

Virtual card? Like Maybank Anytime, Everyone?

Have you found out why did HSBC reject you? HSBC cards are usually not hard to get.

For now, you can try to get Public Bank Quantum and BigPay card at the same time, they provide excellent savings when used together.
However, some members did report that Public Bank sometimes take a long time to approve the card (and they tend to be more stringent than HSBC).

Yes it is going to be quicker/easier to get Maybank card in your case. Feel free to apply both Maybank 2 Card and Public Bank Quantum together.
After the cards are approved, you can also consider to go for AEON Big Visa card for free lounge access.

Well if you are aiming for PBB or Maybank only, then PBB Quantum is the preferred choice (how soon do yhou need to buy the PC? PBB can take a little bit longer to approve your card - when compared to Maybank)
Are you willing to share more about the the nature of the "company claim"? Eg: is it under petrol, online, etc?

PBB VS
AmBank TRUE Visa
Aeon Big (you have to reload during the first day of each month... preferably before 7am though)

There is a monthly cap (shared with all card holders) on the online cash back. Based on trials and errors from our dedicated forumers, it is recommended to reload within the first few hours of the month. Otherwise, the allocated cash back for that month might be finished by the time you reload it.

Yeah, there are not many higher end cashback cards in Malaysia... unless you count AEON Platinum (5% cash back at AEON or AEON Big, free access to PPL too) etc.

Public Islamic Bank Visa Platinum - 4% cashback for online spending
Affin Duo - 3%

Not a sifu here, but if you apply from multiple banks at the same time, you might be viewed as a higher risk customer for banks (more likely to default).
Every time you apply for a credit card, the bank will access your credit score and this leaves a "temporary mark" on it. If you really need the card, try to spread out and apply one per month. Otherwise, a gap of 90 to 180 days from your previous application is preferred.

@underscore_lee

The normal Maybank AMEX is generally a cash back card, not to collect points.

Their Maybank Islamic Ikhwan AMEX is getting an upgrade next month, worth your consideration:
https://www.maybank2u.com.my/maybank2u/mala...s-revision.page

Yup, the card is the same, and all current owners will get the upgraded benefits next week.

I'd suggest you to apply for both, and then utilise Affin's balance transfer for your EPP, and then cancel the card before the next SST hits.
But if you must choose one of the two banks only, just go for Affin bank

For your first card, you may try to get from the same bank where your salary is deposited into.
Otherwise from the list of interested bank, Maybank 2 Gold card and/or Maybank Islamic Ikhwan American Express Platinum Card would be the best for you. Do you mostly spend on online platforms?

https://www.maybank2u.com.my/maybank2u/mala..._gold_card.page
https://www.maybank2u.com.my/maybank2u/mala...num_card_i.page