SCB JustOne or DA MC do give rebates for all petrol stations up to 5% or certain days. If you really want rebate for petrol, pump at Esso where every 1000 smiles point (RM1 = 1 smiles point) you get RM15 petrol or 1.5% rebate on top of whatever CC you use.


Congrats on your upgrade as it show HLB values your business. As for fame as fortune, the Plat card to you may be your personal achievement but seriously besides you, no one cares about Plat card nowadays, its "shiok sendiri"

As for your credit limit of RM30K, I am sure HLB will increase it further in the future, however ask yourself, do you really need that credit limit now based in your present income. Must advise you not to fall into HLB marketing where they CS will call you and say that they offering you personal loan at attrative rates amounting to up or more than your credit limit.

HLB have been waiving my AF for years so don't really care about the swiping 2 times per month.

If you see the posts here, most people going for rebates and discount instead of what type of card and that applies to me too going for "downgrade".

This post has been edited by Gen-X: Jul 5 2009, 08:37 AM

Welcome, i was replying to your post and FYI this is not your thread! You did start another thread with the same post but it is going to be closed soon by the mod

Don't want to be rude, you are going off topic (OT) with your post above i.e. what you mentioned got nothing to do with CC. But since you are new here it is understandable.

To me what tinkerbel mentioned was not incorrect because zazaza2009 mentioned that his/her income was just above RM60K (please note income does not mean salary, it can be from royalties, rental, dividens, etc) and did not elaborate further;moreover, getting a Plat was like such a big thing to her/him (i.e. sign up as LYN member this morning to tell us he/she had obtained a Plat card).

zazara2009 also failed to mentioned in her/his earlier post about her/her business relationship with HLB, and like I mentioned HLB valued his/her business and thus not surprising upgraded his/her CC to Platinum which is simply a marketing strategy to keep her/his CC account as most of us here knows that HLB CC benefits are just so so.

Moreover if one got RM200-300K or more in FD with a bank, the bank would have issued a Plat CC to her/him long ago.

Huh...what was the thing you were trying to say? Other people have gold card with CL higher compared to yours, so what does this mean?

Once again what does you owing 2 compact cars have to do with CC?

What I can tell you is that you getting nothing with HLB CC for pumping petrol. Better you go apply a non Plat card that gives you 2% to 5% rebate for petrol.

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Added on July 5, 2009, 7:01 pmgo to thread below for debit card

http://forum.lowyat.net/topic/457588

This post has been edited by Gen-X: Jul 5 2009, 07:01 PM

UOB one cards only gives you rebate at BHP petrol if not mistaken. Yes, you can consider MBB Petronas card.

Like I mentioned, you can consider Direct Access or Standard Chatered Bank Just One where they give rebate for ALL petrol stations.

Another option is Public Bank Day2Day Debit card where they have 1% rebate for groceries and petrol.

yah, somebank allows you to pledge you FD for CC limit even if you do not qualify for minimum income. Can't really remeber but I think HLB smartlink account allow you to do so

David83 did post the link last week, see post 365 in this thread. DA MC gets rebate at all petrol stations and DA Visa gets rebates at Giant and Tesco. For your easy reference, click on link below provided by David83:

http://www.directaccess.com.my/pdf/Visa%20...uper%20Card.pdf


winner have confirmed that SCB JustOne do get rebates at Shell but in the counter and best of all he has come out with a way to inform the counter to press CR by sticking a note there

As of date, it is for good but then again we never know in the future.

Part of article in The Star Today

"Citibank, which has over a million cardholders, is currently one of the local market leaders in the card segment with a market share of almost 20%.

According to RAM Ratings, Citibank, Maybank and CIMB Bank were ranked first, second and third respectively in terms of the amount of credit card receivables as at Sept 30, 2008.

Credit card receivables are outstanding loans.

Citibank’s credit card receivables amounted to RM4.4bil, followed by Maybank’s RM3.32bil and CIMB Bank’s RM2.57bil in that period."




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I am surprised that you were not given increase CL as you claimed you have been paying in full. How about you asking for upgrade to HLB Plat since you qualify for SCB Plat. Another option, write an email to HLB and let them know your dissapointment.

SCB is quite stringent, apply with other banks. Next time you go 1U and Midvalley, stop by the many credit card booths and apply for all, sure you get 1 card. If you have FD with a particular bank, try apply CC with that bank and state the account number their your easy reference.

As posted by winner at post 679, CIMB offer 0% interest for 6 months with 1.5% upfront handling fees. This is for new account only.

Public bank also offer competitive rates for BT.

6 months 1.5% upfront (same as CIMB)
12 months 2.5% upfront
24 months 5% upfront

click on my signature for info other Balance Transfer.

Where got such ruling that need loan with any bank to get CC.

Dell do accept Amex accept that it does not have installments plan and quite slow for it to get approved.

since you got CIMB, can you also apply for Direct Access? By the way, do you get petrol rebate with CIMB card?

You still can keep you HSBC as backup, some people said need to swipe 6 times to get AF waiver, me on the other hand was told by CS got to swipe 12 times. So just call CS and confirm your case and then swipe the required number of times and then keep in wallet as back up.

For people like you who likes to go shopping HSBC good if you shop at Midvalley.

well my non gold card RHB EVO CL >30K. Years ago my UOB and HLB before upgrade to Plat also >RM30K. My AMEX Gold CC now also >RM30K (initially gave me RM20K).

I would think the most important thing to qualify for CC is that you can proof the income requirement and got no bad financial records.

yah 8X rewards points only be calculated after promotion period. When is your AF due?

Any chance of AF being waived? Did you asked if you downgrade to Gold will you still get the 8X MR?

As of 1st July, banks are to give 3 days grace period for payment.


You don't need to call the bank.

every bank is competing among each other to get customers, won't be surprise in 5 years time, people with less than RM100K PA income will also qualify for Infinite. just like Plat where annual income had to be >RM100 when it was first introduced.

If you read the earlier posts, many people here have Infinite and there is even a photos of cards. The only really exclusive card here so far where none of the other LYN members have is vampbreak's AMEX Centurion Card.

Wah, very efficient one week already get letter. Call them and ask and maybe you'll get an answer. Like winner mentioned, go apply for other cards. Or if you bank with HLB, they do issue card with one of their accounts (smartlink or something like that).

yah, age is not an issue as long as you can proof the income requirement.


Yes supp card holder needs to be 18 years old and above for CC.


Just to add, benefits and offers that comes along with the card is most important.

Bro, just apply any CC, sure one will accept and after 1 year, if you have good records i.e. no late payments, you will find that you can easily can other cards.

Just saw ad in The Star for DA, promotion period 18 May to 18 Aug

Spend >20K Free MEndoza Back Pack
Spend >40K Free Olympus FE45 DC
Spend >60K Free SE F305
Spend >80K Free Toshiba 19" LCD
Spend >100K Free Dell Mini 10

Above guaranteed free gife unlike HSBC and Citi need to sms and limited.