Around 2.25% - 2.75%. But bear in mind that you will only get 5x TP when you pump at Petronas station and shop at Mesra shops. All other purchases will earn you only 1x TP = RM1.

If you pump at Shell, i'd suggest you to get AMEX Gold credit card instead. It gives you 5x Membership Rewards (MR) points for every Ringgit. You'll also get 5x MR points when you shop at most major supermarkets (Carrefour, Tesco, Giant etc.) and bookstores (Kinokuniya, MPH, Times, Borders). As for all other purchases you will get 2x MR for every RM1. It is by far the best credit card from Maybank

This post has been edited by MilesAndMore: Aug 23 2009, 08:50 AM

Both of these two stations also accept AMEX. Just that you need to swipe your AMEX at the cashier counter at all Petronas station. As for Shell, you can swipe your card directly at the petrol kiosk.



I prefer cash rebate too ! Cash rebate credit card is the most popular card in USA.


Couldn't agree more


Wow ! That was a long time ago. More and more merchants are starting to accept AMEX, thanks to Maybank i suppose


Certain Premier account holders do have huge risky debts And not to mention that certain people already convert their account to Premier/Citigold/Priority Banking when they only meet the minimum requirement with not much cash to spare. They join it because they want to be in the affluent crowd

I was also told that not all HSBC Premier customers have good credit score. Certain HSBC Premier customers only pay the minimum of their credit card bill most of the time, just like the majority of the mass banking crowds. And these are the people that you'd expect to settle their credit card bills in full every month. Surprise surprise

This post has been edited by MilesAndMore: Aug 23 2009, 05:16 PM

Dad has their VISA. 100% confirm no. None of their Mastercard range of credit cards have the Paypass feature either.

Couldn't agree more !!!!


Do you know if my current account is held in HSBC Kota Kinabalu, can i just drop off the cheque for AMEX in any one of the Maybank branch here in Kota Kinabalu without my cheque being treated as outstation cheque so i do not have to foot the extra charges ? I assume if they clear the cheque in Maybank Kota Kinabalu my HSBC Kota Kinabalu issued cheque is considered as local cheque ?

Talked to the HSBC staff who handled my application for their credit card pledged by time deposit. Was told there is NO legal fee need to be paid. And i also received a call from HSBC credit card centre this morning that the card's ready and i shall get it the latest by Friday


I normally pump at 3 different Shell stations and my AMEX was never rejected.


Our AMEX Charge Card's bill is prepared by American Express regional office in Hong Kong. No mistakes thus far. A happy AMEX customer

I've got rebates at ISETAN, Guardian, KFC using my CIMB Mastercard. I've got bonus points too. Maybe it's different for Direct Access only ? If so better just use CIMB Mastercard.

For Direct Access range of credit cards only, i supposed ?

CIMB Bank has year-round promotion only for their Mastercard. The promotion said has been ongoing since last year. For example :
- MPH Bookstores > 10% rebate on every 1st Sunday
- Guardian > 5% rebate on every 2nd Sunday
- ISETAN > 10% rebate on every 4th Sunday
- Cold Storage > 5% rebate on every 4th Sunday
- KFC > 10% rebate on the 1st day of the month
and many more !

**subject to a maximum rebate of RM50 per day per card per outlet with CIMB Mastercard only.


What card is that ?


By the way, is CIMB Bank no longer accept new application for VISA (except VISA Infinite) and JCB ? Currently only Mastercard and VISA Infinite are listed in their revamped website.

HSBC Premier Mastercard issued in Malaysia is actually NOT a World Mastercard, despite World Mastercard is embossed on it. Only Premier Mastercard issued from the following countries are true HSBC Premier World Mastercard :
- HSBC USA
- HSBC Australia
- HSBC New Zealand
- HSBC Japan



And by the way, there are indeed co-branded Platinum credit cards in Malaysia. For example :
- EON Bank Pavillion Mastercard
- EON Bank GSC VISA
- EON Bank The Store Mastercard
- EON Bank Pacific Mastercard
- EON Bank Ming Heng Mastercard
- EON Bank Audi Circle Mastercard
- CIMB Bank Enrich Mastercard
- CIMB Bank TnG Mastercard
- CIMB Bank Petronas Mastercard
- Maybank Petronas VISA
and many more !

This post has been edited by MilesAndMore: Aug 26 2009, 12:57 PM

You can either call Mastercard regional office directly (as Hye suggests) or google it. You will find that that HSBC Premier World Mastercard is only issued in :
- HSBC USA
- HSBC Australia
- HSBC New Zealand
- HSBC Japan
as previously mentioned. Nobody knows what category HSBC Premier Mastercard issued in all other countries belong to but since its perks offered is exactly the same as HSBC Platinum VISA, one can assume that it is a Platinum credit card.

You should give CIMB Bank a serious consideration. I also believe CIMB Bank credit card balance transfer is one of the most best in town. It also has many promotion year-round. I'm not exactly a fan of CIMB Bank as i find their customer service sucks (tellers are fine but those customer service staff suck BIG TIME). However, they do have one hell of a credit card

CIMB Bank is everywhere in Malaysia, easier for you to make credit card payment

I think you've been advised against the idea to withdraw cash advance using your credit card a few weeks ago, right ?

Not that i know what is RON92 or RON95 but certain SHELL stations i frequent have 2 choices of unleaded petrols now. One with the green handle and another one with yellow handle. The red one's gone.

I don't know. Because i do not pump at ESSO/Mobil


It's been a while since M2U accept bill payment using either Maybank credit card or credit card(s) issued by other local banks (foreign banks such as SCB, Citi, HSBC, UOB & OCBC all included). I've been helping my mom to pay Jabatan Air Sabah bill since June 2008 and Sabah Electricity (SESB) bill since March this year.

By the way, you can only add up to 4 different credit cards into your M2U account. It will need to be verified by Maybank first before you can start using it to pay for bills that do accept credit card via M2U.


For TM you can only use VISA.

Yes. Exactly what i meant earlier. Just that in Sabah, TNB is known as SESB (Sabah Electricity Sdn Bhd) while Indah Water is known as Jabatan Air Sabah. Both accept credit card payment over M2U. I've been using my mom's CIMB Bank Mastercard to pay for those bills via her M2U account since last year.
Sabah Electricity only started to accept credit card payment over M2U since February or March this year. As for Jabatan Air Sabah and Telekom Malaysia Berhad, they have started accepting credit card (as well as other banks' credit card) since last year.

However, Telekom Malaysia Berhad accepts only VISA over M2U Luckilly there is still TM ONLINE

By the way, for our TM bill, we should choose Telekom Malaysia Berhad instead of TM Net Berhad on M2U or any other banks' online banking portal.


Yes. You can.



This post has been edited by MilesAndMore: Aug 30 2009, 05:28 PM

I stand corrected

"I stand corrected" is an English idiom that is said to acknowledge someone who corrects something that one says or writes that was not correct

And CIMB Bank.

My mom actually have this card but she never used it. When she tried to cancel the card about a month ago someone from AmBank called her and ask her not to cancel it since it is free for life. No minimum swipe required.


The problem is that it will be hard to get the money back. My best friend promised he will return all the money he borrowed but i never got a cent back and his name is in my NPL book Total loss > RM1050. And no, it is a 100% interest free loan.


You should try with Maybank and CIMB Bank.


This post has been edited by MilesAndMore: Sep 9 2009, 10:20 PM

No lah. A recently graduated salesman went to her office and kept asking my mom to sign up for 4 different credit cards from him. One each from Public Bank, Alliance Bank, AmBank and Hong Leong Bank. The Hong Leong bank credit card really gives us a big headache. My mom got soft and applied all cards from him


Is that gross fixed income ? If so yes. There are many cards you are eligible for. Try CIMB Bank, tons of discounts and it is 100% free for life

This post has been edited by MilesAndMore: Sep 10 2009, 04:05 PM

I did compare its privileges with those credit cards offered by local banks such as Maybank and CIMB a while ago. In terms of discount and dining rebate, i'd say CIMB Mastercard is the best of all.


No credit card merchant in Malaysia accept the card.



It is now also accepted in Taiwan. Guess it will soon be accepted in all Chinese territories. So far China UnionPay users can only use their cards to withdraw for cash at all local banks ATM.


Was informed the annual fee for HSBC credit card will also be automatically waived provided you swipe it no less than 12 times in a year. Started using HSBC VISA last month, guess i will know whether they now will auto waive my annual fee a year later.