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 Debit Card V2

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erry-
post Apr 21 2011, 12:23 PM

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QUOTE(beyond86 @ Apr 21 2011, 07:09 AM)
ya
*
coz they want u to upgrade to visa debit, rm12 one time fee. haih! sweat.gif

Added on April 21, 2011, 12:27 pmor wait... are u under 18? coz its only for maybank saving/current account holders aged 18 and above~

This post has been edited by erry-: Apr 21 2011, 12:27 PM
erry-
post Apr 22 2011, 03:09 PM

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TS, 1st post, for alliancebank, besides younique, they also offer:

standard debit mastercard - for current/savings acc
platinum debit mastercard- for current acc (not applicable for islamic acc) with min deposit rm20k
premier debit mastercard - for privilege banking customers only

Added on April 22, 2011, 3:27 pmbtw, for me, alliancebank plat debit mastercard is the best debit card?

1.5% cashback (no tier-based!) ALL transaction (even petrol!), capped at rm60/month (first rm4k only).

still, better than pbb esso mobil debit visa that give 1% at esso/mobil only brows.gif

plus, FREE (got monthly quota) access to plaza premium klia & lcct!

(only, maybe not many people can open acc with min deposit rm20k)

This post has been edited by erry-: Apr 22 2011, 03:27 PM
erry-
post Apr 23 2011, 12:48 AM

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QUOTE(gerrardling @ Apr 22 2011, 03:27 PM)
pbb esso debit got no annual fee but alliance debit got. not many ppl afford to apply for it
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oh yeah the annual fee.
alliance plat = swipe rm4k get back rm60.
pbb esso = swipe rm4k get back rm20 (0.5% for non esso/mobil).
diff rm40. minus annual fee still get profit rm28 smile.gif

even swipe rm4k for petrol, pbb esso can get back rm40 only.
alliance after annual fee still get profit of rm2 brows.gif

(OT, for petrol i'm using mbb2 amex)

Added on April 23, 2011, 12:55 am
QUOTE(destiny6 @ Apr 22 2011, 06:09 PM)
cannot do online transaction 1 le....though i have the standard debit card, 1% rebate for all transaction, for me is good enough, a lot of forumer's choice is maybank debit card coz of online
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cannot eh? dont have mastercard securecode?

will try tomorrow ~ i just apply this alliance plat debit card on friday 22-apr 10am, and i can only make online transaction after 24 hours.

(OT, i do have maybank visa debit. my purpose for this alliance plat is only for lcct lounge laugh.gif)

This post has been edited by erry-: Apr 23 2011, 12:55 AM
erry-
post Apr 23 2011, 04:49 PM

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QUOTE(MilesAndMore @ Apr 23 2011, 11:41 AM)
Public Bank ESSO/Caltex VISA debit card. Can see all transaction history via Public Bank Online. Can be used for all internet transactions too. Absolutely annual fee free. You'll also get a monthly printed statement stating all your past transactions.
*
1. its pbb esso/mobil, not caltex sweat.gif

2. additional info, for under 18, the form will have to be completed and signed by the applicant's parent/guardian.
erry-
post Apr 23 2011, 04:53 PM

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update regarding alliance debit mastercard, ok confirm CANNOT do Internet Shopping/Mail Order/Telephone Order sweat.gif

but nvm. like i mention previously, just get this card to access lcct lounge for FREE rclxm9.gif
erry-
post Apr 25 2011, 02:03 AM

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QUOTE(friendlyash @ Apr 24 2011, 09:34 PM)
» Click to show Spoiler - click again to hide... «
*
ur arrival date is no prob if the website allowed it.

previously i booked airasia in IDR (Indonesian Rupiah) about 10 month in advanced, no problem.
(long story: previously if u buy 1 way ticket from another country than MY, u need to pay in their currency, but now no more, can convert and pay in RM using M2U already - to avoid Convenience fee if paid using card!)

i also used my maybank visa debit to purchased online in USD currency lot of time.

pre-authorization:
1. is by bank (not the website/hotel)
2. usually less than a week
3. the amount being hold will follows the bank's currency exchange on that day.

some website (yahoo as example) charge $1 then refund it back later (about 16 days).

see my example of transaction history (edited) to refer:
Attached Image

as u can see,
13-Apr, i bought something worth $7.99, and maybank preauth it for rm24.68.
16-Apr, mbb revised it back and charged accordingly (sale), which is rm24.44.
(the date rev & sale shows 12-Apr is because following US date)

so the pre-auth is about 3 days only ~

and for yahoo example, i bought something from them, they charge $1 on 01-Apr then refund it back on 17-Apr.
(not showing in the picture to avoid confusing : yahoo pre-auth of sale on that 01-Apr is revised on 06-Apr, about 5 days).

so, for ur case, if u said about rm1700, then better have balance more a bit than it, example rm1800.

smile.gif

This post has been edited by erry-: Apr 25 2011, 02:23 AM
erry-
post Apr 25 2011, 10:25 AM

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QUOTE(friendlyash @ Apr 25 2011, 05:53 AM)
thanks guys.  rclxms.gif  however to MilesandMore, is your HSBC mastercard a debit card? because if you use a Credit card for sure they will charge the same amount with the one u see on the last transaction page of agoda. but I heard you will surely be charged for more if u use debit card. after you actually checked in and out of the hotel then they will return the balance after deducting the exact payment of your stay.

besides that, you mentioned if I'm staying for one night only and the room rate is RM400, only RM400 will be deducted from my account. what if I stay 2 nights? there will be extra charges? cuz I planned to say at 4 different hotels, 2 of them I will stay for 2 nights.

finally, most of the case we have to bring cash along cuz maybe we have to pay by cash when we arrive at the hotel if we use debit card on agoda rite?

anyone who see my previous message just 2 msg away from this one, please answers my question  notworthy.gif  cuz I really hope someone who actually booked with a debit card on agoda and real example of holding of cash to share it  biggrin.gif
*
NEVER heard that statement ~

if u using agoda, u need to pay FULL amount, so why will be charged more?
bring cash only if the hotel need deposit, but surely the deposit amount is not same or higher than 1 night rate.

oh i just remembered, i did booked via agoda may last year! pay full amount (using credit card - also hsbc).

off topic : why we booked agoda using hsbc credit card? coz we got discount! smile.gif

This post has been edited by erry-: Apr 25 2011, 10:28 AM
erry-
post Apr 28 2011, 01:13 PM

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QUOTE(eddiez_zz @ Apr 28 2011, 12:19 PM)
hey guys,

i would like to get clarification regarding debit card.

I am currently using HLB ATM debit card.
Few days back, i went to a restaurant and i used my debit card to pay the bill.

i always thought that in order for them to settle the bill with my debit card, they will required me to key in the password.

But surprisingly, the transaction are able to go through without my password.

So guys, is it true that debit card does not come together with password? I felt insecure with this, as all cash money is inside that account. 

hope someone could help to explain on this.
thank you in advance.
*
QUOTE(alvinfks78 @ Apr 28 2011, 12:26 PM)
I had that too with my PBB esso with a site. A forumer said the merchant can opt not to use the password. Defeats the purpose of password if you ask me.
*
QUOTE(eddiez_zz @ Apr 28 2011, 12:43 PM)
gosh, that's really defeat the purpose!

This even make us more risky than having a credit card.  vmad.gif
i dont think i am able to convert my debit card to the conventional atm card?
*
actually, it is depends on what the cashier select/press at the merchant terminal;

if the cashier select ATM, then u need to enter the PIN.
if the cashier select Credit, then no need to enter PIN, it will be same as credit card, will approved if have enough balance.

even Maybank Visa Debit if choose ATM will also need to enter PIN ~

notworthy.gif

This post has been edited by erry-: Apr 28 2011, 01:16 PM
erry-
post May 1 2011, 12:17 AM

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QUOTE(limhongwoon @ Apr 30 2011, 10:10 PM)
So now I can enjoy unlimited withdrawal ?? I just went to Maybank ATM , I try to transfer money to my friend but it always show the processes not allowed
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yes u can enjoy unlimited withdrawal.

have u change the PIN? after change the PIN, try withdraw money 1st, before doing other transaction ~

This post has been edited by erry-: May 1 2011, 07:52 AM
erry-
post May 1 2011, 05:02 PM

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QUOTE(beyond86 @ May 1 2011, 10:00 AM)
ATM also have limited withdraw amount right
*
ATM limit can be changed to max rm5k/day.

rm5k included all transaction at atm (transfer, withdraw, purchase topup, touch 'n go)
means if u already transfer a money rm4k at atm, u can only withdraw rm1k, then u cant topup touch 'n go for the day.

while atm withdraw limit is rm1.5k
for rm5k on 1 time, u need to withdraw rm1.5k then rm1.5k then rm1k then rm1k (4x transaction, so for maybank non-unlimited withdraw option, u already maxed out free withdraw transaction per month)

except for maybank platinum debit card, u can set the max to rm10k/day.

Added on May 1, 2011, 5:15 pm
QUOTE(jyhy @ May 1 2011, 12:30 PM)
can i open two accounts in the same bank one for debit card and the other one for savings?
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YES. u will have different account and each account will have their card.

either u linked the debit card with current acc (coz u wont interruped the savings acc), or like bingozero replied, use debit card with their own acc - not related to savings acc.

This post has been edited by erry-: May 1 2011, 05:15 PM
erry-
post May 2 2011, 03:56 PM

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QUOTE(besiegetank @ May 2 2011, 12:26 PM)
Hi,

I have a question. I'm going to Italy next month and I do not wish to bring too many cash along. The problem is that I don't have any credit card. My gf has applied for maybank visa debit. I wonder if I can borrow her card while I'm traveling in Italy for visa payment or ATM withdrawal? Is there any procedure I need to follow?

Thanks!
*
u can even use that card for swipe at place that shows visa logo smile.gif

QUOTE(FL690 @ May 2 2011, 02:34 PM)
The other day, I wanted to buy a camera with my Maybank Visa debit card. However I was shocked when the salesperson  told me that he would charge X% because of some new rulings from the bank. Could someone please verify this?
*
its not the bank's rules. its just the bank will charge them X% for each transaction via the terminal. and they want customer to bear the cost ~

since the cashier inform u early, u can choose not to use card to pay. or just go find other shop that accept card without any charges.
erry-
post May 11 2011, 02:13 AM

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QUOTE(limhongwoon @ May 8 2011, 07:42 PM)
Yesterday , I try to use Public Bank Day2Day Visa Debit Card to pump Petrol in Shell Petrol Station but failed. Any guys can tell me what going on or have any solution to solve this problem ?
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have u reach the daily limit? default is rm2k (but u can change it).

have u try swipe at inside?
erry-
post May 11 2011, 04:36 PM

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QUOTE(alvinfks78 @ May 11 2011, 09:32 AM)
THe petrol station need Minimum RM200 pre-autorisation.

That means you need to borrow the station RM200 for one or two weeks first then you can pump.

Better go into cashier and pump.
*
esso/mobil and shell can set preset amount at the pump so there wont be any rm200 pre-auth charges smile.gif
erry-
post May 17 2011, 10:15 AM

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ur debit card need to activate verified by visa or mastercard securecode 1st.

do mind some debit card cannot use for online such as alliance debit mastercard.
erry-
post Jun 1 2011, 02:51 AM

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QUOTE(jason991 @ May 30 2011, 07:27 PM)
hmmm...between public bank n maybank debit card which 1 you guys recommended? im a student....juz use it for purchasing stuff or sometimes online transactions....currently most of my money is in cimb....since cimb is not offering debit card service i plan to move my $$ out
*
go for pbb (public bank bhd). the best is pbb esso/mobil visa debit thumbup.gif

btw cimb do offer debit card, namely CIMB e.MasterCard
this card can use for online, but:
1. cant access via cimbclicks unless u already an existing CIMB Bank credit card member.
2. dont have any advantage (no cashback, no points) sweat.gif

more info about this card - http://www.cimbbank.com.my/index.php?ch=19...0&tpt=cimb_bank

Added on June 1, 2011, 3:02 am
QUOTE(jerryloon @ May 31 2011, 12:13 PM)
PB debit card from TARC or UTAR is free for life. What if the debit card expire or over valid, is it still free for life?
*
usually 1 month before expiry date bank will send new card with new expiry year, and still, free for life.

better go for PB Esso/Mobil, also free for life.
the card give 0.5% unlimited cashback and 1% cashback at esso/mobil thumbup.gif

coz utar & tarc is points based, rm1 = 1 point, and valid for 3 years only.
and u need to spend rm25k to redeem rm50 shopping voucher! or at least, rm10k to get rm20 mcd voucher! sweat.gif sweat.gif sweat.gif
source: http://www.pbebank.com/en/en_content/image...demption_ge.pdf

while for pb esso/mobil, spend rm25k u will already get back rm125, or rm50 for spending rm10k smile.gif

more info about pbb esso/mobil - http://www.pbebank.com/en/en_content/images/pds_esso_d.pdf

This post has been edited by erry-: Jun 1 2011, 03:02 AM
erry-
post Jun 1 2011, 03:04 AM

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QUOTE(Molotov Cocktail @ May 31 2011, 12:46 PM)
how about alliance debit card can get 1% cashback, the drawback is rm12 per year annual fee, need to spend rm1200 a year to breakeven, if you spend much more than that in a year i think you can get this card
*
sorry, but the card main disadvantage is cannot do online transaction sad.gif

and the cashback is not unlimited per month ~

This post has been edited by erry-: Jun 5 2011, 11:40 PM
erry-
post Jun 1 2011, 08:17 PM

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QUOTE(jason991 @ Jun 1 2011, 01:21 PM)
huhu....nvm juz applied pb debit card...the registration was fast....mayb not alot of ppl....hmm...esso/visa debit better? is it juz better when u use on esso station? cuz the one tat i juz applied is the normal
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which 'normal' pbb debit card u apply? visa electron? day2day?
erry-
post Jun 4 2011, 01:16 AM

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QUOTE(epulnco @ Jun 4 2011, 01:08 AM)
hi, im using pb esso debit card. can i use to booking online at tgv cinema? anyone hv try it?
*
activate the Verified By Visa (VbV) 1st

Added on June 4, 2011, 1:16 amhere - https://tds.pbebank.com/venroll/faces/enroll.jsp

This post has been edited by erry-: Jun 4 2011, 01:16 AM
erry-
post Jun 4 2011, 01:43 AM

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QUOTE(epulnco @ Jun 4 2011, 01:34 AM)
tq. but i just get my pb debit card, do i hv to wait pin code in order to booking online at tgv?
*
no need. that pin is to withdraw cash at atm. just activate that Verified By Visa
erry-
post Jun 4 2011, 03:34 AM

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QUOTE(epulnco @ Jun 4 2011, 01:50 AM)
tq bro.....btw, do i hv to use the pin code to active paypal. bcuz paypal ask the number which i donno what is it (maybe pin code).
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if u mean to verified ur paypal acc, that means paypal want the code that appear on ur statement. just wait for ur statement or view it online.
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