I tried to use SCB online banking to make payment for IWK, MBSA and MBSJ, in order to enjoy 5% rebate on Friday. However, all the transactions couldn't go through. I called SCB CS, the CS staff informed that SCB online banking only works before 8pm, Malaysian local time. So inefficient!

I am holding Younique card. Let me share my experience.

The CS only operates during office hours, Monday to Friday. This is considered a major disadvantage.

Cash rebate is based on tier system, subject to a max cash back of RM68.25 or 1.365% per month. It is not 2% as what people normally think.

On the good side, cash rebate applies to all types of purchases, including transactions at petrol stations. On top of that, you will also get 1x point on your purchases (excluding petrol). I can swipe the card anytime, anywhere, don't need to remember when, what and where to buy all days long!

So far I am happy using the card, until I obtain SCB Just1 cc recently. However, I'll change my Younique to Alliance Plat, as Alliance Plat give 2x points for overseas transactions compared to Younique x1 point. Cash rebate for its Plat is slightly higher only.

0.5% - max RM2.50
0.7% - max 5.95
0.9% - max 10.80
2% - max 49.00

The total max cash rebate is RM68.25.
68.25/5000 = 1.365%

HLB relaunched it a few months ago, with very limited numbers of cards provided. All cards were taken up within a short period due to overwhelming response. HLB may issue the cc again in the near future, who knows.

Do not expect a nice looking card from HLB. Hope cc department of HLB know this.

I thought CIMB/DA Plat has much better design than HLB Plat

Only for SCB Just1 Titanium

This post has been edited by winner: Jul 4 2009, 02:08 PM

Firstly, I feel happy for you on your recent upgrade. Plat cc is very common nowadays as banks tend to give a higher CL. In my opinion, Plat cc has nothing to do with social hierarchy or status achievement. A lot of qualified forummers here still hold SCB Titanium and Amex Gold while they are more than qualified to get Plat, due to better benefits. Some of us are only willing to get Plat if the benefits are similiar or better than what offered by Gold.

Besides, 30k CL is just considered below average of general CL of Plat, which starts from 20k depending on banks. Also, holding a Plat cc doesn't mean that the CL is higher than others. For instance, the CL of my SCB Titanium is above 100% higher than my other Plat cards. But I don't even need to have such a high CL as I only need to spend 15k per annum to get AF waived.

In addition, nobody knows my CL except my loved ones. Higher CL could result in high risk. Another example, my friend's relative was robbed while having holidays in a third-world country. He was forced (with knife pointed his waist) to withdraw RM20k from his cc. This incident can happen in our country too. We have to be extra careful not only with cash, but also cc.

Er...what happens to this thread? It is full of chillies, peppers, onions and garlics, and it tastes spicer than the curry mee I had this morning.

Let's start with something refreshing today. Following the recent launch of CIMB/DA Visa Infinite, more banks are expected to join the fray. I received a call from a cc agent of SCB on Friday asking me to apply for SCB Visa Infinite. I understand that SCB is the pioneer in Visa Infinite in M'sia, and the its benefits are simply marvelous. After thinking twice, I declined to apply for it. It's because I prefer the 2%-5% rebate offered by my existing SCB Just1 Titanium, and I haven't fully utilised the max rebate @RM600 per annum. Has any existing Just1 cardholers received such call from SCB? I reckon banks are working hard to woo customers now. Earnings have shrunk but NPLs are on the rise.

He referred to MBB Petronas cc and thus, it is FOC.

Do only spend within your means!

I have a method and it works!

I put a small sticker with a note "choose CR" on the card. Transactions went through smoothly without saying anything to the cashiers.

SCB Just1 gives rebates to all retail transactions. For petrol purchase at Shell, you need swipe the cc at the counter and ask the cashier to select Cr function. I've tried this and the rebate is reflected in my online statement.

It's challenging for banks to reduce NPLs given weak economic climate. All commercial banks have felt the pressure since early this year or end of last year and predicted their NPL ratios will climb in the 2nd half. Due to tighter loan policies and better management (probably), PBB being the exception of facing a surge in NPLs. These factors have reflected in its share price, which is still holding steadily compared to peers. Maintaining high loan quality seems to be a big task but most analysts view PBB as the best positioned bank in M'sia.

I find no rationale of keeping the Plat cc that one has never used. Why should you take the risk if you don't even use it? If you wanna own the Plat cc just for collection purpose, you can cancel it and the card is still yours forever.

I am not and wasn't a fan of MJ. But I do respect him and recognise his talent. Don't cry...zazaza

This could happen if you pay by cheque using the cheque deposit machine, even if it is a local cheque. I encountered this problem with CIMB a few times although the local cheques were deposited 1 week earlier than the due dates. So now, I seldom pay by cheque and if I wanna settle the cc balance via cheque, I'll make it soon after I receive the statement. This however, makes me lose the benefit of 20-day interest free period.

You can't do that if you deposit your cheque at the machine. It is stated clearly on the cheque deposit machine that do not bank in post dated cheques.

If I issue a cheque, I always put current date and ensure that there is enough fund in my current acc. In addition, I seldom pay via cheque nowadays as I experienced at times that the bank at the same branch (could be the working attitude of staff) took more than 5 working days to clear a local cheque.

This post has been edited by winner: Jul 7 2009, 02:05 PM

During the HLB cash back promotion held from end 08 to early 09, HLB deducted points to offset the cash rebates given. I also felt it's unfair and I highlighted my concern to HLB. The following 5% cash back promotion held from Feb to May this year was conducted without deducting reward points. However, the current promotion giving kids free meals seems unattractive to me. Furthermore, do bear in mind that its reward points expire every 3 years.

She can't force you to sign 3 application forms for 3 different cards. She seemed to have bluffed you for greater commission. It is unethical.

I did make a complaint to the CS and the staff promised me for an investigation. Since then I didn't get any response from the respective staff. I was tired of calling the bank again and explaining the whole story to another CS staff. In the end, I cancelled the cc, and my nightmare had ended.

Don't you think your statement is confusing and contrary? Nevertheless, do discuss only on cc topic and keep away your philosophy here. Ok

Perhaps your Black card makes you too high profile to own other cards.

SCB normally takes 2 weeks to process the application.

OMG! This thread has lost its guts since 2 days back. It suddenly sounds gangsterism and very “Ah Beng” type.


Before this I was quite interested in this cc, as it gives 1% cash back without a max cash rebate limit per month. However, after enquiring with HLB CS just now, it is not as straightforward as what I thought. I have changed my mind now.

1. Cash rebate is fixed at 1% and given to all retail transactions (excluding petrol), subject to a minimum purchase of RM100.
2. Cash rebate amount per transaction is rounded up. For example, if you spend RM100, the rebate is RM1. However, if you spend more than RM100 but below RM200, the rebate is still RM1. Let’s say your spending is RM199, you will still get a rebate of RM1, and not RM1.99.
3. AF – 1st year FOC. From 2nd year onwards, you ought to spend at least twice a month or RM8k per year, in order to get it waived.
4. No reward points are given

All these stringent T&Cs, especially item 2, drive me away!

Oh finally, now I feel PEACE!

tinker and vamp, I salute you! You guys really have the patience to entertain somebody who......you know what I mean.


No matter how well you plan it, the final rebate you get is still less than 1%. You should study the T&Cs carefully before you applied for it. But it's still not too late since you've just received it few days ago.

Delsey is a very good brand. Enjoy it.

Hey...isn't HLB considered a local bank?

Don't forget you need to pay an upfront handling fee.

Are you SURE?

There is no such thing as a "free lunch".

See the attachment below, Item No. 5 of the T&Cs.




Attached File(s)
 CIMB_Balance_Transfer.pdf ( 219.41k ) Number of downloads: 12