not really, DBS has one for SGD45k
http://www.dbs.com/sg/personal/cards/dbs_c...details&cardall

Generally if you are a non-native in a country, applying cc over there can be a daunting task. Expect higher income requirement, stricter paperwork, local address and proof of employment, duration of stay in country, etc. You can't really fault them ... too many defaults and people who abuse the system. I have encountered this many times ... when the foreigners leave the country, they 'forget' to pay the last cc bill which will run into the thousands.

In SG generally everyone there cancels and reapply for new card to avoid AF. I'm unaware of FFL cards in SG.
And if you are using a non-local credit card in a foreign country ... there's always the conversion + admin fee which makes it slightly more expensive. Still sometimes it still works better to your benefit as the money changer rates are worse off. In some countries, money changers charges additional conversion fees - many Malaysians unaware of this as our local money changers don't work this way.

No problem.
It is a good question to answer and it is not those questions that I dislike.
Yes ... you are right about MBB and Alliance. Plus although MBB charges 0.5%, many has reported that their exchange rates is quite good and in some reported they are being charged lower than official forex rates.

SCB VI rewards you 5x or 10x (on yr birthday month) for overseas spending and their CS are definitely better than your MBB CS quality. Cons for this card ... you cannot apply for it anymore even if you meet income requirements (I think it was RM180K) as they now issue it exclusively only to SCB PB customers only. Lack of support for EZ payments (if you like this) vs. MBB among others. Again ... every card has their plus and minus and I think you understand this.

I think for your requirement ... best to go for Alliance. Not so high income requirements, 0% charges for intl spendings. Note your potential shortcomings ... CS so so only, Alliance not well known to give away super CL, gifts redemption (sigh!) and hope you are not fussy about cc payment. (There's always MEPS Interbank transfer)
The next one would be MBB AMEX which give away 5x points but the admin fee for AMEX is the highest ... so I'll avoid it if I were you.

* I always laugh at those who just started using cc when they say don't want to pay Interbank fees which are RM2. In early 2000, they are RM5. You want to save on RM2 but don't mind spending petrol and parking to go to the bank. Even walking to the bank is an opportunity fee ... I used to skip lunch just to pay my bills, now I do it @ night from the comfort of my home.

If you have a premier account from HSBC Malaysia, it will be easier to get a HSBC cc in Singapore if you work there.

i guess you can always go for debit card then although I'm not too sure bout dc in SG
i normally use US debit card while I'm in US, though nowadays i'm using my PBB cc coz it's just short term plus lazy to buy paypal funds

unless you get paid in that country's currency, else no point using their cc/dc
i assume you'll be working in SG for the near future

can i cancel the CC once the rm50 service charge is charged to the statement ?

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.

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i see.
btw, if i cancel before the anniversary date, i wont be charged RM50, right?
So is it possible to apply for another cc, then cancel before the date, then repeat process with another bank?

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).

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

I have the same situation as well but I know why.
I have several cards with SCB and the bank followed the anniversary month of the very 1st card I had with them. Over the years, I have changed cc products and although they are not applied in the same month of the 1st card ... all my cards with SCB use that month (1st card).

Well ... generally the cc anniversary should correspond with the expiry month of your cc. Only in few cases would it differ.

icic. thx for the reply.I want to know does it have any issue when not using the real name shown on your credit card??