On Wednesday called HLB as I can't seem to find my HLB Plat card which I have not been using since this year. Got a call today to collect the card at the branch and they even waived the fees for the replacement card. Pretty good service I must say. Too bad HLB don't have much promotion that benefits me but they gave me auto 3 years annual fees waiver and 20,000 reward points which is enough to offset the GST for 3 years since I only need 7000 points to offset GST yearly.

For people who are thinking of getting Direct Access card, my advise is to get CIMB instead as it is also free for life without condition. Last weekend was at MPH subang parade and bought some books with DA WMC, supposed to get RM5 voucher for every RM50, but the staff at MPH said that's for CIMB card holder only eventhought CIMB website ad clearly states the offer is for CIMB and DA Mastercard holders. On top of the vouchers, CIMB/DA MC also get 5% rebate until end of this year at MPH.

Click below for MPH offer with CIMB/DA

http://www.cimbbank.com.my/index.php?ch=43...k&tpt=cimb_bank
http://www.directaccess.com.my/index.php?c...087&tpt=cimb_da


yah, you are right, do get 5% rebate for dining Great for places that do not offer extra points or discount for a particular CC.

hahaha, me got no idea what the code means. I am waiting for the card and then only go clarify those codes. I guess they have to fine tune their offer and that's why haven't been marketing the Titatium card in the media.


Talking about dining, CIMB/DA gives up 10% at Starbucks everyday and on weekends at KFC and Bugger King! Click below for details.

http://www.directaccess.com.my/index.php?c...898&tpt=cimb_da

Someone previously said no.


Yes. It will be recorded in your CCRIS. As for allowing you to apply for a different card. The banks require you to provide your employment details too. Not exactly sure how you're going to pull that off though.

Where in the T&C says OCBC Titanium's Petrol rebate is capped at RM30 per month ?

Hmmm, I can provide proof of income abroad but not here - and I don't have employment visa or anything so I guess it will be difficult. Anyway , will see after I've had this card for 6 months or so

Here's some knowledge sharing
Strongly recommended to get pinned.

We found that out through the savings calculator.

nowadays shops charge consumers 1 to 5% if we pay using CC

They are not supposed to nor are you supposed to tolerate such nonsense. If got proof, do report the incident to the bank.
The problem with Malaysian consumer is that they tolerate it because they want to use credit card.

winner,

they really treated you bad. i would complain if i were you - call the complaints dep and make some noise esp. why on earth they made you leave.

but the card is still the best in terms of cashback. if you always hover on or above 5k spending you get 68.75 monthly cashback + points. 21,800 pts = 100 cash voucher so you end up around 1,100 cash back annually. i didnt manage to find a better deal so far.

This is really suck!
I actually applied for HSBC CC online since they r having the cashback promotion. On the same date itself, i submitted my documents to one of the officer in Puchong branch, then she said will contact me in case of anything. But she never did, I sms her asking my condition, she tak layan, call her, then she sounds very terrible, like I kacau her. WTF is this...

And a month later, today morning, I received sms from hsbc, saying my application is declined because they DID NOT heard anything from me! now this is very irritating.... Y they treat customer like shit!?

Alliance Bank has always had this "i don't care" attitude.



Lodge a complaint. Don't let them get away with this.

This post has been edited by MilesAndMore: Aug 21 2010, 10:51 AM

hello all,

i have the following cards:

citibank gold VISA
and citibank shell gold VISA

they said for co brand, u can have the same card brand i.e. VISA more than once

now i would like apply for a VISA Platinum
do i need to cancel the visa gold above?

You do not apply for the VISA Platinum. You request for an upgrade.

Oh yes I also heard about that. You can't have more than one Generic card of the same type (Visa/Mastercard).
Like miles said, ask for an upgrade from the bank.

And cash rebate for dining is worldwide, not only Malaysia, I can't find any other cards can offer this.

and yes, i agreed. all this while, i'm using cash interested with OCBC Titanium, but no branch near me..

Yeah agree. MCC is controlled by Visa & Mastercard so likely it can be applied worldwide.

Anyone have idea if HSBC Premier MC, HSBC Advance Visa Platinum and HSBC generic cc are combined credit limit or not?

It's OK, as I had have the intention to downgrade my Alliance Privilege Banking Premium debit card to Alliance Personal Platinum debit card long ago. Reason being I hardly utilised the debit card, as I still prefer credit over debit. Also, I transferred the money to other kind of investment which could give higher returns in the short to medium term.

I do agree that Alliance's cash back per month or per year is thus far the highest in the market. I also benefited from the maximum cash back received, i.e., RM68.78 for many many months. However, if I did not spend RM5,000 per month on Alliance Platinum cc, the amount of cash back was insignificant. Further, there are not many interesting stuffs that can be redeemed under Alliance's reward programme. The points required for redemption are also rather high compared with Amex, MBB, SCB and CIMB.

Then just apply online, no need go to branch, they will call you to verify your application, dun worry.