Not just every 5th or 7th transaction but all your expenses charged to the card are entitled for the 0.5% cash back (except petrol). It is not much difference from the conventional credit card from HSBC. Last time a lot of promotions weren't available to HSBC Amanah credit cards but this is no longer the case.

And by the way, your girlfriend needs at least 10,000 HSBC Rewards Points to exchange for a RM50 shopping voucher, which is equivalent to 0.5% cash back just like your HSBC Amanah credit card.

Citibank Cash Back Platinum VISA. The savings can be huge even if you're going to spend only on fuel and groceries depending on how much spend every year.

AMEX Gold credit card then. The one without Maybankard logo.

AMEX does offer cash rebate. Just that you need to exchange your MR points accumulated for the cash rebate. Each Ringgit is worth 200 MR points which is equivalent to at least 1% rebate (up to 2.5% rebate). Just call the CS up and they will convert it for you. Alternatively, you can exchange it for some shopping vouchers.

Huh ? TM doesn accept AMEX ? This is news to me !

All right. You guys were talking about auto-debit. I thought they have started to accept AMEX over-the-counter or through tmonline.com.my.

How so ? Even if you walk into their office and apply there, they will still need a carbon copy of your IC.

On the bright side, you do get more what a credit card sales agent can get from the commission should your card is approved. As far as i know, credit card agent will get RM50 for every Classic or Gold card approved and RM100 for Platinum card. HSBC will now give you RM90 for your Gold card which is RM40 more

First of all, that is not true.


You will first at least need to meet the minimum required per annum salary printed on their website or brochure.

When my mom canceled her Maybankard Gold AMEX (with Maybankard logo) back in January 2009, she didn't have to surrender her card. Then in October 2009, she canceled her AMEX Green Charge Card and she didn't surrender the card either.

Wrong thread bro.


Here are some of the banks with lots of on-going promotion or discount at the moment :
- CIMB Bank
- Citibank
- HSBC
- Maybank
- Public Bank

You should consider AMEX too, by the way.


This post has been edited by MilesAndMore: Jul 16 2010, 09:47 AM

Yes. Indeed there is a 2.5% surcharge for a true American Express charge card or credit card.


Yes. All other banks do impose a surcharge too with the exception of Alliance Bank. However, some forum members here who have used both their Alliance Bank credit card and several other credit cards issued by other banks overseas said that when the payment appeared on their bills, Alliance Bank's appeared to be the highest despite their claim that they do not impose any surcharge for overseas transactions.


Yes. All of the above are still valid. Maybank and HSBC definitely have a surcharge for payment made in foreign currency. It is stated at the back of the credit card statement.

And one more thing, the foreign exchange rate is determined by VISA International/MasterCard Worldwide/American Express and not your card's issuer bank. There is no where to find out what is the current foreign exchange rate of VISA International/MasterCard Worldwide/American Express as the information is not publicly available.

This post has been edited by MilesAndMore: Jul 16 2010, 06:13 PM

But didn't they state that the minimum credit line for the RHB Bank VISA Infinite is RM200k ? Are you a super big RHB Bank Premier Banking customer ? Because even the regular Premier Banking customers can't get this card.

This post has been edited by MilesAndMore: Jul 16 2010, 06:34 PM

Apparently all RHB Bank Premier Banking customers will now be issued a complimentary VISA Platinum credit card.


RHB Bank Singapore is very much a sleeping bank And they do not offer any credit card in Singapore. Since CIMB Bank is so eager to tackle the Singaporean market, i wonder why they they do not try to buy RHB Bank's Singapore business over (RHB Bank has 7 branches there) ?

Either they have not updated their website or it is like a one-time offer only for the chosen few.

You can re-apply 6 months later.

No. You are not entitled for the above campaign. It is meant for fresh application only. Strictly no upgrade. It won't work if you cancel your card now and re-apply in a few weeks time as you can only apply for a new card from them a few months later. It is six months later, if i'm not mistaken.

Same here mate ! HSBC has a lot of cash back promotions but it seems to be that only those big spenders will benefit from it

From the information i gathered, no. You are not allowed to do so.


It is still a relatively new card. Therefore, there isn't adequate information available on this card. Anyway, the Takaful insurance cover for HSBC Advance VISA Platinum is not as high as the one for HSBC Premier MasterCard and HSBC VISA Platinum.

By the way, HSBC is also giving out RM160 if you apply for this HSBC Advance VISA Platinum credit card online. I am so freaking tempted now


No. I definitely am not

A few years ago, right ? If this is the case, then yes. You are eligible for the RM160.


You will have to apply for the HSBC Advance first. I suppose they just expect you to make the deposit at their branch someday when you go to get your HSBC Advance ATM card.

Anyway, if you open the HSBC Advance online, you'll see a message that you'll be applying for the HSBC Advance VISA Platinum at the same time (see below).



And the account maintenance fee won't come into play until 1st January 2011.




Nope. No one has said anything about that until now. I guess we really are going the American style now and Classic/Gold card shall be history soon (except AMEX of course).



The RHB Bank VISA Infinite is still very much alive.



Standard Chartered Bank VISA Infinite due to the 5x Choice Points for every RM1 charged to the card in foreign currency.



I'd go for HSBC Premier MasterCard over OCBC Platinum MasterCard anyday ! There basically is no promotion at all for OCBC Bank credit card.


How so ? They do have a lot of promotions every year.