i did contacted the bank twice. first time, customer service said will send a replacement card. 2nd time two weeks later, customer service asked to wait 3 weeks for card arrival. For now, i using AMEX as the SCB cc benefit not tempting enough for me to use as retail transaction.

is there annual fee for scb plat? how much is the req? im getting a scb but dono gold/plat, apply together when i apply their mortgage one..

Benefits of SCB Plat cc aren't that great. It's just a normal cc giving you 1x point for every RM1 spent and no cash rebate is given. However, if you use it for overseas transactions, you'll be given 3x choice points instead.


Its requirement for Plat cc is one of the lowest among all the card issuers in Malaysia. It only requires an annual income of RM60k if I am not mistaken. A few weeks ago, somebody here informed that he managed to get an SCB Plat cc with a CL of RM43k while having a monthly income of RM3k only!

It would be better to sign up Plat cc because it will give you an instant cash back of RM100 upon approval, compared to RM50 given to new Gold cc.

noted. will apply plat then. but got annual fee?

Oh great. Last time the maximum commission for outstation cheque was RM500

You will be asked/shown an additional sheet of paper outlining the cc promo that you will be signing up under and they will ask you to sign that up in additional to the form that you fill in. In that sheet of paper, it will state whether the annual fee is free for you or not.

FOC for 1st year. AFs for subsequent years could be waived upon request.

I applied for Amex Gold credit card and approved.... but they gave me another Maybank Mastercard platinum that I did not apply for.

Annual fee is RM550 but before, I am having Mastercard Gold.

I wonder why don't they offer me Visa Platinum lagi baik...

Congratulations and you can enjoy using Amex gold cc FINALLY.

MBB is famous for sending pre-approved cards to customers. I made a 1-month FD placement with MBB a few months ago for SUKUK, ASW and ASM reserve purpose, and MBB immediately sent me a pre-approved Amex gold charge card. I called and requested MBB to cancel the card, but the CS officer persuaded me to keep the charge card in my wallet, informing that I could get a laptop bag by charging RM50 only and I could terminate the card later on. After charging RM50 and receiving the laptop bag, I cancelled the charge card without hesitation. 2 months later, I applied for Amex gold cc personally as the benefits are much better than the charge card.

these instant cash is for new customers only ? what if you have an existing cc with scb ?

No. Existing customers won't get the RM50/RM100 cash, as what a cc agent informed me earlier.

is it all banks allow 0% (or any lower interest than normals) installment payment plan for any purchase that more than certain amount(2k i experienced)? or just certain banks? in my experience, UOB smsed me inform me regarding this feature when i purchased sth over 2k so i can just call back and tell them i want to apply.

There is no such thing as a free lunch. There must be some hidden costs or upfront charges.

yeah. perhaps they might just want to retain customer?

When I asked the call center agent, they said 2years?

It is stated in a 1-page simple agreement form (attached with application form), that all SCB CCs are given 1st AF waiver.

It doesn't matter whether it is free for 1 or 2 years. For me, I wanna make sure that my cards are ALWAYS FOC throughout the period of usage.

http://www1.uob.com.my/webpages/card_promo...PaymentPlan.htm

actually u have two option

1 u can visit some shop that already come with uob easy payment plan where is u can get approve directly if u have sufficient credit limit

2 u can first swipe amount which is rm1000 above,after that call uob121 and apply for easy payment plan.but this doesnt gurrantee approved

Hi guys...I need help...

I intend to apply for a credit card soon solely for buying a xbox 360 and only that. Anyone knows which credit card does not charge an annual fee? Not really into the perks as well because it's just a one time purchase and the card will probably rot away in my wallet.

Thanks in advance

CIMB Bank Mastercard, Maybank SONY VISA or Maybank Petronas VISA. All is true free for life credit card.

This post has been edited by MilesAndMore: Oct 19 2009, 05:54 PM

For CIMB Group, it is not only CIMB MC. All CIMB/DA MC and VISA (except CIMB Enrich) cards are free for life.