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

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soyabean123
post Jan 22 2017, 09:17 PM

Getting Started
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Junior Member
153 posts

Joined: Dec 2013
1. Annual Income: RM43k above

2. Free Lifetime Annual Fee: Yes

3. Card required for: Cash Back for dining, applicable for all outlets

4. Existing credit cards (if any): At the moment 'No'. Planning to apply Ambank Carz credit card soon for petrol usage only

5. Interested in CC from: Any

6. Others: Seeking for a CC with highest cashback meant for dining and no annual free
soyabean123
post Jan 22 2017, 10:18 PM

Getting Started
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Junior Member
153 posts

Joined: Dec 2013
QUOTE(fruitie @ Jan 22 2017, 09:31 PM)
HLB MACH for dining. Free AF with just 12 swipes per year, first year is free AF.
On another note, why AmBank Carz for petrol? You have to leave outstanding balance just to get that little cash back. Not worth for it at all. Try applying Maybank Ikhwan MasterCard and Visa Petronas instead, free AF. You just need to pump on Fridays-Sundays depending on which card. Head over to Ikhwan thread.
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Thanks for the recommendation.
I pump petrol mostly on weekdays compared to weekends. And I travel a lot too, average 80-100km per day. Usually I pump petronas/petron/bhp, while others very rare. I choose ambank carz because of the high % cash back. Monthly spending about rm300+- for petrol solely. Please share with me if you have better suggestion of CC that can benefit me more than ambank carz can provide smile.gif
soyabean123
post Jan 23 2017, 10:06 AM

Getting Started
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Junior Member
153 posts

Joined: Dec 2013
QUOTE(fruitie @ Jan 22 2017, 10:25 PM)
AmBank Carz only gives higher cash back if you don't pay full every month, you will be penalized with interest though.
Ikhwan cards are good for you, at least you can pump during weekends and last you few days during weekdays. Then, if you really want, UOB One Plat with AF though, first year is free. Citibank Cash Back also with AF but first year is free.
Or 2% CIMB Cash Rebate plat, no AF.
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QUOTE(imnotabot @ Jan 23 2017, 07:34 AM)
How about Maybank Ikhwan + AEON BiG Classic/Gold + CIMB CR? The first gives you 5% petrol cashback on Friday and Saturday. The second gives you 5% on Sunday only. The third gives you 2% cashback on any day. If you pump full tank on Sunday night and can survive until Friday, then you can easily get 5% for the entire month by timing your fuel ups. But if you fail to do so, at least you'll get 2% cashback from CIMB CR.

Maybank Ikhwan and CIMB CR has no annual fee. AEON BiG Classic/Gold does have an annual fee, but it can be automatically waivered with 12 swipes in a year.
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QUOTE(fruitie @ Jan 23 2017, 09:24 AM)
Please multi-quote.
I already suggested Maybank Ikhwan Petronas which gives 8% on Saturdays and Sundays but only limited to Petronas.
SCB Gold Cash Back.
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Looks like Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i fit my needs than Ambank Carz.
"8% Cash Back on weekends (Saturday and Sunday) and 1% Cash Back on weekdays (Monday to Friday) for every PETRONAS spend. (capped at RM 50 per month)"
Just curious, is there a cc that have higher cash back if pump petrol during weekdays (Mon to Fri)? I usually pump petrol during weekdays hmm.gif
soyabean123
post Jan 25 2017, 10:58 AM

Getting Started
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Junior Member
153 posts

Joined: Dec 2013
QUOTE(fruitie @ Jan 23 2017, 10:35 AM)
Citibank Cash Back.
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QUOTE(eagle008 @ Jan 23 2017, 08:37 PM)
Citibank Cash Back need member fee, yearly RM195.
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Well, i think i will apply two credit cards first.
Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i for petrol and Hong Leong Mach Visa for dining n entertainment. smile.gif
Thanks for recommendation
soyabean123
post Jul 26 2017, 10:58 PM

Getting Started
**
Junior Member
153 posts

Joined: Dec 2013
1. Annual Income: RM42k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Pump petrol only, cash back (I often pump during weekdays)

4. Existing credit cards (if any): Mach HL

5. Interested in CC from: Any

6. Others: I want cc that can give me highest cash back via pump petrol smile.gif

This post has been edited by soyabean123: Jul 26 2017, 11:01 PM
soyabean123
post Aug 3 2020, 12:52 PM

Getting Started
**
Junior Member
153 posts

Joined: Dec 2013
1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Dining, shopping. Prefer Cash Back card

4. Existing credit cards (if any): I'm using only Mach VG card now, and this card soon will discontinue. I need some suggestion on be what are the best CC available that suit my needs.

5. Interested in CC from: No specific

6. Others: Prefer cashback and no annual fee. Current Mach VG CC i've been using it since 2017.

Hope to hear from your recommendation ^^
soyabean123
post Aug 10 2020, 09:01 PM

Getting Started
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Junior Member
153 posts

Joined: Dec 2013
QUOTE(ClarenceT @ Aug 3 2020, 01:04 PM)
HLB Wise with AF RM98.
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Is it possible to call to waive the AF RM98 if I have made more than 12 times transaction in a year?

 

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