feizaiII,

Refer first post in first page. HSBC has 1% misc fee/charge.

Oh.. thanks.. overlook it.
Going to cancel it both.. seem lik no benefit at all.

take note.. If there is a max payout pool... then i consider that as a 'trap'.
the bank can say the max pool already reached within few days....and the subsequent days transactions can't get the rebate.

there is no way the customers can verify the status of the payout pool.

To me, I think is more on you applied for plat, but they give you 2x gold. If plat not approved, the bank should call to counter-offer with the gold. Not direct issue to you. I think this should apply to all banks, not just the one you mentioned.

This HSBC Amanah Platinum VISA will give you 5% cash back on every fifth transaction only, otherwise it is 0.5% cash back.

I think what happens is that the agent made that "decision" for him. I think the bank would have the courtesy to call but normally in such cases they will refer to the agent to handle it. My own HSBC cc agent would not do this (I still maintain good relationship with the guy) and of the many agents that I apply my cc with I always specifically tell the person to follow exactly what I want or I shall not hesitate to cancel my card application. (I did not do this with a threathening tone)

No need to be nasty or what ... just take it as a learning lesson. Always do your own research on the cc product before you apply and don't blindly trust the agent. You are partly to blame for your own greed ... remember the carrot for you was the 5% cash rebate in which the information was unfortunately misrepresented to you.

End of this month I can't get my kicks anymore .... whenever I come across a cc agent who tells me I can get 2% or 5% petrol rebate ... I said "Mine is 7% rebate ... beat that and I'll sign up for your card". Of course they will try again and then say "You can also get 5% rebate @ Tesco" and I said "Mine is 5% rebate all hypermarket all day long".

The face on their face is priceless .... and once they pull me over and ask me how to apply this card. (And it was a cute girl asking me!)

This post has been edited by hye: Jun 29 2009, 07:33 PM

Yes, if you feel that the cards don't give you much benefit, you should cancel them asap. You just need to be more alert when dealing with agents and CS staff next time. In fact, you can always browse through this thread as it is indeed very informative. Most forummers here are willing to share their real personal experience, except for minority who try to influence others because of personal interest and benefit. Overall, we should feel lucky as forummers here help do research and homework for each other!

Thanks dude. I have cancelled Visa card, keep Master card as my gf said midvalley have alot shop with special offer for HSBC cardholder.

Is this what you mention?
http://www.pbebank.com/en/en_content/perso...tions/real.html

And The Gardens as well.

mind to give some shops @midvalley/The Garden tat have special offer/discount for hsbc? thank you.

What ? Thought HSBC Classic/Gold VISA/Mastercard are identical in design ? Or you are talking about HSBC Amanah VISA ?

By the way guys, CIMB Bank has introduced VISA Infinite yesterday. It will give cash rebate instead of point. 0.5% for local spending and 1% for overseas spending. This is nothing special really as it is identical to HSBC Amanah Platinum VISA.

Hm... going to request it from CIMB today , the good thing is CIMB still maintain free for life condition for this cards, looks like CIMB are working hard to grabs the market share of high-end cards in malaysia , better compared with SCB which is RM 800 AF .

I think to be fair, looking at the benefits offered by SCB to their infinite cardholders to that by CIMB, its very worthwhile, especially if you do make use of them. The CIMB infinite, like their Worldcard offerings are in some ways not even equivalent to Plat cards offered by most banks. I mean, its equal to how you would feel about holding UOB's One Platinum, which is basically free as well, right?

This post has been edited by tgeoklin: Jun 30 2009, 08:12 AM

Please also note that when you apply for CIMB VISA INFINITE, you will also be applying for CIMB WORLD MASTERCARD. Once approved, both credit cards will be mailed to you and are FREE FOR LIFE with ABSOLUTE NO CONDITION for both principal and supplementary cardholder(s).

CIMB VISA Infinite/World Mastercard Application Form

This post has been edited by MilesAndMore: Jun 30 2009, 07:22 AM

Well, as compared with SCB Visa Infinite, the new CIMB Visa Infinite is nothing to shout about. It may look attractive to those die-hard golfers. It does not offer free access to worldwide plaza premium lounge? The 0.5% cash rebate on local retail transaction is marginal. However, the strongest selling point is free for life. Btw, has anybody here managed to get AF waiver for SCB Visa Infinite?

Being one of the very first to be issued the card, I will be more than happy to let you know in say, another 2 years whence the 3 years free annual fees expires

This post has been edited by tgeoklin: Jun 30 2009, 09:23 AM

Due to CIMB mastercard is free for life,my card is already very old 4years and have quite many crack nearly broken. If i call up and ask for new replacement card ,is there any charges?

I changed my card due to crack (at the magnetic strip area) and got it for FREE.
Always insists for FREE replacement.

May i know which bank offer free damaged card? I read from previous forumer post sometimes card get stolen they also insist wanna charge Rm50