I can tell you that the actual HSBC VISA Platinum doesn't look as nice as the one shown in their website or printed on the brochure. The one advertised is all black while the actual one is shiny black. Anyway, it still looks much grander than their Premier MasterCard.

Total credit used up.

No. It will show the outstanding amount owe to the bank. I posted mine on the previous version of this thread.

Yeah. The credit limit for each credit card will be shown as well It's the way other banks can check if the credit limit we told them is true or otherwise.

Not sure. I had only applied for 2 credit cards up till i went to get the credit report and both were approved. One was a secured credit card, by the way which i had canceled about 2 months ago.

Looks like quite a few of you managed to get the CIMB World MasterCard or CIMB VISA Infinite simply using your existing credit card as reference. But it seems that all of you gave two cards to them but i have only one card at the moment. Hopefully still can get it though.

I see. But the other card is their card right ? Probably why they didn't need that as they already have your record in their computer. Anyway, still hope i'll get their World MasterCard. The 2x Bonus Points for every transactions transacted in foreign currency is good too. Their Platinum MasterCard doesn't come with such perk which is why i am more keen on the World MasterCard. If i really can get it, i will cancel my current card when i finish paying off my 0% IPP next year as i really can benefit a lot from the promotions CIMB Bank is having

Yeah. I hope so. Less card less exposure


A few thousands more than RM35k. Been holding it for 13 months. Entering 14th month I use this card to apply for OCBC Titanium MasterCard too. The status is still under processing when i called them this morning. I plan to hold only OCBC Titanium MasterCard and CIMB World Mastercard by middle of next year if everything works out as i intended.


It is the best in terms of both cash rebates and those cards based on point system. Most credit cards on the market are based on point accumulation system and each point earned translate to about 0.40% - 0.50% cash rebate.

I also used my HSBC credit card as reference. RM30k really is enough for HSBC credit card apparently. Anyway, they still asked for my income document. Age is the problem here. It will be a few more year before i reach my mid-20s. Told them i am just a student. Therefore, i won't be able to to give them my income document. They asked me if i have any FD with them but unfortunately i do not have any. So i asked them to cancel my application. Might try again when the opportunity comes next time


Now we all know age might play a role as well


Most major hospitals do accept AMEX.


There are four escalators on each floor. Two going up and the other two going down. You have to walk near the end of the mall. The booth is next the second escalator. And regarding the mall, there isn't any interesting shop inside

This post has been edited by MilesAndMore: Sep 24 2010, 03:44 PM

But i was told that my age is the main reason why they asked for my income document. The minimum credit line can be given to the World MasterCard really is RM100k and since they do not know my exact financial status, they were having doubts granting me an unsecured credit card with such high credit line. I only have savings account at CIMB Bank. All my time deposits are at the non-GLC banks. Told them all my incomes are passive incomes from time deposits and ASB/ASW2020. They asked me if i have any FD with them but i said no. So they said the only way is to submit my income document because they have no access into other banks' system.



I do have and it is all passive income And i am not comfortable showing my FD certificates to other banks.


No. You misunderstood. It wasn't OCBC that requested for my income document. It was CIMB Bank. I tried to apply for their World MasterCard. Apparently two other people here managed to apply for the card using their HSBC Premier MasterCard and they did not have to submit their income documents at all. They both got the card in just one hour

Anyway, i initially was told that all they need is my existing credit card. They asked me how much is the credit line of my credit card and later found out that mine is eligible They didn't even ask me if i was earning RM200,000/pa. They did however ask where do i work but i told them i am not working at the moment. I asked them if it is okay if i give them my dad's company as the place i am working in and they told me that would be fine too and that's it. They did't even ask for the company's telephone numbers. I was told to come back an hour later but when i did, i was told that their credit card centre request for my income document. I told them that is not possible as all my incomes are passive income and i am not comfortable showing them my bank statement from another bank. So i just told them to cancel it.

This post has been edited by MilesAndMore: Sep 24 2010, 11:56 PM

By the way, i have not heard from OCBC yet. The status is still under processing

I've been using near the maximum of my credit line in the last two months. Overseas trips helped that


However, CIMB Bank credit card benefits me better than HSBC credit card. Yeah, not denying HSBC does have a lot of promotions for its credit card but all these promotions always come with strict T&C while the sort of promotion CIMB Bank has is much more straightforward and everyone can easily benefit from it. Besides, CIMB Bank World MasterCard gives 2x Bonus Points for each RM1 charged in foreign currency and the bonus points needed to redeem for shopping voucher is the lowest among all the major banks in Malaysia. This is why i am so keen on the World MasterCard as their other cards do not get 2x Bonus Points for transactions transacted in foreign currency.

To sum it all up, CIMB Bank credit card suits my lifestyle better than HSBC credit card and it is a good overall card for me. However, i am not moving any FD into CIMB Bank. Will try to apply for it again next time.

Yes. I am aware of that. But it's their offer such as 20% off total bill at Starbucks, 5% off at ISETAN, 10% off at the chocolate shops at KLIA and much more that draw my attention. I know that all these promotions sometimes are applicable to certain day of the week/month only and are not permanent but they have a habit of extending these promotions over and over again. Most of the promotions were already there when i was still holding their Gold MasterCard in early 2008. In fact, i got RM100 back from CIMB Bank during the ISETAN sales in November/December 2008. That was so freaking generous of CIMB Bank Anyway, as i reached my legal age to obtain my own principal credit card not so long ago, my mom canceled all her credit cards and have me deal with all credit card related matters.



But the free access to KLIA Plaza Premium Lounge doesn't entice me


Tried to compare the exchange rate + admin fee charge by Standard Chartered Bank (a close friend is SC PB customer and she had their Platinum card**) with my CIMB Bank Gold MasterCard last time and the difference is pretty huge.

**SC PB customer were not given the SC VI card then



But still, their exchange rate + admin fee are just so expensive. Way higher than my HSBC credit card. I suppose this is the reason why they are able to give you 5x Choice Points which to me is simply a marketing strategy.


Probably can only try 6 months later since they already have my name in their record. Anyway, still more keen on their World MasterCard due to the 2x bonus points for foreign transactions. Will continue using my HSBC credit card for the time being and might try again next year. May be i will move some FD to CIMB Bank temporarily and once i got the card, i will move all the money back to the previous bank when the FD matures a year later


Talked to a SCPB relationship manager a few months back. Was told i do not have to worry about the annual fee. So i guess the annual fee can be easily waived. She also informed me about the free TT to overseas SCB but it can only be done at the counter. Anyway, i am not a SCPB customer and might never be. There is just something i do not like about SCPB.

This post has been edited by MilesAndMore: Sep 25 2010, 03:09 PM

Correct. But not for me though. None of my local or overseas trips are company trips.


Not DA but CIMB. But since DA is under CIMB Group too, they probably are the same. Anyway, found this out about two years ago. Was using a supplementary CIMB Gold MasterCard then while my friend was using SCB Platinum MasterCard.

Huh ? What are you talking about ? The banks in Malaysia do state the admin fee charged for overseas transaction clearly at the back of the back statement/their respective website.

- RM30,000 for HSBC credit card
- RM50,000 for Citibank credit card
- RM75,000 for credit card from all other banks

**Information provided by Rockefeller.

It is not exactly instant. They will still have their guys in the CIMB Card Centre to make some verifications first before approving you one. The whole process will take you about an hour only at most.

This post has been edited by MilesAndMore: Sep 26 2010, 04:19 PM

But the other two guys who applied last week did not show their income document. They basically just gave them their existing HSBC credit card and that was it.

By the way, they also did not ask for my income document until an hour later. In fact, they initially told me they only need my existing credit card and that's it. Besides, when Rockefeller told us about the promotion CIMB Bank is having. He did say all the bank needs is our existing credit card.

This post has been edited by MilesAndMore: Sep 26 2010, 04:26 PM

Nope. The shop you buy your things from will arrange everything for you. They will make a photocopy of your credit card/IC and you'll be required to fill in a form. 0% IPP is available only if the store you are buying the stuff from is offering such plan.

Inconsistency at both the Pavillion credit card centre and their credit card centre HQ is the problem. Different staff will request or tell you different things.