Recommendation for Credit Cards V4

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

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niafaz89	Apr 13 2017, 07:12 AM Return to original view \| Post #1
Getting Started Junior Member 141 posts Joined: Sep 2013 From: malacca	Hi guys, I want to ask few things here since I am very new to this cc😁 1. My annual income is near to 60k(short by around 200 before 60k) and from what i read, most platinum cc put their minimum limit for annual income of 60k and i see some of cc got better deals when u become platinum holder compare to gold/silver(normally for those earn 24k and above before 60k) My salary will increase on yearly basis/sometimes twice a year(hopefully🤗) and early next year, it will hit 60++k.. So is it better for me to apply normal cc(not platinum) or wait next year and apply for platinum? Currently im holding aeon gold visa cc..im a heavy user of cc, my average usage is 2k per month but i normally pay full before due date... All CTOS&CCRIS record are clear for now🤗 2. I am a frequent traveller-travel within malaysia(twice per month) from Sabah&Sarawak to KL and oversea at least four times every year(most of the country is either ASIA or ASEAN), so i want to know which cc gives better offer in term of purchasing flight ticket? My current aeon granted 6times entry to airport lounge but i never use it before, x tau mcm mana mau guna😣 3. I got an offer for standard chartered cc with free 25k air asia big point but the downside got annual fee😞 Should i go for this or not🤔 25k miles plus my current one entitled me to redeem 5times flight ticket from sabah sarawak to kl... 4. Can someone suggest best cc for me as im new to this one, i have read from xyzgeneration blog, the threads and bebenang at other forum as well, but im still unclear for cashback and few others. My spending cc habit(per month 2k) Major-flight ticket(40%) Average-(20%)-hotel, groceries, petrol Around 5-10% utilities bill and f&b and sometimes online shopping Tldr: 1. my income is yet to reach 60k, should i apply for normal cc or wait it hit 60k for some platinum cc 🤔 2. Best cc for purchasing flight ticket 3. How to use premium lounge privilege 4. Whether to get one standard chartered cc or not🤔 5. Suggest me the best cc for my spending routine please Many2 thanks in advance This post has been edited by niafaz89: Apr 13 2017, 07:14 AM
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niafaz89	Apr 13 2017, 09:50 AM Return to original view \| Post #2
Getting Started Junior Member 141 posts Joined: Sep 2013 From: malacca	QUOTE(fly126 @ Apr 13 2017, 09:31 AM) I) PBB Quantum MasterCard 5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend. :thumbsup: II) UOB Yolo (Annual Fee: RM95.40) 6% CB for Online Spend, 3% CB on Dining However, Total Monthly Spend: RM0 - RM499 = 0 CB RM500 - RM799 = Max. Cashback Capped at RM 20 RM800 & Above = Max. Cashback Capped at RM 50 https://forum.lowyat.net/topic/4078891 Take III) SCB Cashback Gold: 2 - 5% CB with min spend $500, NO CB for Petrol, Insurance Transactions. However, It's Good on PTPTN Payment. It merely like your General Usage (atau dan lain2) or for emergencies use CC ie, HLB Essential, Alliance You:nique... Which give you extra benefits or CB that your Daily use CC don't have P.S SCB - AirAsia BIG Credit Card Campaign (1- 30 /4/2017) https://www.sc.com/my/campaign/AAxsell/?sub...p_id=OM&utm=fb# IV) MBB Ikhwan Mastercard - 5% Cash-Back on Petrol & Groceries, every Fri/Sat for You to DO some Groceries & Petrol Purchase V) You need to let the staff to Swipe Your AEON Gold CC before You can masuk PPL Tq so much for the recommendation😘Considering Mbb Ikhwan and SC gold currently... Will try to use PPL today🤗 P/s: SC card got annual fee right🤔 This post has been edited by niafaz89: Apr 13 2017, 09:52 AM
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niafaz89	Apr 13 2017, 10:42 AM Return to original view \| Post #3
Getting Started Junior Member 141 posts Joined: Sep 2013 From: malacca	QUOTE(fly126 @ Apr 13 2017, 10:07 AM) Having SCB Cards since 2001 I had Never pay a single Annual Fee before, When They have Charge you AF you can Call CS request an Annual Fee waiver from Them EZ-Peasy You may Interested with This, also.... Maybank 2 Cards - also Good on PTPTN » Click to show Spoiler - click again to hide... « It's Lifetime Waiver NO Annual Fee on Treats-Point (Basis), with 3 Years Lifespan Period * The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard / Visa Card, in 1 sign up & 1 statement. * 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card. * 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 per customer (including Supp Card member) per month. * Earn 1x TREATS Points for every Ringgit spent on Maybank 2 American Express Card at Education Institutions, Insurance Providers, Utilities: Electric, Gas, Sanitary and Water, Petrol, EzyPay. * NO TREATS Points will be rewarded for every Ringgit spent on Maybank 2 MasterCard/ Visa/ American Express card at Government Bodies. * Uses the Treats Point on Shopping Voucher or Enrich Air Miles Redemption even though the Treats Point come with (3) Years Expiry Period Yes, Maybe Citibank Card Privileges (Offer or Promo) + Evergreen Rewards Point No Expired which are their Perks an Undeniable Temptation to some of us here, but however most of the Citibank CC do come with an Annual Fee. Ya, You may Request Annual Fee Waiver from Citibank Every Year but Sometimes also Subject to their Approval, they give or not... Meanwhile, Maybank 2Cards will Benefiting U with 2 cards, Maybankard 2 American Express® Card & Maybankard 2 Visa / MasterCard, in 1 Sign up, and 1 Statement plus, the MBB 2 Cards also is Lifetime Fee Waiver with NO T&C's Attached On... :thumbsup: You can Accumulate/Earn More Rewards Point even Faster: 1x/ 2x / 5X Treats point + 5% Cash-Back from Weekends Spend with Maybank 2Cards (Amex) for Every RM1 Spent. Do Use the Treats Point on Shopping Voucher Redemption Even Use it for MAS Enrich Air Miles Redemption. (5X Tp = 1.25% CB) or 10,000 Treats Points = 1000 Enrich Mile (Effective 1 March 2015). So with RM1 = 5x TP, it works out to RM2 spent = 1 Enrich Mile for the Enrich Miles Conversion Although the their Treats Point do come with 3 Years Expiration Period but it may even Better than Citibank CC just Plain RM1 /1 Rewards Point. Somemore, FYI You Wont get any Rewards Point from Petrol Purchase with Most of the Bank's Credit Card. https://www.citibank.com.my/ICARD/subapp/re...rewards-tnc.pdf I've been eyeing mbb2 card too, but to get platinum my annual income need to be 60k and above rite? Is there any huge difference between gold status n platinum cc holder🤔Seems like similar from maybank2u website😁 I read from sc website they got annual fee, how can we request for waiver😁 Anyway tq for your help😄
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niafaz89	Apr 13 2017, 12:06 PM Return to original view \| Post #4
Getting Started Junior Member 141 posts Joined: Sep 2013 From: malacca	Thank you to seniors🙇🏻‍♀️ it has been a great help for me... I think I will go for mbb 2 cards or SC... As i own visa now, it would be great if I can get master card and amex too😁
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