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

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

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.

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.

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

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.

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.

According to SCB CS. the max rebate is not combined for principal and supp cards. It means both principal and supp cards are given a max rebate of RM600 each.

Oh...glad to hear the rebate is applicable to ALL retail transactions and I don't need to switch to Petronas.

Can this be done? We were always told that Just1 acc is a combination of credit and debit (current acc) features. Pls update us on your clarification and confirmation from SCB.

I received my SCB Just1 exactly 14 days after I submitted the application. In contrast, I received my Citi cc in 3 days!

I think so, too! It's because my gf "kena" before? It took >2 months for the bank to call up and clarify something from her. We were like ??? speechless!!!

Sometimes I feel some cc agents are not reliable. They may put your application on hold if they have achieved the target in that particular month. The will result in a delay. That's why I prefer to apply directly from banks.

This post has been edited by winner: Jun 24 2009, 05:26 PM

Won't be surprised if they receive the cards 6 months later. Or else, the cc agent might have quit his job!

Just walk-in to any SCB branch. Of couse you can call the CS hotline and SCB will send someone to collect documents from you. But it depends on how efficient the staff handle your application. If you apply directly from the bank, there's no physical freebies except 5000 choice points. Besides, the RM50 early-bird incentive promotion could be already over as the card has been launched for nearly 2 months.

But at least they got freebies from the agent right?

Besides, I feel insecure submitting application to those cc agents in hypermarkets and petrol stations. Just imagine, they obtain your personal particulars, your other cc details and your signature. If they don't submit your application, you know the consequence.....

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Added on June 24, 2009, 9:26 pmI agree that HLB has one of the best CS, based on my experience thus far. The 1st impression is already good, especially from the auto voice which they use the former radio DJ, Yasmin Yusof's voice. It's very clear, energetic and fast.

However, I've just cancelled my HLB cc after holding the cc for 10 years, as it has less promotion compared to other cards. Most importantly, I try to reduce the number of cards that I seldom use. Currently I have 4 cards and will cancel another cc soon.


This post has been edited by winner: Jun 24 2009, 09:26 PM

To be exact, the cash rebate is 0.5% for Alliance Younique and 0.6% for Alliance Plat, for the 1st RM500 spending monthly.

They do have special promotion for some merchants. In fact they seldom advertise in the newspaper and only send out brochures to their existing customers together with monthly statements.

We referred to 2nd year AF actually. I also feel that it won't be easy to request for AF waiver for 2nd year. It may become a 1-year card for me then if I spend less than 15k as I prefer using Alliance cc on non-Fridays while travelling abroad.

This post has been edited by winner: Jun 25 2009, 09:20 PM

Still can't compete with Alliance Plat. This cc gives cash back of up to 1.375%, x2 timeless reward points and 0% admin fee on overseas transactions. If you spend on Friday, it's better to use SCB Just1, as the 1% admin fee is tiny compared to the 5% cash rebate given to you.

That's true. If you only hold both visa and master from the same bank, in the event that failure of transaction is caused by the bank, both cards also can't be used. I would suggest to have visa and master from 2 different banks. To control your spending, you can always request the banks to give you a lower CL.

Is your Amex a charge card? If it is, your both cards are different entities. Another possibility is that the failure of your MBB Amex was caused by Amex and not because of MBB. So that your other MBB cc wasn't affected.

Congrats, you were lucky! It depends on the respective bank's policies. Some banks have a strict requirement on income eligibility, such as HSBC, Citi and MBB.

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Added on June 26, 2009, 4:43 pmYes, SCB definitely needs to clarify this. I was surprised to hear that the principal cardholder can apply for 6 supp cards and all of them can enjoy a cash rebate of up to RM600 each. This card has been giving us so much doubt since the 1st day SCB launched it.

Please update us after you inquire another CS staff. SCB, we don't want flip-flop and we need a final answer!

This post has been edited by winner: Jun 26 2009, 05:03 PM