As least you can save on the 1% admin fee. Other banks such as Citibank gives you 2 points for every Ringgit charged (Standard Chartered gives 3 Choice Points/RM1 for Platinum and 5 Choice Points/RM1 charged in foreign currency). It is more or less the same.


Still too little. A far cry compared to CIMB, Maybank, AMEX, Citibank and even HSBC.


By calling them up.

Read the previous threads as this have been discussed before. Don't be lazy and just seek quick answers.

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Added on June 26, 2009, 7:52 amCredit card experience differs individual to individual. It's very personal ... probably there will be someone else who would not agree with you.

This post has been edited by hye: Jun 26 2009, 07:52 AM

EON bank has revamped itself lately. Yesterday, I went to a branch and the environment of the branch was stunning.

Seldom you will face problem overseas but you never know. In my opinion, no harm getting another CC (as standby) that has AF waiver like swipe 12 times. The second card can be a standby as once a while you will find that your CC can't be used for example:

1) you want to use the card the second time at the same merchant within 15 minutes.
2) card become defective or cracked.
3) The card issuer system is facing problem and therefore your transaction can't go thru.

If you are worried about controlling your spending, then get another card from CIMB (if you got MC get Visa or vice-versa) so that your credit limit is shared between this 2 cards.

Still can't compete with Alliance Plat. This cc gives cash back of up to 1.375%, x2 timeless reward points and 0% admin fee on overseas transactions. If you spend on Friday, it's better to use SCB Just1, as the 1% admin fee is tiny compared to the 5% cash rebate given to you.

anybody know whether EON-GSC card can use EON bank online banking to see the transaction? try to register T-PIn but failed say I need to update my mobile no.

I totally agree with you on this one. Alliance may not be the largest or best banks around. (Card also ugly ... OMG)
But in terms of cash back offerings, SCB JustOne takes the top spot and a close second Alliance

Having 2 cards is also good for retail discounts. Example: You have CIMB and HSBC cards. When eating at Dragon-i, use CIMB for 10% discount. When eating at Amarin Thai, use HSBC for 15% discount.

That's true. If you only hold both visa and master from the same bank, in the event that failure of transaction is caused by the bank, both cards also can't be used. I would suggest to have visa and master from 2 different banks. To control your spending, you can always request the banks to give you a lower CL.

Not necessary though. I have encounter several times before, my MBB Amex cannot go through. Use MBB Visa, can go through.

Anyway, it is still best practice to carry 2 CC from 2 different providers.

Hi guys, just a quick question regarding on credit card. Wish can get some information from our fella here.

Anyways, i was thinking to apply for MBB PETRONAS Visa CC, but for now my annual income is 3k below the the minimum requirement. I just wander, do I still any chance to get the card if I submit my application?

Too much orange though


CIMB Mastercard will entitle you for 10% or 15% when you dine at Amarin Heavenly Thai While AMEX gives you 15% or 20% discount (couldn't remember how much exactly).


Couldn't agree more.


Most likely you will be rejected but no harm trying. Another to geta credit card is by deposit some time deposit into the bank you want to apply a credit card.

Thanks for the reply bro. Oh yea.. I do have a fixed amount of saving in my MBB SA. I had asked information for quite a few bank, so far only found MBB has the highest minimum income requirement. The rest were around 18k then can apply already. I'm actually looking for a card that offer good rate of cash & petrol rebate.

yah u can , i done it

Your agent can 'adjust' for you. I've applied CC by faxing straight to the bank and then the credit card staff asked me if I wanted a higher grade card. I said I don't qualify (I'm off by about 20K ), she said she can adjust. And it was successful.

@Dannyl
So meaning that u got higher grade of CC even though u didn't hit the minimum requirement? That's great.. Guess i can try my luck by next coming Monday by submitting my application form.

This reminds me last time, I'm not qualified for Plat. I ask how ? She says, "Hentam only lah the annual salary put 120k, can one. Apply plat, got better free gifts (during application). Use the gold CC with >15k credit limit and >2 yrs, can already." I say ok lah. 2 weeks later, I receive the plat card. Of course, I think she gets better commission from plat compared to gold ?

Which bank ? The too much orange one

@cute_boboi

Haha.. Thats great. Anyways, this is my 1st time of applying CC, so much more info regarding on it. But I wander 1 thing, how do u bypass ur pay slip part? As they can easily get ur actual figure by having 1 piece of ur pay slip. Right?

P/s: Hm.. I should its the one with lion head. xD

@cute_boboi,
Yes... CC salesperson does get more commission for Platinum cards approved hence they always try to bodek U to apply for it even if U don't need it.

For JustOne card, if you go overseas & want to get 5% rebate on Friday, make sure that the transaction in on Friday Malaysian time. I just ask CS about this.

One more thing the CS told me that the cash back limit RM600 is total including all the supplementary. Now it is contradict, before when I get the card the CS told me that the cash back limit is not shared.