Each Platinum credit card from each bank can have a maximum credit line of RM300,000. Let say Citibank gives you a VISA Platinum and a Platinum Mastercard, each with a separate credit line of the maximum RM300,000, then you will have a total credit line of RM600,000 from Citibank for your VISA Platinum/Platinum Mastercard.


Yes.

This might not be possible. Since you do not have sufficient credit line.

So did they approve your application for the AMEX Gold credit card ?


No need to submit your pay slip anymore if you're going to apply a credit card using existing credit card. Was told last time i went to get the AMEX Gold credit card application form. But my question is, will Maybank accept our 6-month old credit card as a reference ? Because apparently Public Bank do. So i wondered if it is ok with Maybank ? Any idea ?

No. You can't. If the credit line of your Maybank Petronas VISA is RM5000, then you can only do RM5000 installment. Maybe you can pay RM800 upfront and charge the remaining RM5000 to your Maybank Petronas VISA and then convert it into installment ?

If your Maybank Petronas VISA has a credit line of only RM5000. When you charge RM5000 into the card, then you cannot use the card anymore. Let say you have paid RM1000 back to Maybank, then you will be able to start using your Maybank Petronas VISA again as there are still RM1000 unusable credit line in your Maybank Petronas VISA.

For HSBC, you need to swipe 12x times in a year to get your annual fee waived (all the same for HSBC Classic, Gold and Platinum credit card).

To those interested, all range of HSBC credit card is annual fee free too for the first year.


I guess this is the reason why Standard Chartered can afford to give its credit card holders 3x - 5x points for overseas transaction. Keep us updated

May be you have too many credit cards already ?

Standard Chartered Malaysia Priority Banking customers will all soon be issued complimentary VISA Infinite credit card instead of the current Platinum Mastercard.

Standard Chartered has already relaunched its Priority Banking service in Hong Kong and Singapore and this will soon extend to China, Taiwan, Korea, Malaysia, India and the United Arab Emirates in coming months.

Just got this news a few minutes ago.

Do it over Maybank CDM. I did it once with my Maybankard AMEX Gold (yes, the very ugly one). I wanted the point


I notice that Standard Chartered still give very high interest rate for their "Privilege Savings/Checking account". I believe this account is reserved only for their Priority Banking customers ?

Anyways, i'm not too sure what does Standard Chartered mean with the relaunching of their Priority Banking service. I believe it is more or less the same as HSBC Premier and Citibank Citigold, with added perks.

HSBC Premier
- relaunched in 2007
- Complimentary Premier Mastercard
- Offering even better service such as global view
- Premier membership in HSBC worldwide as long as you maintain your Premier status at home
- Premier assistance in more than 9000 HSBC branches worldwide
- fee-free remittance between HSBC Premier accounts (same account holder only)

Citibank Citigold
- relaunched in 2008
- Complimentary Platinum credit card
- Offering even better service such as global view
- Citigold membership in Citibank worldwide as long as you maintain your Citigold status at home
- Citigold assistance in around 4000 Citibank branches worldwide
- instant fee-free remittance between Citibank Citigold accounts (same account holder only)
**instant remittance available in certain countries only

Basically the perks offered by HSBC Premier and Citibank Citigold are the same. Believe the relaunch Standard Chartered Priority Banking service will offer more or less the same benefits as its two main rivals. However, i think Standard Chartered is at an disadvantage here as their global franchise is no where as big as HSBC and Citibank.

One notable changes is the complimentary VISA Infinite credit card. Currently only Standard Chartered Hong Kong and Singapore issue complimentary VISA Infinite to its Priority Banking customers. Managed to find the picture of a Standard Chartered Singapore issued VISA Infinite. Click the link below to view.

Standard Chartered Priority Banking VISA Infinite

This post has been edited by MilesAndMore: Aug 13 2009, 07:55 PM

I think HSBC will be better. As HSBC is everywhere in Europe. Basically around every corner in UK. Believe they will be able to assist you better should anything goes wrong with your HSBC Malaysia issued credit card.

Guys, can a bank actually charge us annual fee if we haven't received the physical credit card and to activate it ?

Here is the problem. My mom signed up for 2x Hong Leong credit card in early April. One Hong Leong Bank VISA Gold and one Hong Leong Bank Gold Mastercard. She only received the approval letter from Hong Leong Bank 2 months later. But then my mom wasn't interested in it anymore.

No one was home when the postman came. The postman did not give us any undelivered notice either. Instead we got an undelivered notice from Hong Leong Bank about 3 weeks after we got the initial letter from Hong Leong Bank that my mom's credit cards been approved.

Since my mom doesn't want the cards anymore. She decided to just ignore the notice. No one from Hong Leong Bank credit card centre call about the credit cards. So it's been more than 2 months now and just this afternoon we received a statement from Hong Leong Bank that they have charged my mom RM320. RM160 for each card.

So can they actually do that ? I mean we NEVER activated the card. We do not even have the cards. how are we supposed to activate it ?

By the way, both cards are **Free For life. Need to swipe twice on each card in order to get the annual fee waiver.

This post has been edited by MilesAndMore: Aug 14 2009, 05:17 PM

Yes. Will do. Still don't get why would they charge us annual fee since the cards are still with them and we never activated the card. This is simply outrageous !

The card we're talking here now is Hong Leong Bank credit cards. And yes, Hong Leong Bank credit cards need to be activated. I still have the letter from Hong Leong Bank telling us that the credit cards need to be activated over the phone. I'm going out soon, will scan and post it here later tonight


Hong Leong Bank's conditional free for life credit card is not the only card that my mom has applied in the past.

My mom applied for Maybank Ikhwan VISA Gold around October last year when Maybank just rolled out the credit card, which its cardholder must swipe at least 12 times in order to get annual fee waived. However, we only get a response from Maybank in January 2009. Very efficient eh ? No one was home when the postman came. We did receive several undelivered notices from Maybank but we decided just to ignore it. We received the Maybank Ikhwan VISA Gold statement from Maybank 3 times between January - March 2009 but we were never charged the annual fee.

Another example is HSBC Amanah MPower VISA Gold. This card also requires its cardholder to swipe 12 times to get the annual fee waived. We did get this card. However, we were told by one of its own staff here in HSBC Kota Kinabalu branch that the card is not good as many promotion is not available to the credit card issued by HSBC Amanah. So we decided not to activate the HSBC Amanah MPower VISA Gold. Again, just like the Maybank Ikhwan VISA Gold case, we were never charged any annual fee.



We did not see why is that necessary as both the credit cards are inactive.


I beg to differ ! How are we supposed to use the said credit cards since we do not even have it ? And assume that we already received the credit cards from Hong Leong Bank but did not activate the cards, by rule both the cards should be inactive. How can they charge annual fee to accounts that were never active ? As per BNM law, they should not charge annual fee to credit card accounts that were never activated.


I see this more of Hong Leong Bank's ignorance rather than ours. This is just like a guy is trying to get a girl he fancy to be his girlfriend. But the said girl has been very cold and refuse to go out with the guy. So after several attempts, the guy should be smart enough to know that he has no chance and move on



This is exactly the same scenario with the Maybank Ikhwan VISA Gold that my mom applied in October last year.

This post has been edited by MilesAndMore: Aug 14 2009, 07:34 PM

Attached is the notice from Hong Leong Bank i promised earlier. About their credit cards need to be manually activated.



And by the way, some minor correction. One must swipes 24 times per annum in order to get the annual fee waiver instead of 12 times mentioned earlier.

This post has been edited by MilesAndMore: Aug 15 2009, 12:55 AM

HSBC Amanah credit card will give you cash back. For HSBC Amanah VISA Gold, you will get 0.5% cash back for every Ringgit spent, be it locally or overseas. As for HSBC Amanah VISA Platinum, you will get 0.5% cash back for retail transaction locally and 1% cash back for overseas spending.

HSBC credit card on the other hand, is all point based. Most promotions (discount or double/triple points) you see on their website or newspaper are only available to HSBC issued credit card. This is the reason why i did not activate my HSBC Amanah Gold VISA. It's been more than 8 months now since i got the HSBC Amanah VISA Gold, believe it's now closed.

Actually it will be given to you free of charge. But if you accidentally break it, then they will charge you RM50 for replacement. If you request for a security device replacement due to low battery, then they won't charge you a cent.

Even though HSBC Amanah is the wholly-owned subsidiary of HSBC, they are actually separate entities. You can still apply for a conventional credit card from HSBC.

By the way, i applied for two HSBC credit cards last week. This time i'm no longer a supplementary cardholder Received a call from HSBC yesterday and was told that my HSBC credit cards been approved. Should receive the cards next week. Now that is fast

Hmm ... that's disturbing ... I will try and give you guys an update.

Tried. At first i clicked the security device 4 times to get 4 different sets of number and then wrote each down. After that i tried to use the "fourth number" at first but failed. I tried again once, this time with the "second number" instead. Again failed. Since i already failed twice, i did not dare to try it for the third time as i afraid they might temporary disable my online account. So during the third attempt, i login like usual. Enter my username, then my password and lastly, i click the security device to get a number and enter it. Successfully login this time.

So the conclusion is that, you cannot use numbers that were used before. You also cannot generate several numbers through the security device, write them down and use it later/next time because their system do not accept it. I do not know how the hell HSBC make it but i'm impressed !!!!



True. There will be some forms you need to sign. Unlike most banks, where you can simply apply for online banking through ATM machine. This is impossible with HSBC. Should you wish to use HSBC internet banking, you must apply for it at one of their branch.

This post has been edited by MilesAndMore: Aug 16 2009, 12:20 AM

HSBC
- For regular banking customers > 9.30am - 4.00pm
**Weekdays only

- For Premier customers > 9.30am - 6.00pm
**Weekdays only
**No cash transaction between 4.00pm - 6.00pm


HSBC AMANAH 1 Utama & Shah Alam branch
- 10.30am - 6.00pm (cash transactions)
**Close for 1 hour between 1pm - 2pm on Friday
**Weekdays only

- 10.30am - 9.30pm (for non cash transactions)
**Close for 1 hour between 1pm - 2pm on Friday
**Mondays - Sundays

Yes.