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 Visa Infinite = T20?

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Prometric
post Feb 9 2023, 10:33 AM

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QUOTE(smallcrab @ Feb 8 2023, 11:20 PM)
metal card nice and T20 level
but annual fee in the thousands
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Annual fees no need pay wan, i have never pay annual fees on any of my cards.

Just tell them to cancel the cards if they charge you annual fees, the relationship manager will come calling and apologizing to you laugh.gif
quadcube
post Feb 9 2023, 10:45 AM

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QUOTE(JoeK @ Feb 8 2023, 07:32 PM)
Ooo ok, spended rm80k then can wave rm800 annual fee la.

But buy what rm80k wor hmm.gif
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easy, shopping laugh.gif
coyouth
post Feb 9 2023, 12:30 PM

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QUOTE(Prometric @ Feb 9 2023, 10:33 AM)
Annual fees no need pay wan, i have never pay annual fees on any of my cards.

Just tell them to cancel the cards if they charge you annual fees, the relationship manager will come calling and apologizing to you  laugh.gif
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last time citibank didn't want to waive, so my dad cancelled the card. they didn't bat an eyelid. now, they're already out of malaysia. kek.
Prometric
post Feb 9 2023, 12:32 PM

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QUOTE(coyouth @ Feb 9 2023, 12:30 PM)
last time citibank didn't want to waive, so my dad cancelled the card. they didn't bat an eyelid. now, they're already out of malaysia. kek.
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Have to see your spending habits/power. If you dont really use the card or use just few thousand per month. Of course they not gonna layan.
SUSFreshmeat21
post Feb 9 2023, 01:39 PM

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if not mistaken T20 monthly income rm10,000k je... T1 lain cerita
SUSrtk74
post Feb 9 2023, 03:05 PM

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QUOTE(coyouth @ Feb 9 2023, 12:30 PM)
last time citibank didn't want to waive, so my dad cancelled the card. they didn't bat an eyelid. now, they're already out of malaysia. kek.
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City Bank = shitty Bank
SUS2feidei
post Feb 9 2023, 11:01 PM

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QUOTE(kons @ Feb 9 2023, 09:31 AM)
which wem is without af?
only few banks in my offer wem.

citi prestige = 1k
hlb emirates wem = 2.4k
cimb travel wem = 1.2k
ocbc premier voyage = 750
there is also mastercard black which is by invitation only, but not available in malaysia.
the distinct wem logo is grey scale, but normal mastercard logo is in colour.
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setantat certat bank WorldMiles Mastercard
kons
post Feb 10 2023, 08:19 AM

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QUOTE(2feidei @ Feb 9 2023, 11:01 PM)
setantat certat bank WorldMiles Mastercard
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sc worldmiles mc is just world mc.
but it is not world elite mc

some perks on priceless.com only can be bought with wem, but not wm

This post has been edited by kons: Feb 10 2023, 11:35 AM
kitzai
post Feb 10 2023, 08:57 AM

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QUOTE(JoeK @ Feb 8 2023, 07:18 PM)
Maybank visa infinite is 100k annual celery, so around 8.3k per month

But annual fee rm800 is crazy

user posted image
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Each bank different requirements but this is the best card ever.
Almost all premium lounge accept this card and best rewards too
iZuDeeN
post Feb 10 2023, 09:01 AM

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ppl dont care what card you use..

ppl see how much you can swipe before getting barred.. i.e your credit limit
Zaryl
post Feb 10 2023, 09:03 AM

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QUOTE(JoeK @ Feb 8 2023, 07:18 PM)
Maybank visa infinite is 100k annual celery, so around 8.3k per month

But annual fee rm800 is crazy

user posted image
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Gila annual fee rm800
SUSrtk74
post Feb 10 2023, 10:15 AM

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QUOTE(Zaryl @ Feb 10 2023, 09:03 AM)
Gila annual fee rm800
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Rich people problem
fantasy1989
post Feb 10 2023, 10:17 AM

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QUOTE(Zaryl @ Feb 10 2023, 09:03 AM)
Gila annual fee rm800
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if big spender or help company pay bill worth that card


auto waive if spend 80k annually

and this card have the best TP conversion to Krisflyer or other airline miles [i changed my entry level breitling from KrisShop ..using TP conversion + collected KF]
with one of the most widely PPL coverage worldwide

This post has been edited by fantasy1989: Feb 10 2023, 10:25 AM
SUSSihambodoh
post Feb 10 2023, 10:23 AM

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Some believe their cc is their ultimate flex.

https://forum.lowyat.net/topic/5101065
kitzai
post Feb 10 2023, 10:49 AM

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QUOTE(2feidei @ Feb 9 2023, 11:01 PM)
setantat certat bank WorldMiles Mastercard
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This is worst card ever

QUOTE(Zaryl @ Feb 10 2023, 09:03 AM)
Gila annual fee rm800
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You can call to waive.
It’s very worth also, I one year 5-7 times go lounges to eat, drink (wine/beer) and relax.
Save thousands.
SUSrtk74
post Feb 10 2023, 11:12 AM

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QUOTE(Sihambodoh @ Feb 10 2023, 10:23 AM)
Some believe their cc is their ultimate flex.

https://forum.lowyat.net/topic/5101065
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Reason for this thread ekceli
TheEvilMan
post Feb 10 2023, 11:13 AM

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Is there a way to get best card to flex without having t20 celery?
@@@@@@@@@@
post Feb 10 2023, 11:17 AM

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QUOTE(rtk74 @ Feb 10 2023, 10:15 AM)
Rich people problem
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*Annual fee waived for subsequent year with minimum spend of RM80,000 per annum


Spend RM 6666.67 per month, then no annual fee.

Very easy, just refuse to enter shops that don't accept cc. Sure can exceed RM 6666.67 per month.
submergedx
post Feb 10 2023, 11:24 AM

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I thought having RM20k cash are way more important to have RM20k credit limit?
SUSfuzzy
post Feb 10 2023, 11:32 AM

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QUOTE(submergedx @ Feb 10 2023, 11:24 AM)
I thought having RM20k cash are way more important to have RM20k credit limit?
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Nope. Debt is a very useful tool and CC is one of those.

The important part is being able to pay the 20k as when you need.
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