Hi,

I would like to apply a credit card for my personal usage (First time). So, i need advice from you guys as which bank to apply for.

Follow are the criterias that i'm looking for.
1. No processing and anual fees (Free for life)
2. Able to make monthly payment online (via website)
3. Best if could have benefit in term of (Buy Airline ticket [AA/MAS], Petrol, MPH, Food outlets]
4. Even better if got free gift.

Thanks!

Charge card you need to settle all outstanding monthly.
Credit card you can pay the minimum amount.

1. Some of the cards may say they charge you processing fees but in reality they will not. Free for life limits your scope a fair bit and I strongly suggest you to browse through the threads for the info. We had too many people asking for the shortcuts answers but we too actually took the initiative to track all these credit card promos. Do your homework !
2. All banks can payonline or use GIRO.
3. AA cards are not free for life nor the Enrich card. (Enrich card best offer if you travel Business class) Petrol - Petronas, MPH - DA, Food outlets - so many lah!
4. Free gifts ... you just wait for fairs like MBB Treats, Matta Fair.

Conclusion - no single card fit all of your requirement. Do your research and decide what you want. (Don't be lazy to check)

yeah nowaday gold card is very useless

I think the other day when I was checking AMEX, one year fee for classic card is RM138. I rather use free card as Im using it for convinient and not to borrow money.

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Added on August 6, 2008, 4:44 pmyameh?
If you use Citibank Shell goldcard, it still gives you 2.5% on petrol and 1.5% on purchase even when you dont carry forward balance.
Not bad lar... quite useful cos when purchase air ticket for boss or buy office stuff, I swipe and I save but claim full. Hahaha...

This post has been edited by andrekua: Aug 6 2008, 04:44 PM

You better make your boss is not in this forum hahaha

Who cares... my boss dun care much lar...
In fact his CC (AMEX, CIMB, PBB all Platinum) are so troublesome when buying AirAsia tickets. AMEX is the worst as not even supported. Other requires verification like mother maiden name which make him mad. I just took my Citibank, type in the numbers and straight through. Doesnt even need verification but I do feel a bit unsecure.

I think it's a security feature. Platinum card holders should be flying business/first class.

I heard HSBC platinum card is hardest to get

Need at least rm12k per month salary

I'm sorry. We are having some temporary delays. Please try again later.

from citibank...

sigh... citibank seldom let people down... now it's let ppl down on the internet banking... 1st time encouter.

@Hybz,
I've no idea about HSBC Plat cards but 12k p/month x 12 = RM144k p/annum. If I'm not mistaken Citibank states on their application a min RM150k p/annum but most of us know U realli dun need to haf RM150k p/annum income to obtain the Citibank Platinum. At the v least, I know I'm still v far from that figure but am oredi using the Citibank Platinum card.

Not hardest I think. My father use to have HSBC Platinum and I know his salary not above Rm8k/month

Citibank Shell is 2.5% petrol and 0.75% retail w/o carry forward balance. This is to fight against CIMB Petronas (and DA). What they don't tell you is your rebate is only credited if above RM20 (from some of the threads) and there is annual fee.. So how much do you pump to start making a gain??

Oh yah alot of Citibank offers are point based so Shell Citibank does not qualify.

HSBC Platinum requirement is RM 150k per annum and CitiBank is RM 100k per annum . i think now two highest requirement of plat card is Maybank and HSBC .

Other bank now has already decreased their eligibility to around 80k since year 2007. So basically now plat card is not that hard to obtain as in 90's .

I believe that AMEX Plat Charge Card is the card who really show you're loaded , as application are by invitation , too bad we dont have centurion here .. maybe malaysian not that loaded compare to other country

Should be very safe, even though there is a lot of hackers

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Added on August 7, 2008, 12:06 amCan even get the platinum card with monthly salary < RM5000. I know citibank are very desperate to promote their cards, if someone has monthly transactions>RM2000 and pay on time, very likely he will be offered platinum card despite annual salary<100,000

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Added on August 7, 2008, 12:14 amthe best cc for petrol is still DA mastercard

This post has been edited by muscaa: Aug 7 2008, 12:14 AM

Yeah, make a mistake on the retail purchase rebate.
Lets make simple calculation.
I spent around RM500 on petrol and RM500-1000 on other stuffs each month. Lets put it at RM500 and RM750, which adds up to RM1250 each month.

RM500 x 2.5% = RM12.50
RM750 x 0.75% = RM5.625

Take RM17 per month and over one year, around RM204.
Thats more than enough to cover for the annual fee + the RM2 each month for transferring from M2U.
Besides I always help my boss and company buy stuffs which helps me reach the average RM750 on others stuffs each month.
Maybe I should start paying bill online I think. I help my boss pay his bills one and always average RM700 per month or more if got quit rent.
So its kinda worth it if you calculate.

Not safe lar...
When using Citibank card to purchase online only need card number, expiry date and the 3 pin on the back of the card.
Not sure if Citibank having a deal with AirAsia which resulted in less hassling verification but I think at least need to verify IC like HSBC lor.

i went through DA gold card requirement

Gold card: RM24,000 per annum (for Affinity / Joint Marketing Partners)
Gold card: RM30,000 per annum (for Generic Graduate Card)

what's the different? although there is remarks beside. but i don't really understand the diff

normally co branded card have lesser income requirement than generic card. I knew some of the co branded gold card have nonsense CL as low as 3k. Difference should be in term of benefit , like you'd have special discount or even more point when you spend on the brand specified. But as what i saw , normally they will charge you " GOLD ANNUAL FEE " too despise that incredibly low CL offer to you. Most bank practice that and one ridiculous example is MBF .

If you're a member of Affinity / Joint Marketing Partners, then you can apply CIMB DA at lower annual income requirement. Here're the list for Affinity / Joint Marketing Partners:

Direct Access Affinity Partners

ACCA Malaysia Sdn Bhd (ACCA)
Bar Council Malaysia (BAR)
Institution of Engineers, Malaysia (IEM)
Malaysian Airlines Pilots Association (MAPA)
Malaysian Association of Institute Chartered Secretaries and Administrators (MAICSA)
Malaysian Dental Association (MDA)
Malaysian Institute of Accountants (MIA)
Malaysian Institute of Human Resource Management (MIHRM)
Malaysian Medical Association (MMA)
Nutrition Society of Malaysia (NSM)
Persatuan Alumni Doktor USM (PADU)
Persatuan Alumni Universiti Malaya (PAUM)
Technological Association of Malaysia (TAM)
The Incorporated Society of Planters (ISP)
Universiti Putra Malaysia (UPM)

Direct Access Joint Marketing Partners

The Association of International Accountants (AIA)
The Chartered Institute of Logistics and Transport, Malaysia (CILT)
Institute of Chartered Accountants England and Wales (ICAEW)
Institute of Internal Auditors, Malaysia (IIAM)
The Institution of Surveyors, Malaysia (ISM)
Koperasi Doktor-Doktor Malaysia (KDM)
Malaysian Institute of Certified Public Accountants (MICPA)
Malaysian Institute of Taxation (MIT)
Persatuan Doktor Perubatan UKM (PDP UKM)
The Penang Medical Practitioner's Society (PMPS)

I believe you need to attach a copy of your membership card in your application form.

This post has been edited by David83: Aug 7 2008, 06:34 AM