Agree with you! Especially MBB. Always thought themselves is "High Class" Bank but the service quite lousy

btw, all the expert out there, talking about cards benefit wise, which card provide more "rewards" for shopping in overseas such as United States? thx

I think Citibank is the best in term of overseas rewards.

---

Added on May 7, 2010, 12:15 amor alternatively, maybe AMEX also a great choice for western country

This post has been edited by raymond1003: May 7 2010, 12:15 AM

Malaysian issued credit card ? Practically none.


It is not recommended to use your AMEX overseas due to the high admin fee.

but the rewards point quite high wo, plus the there are high acceptance of AMEX

the i pay plan from cimb good?

Yup, very good!

icic. got any upfront charge or 0%?

got it bro, thanks so much!

can educate me about this admin fee thing? i will get charged for each purchase?

i ask as i foresee will be spending quite alot in overseas 2nd half this yr.

it depends 1. If not mistaken, for normal purchase got 2% upfront. Not sure for how many months 1. U can check cimb website.

ok. thanks for the info.

Hope it helps la.

Not really. VISA and MasterCard have better acceptance in the US. AMEX is accepted mostly in those really big stores, just like here in Malaysia.

Yes. You can get 2x MR for each Ringgit charged but it is not worth it unless you are on a company trip and everything charged to your AMEX can later be claimed from your company.



You can refer to the first post of this thread. There is a detailed list of admin fee charged by various banks in Malaysia for overseas transactions.

Alliance Bank is so far the only bank that doesn't impose any admin fee for overseas transactions and you get 2x Timeless Points.

This post has been edited by MilesAndMore: May 7 2010, 12:38 AM

It is fine if you like the points. The admin fee is 2.5% on top of your forex exchange. You are practically 'paying' for your rewards, congrats!

This post has been edited by hye: May 7 2010, 12:39 AM

I see. Thanks for teaching me how to calculate. Else I will still using it like noobs.. hehe

How is the credit limit provide by cimb? issit high for new applicants?

just received a RM5000 cheque from Maybank Credit Card... 0% interest for 6 months (but 3.88% cash advance charge)

This post has been edited by ronnie: May 7 2010, 12:42 AM

Consider high if compare to other banks. Usually is 3x to your gross salary, even if you have other debts like car loan.

icic. but if i want to apply the direct access, it seems like the min annual income is rm30,000. if lower than rm 30,000 still can apply ?

Depends on how much lower la. I think around RM27k still eligible.