Hehehe... I thinking i'm the lucky one upgrade free.. Not best as u think.. My main usage card is Citi Signature, Hsbc Premier and Standchart Plat.. If you always travel, you will enjoy the best deal from them. Local bank only provide local priv, if you are thinking Full Compliment, Above 3 card is must have .. ^^ .. CL not so important, services is what you want. u spending money what !!

Any idea what's the minimum CL Maybank offer for its World Mastercard?

The Standard Chartered Priority Banking VISA Infinite 5x Choice Points for all overseas transactions is very tempting indeed but it really lacks in terms of promotion both locally and overseas. Besides, it doesn't offer 0% installment payment plan with many merchants. So, i'd probably still go for the HSBC Premier MasterCard despite its not-so-great-looking design. Besides, the rate after conversion for Standard Chartered Priority Banking VISA Infinite overseas transactions are always higher than the rival banks.

By the way guys, rumor is that Standard Chartered will offer a new kind of packaged banking product called Preferred Banking. It is a bit like their existing Priority Banking services but the entry requirement will be much lower. This may also lead to the introduction of yet another World MasterCard in Malaysia as the Preferred Banking in Standard Chartered Singapore which was unveiled last week is bundled with a World MasterCard.