I've never tried myself. Anyway, there is a master policy in their website. Not sure if RHB has it in their website but HSBC does have it on theirs. Basically it is hard for us to qualify for the claim. The HSBC credit card travel insurance is insured by HSBC Takaful (their wholly-owned subsidiary). You can refer to the table below for their T&C. It shouldn't be far off from the RHB one.



By the way, in order to be eligible for the luggage delay claim, only if the incident took place overseas is covered. If it happened within Malaysia, then sorry to tell you that you won't be able to claim anything.

Clearly you've been misinformed. Anyway, all their credit cards do come with complimentary travel insurance. When you make the claim, you just need to call HSBC up. The insurance policy is underwritten by HSBC Amanah.

It's pretty low in my opinion.


The requirement is very low for a high income society like UK. One of the highest HSBC Premier entry requirement is Hong Kong i believe. You need to have a minimum deposit of HKD1 Million to qualify. Anyway, many people in Hong Kong qualify for Private Banking services. So i guess this HSBC Premier Hong Kong requirement is considered very low to them.


All credit cards issued by all banks in Malaysia are good for overseas use. You might want a card that gives you double or triple points when you use it overseas.


RM60,000 for both.

Do you know what's the RM238 for ? Have you ever used the card ? Because even if it's a new card, you will be charged only RM50 top as RM50 is the credit card tax.


No. Not at all. I do it all the time



Exactly !


In a very advanced country like the United States, cash is still a big part of their lives but almost everyone relies solely on plastic nowadays. I even know some people that only bring cards and their driver's license when they go out because their credit/debit cards are all they need to pay for something

No need to sue them. Just file a complaint to the customer care unit.


Or you can switch to other credit card provider that provides better return through the points given.



The reason is because there simply are way too many people qualify for HSBC Premier in the UK which make it not exclusive anymore. It's the same thing in the United States. People looking for a more exclusive service will instead bank with private bank. HSBC Premier or Citibank CitiGold in UK and US are just going to help you to waive some fees and that's pretty much all.

And as for the HSBC Premier service provided in Hong Kong, i'd say they are pretty good despite there are also too many people qualify for HSBC Premier in Hong Kong.

HSBC Premier Malaysia has one of the lowest entry requirement in the whole world where HSBC is providing Premier services. I suppose it's because they are still building their ultra-light private banking aka Premier customer base.


Yes. It is clearly stated in Citibank website.

This post has been edited by MilesAndMore: Jun 30 2010, 10:50 AM

It's too late mate ! Your credit report is now officially "calar" liao.


However, it should be noted that only people in the USA rely heavily on plastics. In other developed countries such as Western Europe, most people are still using cash.

Yeah ... it seems that plastics are more popular in English speaking countries and several parts of Asia. This is obviously influenced by those English speaking countries. Another example is the Platinum credit card. Platinum credit card is pretty much the entry level of credit card in Singapore and Taiwan nowadays.


Not too sure about 7-11 but there was once at Giant, my friend was told the minimum amount is RM10. Popular bookstore is RM20, if my memory serves me correctly. There are also many family-run supermarket/hypermarket that impose a minimum limit for purchase paid by card.


Supposedly there shouldn't be any problem. May be you can try with other banks ?

By the way, i noticed that in our credit report (CCRIS), there is a special note that which credit card is given by the bank without any collateral and which is a secured credit card by FD. Went to Bank Negara to print out my CCRIS for the very first time yesterday.

This post has been edited by MilesAndMore: Jun 30 2010, 10:19 PM

I'll scan and post it up here later

Actually i am not even sure if 7-11 accepts credit card But i think i have seen a credit card processing terminal at the counter before. If i happen to go in one tomorrow i'll give you an update.

Here you go ...

Try Alliance Bank Younique MasterCard. The reward is better.

Yes. RM5000 maximum.

No harm trying. I am however not sure if they do provide credit card secured by FD.

I think the 00 is my credit standing. 00 means that i have never missed a payment. As you can see, i have two credit cards with the first one marked with 00,29 while the second card is marked only with 00. The first card is marked with 29 because i got it by pledging one of my Time Deposit accounts to the card.

So i suppose 00 means the card is not tied to anything ?

Noted. Thanks pal !


It is a very common practice that they ask you for the CVV code when buying something online.

WHAT ? Stamping fee ? HSBC did not charge me any fee at all when i applied for their credit card by pledging my Time Deposit to it. I believe Public Bank is not going to charge you anything too. Public Bank is the only bank that state publicly in their website that you can apply for secured credit card.

I think that's very typical of Alliance Bank. When i closed my savings account a while ago, they insisted that there is a service charge of RM10 no matter how long i've been using the account despite the fact that in their website it is clearly written there is no charge if i close the savings account after 3 months from opening. I suspect the staff attending to him is just like many other Alliance Bank staffs that do not know their own product offerings well.


Does that mean Public Bank will ask you to pay for the stamp duty ? Because when i applied for a secured credit card from HSBC last year, i did not have to pay anything at all

Yes. Same thing. I signed the same thing when i applied for my secured credit card but i paid nothing. No processing fee, no stamping fee whatsoever.

Yes. But they changed the rule already. The new rule comes into effect on 1/1/10. Before 1/1/10, they will charge you RM10 if you want to close the account even if you've been using the account for more than 10 years. But they won't charge you anything now if you close the account after 6 months from the date you opened the account. For basic savings/current account, it's 3 months and they won't charge you anything. The rule is now similar to CIMB Bank's and RHB Bank's.


Only 80% of the total amount pledged. The minimum credit line for HSBC VISA Platinum is RM30,000. So one will need at least RM37,500 to get the card.


Yes and this rule has not changed. It is still 1:1.

This post has been edited by MilesAndMore: Jul 1 2010, 09:15 PM