FYEI,...OCBC is the 2nd largest bank in Singapore after DBS.... OCBC Titanium can be use to enjoy offers while travelling to Singapore.

winner : Do update us what is the Forex exchange rate for OCBC. The CS told there's a 1% admin fee.

if u'll like to keep the normal saving, u also can open a basic current account which has the same benefit as bsa

Well, u got to give credits to Maybank, their 'influences' amongts locals are good, their ATMs, branches and ads are everywhere, not to forget M2U flexibility to be used with MYEG, GSC e-ticketing and etc, dats what matters, popularity amongst citizens

That is true !


That is true but biasalah


It is also the second largest bank in Southeast Asia in terms of capitalization. It is even stronger than our government backed Maybank

Today I check my UOB cc.
They suddenly increase my credit limit from 3k to 6k
Maybe they know that i going to cancel this card while the GST due!

But, i cannot cancel this principle card, as my suppliment card,
they are currently run EPP plan, which still got 10 months to finish the installment.

Actually i want to know how the bank can earn from credit card.
The bank only approve whom with good record, if all pay on time then they wouldn't not earn from card holder.
Some more bank promotion for cash back......

From merchants

oh??
How??

merchants need to pay some amount to the bank whenever u use the card.

that why some merchants will charge u 2% / 5% on top of your purchase if you use creditcard.

If I apply the EON Bank cc, do they have the promotion like waive the GST of RM 50?

FYI. According to BNM, merchants are not allowed to impose surcharge on customers who wish to pay by credit card. Please read my attachment.
http://forum.lowyat.net/index.php?act=Atta...post&id=1738566

hi everyone,something want to ask,i do not have J/EA form or epf statement since i working at oversea...do i still eligible to apply credit card in malaysia?

I thought those 2% will pay to master/visa company......
Then what can earn from master/visa???

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Added on September 16, 2010, 1:50 pmBut normally if u go lowyat buy computer part, they will charge u extra 2% base on the price list.


This post has been edited by travelyew: Sep 16 2010, 01:50 PM

Competitions are stiff in LYplaza. Perhaps they squeeze their profit margin to the maximum in order to offer the best price.
Depends on the situation lor. If the price after adding 2% is still cheaper than other shop, then go for it.

I bet most merchants dare not to put an item "credit card surcharge" in the bill because they know they'll get penalty if customers go to complain.

Some merchants in overseas like China even impose 6% surcharge. I would either walk away or pay by cash if I come across these merchants.

You need to carry forward balance in order to get the cash back. In the end, the interest you pay is bigger than the cash back you get.


The benefit is not very attractive. It gives 1% cash back for all transactions if you monthly spending exceeds RM1,500 in total. With this cash back feature, no reward points will be given. One good thing is that there is no limit to the total cash back per month or annum.

My application for this card has been approved. I applied for it because I will perform a big swipe this month. The merchant does not accept Amex and my current SCB JustOne and OCBC Titanium come with cash back limit.


I only used my OCBC cc in overseas recently. I did however withdraw money via my Alliance debit card. I shall be able to make a simple comparison when the transactions are updated next few days.

I have just enter into workforce as a freshgrad, I am earning about RM2.5k per month, I am planning to apply a credit card after about 3 months of working, just a classic mastercard will do.

Besides payslips, what need to be supplied? I am new in workforce, I don't pay income tax yet, and not yet have EA form. Can I request for EA form after just 3 months of working in a company?

In general, is it possible to apply for principal card after just 3 months of work life? Anyway is CIMB card good or not?

decent card, good promotions n i expect a lot of good things to come from cimb in the near future

no my main point is that possible to apply any credit card with just 3 months of working period? I don't mind the low credit limit as long as it is the card with 16 digits printed on it with either master or visa logo

The 2%, 2.5%, 3% commission paid by the merchant to the bank is shared by 3 parties namely the card issuing bank, the card processing terminal provider bank and VISA International/MasterCard International.


Speaking of China, i really hope they will start issuing UnionPay card here in Malaysia. It makes payment in China much more convenient. BOC has started issuing UnionPay credit card in Singapore for quite sometime already.


You should try at the bank that your salary is currently paid into. Maybank for instance, always approve an annual fee free credit card to those whose salary is paid into Maybank every month.