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

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post Jul 10 2018, 10:26 AM

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QUOTE(eujintan @ Jul 10 2018, 09:28 AM)
1. Annual Income: 36000

2. Free Lifetime Annual Fee: A Must with no strings / easy strings (1 swipe per month; or 12 swipes per year)

3. Card required for: Mostly grocery and petrol as well as paying university fees.

4. Existing credit cards (if any): None

5. Interested in CC from: Nothing In Mind

6. Others: Mostly looking for cashback. Breakdown of usage: RM400 Petrol, RM300 grocery, > RM1k/month on uni fees.
Any suggestions?
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If for Petrol cashback, either Affinbank BHP MC or MBB Ikhwan Petronas Visa
CB of 10% weekend, 2% weekdays if pump at BHP (Affin) and 8% weekend, 2% weekdays if pump at Petronas (MBB).
Both CB capped at RM50/mth
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post Jul 31 2018, 08:59 AM

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QUOTE(Kinotako @ Jul 30 2018, 05:32 PM)
hi bosses, any advise for this bye.gif
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Try Citibank.
Last time when I was working in SG, they gave me 6-digits CL.
But terminated the cards when I returned to KL as they didn't want to waive the RM6xx AF.
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post Aug 2 2018, 08:46 AM

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QUOTE(Kinotako @ Aug 1 2018, 09:27 AM)
Thanks biggrin.gif Will try to apply...
BTW, mind to tell which is the card that they grant you high CL?
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Aim for the premium cards like Platinum, Premier, Signature, etc as long as your annual income is more than the min requirement
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post Aug 7 2018, 08:12 AM

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QUOTE(Alert_RaZO @ Aug 6 2018, 04:41 PM)
1. Annual Income: Grab
2. Free Lifetime Annual Fee: yes
3. Card required for:
At least 1k per month petronas petronas since got 6x mesra.
pay digi, unifi, bills.
Shop at giant/bataras/servay
Shopee and lazada
looking for best cashback for above spending especially petrol

4. Existing credit cards (if any): Maybank 2 card & citi clear
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Since you spend a lot on petrol, try some petrol cards like MBB Ikhwan Petronas, Affin-BHP, etc
The max CB capped for the MBB and Affin is RM50/mth each
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post Nov 22 2018, 08:32 AM

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QUOTE(e0ne @ Nov 21 2018, 12:43 PM)
1. Annual Income: RM36K to RM60K.

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate and AirMiles.

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

5. Interested in CC from: No particular interest.

6. Others: I only want to pay amount due with my M2U online savings account.
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MBB Ikhwan Visa Petronas / MBB Visa Petronas
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post Dec 3 2018, 08:30 AM

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QUOTE(SupremeLahh7 @ Dec 2 2018, 08:33 PM)
Hi need help pls u all sifu!

1. Annual Income: 36-60k

2. Free Lifetime Annual Fee: Preferably

3. Card required for: Petrol only and 0% installment for major purchase (maybe once a year)

4. Existing credit cards (if any): zero

5. Interested in CC from: CIMB or MAYBANK i guess because I have current acc from both banks

6. Others: Islamic card preferable.. and more if benefits or CB, better!
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Is solely petrol, can try MBB Visa Ikhwan Petronas.
8% CB when refill at Petronas during weekend.
MBB also have 0% installment for purchase at Lazada

Else, can try Affin-BHP MC, which offeres 10% CB when refill at BHP during weekend

This post has been edited by widget: Dec 3 2018, 08:30 AM
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post Dec 18 2018, 09:25 AM

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QUOTE(wtw0911 @ Dec 17 2018, 11:53 PM)
1. Annual Income: RM 40k - 45k

2. Free Lifetime Annual Fee: If possible

3. Card required for: Petrol, online transaction

4. Existing credit cards (if any): Citibank Clear card

5. Interested in CC from: Any bank except AmBank and SC (Got rejected by both)

6. Others: Looking for a card that gives cashback for petrol and online transaction
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Affin-BHP MC, Maybank Ikhwan Petronas Visa
Petrol cashback @ 10% and 8% respectively during the weekend, capped to RM50/mth
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post Dec 18 2018, 10:27 AM

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QUOTE(koolbrader @ Dec 18 2018, 10:24 AM)
.....
6. Others: I just need a credit card with huge limit.
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MBB is quite stingy with their CL.
Can try foreign bank such as HSBC, Citi, SC
Previously my Citi CL is 10x my MBB CL

This post has been edited by widget: Dec 18 2018, 10:31 AM
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post Jan 1 2019, 08:42 PM

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QUOTE(david9 @ Jan 1 2019, 05:53 PM)
1. Annual Income: RM100k

2. Annual Fee: Free / Waived by meeting certain criteria

3. Card required for: Petrol ONLY (SPENDING AVERAGE RM400-500/monthly)

4. Existing credit cards : Maybank 2 Cards Platinum AMEX & Visa

5. Interested in CC from: Any bank
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Affin-BHP MC or MBB Ikhwan Visa Petronas for their 10% and 8% CB during the weekend if refuel at BHP or Petronas respectively.
Both capped at RM50/month so should not be an issue if your spending average is RM400-500/monthly
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post Jan 23 2019, 02:58 PM

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QUOTE(geekofIT @ Jan 23 2019, 02:12 PM)
1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: Must

3. Card required for: List all your needs. Petrol (<RM 200/month), Online Shopping, Groceries, Misc. Actually i mainly just want to use credit card to build good credit score, i.e. buy stuff online, pay back everything by end of month.

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

5. Interested in CC from: No idea

6. Others: Fresh Grad, just started working 5 months ago. Interested to build CCRIS and CTOS score to obtain high range score in the credit rating system.

Also wanna ask, if I am able to buy things online in volume, say RM50k per month and somehow able to sell them online without profit. I use the money to pay off the credit card at the end of the month, will i get good credit score for my prompt payments?
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Try applying CC from the banks where your salaries are banked-in.
Without any credit record, sometimes hard to get CC approved.
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post Feb 13 2019, 05:50 PM

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QUOTE(singguli @ Feb 13 2019, 01:02 PM)
for those working in singapore can apply malaysia credit card or not ?
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Cannnn,
Approved or not, different story tongue.gif

When I was working in SG in the early 2000, I had Malaysian CC from HSBC, Citibank and UOB.
Not sure about the requirement now, but previously foreign-based banks are not as stringent as local bank
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post Feb 22 2019, 09:16 AM

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QUOTE(tinker @ Feb 22 2019, 07:57 AM)
1. Annual Income: RM36K

2. Free Lifetime Annual Fee: Yes or minimum swipes

3. Card required for: Mainly for petrol & online purchase

4. Existing credit cards: Non

5. Interested in CC from: Any banks that offer such card.

6. Others: Just started hire purchase and no record on CTOS.

Tried PB Quantum & HSBC Amanah and got rejected. Is thinking about Maybank Islamic MasterCard Ikhwan Gold Card or Maybank Islamic Petronas. Monthly petrol expenses less than rm450 and  shopping/ dining less than rm300. Please advice.
*
If you don't mind sticking to a single petrol brand, can try Affin-BHP MC or MBB Islamic Petronas.
So far these 2 have the highest CB rate with no minimum spending (10% weekend, 2% weekdays for Affin and 8% w/e, 1% w/d for MBB).
With you monthly petrol expenses <Rm450, you won't hit the RM50/mth CB cap
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post Feb 22 2019, 09:47 AM

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QUOTE(tinker @ Feb 22 2019, 09:40 AM)
I dont mind sticking to a single petrol brand. BHP is out as we do not have BHP here lol.

I guess i will go with MBB Islamic Petronas. Can non malay apply?
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You can also consider MBB Ikhwan MC, as it gives 5% CB or Fri & Sat for any petrol brand.
Anybody can apply as the term "Islamic" here refers that the fees/charges/etc imposed by the banks are Syariah-compliance

This post has been edited by widget: Feb 22 2019, 09:48 AM
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post Feb 28 2019, 09:46 AM

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QUOTE(blitzbullet @ Feb 27 2019, 04:01 PM)
Need help with islamic card

1. Annual income: 100k

2. Free annual fee: yes

3. Card for: petrol, groceries, online shop

4. Existing card: maybank ikhwan mastercard, maybank2card which i plan to cancel

5. Interested in: any shariah or islamic banking card. Currently looking at hsbc amanah

6. Others: planning to cancel maybank2card and replace with cc that complies to shariah.

Thanks a lot for any suggestions
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What type of benefits are you looking for with the Islamic card?
Honestly, I cancelled my HSBC Amanah coz there are nothing special with it.
I prefers my MBB Ikhwan Visa Petronas anytime over the Amanah.
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post Apr 12 2019, 12:12 PM

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QUOTE(IVIastergrade @ Apr 12 2019, 12:06 PM)
Fresh graduate looking for First CC recommendation happy.gif

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol (although can claim from company), Bills, Groceries, Hire Purchase loan

4. Existing credit cards (if any): Nil, but recently approved by HSBC (but macam not very good 0.2% cashback & got the annual RM25 charge from gov right?)

5. Interested in CC from: Any.
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For petrol, can try MBB Islamic MC/Visa.
The RM25 SST is chargeable for every card and it paid is to the government, so banks cannot waive this charge.
What they can do is refund RM25 as rebate but it is up to their discretion.
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post Apr 23 2019, 09:38 AM

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QUOTE(m8831246 @ Apr 22 2019, 05:03 PM)
Annual Income: RM30K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Petrol, utilities, insurance, PTPTN

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

5. Interested in CC from: No preference.

6. Others: Fresh grad; looking for a CC to build credit score and will be using it for my monthly expenses.
*
If you have no credit history, I suggest you apply from the bank where your monthly salary is being credited to for better chances of approval
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