Each bank has its own set of rules. It just so happens that HSBC will give you only 80% and even if you query them, they will only tell you either take it or go to other banks. Besides, it is no secret that HSBC is very strict in approving credit card. They were extremely reluctant to give me the HSBC VISA Platinum then. They kept on asking me why do i need a second card since they already gave one to me. Then, they tried to persuade me to take the HSBC Gold VISA instead which i refused. At the end of the day, they gave up and issued me the VISA Platinum. It took them 1 week plus to finally agreed to give me the VISA Platinum


Yes. But Public Bank PLUS Savings Account is their own product, therefore they can make any rules they want. So, as long as you do not close your PLUS Savings or any other Public Bank non-basic accounts in the first 6 months, you won't be charged anything.

This post has been edited by MilesAndMore: Jul 1 2010, 09:53 PM

Not that they are reluctant. Just that they are very strict and this is not unique to HSBC Malaysia. The HSBC Group as a whole is well known to be very strict in issuing credit card.

As for why HSBC was so reluctant to give me the VISA Platinum credit card ... well, i was told that they usually only approve this card to those applying using payslips. I was also told that this card simply is too exclusive that they cannot simply issue the card to anyone.

Anyway, Since i already have one card from them, i asked them if it is possible that they cancel my current card and give me the VISA Platinum instead. A request which they neither reject nor did they agree to. I also asked them how about the Premier MasterCard then ? Is it all gimmick that they want everyone to think Premier MasterCard is better than any other cards offered by them ? A question which they avoided answering. After that, they told me they will discuss it with their credit card HQ in Lebuh Ampang and will get back to me as soon as possible. They called me back about two days later telling me that they have approved my application and i will just need to go to their office to sign some forms and i shall receive the card within a week.

Seriously, i do not need the card actually. I'm a card collector and i am very fond of their VISA Platinum design which was why i keep on insisting to get the card. I was even willing to give up my existing credit card from them in exchange for the VISA Platinum. The anniversary is due in a few months time and i have just canceled it

Actually, someone else said it a while ago.


Yes. I believe so. By the way, overseas purchases will get you 3x Choice Points for every RM1.

You sure we have Citi Ultima VISA in Malaysia ? Because as far as i am concerned, Citi Ultima VISA is issued only in Hong Kong and Singapore and all Citigold Private Client can have the card.

Could it be issued by Citi Singapore ? Because there are a few cards bearing the CS contact number from a few countries.

Yup. choonkeong made it clear that we had it many years ago.

Anyway, it is reported that they will launch Citigold Private Client services in Malaysia in 2011 or 2012. At the moment they only offer this in Hong Kong and Singapore. It's been confirmed that Taiwan and India will get it later this year. May be we will get this card too when they launch Citigold Private Client services here in Malaysia The initial deposit is US$1 Million or its equivalent to become a Citigold Private Client in Hong Kong and Singapore. Not too sure what's the minimum requirement will be like when they launch it here.




Was RM100k last time.

This post has been edited by MilesAndMore: Jul 2 2010, 02:18 PM

Well, it sort of is like a black card which has the same status as VISA Infinite. But if you compare the requirements to get the card then of course it is a sure win for Citi VISA Ultima.

This post has been edited by MilesAndMore: Jul 2 2010, 02:26 PM

LOL ! Not a clue.

There is no student credit card in Malaysia. You next best shot is to ask either of your parents to sub one to you.

Oh ok. You can try Maybank Petronas VISA credit card.

Direct debit ? I think you mean debit card, right ?


Both Maybank and CIMB Bank offer Petronas credit card. Maybank's one is a VISA while CIMB's a MasterCard. Most credit cards do not give you anything when pumping petrol but Maybank Petronas VISA gives you 5x Treatpoints which you can accumulate and when it reaches certain amount, you can exchange for gifts or shopping vouchers. The CIMB Bank Petronas MasterCard gives you 2% cash back instead of point for petrol.

Besides the Citibank Cash Back Platinum VISA, AMEX Gold credit card is the other one. It gives you 5x MR points for every Ringgit charged which is equivalent to at least 2.5% cash back. There are also certain shopping vouchers you can redeem from AMEX that require lower redemption points, meaning the total cash back you can get can be higher than 2.5%.

But should be waivable.

No. No such thing as top up before you can use it. Charge card is very much like credit card which its card users are using future money as hebe87 said.

That is so true. However, it seems that Citibank Malaysia is the only Citigroup unit to have such an absurb practice. Citibank in all other countries allow you to open an account with them straight away even if you have no previous banking relationship with Citibank.

Actually it was a bit different with HSBC. Unlike Citibank which requires you to have a previous or existing banking relationship with them, HSBC required you to get an introducer before you can open an account with them even if you only intend to open a basic saving account. Anyway, they no longer do so since at least 2005. Anyone can now just walk-in and open an account with them and your ATM card will be issued to you right away. It's that easy ! Citibank on the other hand, will ask you to go home and wait for someone to call you in the next few days and they will mail your ATM card to your correspondence address. If they reject your request to open an account with them, you will just receive a letter from them and no one will call you.

Agreed !

This post has been edited by MilesAndMore: Jul 10 2010, 01:20 PM

He was saying that he is a big Maybank shareholder and his Maybank World MasterCard is already on the way.

HSBC has just launched a new credit card today. It's called HSBC Advance VISA Platinum and is actually a complimentary card. HSBC Advance is a current account and replacement to HSBC PowerVantage. It is a lot like HSBC Premier in many ways, some of the benefits include the use of Global View and free Global Transfer between your local and overseas HSBC accounts (capped at US$10,000 for HSBC Advance and US$100k for HSBC Premier) which was previously available only to HSBC Premier customers. You need only an initial deposit of RM20,000 to open this account and the HSBC Advance VISA Platinum will be mailed to you in the next few weeks.



This post has been edited by MilesAndMore: Jul 12 2010, 01:04 PM

No. No income documents required at all. But i think the credit line given will be extremely low since the starting credit line for HSBC Premier MasterCard is only RM30k.


Well, you can't deny that it is thousands times better than the HSBC Premier MasterCard in terms of design


I guess you have to blame the American for this

Anyway, this is just yet another packaged account from HSBC. It is especially beneficial to those who wanted to enjoy some of the value added services that were previously only available to HSBC Premier customers. HSBC Advance was introduced back in February 2010 in Hong Kong, UK, USA and Brazil. This new current account will eventually replace all the old current account in HSBC Group in all countries where it is present.

I really like this sort of packaged account which calculate your Total Relationship Balance (TRB) with the bank to avoid any fees instead of minimum balance you have to keep in your current account at all times. Hopefully local banks will also come up with this in a few years time

This post has been edited by MilesAndMore: Jul 12 2010, 02:46 PM

This post has been edited by MilesAndMore: Jul 12 2010, 11:44 PM