It is very subjective, depending on efficiency of banks. It could be within a week, weeks, or even months.

Based on my most recent experience, I received Citibank cc in 3 days, Alliance and SCB in 2 weeks and Amex in 1 month.

Citibank no longer issues youth Blue Card which was well received in the early 2000s. It has been replaced with Clear Card.


As long as both cards are under MBB and given TPs, all the TPs can be combined for gift redemption. It is however advisable that you should request the bank to transfer the TPs of the cc you wish to terminate to another cc prior to cancellation of the card.

I notice that e-statement of Citibank in pdf format has got a lower resolution since last month. I actually prefer this way. However, next month's statement will be the last e-statement I receive from Citibank (at least for the time being) as I have just terminated my Citi Plat cc for the purpose of consolidating my existing CCs.

You need to report to the bank first and follow the instruction given by the bank (some banks may require police reports). You needn't pay anything. If the bank insists asking you to compensate, you can refer to Page 1 of this thread: BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250.


Were you asked to pay a card replacement fee of RM50?

Yes, SCB is such a Santa Claus, giving away RM100 and RM50 to new Plat and Gold cardholders respectively. A welcome gift in form of cash rebate is absolutely better than those cheap and low quality gifts.

This post has been edited by winner: Oct 17 2009, 04:44 PM

Commission charges are no longer applicable to outstation cheques for ALL BANKS under the new CTCS system.


Did you mean that your application was successful 2 months ago and you used your cc online but the physical cc has not arrived yet? That sounds weird. The cc must have been missing somewhere. You may contact the bank immediately.

It doesn't require 3-digit security number for SCB online bill payments, such as telco and utility bills, quit rent, assessment, etc. You can choose to make the payment via cc, current or savings account. What you need is to register the bill online and a transaction pin will be sent to your mobile phone.

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.

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

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.

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

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

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.

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

That's how tiered rebate rate system works. I'm 100% SURE my calculation is correct.


That's why I cancelled my Citibank Plat cc recently. And now, I hold very few CCs and all of them have been used for less than 12 months!

For Alliance cc, you get cash rebate and earn reward points simultaneously. 1x point for every RM1 spent locally. If you have Alliance Plat cc, you'll get 2x points for RM1 spent in overseas. Therefore, if your spend less than RM2551 monthly, say RM2550 using Alliance Plat cc, your total cash rebates (including points translated to cash back) for every RM1 spent locally and overseas should be >1.2%and >1.6% respectively. If you spend up to RM5k like what I did last month, the actual total rebate rates are even higher at approximately 1.8% local and 2.2% overseas.

Cash rebate rate for Alliance Younique is much higher than the conventional Alliance Gold cc. In fact, Younique MC's rebate is only slightly lower than Alliance Plat cc, on par with the latter in general.

If I am not mistaken, Citibank cash back cc only gives a flat rebate rate of 0.5% if you don't carry forward outstanding balance. Besides, no reward points are given.

As for SCB cc, I know only Just1 Titanium MC and SCB Business Plat cc give cash rebates. Were you referring to SCB Business Plat cc anyway?

It is normal for MBB, one of the LARGEST banks in Malaysia.

Gosh! I am now in Changi Airport and receive this bad news!

It's time to really look into my CCs and consolidate them. I may reduce the number of CCs to 2 in December. Out of the 5 CCs I have right now, the first to be cut are SCB VI (seldom use it) and Amex Gold cc (not widely accepted, although I could get 5x points for groceries and petrol pruchases). 1 VISA and 1 MC are enough for me.

Not up to that extent yet. VISA and MC will still be widely accepted in Malaysia. Although I don't like this stupid policy, it doesn't affect me much as I will only keep 2 CCs (1 MC & 1 VISA from different banks). Even if most merchants in Malaysia are reluctant to accept CCs, I can still use them in overseas. The cash rebates I receive in a month is already in excess of the RM50 yearly service tax. This stupid policy does not really aim at curbing consumer spending, it is in fact one of the direct income to the government in order to reduce the HUGE budget deficit or use the money to benefit MINORITY group.