Didn't you read the fee and charges for the card before applying for it ? Anyway, CIMB Bank MasterCard are all annual fee free. I am 100% sure of that. They only charge annual fee for Classic and Gold Supplementary MasterCard but no worries, the annual fee can be easily waived with just one simple call to their credit card call centre.



No need to have a savings account with them. All CIMB Bank principal MasterCard are free for life.

This post has been edited by MilesAndMore: Jun 15 2010, 05:08 PM

You should go after the one written as "ELITE"

Anyway, 100% tia annual fee punya

Which has already been corrected by JJBerry earlier.

Yes. Why not ? Ask them when do you have to pay the credit card tax after the upgrade.

Yes. I recently transferred the HSBC Rewards points from my VISA to MasterCard.

The cash back is capped at RM500/pa. However, the bonus point isn't. This is one of the very few cards that give cash rebate on top of the normal bonus points. Each Ringgit charged locally will get 1.5 points while overseas transaction will each get 2 points. This is pretty cool. Definitely one of the better cards in the market. The card's design is very refreshing too !

The high requirement is to maintain the exclusivity of the card. You do not want it to be like a Standard Chartered Platinum card right which really is a joke !

Anyway, i find the rewards all right. There is a limit to everything. Besides, most cards even the prestigious ones such as Standard Chartered Priority Banking VISA Infinite, HSBC Premier MasterCard, HSBC VISA Platinum, CIMB World MasterCard etc don't really give a lot to their cardholders. So, this definitely is the better one out there.

Different of rank that is.

VISA range of cards ranking
> Infinite or Black
> Signature
> Platinum
> Gold
> Classic/Silver

By the way, Citibank Hong Kong and Citibank Singapore also issue VISA Ultima card to some of their customers. The Citi VISA Ultima card is the equivalent of VISA Black card.

This post has been edited by MilesAndMore: Jun 17 2010, 01:32 AM

What ? Just RM40,000 of CL from existing credit card ? Great !


You can buy a LV bag for your girlfriend or buy yourself an expensive Swiss watch at Starhill

Mind you the credit limit of Standard Chartered Priority Banking VISA Infinite, which is a class higher than EON Bank VISA Signature also starts around that figures.


The lowest credit limit for a Platinum card is RM1000. One of the users here have it

110% yes ! I couldn't be any more confident ! Even HSBC Premier MasterCard credit limit starts around that figures. There are a few Standard Chartered Bank Priority Banking customers lurking around in this very thread. Who knows better than the actual cardholder eh ?


The RM1000 credit limit given to a Platinum card i mentioned earlier is from UOB Bank. It is because the cardholder requested for it.


Yes. It was requested by the cardholder himself. I believe you too have read his posts about this several versions back

This post has been edited by MilesAndMore: Jun 17 2010, 10:57 PM

Just exactly When and where did you see me saying the starting credit line for the Standard Chartered Bank Priority Banking VISA Infinite is RM1000 ????? Please re-read the posts before you start flexing your muscles. And one more thing, your immediate family member has the SCB PB VI but there too are actual SCB PB VI cardholders posting in this very thread !



This post has been edited by MilesAndMore: Jun 18 2010, 12:23 AM

No. Certain merchants however only accept payment by credit/debit cards only if the total sum to be paid is at least RM50). Just an example lah.

Indeed it is. Unfortunately i do not see an end to this anytime soon as this too, is a common practice in certain parts of the well-developed Western Europe

This post has been edited by MilesAndMore: Jun 18 2010, 12:39 AM

Erm .. yeah ! Isn't that obvious enough ? See the reply below :
Get it now ? RM40,000 is the one i was referring to all this while.



Yes. He had. But some other people have it too. The post is here somewhere and you can dig it out yourself if you want to.



That's wrong ! You now need a minimum of RM250,000 of deposit/investment to become a Standard Chartered Bank Priority Banking customer.

The starting credit limit for the SCB PB VI is definitely somewhere around RM40,000 (just a tiny bit more actually). So is the HSBC Premier MasterCard.


OH MY GOD ! Why are you still not getting it ? Why you kept mentioning Standard Chartered Bank ? The RM1000 credit line given to a Platinum card has absolutely nothing to do with Standard Chartered Bank. Refer below :

Dude, the requirement has changed. And the webpage you quoted is the old one. It doesn't hurt to listen, does it ?



However, the post you first quoted me was replied to Centurion Lee's post about the starting credit limit for the newly launched EON Bank VISA Signature is only RM40,000. And if you refer to one of the quotes i posted in my previous replies and actually read it and try to understand it, you would have known that i was referring to RM40,000 all this while !



You sure did !



First of all, the credit limit of RM1000 - RM3000 which was discussed here yesterday was specifically referring to a Platinum card of which the bank's name was not mentioned then. Besides, it was never said that we were on discussion strictly about credit limit given by the bank itself and not the one requested by the cardholder.

How do you think we all know about the RM1000 CL given to a Platinum card then ? Because we were all talking about the credit card credit limit.


Everything is written clearly. Why are we not on the same page is simply beyond me. You kept on and on about this RM1000 despite all quotes i posted in my two previous replies specifically directed to you. This confusion shouldn't even happen in the first place if you read all posts clearly before hitting the reply button. Of course people will get frustrated after a while. Why is that so hard for you to understand ?

This post has been edited by MilesAndMore: Jun 18 2010, 09:47 AM

I've repeatedly pointing out that i was referring to RM40,000 but somehow you do not understand and refuse to listen ! It almost appeared to me you have problem reading English.


Despite numerous attempts trying to point out that you have misunderstood all this while and instead of reading all the posts clearly, you just kept on and on about something which absolutely has nothing to do with Standard Chartered Bank in the first place. Not even words in bold can make you understand. Moreover, i did ask you where did you see me saying the starting credit line of SCB PA VI is RM1000. A question completely ignored by you.

It's not to prove that i am winning. It is to prove what is right and to make a stand. Are you not doing the same thing ? And you seem to have a big problem listening to other people. Before you start labelling other people as immature, you might want to have a look of your goodself on a mirror. We are doing the same thing which is to prove we are right. And as mentioned over and over again, we wouldn't even be having this conversation if u read all my posts clearly and make sure you understand them all before replying.

This post has been edited by MilesAndMore: Jun 18 2010, 03:08 PM

You started this by quoting my reply to Centurion Lee yesterday. A reply which you clearly did not understand.



Nope. It was because you quoted my reply to Centurion Lee which mind you was very clear that i was referring to RM40,000. Besides, i never for once thought that you'll think i was saying RM1000 as it was crystal clear that i was not. You were the one quoting my two different replies (posted as one reply as seen in post #824) to two different posts and took it as if i were talking about the same thing.



Seems only happen to you though. Others do not seem to think so. Besides, it was you quoted me. As i said, the post is very clear that i was referring to the assumed credit limit Centurion Lee was talking about. Why would you take it the other way around is just beyond me.



Which was mentioned in post #838 and once again in post #847. I asked you to re-read the post and even had all the quotes in my replies yet you were still not getting it.



Calling people names in a public forum is mature ? Hey ... you see ? I learn something new today. Thank you


A dose of your own medicine. But please do not loss your cool. This is after all a discussion thread and misunderstand and mis-communicating are bound to happen as you said. Besides, you do not want to be labelled as being immature and having an attitude problem for losing your cool right

For those who become their Priority Banking customers because of the huge outstanding loan they have with them, you will automatically qualify for Priority Banking. However, you should ask them what happens as your outstanding loan decreases. Are they going to charge you the service fee when your outstanding loan is reduced to .. erm ... say RM100K. ?


Higher protection for travel insurance and you do not have to call in for annual fee waiver every year as it is free to you as long as you maintain your Standard Chartered Priority Banking status.

If i'm not mistaken, it is RM450K of outstanding loan with HSBC Premier. This is the other way to qualify for HSBC Premier besides having a deposit of RM200K with them.


But OCBC Premier Banking doesn't offer much to their customers, right ? The requirement is also higher than most other banks at minimum deposit of RM300K along with UOB Bank Privilege Banking.

This post has been edited by MilesAndMore: Jun 18 2010, 06:02 PM