Does MBB Gold 2 card work the same as MBB Ikhwan MC? Payment for insurance, petrol and groceries for cashback and treatpoint? Planning to get one of the type.

1. Annual Income: RM30k

2. Free Lifetime Annual Fee: Must

3. Card required for: Cash back and treatpoint(will be bonus if got) Insurance,petrol, groceries and online payment(top up usually)

4. Existing credit cards (if any): None

5. Interested in CC from: Maybank

6. Others:

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Average usage
Petrol RM350/month,
Insurance Auto-billing RM200/month,
Groceries @Family Store RM450/month,
Tune Talk Reload RM30/month

4. Existing credit cards (if any): Nil.

5. Interested in CC from: Any Bank but looking at MB GOld 2 card/ MB ikhwan

6. Others: Getting a loan soon.. Looking at big pay prepaid card to further utilise Cashback

This post has been edited by w3sley: Aug 8 2018, 01:44 AM

Thank you very much! (=

Hi! I did some research for this few.

For MBB ikhwan MC [5% rebate on petrol and groceries on Friday and Saturday, capped at maximum of RM50.00 per customer per month (Principal and Supplementary Cardmember)],

quite favourable but the CB for MBB Petronas Ikhwan MC [ 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)] seems better but it only focus on petrol. hmmm Can I apply both?

For CIMB Cash Rebate Plat. MC, 2% Cash Rebate for statement balance below RM3,000. Cash rebate is capped at RM30 per month per card. Pretty low % CB


For Alliance You:nique, need spend at least RM2001 only got 3%. I dont think I will spend this much after factoring my main expenses on petrol and groceries which I will use MBB. I will only need another for insurance auto biling, prepaid reload, dining(maybe) which cost maybe MAX RM1k per month. If possible, any higher % CB?

Anyway, can please explain a bit the choice of the selection and how to optimise it? Thanks!
Personally, from the benefits, I will focus more on CB. Sorry if my I send out unclear details previously.

P/s: Newbie to CC

This post has been edited by w3sley: Aug 13 2018, 12:53 AM

Thanks a lot.

I applied one first which is MBB Ikhwan MC. 24-hour approval.
Wonder when can I obtain the card?

thank you! I have only received it yesterday though.

Anyway from your previous post, SCB Just One Platinum Master Card seema better with the offer of cash back on more varieties with just one card compared to MB Ikhwan MC. What's your opinion? Thank you!

Hi All, is it the safest to apply based on basic salary only or bonus also should be disclosed for credit card approval?

Thanks!

Thanks! So bank refer to basic only or together with bonus or allowance ?

Noted. Thank you very much for the reply @ClarenceT!

Guy A

1. Annual Income: 37k

2. Free Lifetime Annual Fee: Yes

3. Card required for: petrol(rm150), groceries(rm250), insurance(rm250), online transaction & e-wallet(rm55 or more)

4. Existing credit cards (if any): MBB Ikhwan

5. Interested in CC from: No preference.

6. Others: Focus on cashback. Current salary bank (MB)

Guy B

1. Annual Income: 30k

2. Free Lifetime Annual Fee: Yes

3. Card required for: petrol(most, around rm500++), insurance(monthly), online transaction

4. Existing credit cards (if any): None

5. Interested in CC from: No preference.EDIT:Prefer all day cashback availability for petrol

6. Others: Focus on cashback. Current salary bank (PB)

This post has been edited by w3sley: May 8 2019, 11:32 PM

Added edit

Asking on behalf of relative
1. Annual Income: >80k

2. Free Lifetime Annual Fee: Preferable

3. Card required for: best reward for online transactions 30-50k monthly

4. Existing credit cards (if any): pb platinum & signature visa, hsbc visa platinum, hong leong essential

This post has been edited by w3sley: Sep 16 2020, 10:53 PM

Thanks for the recommendation!
Quite similar with the HL essential except there is a tier rebate of 0.4% for first 7k.

https://ringgitplus.com/en/credit-card/Hong...-Essential.html

Cashback better than airmiles now? (since cant fly?)