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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated
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prescott2006
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 Jul 31 2017, 05:42 PM
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1. Annual Income: RM60K to RM100K
2. Free Lifetime Annual Fee: No
3. Card required for: Overseas Transactions
4. Existing credit cards (if any):
1. Alliance You:nique
2. UOB One
3. UOB YOLO
4. Hong Leong Essential
5. Hong Leong Mach
6. Maybank Visa Ikhwan Platinum
7. Maybank Mastercard Ikhwan Platinum
8. Maybankard 2 MasterCard Gold
9 Maybankard 2 Amex Gold
10. Standard Chartered Business
11. HSBC Amanah
12. Ambank CARz
5. Interested in CC from: -
6. Others: -
This post has been edited by prescott2006: Jul 31 2017, 05:44 PM
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prescott2006
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Jul 31 2017, 08:51 PM
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QUOTE(fly126 @ Jul 31 2017, 06:23 PM) Got other suggestion? My annual income is only 66k  QUOTE(DarReNz @ Jul 31 2017, 07:59 PM) how many cards do you normally bring out in your wallet ?  All of them  |
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prescott2006
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Jul 31 2017, 09:15 PM
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QUOTE(fly126 @ Jul 31 2017, 09:08 PM) PBB (Quantum 2 Cards) + Maybank 2 Cards = That's ALL You Need  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...  https://forum.lowyat.net/topic/4251865 Thanks. So which one should I use when I am at oversea？ |
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prescott2006
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Jul 31 2017, 10:30 PM
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QUOTE(fly126 @ Jul 31 2017, 09:33 PM) Did U Really Put All your CC in Wallet ?   If All tarik Keluar can Sampai Lantai  PBB Cards Haha. I have a wallet with four compartments, each of them can store 6 cards |
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prescott2006
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Aug 5 2017, 04:58 PM
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Hi, for a monthly insurance of RM646. What is the best cash back card to be used? My annual income is 68k.
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prescott2006
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Sep 29 2017, 04:43 PM
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1. Annual Income: 55k
2. Free Lifetime Annual Fee: Good to have
3. Card required for : Premium lounge
4. Existing credit cards (if any): Cimb cash back, maybank 2 kad gold, citibank clear, ambank carz gold, public bank quantum 2
5. Interested in CC from: -
6. Others: -
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prescott2006
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Sep 29 2017, 05:44 PM
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QUOTE(SzeMeng76 @ Sep 29 2017, 05:03 PM) Aeon Gold have 6x access premium lounge but for local only. Okay. Thanks. Any card offer international premium lounge? |
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prescott2006
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Mar 1 2018, 09:11 AM
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1. Annual Income: RM67k
2. Free Lifetime Annual Fee: Don't care
3. Card required for: Pump petrol from Monday to Thursday
4. Existing credit cards (if any): Maybank 2 kad, barcelona, maybank petronas, ikhwan, uob yolo, ambank carz, citibank cash back, just one, hsbc amanah, aeon big, alliance younique, hong leong essential, mach
6. Others: -
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prescott2006
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Mar 1 2018, 10:19 AM
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QUOTE(eddievh @ Mar 1 2018, 09:20 AM) Your Carz gold or platinum ? Monthly petrol expenses how much RM? Gold and Platinum also got. Gold is conventional, platinum is islamic. RM100 per month. |
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prescott2006
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Mar 1 2018, 11:07 AM
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QUOTE(eddievh @ Mar 1 2018, 11:03 AM) For Carz Platinum with correct method you can get effective cash back rate ranging around 3.5%-4.5% . The method are: a)100% use it for petrol only. b)Pay on Statement date and leave a balance of Rm5.01 Hi, can clarify for the two points? Why need 100% used for petrol only? Why RM5.01? |
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prescott2006
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Mar 1 2018, 11:21 AM
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QUOTE(eddievh @ Mar 1 2018, 11:11 AM) Leave Rm5.01 so that platinum rebate becomes 5%,if rm5.00 and below the rate is only 2%. Only use it for petrol because other purchased the interest also calculated already so not worth it. Oh, I kinda understand now. So in conclusion, in order to get 5% rebate, the amount I need to bring forward is "5% * petrol_transaction + 0.01"? What about the next month, let say I use again RM100, how much I should pay? Is there any risk for this trick? Like the outstanding amount will keep increase the interest or get penalty for not pay in full? |
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prescott2006
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Mar 1 2018, 12:00 PM
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QUOTE(eddievh @ Mar 1 2018, 11:32 AM) Next month let say statement date is 3 march and the amount is rm300. On 4 march pay up RM 294.99 will be ok I'm confused again. So the RM5.01 is fixed for this trick regardless or the amount of petrol I pumped? Is it Ambank stated RM5 is the minimum outstanding need to bring forward in order to enjoy 5%? |
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prescott2006
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Mar 1 2018, 12:40 PM
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QUOTE(eddievh @ Mar 1 2018, 12:02 PM) Yes. Ambank stated need to have balance 5 and above only get rebate 5% Whatever statement amount just pay balance 5.01 will earn 5% minus interest the nett % ranging 3.5- 4.5 Thanks for the tips.  |
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prescott2006
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Jan 14 2020, 04:24 PM
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1. Annual Income: More than 100k
2. Free Lifetime Annual Fee: Cincai
3. Card required for: Monthly subscription for internet services such as iCloud, YouTube Premium
4. Existing credit cards (if any):
5. Interested in CC from: any
6. Others:
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prescott2006
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Aug 8 2020, 06:17 PM
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Now that Maybank FCB has reduce the cb to 1%, I think the next best no frill cash back card is OCBC World Master? I know there are better cards for contactless and different categories. But I am looking for card that can earn some cashback when the spending falls out from those categories.
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prescott2006
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Sep 23 2020, 01:12 PM
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Hi, need some suggestions.
1. Annual Income: RM100K to RM150K
2. Free Lifetime Annual Fee: No
3. Card required for: Cash back for YouTube, AppStore app, iCloud monthly subscription
4. Existing credit cards (if any):
- AEON BiG Visa Gold
- AmBank TRUE VISA Credit Card
- AmBank Islamic Al-Taslif MasterCard Platinum Card-i
- CIMB Cash Rebate Platinum MasterCard
- Citi Cash Back Mastercard
- Citi Simplicity Mastercard
- Citi Clear Mastercard
- HSBC Platinum Credit Card
- Hong Leong Wise Gold
- Maybank Shopee Visa Platinum
- Maybank Islamic Petronas Ikhwan Visa Platinum Card-i
- Maybank FC Barcelona Visa Signature
- Maybank 2 Platinum Cards
- Maybank Islamic MasterCard Ikhwan Platinum Card-i
- OCBC World MasterCard
- OCBC MasterCard Pink
- Public Bank Quantum Visa
- Public Bank Quantum Master
- Public Bank Visa Signature
- RHB Visa Signature
- Standard Chartered JustOne Platinum MasterCard
- Standard Chartered Liverpool FC Cashback
- UOB YOLO Visa
5. Interested in CC from: N/A
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prescott2006
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Sep 28 2020, 09:54 AM
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QUOTE(CSW1990 @ Sep 26 2020, 09:14 AM) Hmm, you have so many existing credit cards on hand? Yes |
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prescott2006
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Sep 29 2020, 02:23 PM
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QUOTE(CSW1990 @ Sep 28 2020, 09:57 AM) SST alone already charge you Min rm500 per year.. Just curious why hold so many card ? Different use case under different scenario. SST is nothing if you can plan and fully obtained the cash back. |
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prescott2006
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Sep 29 2020, 04:16 PM
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QUOTE(CSW1990 @ Sep 29 2020, 03:02 PM) But does one really need 23 credit cards? Maybe you can fully utilise it but extremely waste time to micromanage so many cards just to earn small money. worth to do that? Maybe I am poor, they are not small money to me. |
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prescott2006
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Sep 29 2020, 04:55 PM
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QUOTE(GrumpyNooby @ Sep 29 2020, 04:24 PM) Poor but has 23 credit cards? Sounded irony. You should have strong spending power (high income/networth) in order to maximize the return from cash back or reward points. Otherwise, you use those cards for business expenses. Poor enough to appreciate those cash back money. |
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