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

RM40000/pa if my memory serves me correctly. OCBC Malaysia has one of the lousiest website of all the retail banks in Malaysia.


Believe she was being sarcastic






Credited into your HSBC account ? I believe this bank is charging RM10 if you want to credit your salary into HSBC, am i correct ? Thank God they are not the only bank in town


Agreed. They have improved a lot in this aspect.

I believe this applies to CIMB Bank Mastercard holders as well ?


And the other banks are Maybank and CIMB Bank. These two have lots of promotion year round with CIMB Bank having the most discount. I guess CIMB Bank really take their credit card business seriously.


Certain branch do open for business on Saturday. Please refer to their website.


3 months. Yes.


This could be because the delay from the courier company or they only ship your application form to their HQ just before the weekend. There are a number of reasons ... the fastest way is to fax it directly to their credit card centre.


HSBC Amanah MPower Credit Card-i has no cap. 1% cash back for overseas spending and only applicable to HSBC Amanah Platinum MPower Credit Card-i holder only.

As least you can save on the 1% admin fee. Other banks such as Citibank gives you 2 points for every Ringgit charged (Standard Chartered gives 3 Choice Points/RM1 for Platinum and 5 Choice Points/RM1 charged in foreign currency). It is more or less the same.


Still too little. A far cry compared to CIMB, Maybank, AMEX, Citibank and even HSBC.


By calling them up.

Too much orange though


CIMB Mastercard will entitle you for 10% or 15% when you dine at Amarin Heavenly Thai While AMEX gives you 15% or 20% discount (couldn't remember how much exactly).


Couldn't agree more.


Most likely you will be rejected but no harm trying. Another to geta credit card is by deposit some time deposit into the bank you want to apply a credit card.

A fixed savings doesn't count. it need to be time deposit aka fixed deposit.


Give CIMB Classic Mastercard a try. CIMB has many partner merchants and lots of discount year round.


Wah ! Very lucky of you

Or you can put some time deposit into the bank and then apply for one. However, you must be AT LEAST 21-year-old.

You can try with Public Bank or AMBank. Open a time deposit account with RM10,000 and you can apply for a Gold Credit Card with a credit line of RM10,000.


Agreed. And hopefully more banks will offer cash back credit card. Cold hard cash is way better than some stupid point. Not to mention those banks can save on courier fee too.

Yes.

By the way guys, i was at Hong Leong Bank website just now checking out the range of credit cards offered and found that Hong Leong Bank is offering up to 2% cash rebate for their Platinum cardholders on top of the RM1 = 1 Reward Point system. Any idea how does the 2% cash rebate works ? Is it something like Alliance Bank credit card ?

This post has been edited by MilesAndMore: Jun 29 2009, 02:14 AM

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

And The Gardens as well.

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.

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

And also the nicely designed card, just like their World Mastercard. Unlike HSBC Premier ... Sorry, couldn't resist it.


Standard Chartered Singapore is now issuing complimentary VISA Infinite to their Priority Banking customers. Believe Standard Chartered Malaysia will follow suit soon.


Mine too !!! Just last week i complained that the chip no longer can be detected (tried it at several different places) but surprising the CIMB CDM can still read the card when i went to make the payment 3 days ago. Thought the card's good to go now but guess what ? Once the card's out there's a crack on the right near the magnetic strip


Same with HSBC. Had the same problem with their ATM card a while back. Was told they couldn't reset the password and they have to cancel the old ATM card and issue a new one. Assume it is the same for their credit card.

The crack is 2cm long. I guess it's time to put it to rest for good

RM300k makes sense actually, since in most other countries the entry level is ... erm for example Citibank Thailand, HSBC Thailand and even Standard Chartered Thailand require you to have THB3 Million (about RM300k) in deposit with them to qualify for Citigold/Premier/Priority Banking.

Citbank/HSBC/Standard Chartered Singapore entry level is SGD200K (about RM490k)

Citibank/HSBC/Standard Chartered Hong Kong entry level is HKD1 Million (about RM460k)

Citibank/HSBC/Standard Chartered Taiwan entry level is TWD3 Million (about RM300k)

Just to compare only lah So i won't be surprised if one day all the foreign bank in Malaysia raise their entry level to RM300k.

It is no longer in circulation as mentioned in previous page.


Correct.

Really ? I stand corrected.


I personally think Hong Leong Bank's Gold/Platinum credit cards are very nice looking cards. Certainly much better looking than my super plain CIMB Gold/Platinum Mastercard

Oh yeah, Hong Leong Bank Platinum Mastercard is very ugly indeed but their VISA Platinum is quite nice looking The CIMB Platinum Mastercard on the other hand, is very plain. Just like Hong Leong Bank Platinum Mastercard.

Hong Leong Bank VISA Platinum

Supplementary card is meant for other people. If you apply for a supplementary card, it will be the exact version that you are holding as a principle cardholder.