I also don't like the idea of carrying so many cards in my wallet.

I don't carry my MBB Petronas Visa all the time.

I prefer to consolidate every swipe to a single card.

okok.. got ur point.

@David83,
It helps when U haf both a MasterCard & Visa from the same bank; that way U can still consolidate ur reward points; I just juggle usage between both *grins*

My primary card is MBB Visa Classic. I don't have MBB Mastercard. MBB Petronas Visa is my 1st co-branded card mainly used for petrol refueling at Petronas.

I seldom or rarely use my CIMB DA Mastercard.

I'm using DA as my primary card
Maybank Visa Debit as my backup.

Not sure should apply for 1 more backup card or not... any comments?

Should be sufficient if you're going to oversea.

Thanks for all reply

So those co-branded or so called promotion card only have benefit among the selected merchandise ... nothing else.

Would you guys apply more on normal credit card or those co-branded ? Im headache which one to choose lol ..

And how long it would take for the approval & I get the card physically ?

You could apply one normal and one co-branded. Then your headache will be lesser.

It could take few weeks to get your application approved depending on how good your credit history.

They'll usually mail or courier the card to your mailing address unless you specifically told them to send the nearest branch for pickup.

@Shinichi,
I don't see a need for more than 1 emergency back up card. Also, applying for an additional CC would mean U have to pay annual fees for it; so Y bother?

@Hybz,
Not true - different cards (be it co-brand or not) have different benefits/promotions tied to them. U can go through those promotions and see which one ur going to be utilising the most. As to wait time, I've never waited more than 3 weeks before I received the physical card through courier.

Shinichi could target those which is free for life*.

As for Hybz, it's true that different co-branded card has different benefits/promotions but usually co-branded is tied one merchant. I don't want to get myself into nitty gritty stuffs by getting so many co-branded cards. Ha! Ha!

@David83,
It is true except other than DA there really is no true free for life CC available *smiles* [and Shinichi's oredi holding a DA CC]

I believe CIMB Mastercard (not Petronas card) is also free for life if he wants it.

Otherwise, he may consider MBB Petronas Visa (co-branded).

Thanks David83 & tinkerbel for your feedback.
Actually I'm considering should I apply for MBB Petronas CC as my backup. Since its free for life with no condition. And I don't mind its a co-brand with Petronas since it will be my backup card. I bet the bank won't charge me anything or deactivates the card if I'm not using it right?

Also I have a question regarding free for life CCs. Let say normally a CC is valid for around 5 years, let say if MBB Petronas CC is no longer available after 5 years, will the bank renew MBB Petronas CC after current one expires?

It's so far to think about. My MBB Visa Petronas is going to expire by 2012.

Ambank Real Reward Master is F.F.L w/o any terms aand condition too.

I don't get what they mean here:



RM90 for principle, but below they mention FFL, so which is true? Very confusing...
Guess I'll skip this for good

@ Shinichi

For the bank rules, they must write an amount for the annual fee even they has the FFL benefits. Because the card is initially need to pay the fee, then they add in a feature for the card, which is free for life, so they put the fee first then add in the Free For Life term.

Diners Club AAM is also FFL .. with conditions and 5% rebate off petrol.. with conditions also

Thanks all for the reply

As for first timer, do I need to pay any kind of fee for applying credit card ?

No from my experience.