Guys, how does the Alliance Bank Younique card rebate system works ? How much is the cap ? It was mentioned before but i didn't really pay attention to it as i wasn't interested in Alliance Bank credit card then All information about the system i found in their website is about their regular credit card only.

Thanks, Winner

You can charge a maximum of RM5k only to the card.

Any VISA and Mastercard issued by any local or foreign banks can be used overseas, not just Citibank's



No longer the case. Maybank now has the highest number of customers in credit card segment in Malaysia since mid-2009, as reported by Star Newspaper, The Edge and Bernama


Agreed. There aren't really many privileges as many claimed. CIMB Bank Mastercard offers way more discounts. The redemption point needed to redeem for shopping vouchers from Citibank is also very high and not many choices


This is not necessarily a good thing. Citibank NA is losing millions of US$ every month from their credit card business. Credit card is a very risky business. This is the very reason why our homegrown Public Bank and the Singaporean bank, OCBC Bank do not invest much money in their credit card business.

Anyways, the crown now belongs to Maybank, NOT Citibank.

This post has been edited by MilesAndMore: Sep 18 2009, 10:04 AM

Each case is unique. For instance, my mom's application for HSBC VISA Gold was approved instantly but Alliance Bank rejected her application for You:nique


Indeed it is based on customer base.


Its image is tarnished, badly

I find it rather interesting that Public Bank's receivables is higher than UOB Bank. UOB Bank has been promoting its credit card aggressively over the last several year.

CIMB Bank, Maybank, HSBC and Alliance Bank are some of the better ones.


Beg to differ. Using cash doesn't earn you any cash back

What are you talking about ? AMEX Gold credit card is free for life, just like CIMB Mastercard. With absolute no minimum swipe.

Not quite. Since the post he quoted clearly states AMEX Gold cc

AMEX can be detected at all Shell station kiosk nationwide.

And i was saying Shell's kiosk can detect AMEX, unlike Petronas. Plain and simple. Why is it so hard to understand ?

Huh ? Please explain. I don't think they have the same problems. Justone has ATM issue, pin number problem and the debit/credit function. AMEX doesn't have this problem at all.

It is already known for quite some time that Petronas kiosk cannot detect AMEX and you need to swipe it at the cashier. Some have also said that certain Petronas stations do not even accept AMEX, even if at the cashier counter. Thank God there is always Shell

Definitely has nothing to do with that. I'm a Bumi, just so you know

Never mind. Let's all forget about Petronas and start pumping Shell instead Petronas is just too much hassle.


True. Just a reminder to all CIMB Bank credit cardholders who have supplementary card(s), you need to make a separate payment to your supplementary credit card because it doesn't work like all other banks where you need to bank in the money into the principal cardholder's account only. I found this out early last year

This post has been edited by MilesAndMore: Sep 20 2009, 07:06 PM

OCBC new Great Eastern Mastercard

The card is nicely designed. Comes with a more generous rebate compared to the old OCBC Great Eastern Mastercard. You all big spender should definitely apply for this card but bear in mind that there is a cap. The maximum rebate for Platinum is RM3000/pa and RM2000/pa for Titanium card.


OCBC Great Eastern Platinum Mastercard




OCBC Great Eastern Titanium Mastercard



This post has been edited by MilesAndMore: Sep 21 2009, 12:11 AM

Yes. Discussed it in the Priority Banking thread last week. You probably missed it


It's different actually as the VISA Infinite for Standard Chartered Priority Banking customers have "Priority Banking" embossed on it. Just like the HSBC Premier Mastercard.

This post has been edited by MilesAndMore: Sep 21 2009, 01:12 PM

Oh, did not realize you were already talking about it then. Thought you were talking about the OCBC Great Eastern Gold Mastercard as they only had this back then. It seems they no longer offer the Gold card now and instead they are offering Titanium and Platinum Great Eastern Mastercard now.

The is no mentioned of auto fee waiver in this newly launched OCBC Great Eastern Mastercard. Last time the annual fee for the OCBC Great Eastern Gold Mastercard will be automatically waived if you have auto-debit service for your Great Eastern insurance policy registered with the card.

This post has been edited by MilesAndMore: Sep 21 2009, 08:21 PM

It is a Titanium card. Something in between Gold card and Platinum card. Standard Chartered is not accepting new application for JustOne Titanium Mastercard at the moment.

That is so so true. Guys, all you need is the AMEX Gold credit card !!!!



HSBC is quite good actually. The points needed to redeem for shopping vouchers are one of the lowest in town, the lowest being CIMB Bank and American Express Membership Rewards.

For special discounts you need to refer to their SmartPrivileges catalogue online. Currently there is this 10% off at Starbucks i am taking advantage off


I have 2 HSBC credit cards. The first year annual fee for one of the cards is free. The annual fee for the second year onwards will be automatically waived provided you swipe it at least 12 times in a year. This applies to all HSBC Classic, Gold and Platinum credit cards.

This automatic fee waiver however, is not mentioned in their conventional credit card application form but all the HSBC staff told me the same thing, should be a real deal i suppose.


True. It's bullshit really.

This post has been edited by MilesAndMore: Sep 22 2009, 09:19 PM

Overall yes it is good. I'd say it's better than Citibank. Citibank seems to be such a hit even now and i still don't quite get that. The redemption points needed are also much higher compared to CIMB Bank, HSBC, AMEX just to name a few.

If one day i have the money to become their Citigold customer and i am given a complimentary VISA Platinum credit card, i'll probably just put it inside my drawer. Or may be a year later i'll apply one of their cards, just for collection I don't find the Citibank's credit cards benefit enticing, at all.

It just seems many are in favor Citibank credit card just because of the name "Citibank". They just want to use a card from a global bank. You want global bank ? Then go for HSBC. It's way bigger than Citibank (with more than 9000 branches in the world compared to 4500+ Citibank branches) and HSBC has a good image

This post has been edited by MilesAndMore: Sep 22 2009, 11:51 PM

Definitely not an issue. My dad had no problem using his Maybank VISA in Hong Kong and even USA.

Just a note to CIMB Bank credit cardholders. If you have your CIMB CLICKS enabled, you do not need to call CIMB Bank credit card centre to inform them you're going overseas and you might use their card there. You can enable the card for overseas use yourself via CIMB CLICKS. Actually it is already set for overseas use by default but you can just go to check it before going overseas, just to be on the safe side

This post has been edited by MilesAndMore: Sep 22 2009, 11:57 PM