One good site to add from http://www.bankinginfo.com.my
KNOWING YOUR CARDS (pls spend some time reading it up, especially for first time card user)

1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay(中国银联)
7. Etc.

1. Annual fee matters

No need to request for waiver
CIMB Direct Access Platimum and Gold - requirement Professional/Graduate. ---> http://www.directaccess.com.my/index.php?tpt=cimb_da
UOB Platinum - got to have BOTH MasterCard and Visa and swipe minimum 6 times/card.
Alliance Platinum - swipe 12 times a year or spend RM5,000/year.
RHB Evo - got to swipe once a month or RM8 is charged for that month.
OCBC Platinum Robinson - swipe 3x any amount even few ringgit also can at robinson from month on card expiry not following year basis (http://www.ocbc.com.my/personal-banking/Ca...Privileges.shtm)
MBB Flex -got to swipe twice a month or else charged RM3.95
Citibank Choice - 2 transactions in a month
CIMB Mastercard Paypass - free for life without conditions

2. Tap and Go - no signature required matters

Visa Wave - MBB, UOB
Mastercard Paypass - CIMB, CIMB DA, CIMB Islamic ---> http://www.mastercard.com/sea/personal/en/...rd/paypass.html
Visa payWave - MBB Petronas, EON, MBB Petronas Ikhwan ---> http://www.visa-asia.com/ap/sea/cardholder...a_paywave.shtml

Paypass limited to RM120
Visa Wave limit should be RM150


3. Credit Card linked to Petrol Giants

BHP-UOB
Shell-Citibank
AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations.
Petronas-MBB Visa Gold with payWave (free for life with no conditions) ---> http://www.mymesra.com.my/index.php?ch=mm_...omo_promo&ac=75
Petronas-CIMB Mastercard Gold (free for life) ---> http://www.mymesra.com.my/index.php?ch=mm_...omo_promo&ac=75
All petrol brands with CIMB DA Mastercard with rebate up to 2% monthly and 5% on the first day of the month.
Petronas-MBB Ikhwan Visa ---> http://www.mymesra.com.my/index.php?ch=mm_...mo_promo&ac=123
Petronas-CIMB Islamic Mastercard ---> http://www.mymesra.com.my/index.php?ch=mm_...mo_promo&ac=123
AMEX credit card generally offer 2X MR/TP at ALL petrol stations that accept AMEX. The newly AMEX credit card offers 5X MR.


4. Standard financial charge (interest rate)

Retails purchases: 18% p.a or 1.5% p.m from statement date upon paying the minimum amount.

*Malaysia had adopted tiered pricing interest rate: BNM Press Statement
18% p.a. (now, most bank had adopted 17.5% p.a. starting Apr 09)
17% p.a. (now, most bank had adopted 16% p.a. starting Apr 09)
15% p.a. (now, most bank had adopted 13.5% p.a. starting Apr 09)

Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.


5. Complementary Cards

1) Citibank - Just deposit and maintain RM200k
2) UOB - Opening deposit of RM300k with maintenance of RM200k
3) Standard Chartered - Deposit & maintenance of RM250K effective 1st April 2009
4) OCBC - Opening deposit of RM300k with maintenance of RM200k
5) HSBC - Deposit & maintenance of RM200k

6. AMEX ---> http://www.americanexpress.com.my/amx_info...fo/home/home.do

A - Charge card

AMEX charged card gives rewards point (presently 2X if got Turbo 3X) for pumping petrol at ALL petrol stations. Another benefit AMEX have over others is that they presently have 6 months 0% installment for any transaction. AMEX is truly 0% as they is no handling or surchage fees as compared to DA and UOB.

B - Credit card

With the newly launched AMEX Gold Credit Card:
5x Membership Rewards points for every Ringgit spent on groceries, petrol, bookstores - Kinokuniya, Borders, Times and MPH - and telco charges via Express Autopay -Celcom, Digi, Maxis and Telekom.
2x Membership Rewards points for all spend elsewhere.

Link to AMEX thread: http://forum.lowyat.net/topic/547867

7. International Transactions

Mastercard and Visa charges a surcharge on top of the exchange rate. The banks also choose to charge an additional administration charge on top of that

Maybank: 0.5% -->verified by Hye

CIMB/DA: DA - 1% (starting April 2009 - by hye)

Hong Leong: 1%

PBB: 1.25% (thanks to the link by prasys)

http://www.pbebank.com/en/en_content/perso...ates/cards.html

Citibank: 1% --> verified by tinkerbel

HSBC: 1% --> HSBC will also charge a Misc fee; bank isn't able to provide details on what that is but according to CS whom I spoke with, there's a small misc fee. (contribution by Tinkerbel)

EON: 2%

UOB: 1%

Standard Chartered: 1%

AMEX card: 2.5% (Item 13.5 of the T&C)

OCBC bank: (provided by kei18kun)
overseas transaction 1%
http://www.ocbc.com.my/personal-banking/Ca....shtm?bcid=M5_1


8. Credit Card Cancellation Letter




9. Cash Advance fees

Citibank: 5% of cash amount (min RM20), and 18% p.a. daily interest (N/A for Ready Cash)

UOB: The cash advance fee is charged to any withdrawal of cash made. This is imposed for each cash advance transaction. 5% or RM20, whichever is higher.

Maybank: VISA/Mastercard (Both Classic and Gold) | Flat rate of 5.00% of the total amount of cash advance | Min: RM10

CIMB DA: 5% of the amount drawn, subject to a minimum of RM15, whichever is higher.

CIMB: 5% of the amount drawn, subject to a minimum of RM15, whichever is higher.

HSBC:
The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction
For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied
For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge

OCBC: The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.

10. Verified by Visa and Mastercard Securecode

Verified by Visa ---> http://www.visa-asia.com/ap/sea/merchants/...vbv_intro.shtml
Participating banks: EON, MBF , HSBC, PB, MBB (MSOS)

Mastercard Securecode ---> http://www.mastercard.com/au/personal/en/c...code/index.html
Participating banks: EON, MBF , HSBC, PB, MBB (MSOS)

11. Previous versions

Credit Card V2 Thread
Credit Card V3 Thread
Credit Card V4 Thread
Credit Card V5 Thread
Credit Card V6 Thread

12. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here, page 123 has the guidelines. (Courtesy of tishaban) (thanks awaynoway for the updated link))

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

13. FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm


14. AKPK - Agensi Kaunseling Dan Pengurusan Kredit | "We understand what you go through when you are financially distressed"
http://www.akpk.org.my/Home/tabid/36/Default.aspx

Financial Education | Financial Counselling | Debt Management

Link to AKPK thread: http://forum.lowyat.net/topic/876712

14. Other Links By Users:
Quite informative blog with links provided by Gen-X:
http://creditcardsmalaysia.blogspot.com/20...rds-cc-101.html
Disclaimer: If there's anything one wants to update on this first page or if there's any information wrong, pls PM me and I'll update if it's relevant.

Code to add as 1st page: (click the spoiler, than copy and paste)


This post has been edited by David83: Sep 10 2009, 08:02 PM

i have just had a cimb credit card but i dont have a savings account with them


can i open an online banking account so that i can use CIMBclicks?

No need to open saving account also can have CIMBClicks.

Apply ATM PIN for your CIMB CC.

AmBank launches credit card drive

URL: http://www.btimes.com.my/Current_News/BTIM...icle/index_html

Tried moving some of the last few posts over but failed
Messed up the topic.
So instead, I shall use the old fashion way: quoting the last few posts:

Bro you are on the right track in getting a card that gives you automative annual fee waiver. Some cards have conditions like you must swipe 12 times a year to get waiver on annual fees like Alliance where as EON bank you need to swipe 6 times for classic card. Alliance bank CC not to bad because you get cash back AND reward points that does not have expiry period.

If you pay your bill on time and in full then you don't have to pay a single sen more than you spend. Since your credit limit would most probably be higher than your monthly income, you must practice to never spend more than you can afford or else you will end up like millions of Malaysians working for the banks. Having said this, the credit given with CC does come in handy in emergency situation.

Bro, even if you only spend RM200 on petrol a month it comes out to be RM2400 a year and if you can get 1% cash back you get RM24 free money. If you have insurance. phone bills, TNB, quit rent or whatever monthly'yearly expenses, charge it to the card and get cash back also. Also with CC you can get 0% installement plan but when having these kind of plans you have to be smart and not pay more than normal market price.

Another option is debit card where you get the convenience of paying just like CC. Public Bank just introduce a new debit card called Day2Day where they give 1% rebate on grocery and petrol up to December and subsequently 0.8% and the annual fees is RM12.

http://www.pbebank.com/en/en_content/perso...s/visa_d2d.html

Anyway, DA not that great lah, the points redemption is so so and got to pay for courier charges.

Oh so fast new thread already.

I just got my new HSBC card, does it requires 6 times swipe for free for life?
Im lazy to ask the guy when applying lolx

anyone can give opinion on this gsc-eon bank cc?

http://www.gsc.com.my/gsceonbankcard/default.asp

imo its good for those who frequent go to movies with a group of friends, and watch gold/premium class.

Anyone received statement from DA recently? Mine came with leaflet of DA Smart Flexi-pay plan. Until end of the year, you can convert any purchase to 10 monthly instalments. No upfront charges to convert unlike last time.

hi all,
anyone know which bank offer highest cash rebates on credit card purchases now? not those only certain period offer.

Reporting in. Today submit the new Amex Credit Card application form. Not sure MBB will receive it properly or not. Or how long they need to process it.

Congras on the new thread. Let's continue our passion.

welcome to HSBC.
which hsbc card you have?

for hsbc classic, it's going to expired next year. 3 years waiver is ending soon.
so i asked the CS, she told me that, the new renewal card, will get auto waiver with 4 times swipe per annual.
asked her again, and again, she said is 4 times.

too good to believe.

yes. you right. if u r frequent movie fan, it's the card you need as you can see the advertisement in the GSC. haha

since now the number of eon-gsc card holder is just started to growing, i guess, the GSC-EON ticketing line now is being shared with gold class at One Utama. it still not the exclusive ticketing lane...

im even also line up at the gold class/eon-gsc line to collect my internet purchase ticket. haha...

the last time i called it's 12 times a year
but it's not written black and white on the website

The new MBB Amex cc looks interesting due to the 5x reward points and “free for life” feature. The requirement for redemption of RM50 hypermarket voucher is good, which is only 10,000 points compared with others @ >12,000 points. The reward points earned from MBB Amex cc are evergreen, right? While Amex is commonly accepted in petrol stations, Petronas so far still doesn’t recognise Amex. If Petronas accepts Amex, it will kill MBB Petronas cc!

That’s absolutely right. Since so many other CCs are also free for life and offer cash rebate, DA seems lag behind recently. DA needs to seriously think about ways to improve their CS, increase the % of cash rebate and waive the courier fee in order to retain existing customers.

Talking about courier charges, I came across somewhere that SCB Just1 also imposes courier fee for delivery of redeemed gifts. I couldn't locate the source now. Perhaps existing SCB cc customers can enlighten me.

This post has been edited by winner: Jun 20 2009, 09:27 AM

It is only for hospital, insurance and education transactions. Eventhough it only applies to these 3 categories, it does kind of shows that DA is concern and assisting the card holder.

Actually DA is like the leader in giving benefits to card holders like free for life AF and the 1st to give 2% rebate on petrol at all stations. I am sure that DA will restudy their "offers" with time once they realize that other banks are taking their business away.

anyone wan to apply eon gsc can pm me ^^

i called it's 4 times.

eon gsc applied at the HQ... almost 1 month already, no new.

freaky slow.

You are applying by post or by fax? One question for supplementary card. Do we have to write down good relationship for supplementary card holder to get apporved? Or any people like friends, nephew will do? Or is it just for family only?

This post has been edited by Putraskyline: Jun 20 2009, 12:37 PM

@Putraskyline,
I do believe we could always make our best friends or close friends our supplementary cardholder; it doesn't necessarily need to be just relatives.

@winner,
Yes Amex MR points are, at the moment evergreen.

Guys,

How long usually it will take for bank to "unhold" our RM 200 credit for petrol purchases?

Used my DA card to purchase RM 50 worth of petrol last Thursday, checked and they "hold" RM 200. They updated the online statement today, and they updated the RM 50 petrol purchase, but they haven't unhold the RM 200, which means they charged me RM 250 for the petrol purchase.

Except the not-so-great World MasterCard, I hardly see advertisements from CIMB/DA on new promotions lately. My colleague told me that he recently received a call from CIMB offering him a World MasterCard.

This post has been edited by winner: Jun 20 2009, 05:45 PM

In all my years of using cc (including from DA), banks will always charge you the actual fuel purchase. Yes, they do charge more than you pump but once the merchant submit their claims, you will be charged the actual amount.

To prove my point, in your statement DA charge you RM50 or RM250 ? You can even update us once your online statement is updated with the actual transaction.

Im a great fans of games, recently i discover the new capcom debit visa card. I'm thinking to get 1.

http://www.capcomrewardscard.com/?about

The card will be issue in US
What are the disadvantage use of using oversea card in Malaysia?

any good advice?

this is a prepaid card. you will have to load funds on it before using, like touch n go. Since it is in the US, you will have to find a way to load it in US currency.

Everytime you use it in Malaysia you will lose money for the currency conversion. In fact you will lose money twice. Once when you load the card, and once when you buy in ringgits.

Maybe good to have just for collection, but not practical for daily use.

you have a point there~ TQ... no annual fee but got monthly fee...swt

btw i just register a visa electron from Public bank and then i found out about the new card day2day card which pretty much like maybank debit visa but enable on9 transaction (as written in day2day card). On9 transaction is important to me... can i like convert it or change it without go to public bank? Public bank is so full everytime i go. I also opened a new saving account at the same day without any ATM card....

Bro ... you are talking about the wrong product in the wrong thread. You are talking about debit cards and this is credit cards ... please post your statements in the right place.

ops, sorry man, noobs here...i go find the debit card thread..

This post has been edited by Edison83: Jun 20 2009, 07:30 PM

Just checked again, they actually charging me RM 200 only, but they did update the online statement stating that I've spent RM 50 for the petrol. So they've updated the statement, but haven't unhold the balance of RM 150.

I had never checked DA unbilled statement online so I'm not sure about its system. But I've been using HLB online for years and the bank only updates my cc transactions on the posting date, rather than transaction date. I think you need not worry about the temporary additional sum. The system will adjust the figure when posting date comes. However, it would always be safer if you keep the transaction bill and counter check after receiving your monthly statement.

@mzaidi,
I don't think there's anything for U to worry about; unless of course U need the RM150 to be 'released' because CL is up?! *chuckles*

huh? i thought this only happened to debit card?

u check online? can see 1? how come i never notice my DA got hold any amount?

It also happens on credit card too. It depends on how fast that particular merchant clears the accounting.

No lah vin_ann ... for petrol transaction it is the same treatment for both debit and credit card and this is has been the same system for many years. You don't notice it in credit card coz you are using the "bank's money". I don't think it is something to worry about coz if he says is true then what the guy is indicating that the bank is fraudelently charging its customers ? It is unlikely right coz ... if any of the banks here do that then BNM will get them faster then us reporting it. Bank loses customers ... etc. It is an unlikely scenario and customers need not worry ... period.

Probably the guy studies his CL too much and likely coz it is affecting his CL. This indicate a indication (theory only) that he don't pay in full every month that's why seems to be rather sensitive about the CL.

No offense to the guy who posted the post.

This post has been edited by hye: Jun 20 2009, 11:17 PM

No la, this is my first CC, so a bit nervous, that's why I keep on monitoring the statements and the CL.

So far my usage is < 5% of my CL, and I always make payment within 24 hours of the purchase. I only use the CC when I know I have the cash equivalent in hand to pay back. Have to be careful to not get addicted with unnecessary spending.

This post has been edited by mzaidi: Jun 21 2009, 08:01 AM

Some people use CC as cash revolving tool.

Bro, you do practice some good habits like checking online your transactions and only use CC when you got cash. You having DA is a good choice as it is free for life and you get to enjoy discounts/rebates that come with the card.

Paying back in full in 24 hours.... not necessary lah. Wonder if this action benefits your credit record. Banks will love what you your doing. The most important thing is to pay your bill in full before payment date and treat your CC like a charged card. One of the benefits of having a CC is where you can enjoy free interest credit for 20days from statement date and up to 40 days depending on your transaction date. So let your money sit in the bank and get interest (eventhough it is low now) and make payment few days before payment date. Click on my signature CC101 to read more on interest free period.

This post has been edited by Gen-X: Jun 21 2009, 09:32 AM

@mzaidi,
I don't think U need to worry about paying back within 24hrs of using the CC. As good practice, just make sure you clear your bill in full at the end of the month; before the statement is due.

Also, in my years of using CC, I've never had problems with bank holding onto additional $ when I pump petrol; it's never affected my spending limit nor my CL.

I called DA just now to convert my spankin new Macbook Pro into installments

Smart Flexi-Pay 0% is only applicable to pay for hospital, insurance or education. For the rest, package goes like this :

3% upfront for 10 months installment
5% upfront for 20 months installment

What do u guys think? I hv cash for full payment in my ASB account.

@Syd G,
oOoh.. got urself a brand new unibody huh?! I'll go with paying for the purchase in cash.

Congrats on yr new Macbook! I'm slightly green with envy.
Better to pay it off with cash if you have it. Better not to start having this debt positions.

@tinkerbel
Thanks. I think I'll do that

@hye
I've been saving for it for 11 months! Been wanting to buy one for 5 years

i think just leave the ASB alone and pay by installment...3% interest for CC against 10% insterest for ASB...

@hye,
U could v well afford the MBP too except muAHahHAha perhaps U rather spend the $ on something else; and it better not be the iPhone 3G !

For me, if i have the cash to pay if off, I would rather swipe my card to earn points, then only make full payment back to the card.

Oh yes ... that is what I mean actually. Use card for the purchase and then pay it off in full when the statement comes. Actually it is beneficial to use cash back cards for large purchases ... you actually get an "indirect" discount!

depends....for me i prefer installment since it is zero percent and you can put the money in savings or FD ...at least u can save and gain interest from FD...=)

@Shinichi,
That's exactly what we all mean!

@arsenal,
In this case, it is NOT 0%. Personally I prefer to pay cash instead of going for instalment plans; that's like cheating urself! kEKekkeke

This post has been edited by tinkerbel: Jun 21 2009, 02:46 PM

can call it forced savings??..

@arsenal
they're charging 3% upfront. fd yields less than that. asb aint 10%, i'll put it conservatively at around 6% or so

if that is the case, then just do installment...because the ASB dividen will annouce in dec right?....must be disipline a bit..

the hsbc gold does it have any waiver AF or swipes ?

You need to find out what are the terms and conditions of payment. And if it will affect your monthly statement's billing.

In general, you can say interest for 10 months is 3.6%pa. So, if you ASB yields a higher interest than that, then it is more profitable for you to take the flexi plan.

But you must be confident in your own discipline to be able to make payments on time. Late payments are usually punished severely in these cases.

HSBC does not give automatic AF ... period. The agent or CS may tell you something else but if you noticed, it is not stated in B&W in their website. Means it is up to the bank's discreation. Honestly I don't think it is problem to get the AF waived if your payments are good and spend genereously. Some guys may say they are lazy to give the bank a call but what is a 5 mins call (about RM1.50 or less) which will save you at least RM80. (Depending on what care you hold)

---

Added on June 21, 2009, 5:56 pmAnother way to look at it ... someone may get into a spending spree as put everything into ez payments.
So you'll end up spending into something you don't really need just spur of the moment. Like you said, it requires self discipline and if you don't have it then don't tempt yourself unnecessarily.

This post has been edited by hye: Jun 21 2009, 05:56 PM

@arsenal,
Er.. no I wouldn't equate it with forced savings; that's more like EPF

@Syd G,
Are U eligible for FOC Snow Leopard upgrade then?! Anyhow, I'm quite sure U'll have no regrets on the MBP purchase of urs. I switched from Windows to Mac in Jan 2007 and have never looked back since

@tinkerbel
Not FOC, have to pay some for S&H. But that's ok. I've waited 5 years for one
Am currently using Ubuntu Linux so the transition wont be as drastic as Win -> Mac. I desperately need a new laptop since this one is 4 years old dy. While I'm at it, might as well get a Mac that I've been dreaming about

#all
I think I'll pay them off. I take pride in buying my consumables in cash (well, swipe first, pay full later - collect points in the process ) so I'll just clear this off this time

@Syd G,
I believe you're making the right choice in paying full when the statement comes. As to the MBP, go ahead and enjoy it

I also agree that CC not for future money, use it for safety + indirect discount.

Current using MBB Petronas + DA, Petrol using Saddiq coz 7% rebate

Any other Gd CC there??

Do any of you guys ever experienced a faulty chip with your credit card(s) ? My 15-month old CIMB Mastercard has recently gone dead and i am pretty sure it is due to faulty chip. The credit card processing terminal can't no longer detect the card. As far as i know, most banks are charging RM50 for every card replacement and according to CIMB, the first one is RM10 then subsequent replacement (includes misplaced or stolen) is RM50. Do i need to go to a nearest CIMB Bank branch to get a replacement or just by calling them up will do ? And is there a way to get them waived the card replacement fee ? Thanks in advance

If they are charging us for replacing faulty card, why not telling them we will cancel the card cause not usable. They might give free replacement this way.
If not might as well cancel the card then apply again...

hahaha, good one cancel the card and apply again. But redeem all the points first before you cancel the card.

MilesAndMore: i guess you can call up CS and inform them that you want to use the card but it is defective, so how to use? Ask for waiver as the card was not misplaced nor stolen and if they still insist on you paying the RM10, then you got to decide you still want to give them business for charging you something that is no fault of yours.

This post has been edited by Gen-X: Jun 22 2009, 12:21 AM

I changed my DirectAccess Mastercard 3 times. I managed to get to waive the charges stating it's not my fault the chip failed. it's a manufacturing defect.

By any chance do you use it at Petronas stations often ?

This post has been edited by ronnie: Jun 22 2009, 09:47 AM

@MilesAndMore,
Just contact the CS and tell them your card is faulty. It should be replaced for you FOC

@Shinichi,
Btw are U aware of Citibank's new policy of reissuing new CCs? Assuming you're a previous CC holder with them and cancelled your card, U will need to wait out a cooling period of 1 year before any new cards from Citibank will / can be approved.

This post has been edited by tinkerbel: Jun 22 2009, 09:56 AM

The bank has the final say. As CIMB/DA cc is free for life, it has some stringent policies to follow. However, I always feel that you would have a stronger negotiation power if you are a good paymaster and maintain good rapport with the respective bank. I had lost my HLB cc before, and the bank sent me a new cc (new acc no) with all points transferred to the new cc, without charging a replacement fee.

ohh thanks for the infor Gen-X.. so what cards is suitable for me? should i get younique? or any other better cards? do younique got this condition (swipe 12 times a year get waiver on annual fees?)

Bro ... let me lay it down for you since you have (it seems) narrowed down your preferences.
1. AllianceBank younique
2. AllianceBank CashBack cards
3. SCB Titanium JustOne

* Note please check your income eligibility. My take is don't care about whether got auto AF waiver - when the time comes (if they charge you AF), call CS and inquire for waiver. If they don't want to give you, cancel card and then reapply again. There are enough cards out there in the market to compete with one another.

3 times, u must be kidding

@alexwsk,
If the chip doesn't work it just doesn't work, so if U need to change it 10 times U need to change it 10x

Aiyo, why so lazy never go Alliance website to check? Yes you need to swipe 12 times for You:nique card for free AF. See below link

https://younique.alliancebank.com.my/pop_rebate.html

From above link you will note that Alliance You:nique cash back applies to all retail purchases including petrol. Also note that it will cost you RM38 to put your personalize picture on the card (which I feel it is just waste of money).

Well go ahead and get You:nique if you think you will swipe 12 times a year as it will be free. If there is an Alliance bank near you, better still for convenience when making payment.

In respect to your question "any other better card?"....... there is no one card that is the best or better than the other. If you have the time, click on my signature below to read my comments on CC.

I got mine FOC. It's ridiculous to pay for it.

That time on offer but now no more d. But in term of cash back, Just one leading the market...

thanks bro. will check on the other 2 cards


heheh thank you very much.. one more question. in the 12 times swipe are there a minimum charge for each time? if one month i pump petrol 6 times, each time i put RM30 le? lol. den two months already 12 swipe already lor. LOL. i read ur CC101 before oh..
one more last question... LOL.

mean RM1.5k per month right? but my income deduct epf and bla bla bla never reach 1.5k le. stil can apply? and how to apply ah? need to go to the bank apply? i dun alliance bank account le. urm nearby got alliance bank bout 5km lor. heard that this you: nique thingy promotion last until end of july right? ops too many question..

there is no minimum amount for a swipe, it depends on the merchant. And the 12 swipe requirement is within a year. Say you never use the card for 11 months and on the final month you swipe 12 times you automatically get annual fee waiver.

The income requirement is gross RM18K per year which includes bonuses and deduction for EPF, SOCSO & blah blah blah. You just have to proof your income is RM18K or more in a year and not necessarily just your salary. Just go to the branch and ask the officer what documents you need to submit with your application since this is your first CC. After you get 1 CC, very easy to get more. Maybe you should start by applying for CC with the bank where you have savings/FD account.

Nop, something new to me. But not affecting me yet as I do not own Citibank CC now
I think we can have this info posted at first thread so all Citibank CC users are aware of this.

The income requirement generally relates to your gross salary, which is before deduction of the various bla bla blas as you put it =p

Yea, you can pop by any branch and apply. And no, you don't need a bank account with the bank to apply.

wah, i thk they shud change a card manufacturer

urm... but my working experience still not reach 1yr wor. how? i thought need 3 month pay slip enough already?? i only got maybank saving account and and hong leong bank but never use for few years already.. why start applying CC with the bank i have?
thank you. so if salary = 1.5k havent deduct anything * 12 = 18k can apply lo? show my latest 3 month payslip enough edi or not? and other requirement??

I believe you can request the bank to waive the design fee on application, as the bank needs business. If the bank insists to charge the fee, you may consider not to have personalised design. Nobody is willing to pay RM38 for it!

Hey...you think too much. Why don't you just try and apply to 2 different banks rather than puzzling yourself uncomfortably? Most of your questions have been discussed in the previous CC Threads. If you're still not satisfied with all the answers, you can always give the banks a call or visit the banks.

Oh sorry, I am a little bit impatient now.

@Michael_G, applying for credit card is not rocket science and rejection is normal. It took me around 3 years before SCB finally accepting my cc application. Bro @winner is right, just apply for all and see which bank accepts you if you are so uncertain about yourself and worry about not having 1 year @ work yet.

Bro @Michael_G, it took me 1 year back then before being able to apply for cc although my salary qualifies. Patience is a virtue and please don't treat cc as a must have item in your life. It is a nice to have convenience in life but often abused by people who couldn't control their spending habits very well. It tickles me to hear people complaining about banks charging them a lot of credit card interest. In the first place, you won't have this problem if you have been paying your bills in full every month right ?

I have a friend who survives without cc for many years and travelled around the world yet he lives comfortably without worry even in a foreign land.

This post has been edited by hye: Jun 23 2009, 08:57 AM

couldn't agreed more, CC shud just be a TOOL to make your life more convenient

even if you do not get any rebates, you didn't lose anything

at least you don't need to carry so much cash with you (safety reason), and also able to consolidate your payment into one for the whole month + interest free period (could be up to 50 days)

Just one credit card max is 5% rebate on friday and 2% on other day right?

yes, up to a max of RM600 rebates/yr

Yes.

My first usage last Friday. Pay my TNB, Streamyx & Cecom bill through SCB website. They pay the rebate on the same day of the transaction.

hi all,
for standard chartered Justone card, principle capped at rm600 cashback per year, how about supplementary card? also same rm600?

alex & Ghz,

Have you tried using SCB Just1 at Shell? Can you check your unbilled statement online whether there is rebate for your transaction at Shell? Also, check whether SCB reimburses you with the RM50 early bird incentive. Pls update me.

@genkis3,
I believe principal and supp cardholders both have the same cap limit; and it shouldn't be separate for supp holders, meaning, RM600 for both combined principal and supp cardholders.

Can someone confirm the above?!

no, mention in v6 b4, each card will hav 600 limit, meaning if u r a big spender, pls apply somemore sup card(max=5 or 6 if not wrong), so total will hav 600x6=3600 cash rebate per year. call them twice to confirm tis, still waiting for my card to reach my hand so that i can try it out, hav applied 2 sup card..