I think to be fair, looking at the benefits offered by SCB to their infinite cardholders to that by CIMB, its very worthwhile, especially if you do make use of them. The CIMB infinite, like their Worldcard offerings are in some ways not even equivalent to Plat cards offered by most banks. I mean, its equal to how you would feel about holding UOB's One Platinum, which is basically free as well, right?

This post has been edited by tgeoklin: Jun 30 2009, 08:12 AM

Being one of the very first to be issued the card, I will be more than happy to let you know in say, another 2 years whence the 3 years free annual fees expires

This post has been edited by tgeoklin: Jun 30 2009, 09:23 AM

Actually DA was a spin-off from Southern Bank, which was then bogged down and sloggish in order to improve services for personal banking thus taking out the corporate element and other unnecessary obstacles related to full fledge banking. It took off very successfully since it has a different management composition and it was them who introduced the first plat card to malaysian shore and not Southern Bank.

When CIMB took over Southern Bank, they too saw the wisdom of maintaining the independance of DA, which surprisingly has a much better card portfolio ie. much much lower repayment issue and provides better ROI than the generic CIMB cards. In fact the so called prestige CIMB cards today are a direct legacy from Southern Bank as otherwise they will still be another Bank Simpanan kind of card issuer.

Further, they both have individual card centre and staff fyi. And for a lot of graduates/professionals, they are indeed proud to hold the DA cards as opposed to the generic CIMB cards as it truly differentiates them. So in a way, the DA card label is actually even more prestige than CIMB's generic label, which will ensure its here to stay for quite awhile

This post has been edited by tgeoklin: Jul 1 2009, 08:08 AM

You hit it right on. DA is in fact more cost effective and efficient, while brand value is of course, much too subjective. As such, its not possible for CIMB to cancel its generic card and move everyone over to the DA line thus the rationale of retaining both lines until such times when the CIMB generic cards are able to stand out by themselves.

Further, success is not all about free for life cards only, as can be demonstrated by many paying card members around. Otherwise CIMB or DA would have wiped out the market when they were launched. But obviously CIMB is trying to change the perception that its generic cards are more prestige by upping its so called requirements but this does not change the fact that the market perception has not changed much as CIMB is still equated with the infamous Bank Bumi.

There's a full page advertisement in today's Star

Nope its across the whole range of DA cards but Visa & Master has different promotions which are mutually exclusive.

Its no longer in circulation

Download the CL increase form and submit back in together with all the relevant income documents or write in or call in to them and they will get back to you etc.

Mind posting up a pic of the HLB Visa Essential? Far as we know, that particular range of card offers 1% rebate across the board with no capping. Withdrawn by HLB many years back. Would be good if it makes a come back though

They are already here, namely RHB Infinite, SCB Infinite, CIMB/DA World Mastercard & MBf World Mastercard if I remembered correctly. Min income required is RM150k and above.

YES, these are the highest range cards by Visa/Master

As far as Visa is concerned, the signature cards were introduced in the US many years back and then replaced by the Infinite cards, which was supposedly a credit cum charge card. Signature cards on the other hand was supposed to be a co-branded card with prominant brand partners but now since overshadowed by the infinite cards.

World Mastercard is Master Card's version of the Visa Infinite while the Elite Version was supposedly a one up-manship. Closest version in M'sia would be the CIMB Enrich World Mastercard.

Guess its not how it looks but what it stands for that counts

This post has been edited by tgeoklin: Jul 6 2009, 05:17 PM

Well, that's why we don't really see much of these cards yet. Maybe when they reduce the entry requirements ........

However, we won't go so far as to label anyone a showoff as these cards does have their purposes in life. Eg. if you are to stay in the Burj Dubai for say a week, the bill can exceed RM100K, so its highly unlikely that a normal plat card will be able to manage such, not withstanding other travel charges such as air fare, transportations, shopping etc

This post has been edited by tgeoklin: Jul 6 2009, 05:38 PM

Hey, don't he knows Maybank don't take instructions from their card or account holder? Seriously, its a useless bank with useless products. The only reason its still alive is due to political support. Before I get flamed, Amex is not by Maybank, they merely bought out the franchise under ridiculous terms which is why they need to give such good rewards to make it a success asap to in order recoup

This post has been edited by tgeoklin: Jul 7 2009, 08:50 AM

Once upon a time, having a SBB/DA access gold card & above would enable you access to the VIP area, now not sure. Why not give them a call? But I don't think a Genting World Card will do the trick

CL normally 1/3 of your annual income as a rule of thumb ie. for RM150K per annum income, you are normally given RM50K CL subjected to overall CL in existence ie. if you have multiple cards, chances are the limit will be lower etc

This post has been edited by tgeoklin: Jul 7 2009, 01:10 PM

CS normally will not know. You may need to write in. Further, supp card does not carry any weight when applying for your own principle card. Another reason could be you are already having too many cards ie. cumulative CL threshold in breach per their requirement, so maybe you need to cancel one or two cards to make way?

This post has been edited by tgeoklin: Jul 8 2009, 08:03 AM

Erh, its not how many cards you have but how much liability the banks are willing to take on. Amex knows you but not SCB, so very different scenario. PB for eg will not approve anyone with more than 6 CCs etc. And Dozz is a high roller who even got his Amex Plat AF waived, when its supposedly unwaiveable, so guess can't take him as the normal benchmark, right?

Don't take it so badly, its not that you are not eligible but just that they are too prudent

This post has been edited by tgeoklin: Jul 8 2009, 08:28 AM

Hey, I have had my Diners for decades & last I check, no one had ever refer to me as an Ah Beng

Btw, I just received my Delsey luggage from SCB today So any of you guys got yours yet?

Its cabin size plus a laptop bag. Got it from the recent promotion where you need to spend RM25K and above within 3 months or something. Not much fun but per SCB, the value is ard USD650, so syiok sendiri saja

Please understand, a Court Decision is only precedent setting but not retrospective binding. Further, to use the above ruling without knowing or understanding fully the judgement rationale is very misleading as circumstances may differ