Yes I agree. if card holder can spend RM15000 (to avoid AF) per year than better use JustOne. You will get better rebate.

To be exact, the cash rebate is 0.5% for Alliance Younique and 0.6% for Alliance Plat, for the 1st RM500 spending monthly.

I believe this applies to CIMB Bank Mastercard holders as well ?


And the other banks are Maybank and CIMB Bank. These two have lots of promotion year round with CIMB Bank having the most discount. I guess CIMB Bank really take their credit card business seriously.


Certain branch do open for business on Saturday. Please refer to their website.


3 months. Yes.


This could be because the delay from the courier company or they only ship your application form to their HQ just before the weekend. There are a number of reasons ... the fastest way is to fax it directly to their credit card centre.


HSBC Amanah MPower Credit Card-i has no cap. 1% cash back for overseas spending and only applicable to HSBC Amanah Platinum MPower Credit Card-i holder only.

As mentioned by GHz, do note that Alliance cash rebate is based on tiers. You have another option besides your payslip which is go get your latest EPF statement where you can also proof your basic salary from the amount credited monthly.


I asked earlier is the cash rebate maximum RM600 a year for JustOne? Any idea?

However the choice points is "half" of other cards i.e. RM2= 1 choice points. Therefore one will need to spend twice as much with JustOne card to be "rewarded" with similar gift compared to other cards in general. This is acceptable since the cash rebate is good at 2-5%.

On AF waiver, it is already stated cleary that one needs to spend RM15K a year which is pretty high. So those who do not spend this much, do expect to pay AF comes next year and don't hope for waiver.

just call and tell them u wanna cancel am sure they will waive the AF.

Btw, anyone know the free travel insurance for uob cc, how much it is insured ?

This post has been edited by DarReNz: Jun 25 2009, 06:07 PM

Factor in the admin fees for overseas spending and the 1% cash back is now negated to just 0%.

---

Added on June 25, 2009, 6:51 pmJustOne product is new and probably you need to wait till next year when the 1st batch of early adopters need to renew their cards. I wouldn't be surprised if SCB refuse to waive the AF. You want good rebates and free card ? Unlikely .... unless the market introduces a similar competitor to this product, I predict SCB to stand their ground on the AF waiver condition.

Whether or not RM15K p.a spending is a lot or not .... well you guys know yourself how much you spend in a month. (Cash + credit based spendings)

This post has been edited by hye: Jun 25 2009, 06:59 PM

oh, 1st yr af is auto waive

They do have special promotion for some merchants. In fact they seldom advertise in the newspaper and only send out brochures to their existing customers together with monthly statements.

We referred to 2nd year AF actually. I also feel that it won't be easy to request for AF waiver for 2nd year. It may become a 1-year card for me then if I spend less than 15k as I prefer using Alliance cc on non-Fridays while travelling abroad.

This post has been edited by winner: Jun 25 2009, 09:20 PM

ok thanks. but how do i print epf statement? can i print tru my kwsp iaccount? or have to go to kwsp and use the machine to print out ah??

u are asking in the wrong thread bro

I think it would be better to print out your latest KWSP statement from KWSP kiosk.
Thanks.

i-account also can, they are the same

Aiyo bro ... you are lucky that some of the "bros" are actually entertaining your question. You are an adult already you know?

From 2005 - May 2009, 3548 Malaysians declared bankrupt due to CC and 50% below age 30. The total debt in Malaysia itselt related to CC is more than RM23,000,000,000.00! Read link below.

http://www.mmail.com.my/content/credit-car...30s-under-siege

This post has been edited by Gen-X: Jun 25 2009, 11:42 PM

What is this?

Maybankard Credit Care Plan

URL: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

My guess is not FOC. Am I right?

I would like to ask really, as a fresh graduate earning around 2k a month, would it be advisable to own 2 cc's?

I have got one from CIMB and I was told, by my friends, I should get another one, possibly from a foreign bank like HSBC ,CITI etc....coz sometimes locally issued cc's can give you problems abroad..is that so?


Thank you

http://www.maybank2u.com.my/mbb_info/m2u/p...qId=CRD01.16.06

Thanks bro. There's no free lunch. It's like Citibank plan last year.

for the 1st year, just use 1 CC... maintain good record, pay on time...

then after 1 year, u can use ur CC to apply another CC...

local issued cc wont give ur any problems for oversea transaction if u are informing your bank before u travel to oversea.

I would like to know, any HSBC Credit Card user here? If i would like to request for an annual fee waiver how can i do that?