It's a fair fight between the JustOne and Alliance Visa Plat. JustOne has the best rebates. Alliance Visa Plat has inferior rebates but has miscellaneous benefits like:
- evergreen points (RM1 = 1 point, double on overseas transactions)
- no overseas administration fee
- Purchase Protection Plan (reimbursement on product damage or loss within 30 days of purchase)
- travel insurance (life, luggage delay, luggage damage, flight delay, etc)

So far I've not seen any retail merchants which offer special discounts for SCB and Alliance, unlike the other banks.

Having 2 cards is also good for retail discounts. Example: You have CIMB and HSBC cards. When eating at Dragon-i, use CIMB for 10% discount. When eating at Amarin Thai, use HSBC for 15% discount.

Your agent can 'adjust' for you. I've applied CC by faxing straight to the bank and then the credit card staff asked me if I wanted a higher grade card. I said I don't qualify (I'm off by about 20K ), she said she can adjust. And it was successful.

If I remember correctly, commission for platinum cards are double that of classic/gold. Classic/gold commission is RM50 I think... not sure if this is standard. Also, commission is only paid if the card owner is a new member (not having any cards with the bank). This is what I gathered when chatting with the agents... not sure of the accuracy...

This post has been edited by Dannyl: Jun 26 2009, 05:16 PM

My colleague also uses post-dated cheques for Citibank. I drop them at the cheque deposit machine for him every time. He post-dates them like 10 days in the future. Maybe Citibank is lenient, becos he tried with HSBC and they wouldn't allow it.

Hi, wanna ask about SCB JustOne. Would it be better to have 1 principal and 1 supp, or 2 principal? Both applicants are qualified. What would be the advantage of one over the other? Points combination? Shared credit limit? Anything?

This post has been edited by Dannyl: Jul 22 2009, 09:59 AM

tinkerbel, I don't quite get you. Do you mean get 2 principals and 2 supplementary? If you do, then I don't think I need quite that many... it's either 2 principals or 1 principal/1supplementary but don't know which one is more advantageous.

I've called and asked, 1 principal and 1 supp can combine the reward points and yet still can have individual max RM600 rebate. But the thing I don't like is the statement cannot be separated and will be under the principal. So decided to go for 2 principal. Their office boy came to collect my photocopied IC and CC and let me sign some docs and my application is underway

You're right... I might take 1 supplementary instead. Anyway, there's another advantage to 2 principals - if they get approved by this month, there'll be RM50 cash bonus x2 principals.

Guys, those merchants who direct the credit card surcharge to the customers instead of absorbing them, anywhere to report them? BTW, how much is the charges? 2%? 3%?

My JustOne just arrived today. No more RM50 bonus... but the SCB fellow applied for the Business Platinum for me and my wife also, and I was told that once we activate the card by charging to it, we will have RM100 credited to the card. RM100 x2 = RM200. Yay!

The Business Platinum itself isn't very special... 0.5% rebate (excluding petrol), access to KLIA premium lounge, travel insurance, purchase protection, 3x points for overseas purchase... I'd probably stick to ABMB Platinum since it's about the same (or better in most areas) in comparison.

Also, today I asked for an annual fee waiver for Citibank AirAsia card which will be due in October... was told that my usage is too low, if I can spend another RM900 with the card by October, I'll get the waiver. Cancelled it outright.

A question - buying things / booking hotels from overseas websites, considered overseas transactions or not? If yes, then SCB JustOne effective rebate is 1% only after considering the 1% administrative charges.

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Added on August 12, 2009, 6:07 pmMy Citibank Giant card CL is RM3k

This post has been edited by Dannyl: Aug 12 2009, 06:14 PM

Need some advice. Saw this travelling tip on LonelyPlanet website. When asked what kind of currency to bring to a distant country where the country's currency is not available for exchange locally, it was said:


Can we really 'load up' our credit card account then withdraw the money overseas? I guess if we can, there is no cash advance charge nor daily interest since it's our own available money, yes? Maybe some overseas ATM withdrawal fee...

Why not you call banks directly to apply? Don't know about other banks, but Standard Chartered sent their boy to pick up my docs and let me sign the forms. I never had to step out of the office.

This post has been edited by Dannyl: Aug 19 2009, 07:49 AM

Ok, this is good to know. My ABMB ATM card has the Cirrus logo. I'll call them up to confirm and see if there's any overseas withdrawal fees. BTW, what about the "Maestro" logo?

Exchange rate @ ATM is better than our local money changer? That's good news to me

Sorry for digressing into ATM territory! But this is a good alternative/addition to CC usage overseas.

This post has been edited by Dannyl: Aug 19 2009, 07:58 AM

Sorry for digressing... again.

Overseas ATM withdrawal fees:
Maybank - RM12
Alliance Bank - RM8

Cirrus and PLUS requires activation first before overseas withdrawal. This can be done by calling your bank or at the ATM itself.

You can call them and they will come to you at your office. Not sure about other banks, but Standard Chartered will.

Do terminals overseas have this problem? I'm going travelling soon and SCB JO is one of the major cards I'll be using.

Guys, for SCB JustOne, how do you keep track of the total cash rebates you've received? Manually by Excel? There should be a way to keep track since the total allowed is only RM600 per year. I asked SC and they replied:


Thank you for your message dated 24/8/09.

Kindly be informed the cash rebate is as per transaction made and summary of total rebate is yet to be available in the statement. Sorry for the inconvenience caused.

So this is applicable for purchases worldwide?

Do you keep track of how much rebate you received manually? Becos I can't find any info in the statements and online banking.