About international transaction charges, so far it never appears in my MBB statement or perhaps the charges were added and too insignificant to be noticed. The exchange rates provided are still always better than their counter rate.

My statement always shown the amount of foreign currency charged, and the after-conversion amount to pay. Some simple calculation shows the rate still beat their counter rate, or even the best "money-changer" rate in Sg Wang etc. That's why I am still in doubt of the 1% or 0.5% oversea transaction fee, will walk into the bank and triple check with them.

BTW, ATM card withdrawal through PLUS network at overseas also has pretty good rate, even with the extra charges! This is why I always board a plane with only RM500 in wallet.

This post has been edited by niel: May 9 2010, 02:11 PM

It's free for Maybank, they will courier to you.

Bank will only call if there's any suspicious transaction made. For eg, Try filling up petrol at two different location one after another, you will get calls immediately while filling the second tank.

Different banks have different mechanism to stop fraud, my above experience was with Maybank.

There was once on the very same day I made a transaction in Hong Kong and in Malaysia as well, but they never even called up. I suspect this is due to merchant's delay in posting the transactions and not Maybank's fault.

ambank petrol cashback sourcehttp://manasatu.com/?p=175

what 5% cashback, only for accounts with outstanding balance. what a joke.

it seems like credit card company these days like to have something big to attract your attention, then the fine print will totally turn you away.
consumers nowadays are not stupid, period.

You are not so lucky Most shop in Low Yat Plaza has abolished the 2% surcharge, but with minimum payment required. At least that was my experience with several shops there. No such luck in Digital Mall PJ.

Talk about speed of application, I would like to share my personal experience with HSBC.

23th of April - Credit card application for HSBC
30th of April - Charged me RM50 govt tax
10th of June - Required me to pay the govt tax by 11th June to avoid late charge.

Problem is, as of today I still not possess any HSBC credit card. At least 20 calls / email to HSBC and also my relationship managers from April until today, still can't get it right.

i think 400k is too low for PB, must be that you've met some other criteria...
OCBC on the other hand offer PB for >800k mortgage.

don't know about other place, i am with taipan branch. i get better treatment from ocbc compare to hsbc.

one fine day, i called hsbc and ocbc RM. asking for mortgage:

hsbc rm : can you please come to our premier centre i will explain in further details.
ocbc rm : what's your location, i will meet up with you.

perhaps this is because ocbc has lesser premier customers than hsbc. they tend to go to the extra miles.

after all, it depends on one's need. hsbc offer worldwide networks, ocbc service is more "personal".

alright, back to credit card. since CL is a big debate here.
for hsbc premier customer, if there's no income document provided, you will get 30k or 40k even though you have way more than the required minimum balance to be their premier customer.

i don't know if this is a common practice. i asked MBB for credit limit increase, they rejected. so i requested for temporarily credit limit increase to 100k, which i fully utilised, fully settled and then days later... they sent me a letter saying my credit limit has been increased to 100k

so you may try to do the same, after all, if they know you can pay for it, they will grant the facility.

This post has been edited by niel: Jun 21 2010, 05:39 PM

anyone find hsbc 25% cash back is sort of "misleading"?

upon checking the t&c. the following has to be met:-
1. min spent rm500
2. only after that entitle for certain % of rebate at different time
3. only certain items entitle for rebate.

i am fine with all the above, except when you read the last few lines, it is even mentioned :-

From the Eligible Spend made within the Promotion Period, only spend on
dining, grocery and shopping that are made in Malaysia will stand to
receive the HSBC Mega Sale cash back as per clause 5© above on a
‘first-come, first-served’ basis and subject to availability.

MADE IN MALAYSIA???

being a hsbc premier customer and it makes no difference when applying hsbc credit card. got rejected, without a reply reason nor reply.

This post has been edited by niel: Aug 4 2010, 10:13 PM

well above that figure. i opted for conventional credit card instead of the blue card, don't like to attract any attention

i'm really puzzled too, they can give me the blue card, but can't provide me with one conventional credit card. what gives?
nevermind, decided life goes on. so i walked to next door for Citigold with a premier miles card offered.

on the topic of enrich miles, i was told the redemption does not include fuel surcharge and airport tax. so the value of the miles accrued are lesser than cash vouchers etc.

yes, based on my calculation. AMEX way is still the best card for flying miles because of the 2x and very frequently 5x and 10x offers. if only more merchant accepts AMEX.

This post has been edited by niel: Aug 5 2010, 10:10 AM

Dear all, any on-going promo for AMEX credit card? 10x sounds good, buying a Mac at their Platinum partner soon

I had the same experience with Maybank, but later found out it was only shown as a convenience to us. Any foreign transaction charges (if any) has been incurred in the conversion rate.

I don't know if any other bank actually list foreign transaction surcharge separately?

So far I have only came across this in HKIA Fortress, no where else. Hmmm..