What the hell ? They told me it was their credit card centre at the HQ that requested for my income document


Man ... i really think i screwed up badly last week when i went to their credit card centre. Shouldn't have told them i do not currently work and just give them my dad's company name when they asked where do i work at the moment. The outcome might be different then Haih ... going to deposit some FD into CIMB Bank and then withdraw all once the card is approved when i try my luck next time.

Rockefeller,

Where else has this promotion at the moment besides their credit card centre at Pavillion ? For the World MasterCard.

This post has been edited by MilesAndMore: Sep 27 2010, 10:38 PM

Argh ... won't be back in KL until mid-Oct. Never mind. Try it when the opportunity comes next time They used to have 1-hour instant card approval a while ago too at Pavillion. Therefore i am sure this won't be the last. Just not sure if they would still accept a HSBC credit card with a mere RM30k credit line then. See how it goes ... Thanks though

This post has been edited by MilesAndMore: Sep 27 2010, 10:49 PM

Yes. Not going to deny that i want the card badly. Every time i shop at all these stores that have promotion specially for CIMB Bank credit cardholders only but the bad news is i do not have one. I have missed so many rebates or free cash voucher such as :
- charge RM90 at MPH, get x% rebate + free voucher (**promotion expired)
- 5% off at ISETAN (**promotion expired)
- 5% off at Guardian
- up to 20% off at Starbucks
- 5% off at Servay & Parkwell

There are many more but i just couldn't recall all now. I can save so much money if i have their card. In fact, when i was at KLIA last week. I saw this banner that CIMB World MasterCard gets 15% off at the chocolate shops at KLIA while the rest of the CIMB MasterCards get 10%. I always buy many chocolates every time i pass through KLIA and i go to KL once a month. Imagine how much i'll save

Besides, CIMB Bank credit card is supported for many 0% IPP in the market too. This sure is good



Not exactly sure. I know that by becoming their Preferred Banking customer, you'll get a pre-approved Platinum MasterCard. May be FD in 7 figures can get the World MasterCard ? Or probably half a million will do too.


I have no idea.

This post has been edited by MilesAndMore: Sep 27 2010, 11:51 PM

By the way, CIMB Bank has also partnered many restaurants that give 10% - 20% off total bill if you pay using their card. HSBC has many such promotions too but CIMB Bank has even more such partner restaurants.

Oh, and the bonus points required to redeem for shopping voucher is the lowest among all the banks in Malaysia too

This post has been edited by MilesAndMore: Sep 27 2010, 11:28 PM

Oh ... yet another deal ? You see ? Another opportunity to save some money missed



Not sure if all these will return a few months later or whether they will extend these offers. Anyway, the deals at ISETAN and Guardian have returned a few times already. The 5% cash rebate at ISETAN and Guardian already exist way back in 2008. This offer is always availble between x-month - x-month only but they always bring it back a couple of months later



They have been very aggressively since the name change. They always have some good deals !


Too bad they still charge RM8 for shipment to East Malaysia. Anyway, one needs only 10,000 bonus points to redeem a RM50 voucher versus most other banks that need 11,500 - 13,000.

Yeah. I do need CIMB WMC. How so ? Because it's the only CIMB Bank MasterCard to give 2x bonus point for all transactions transacted in foreign currency. There are also promotions that only CIMB WMC are entitled for. That's not all, there are also promotions that CIMB WMC gets higher rebate. For instance, 15% off at the chocolate shop at KLIA versus 10% for all other CIMB MasterCards. A difference of a mere 5% might not seem huge but this won't be the case if you buy a lot. With the RM50 credit card service tax still in effect, of course i am after the best overall card and CIMB WMC fits my needs perfectly.

Everyone has different lifestyle. Therefore there is no real best credit card in the market with the exception of OCBC Bank MasterCard Titanium of course. It just so happens that this particular card fits my needs perfectly which is why i am so keen on it. It is also the reason why question such as "what is the best credit card" is usually ignored on this board.

That is so true ! Anyway, have not heard from them yet regarding my card application. Going to call them this Friday if still no update from them. Worst case scenario ? Pledge a few thousands to get the card.

As for the CIMB Bank World MasterCard, i have to wait until my fixed deposit matures which i renewed for 60-month in 2007 before i can finally transfer some to CIMB Bank. Interest rate for 60-month fixed deposit was high then and the interest payout frequency is on a monthly basis. The huge interest rate cut in 2009 had no impact on this particular fixed deposit account of mine at all


HIGH FIVE mate !!!

My experience is that you do not need to tell them. They will automatically give you the rebate. Just make sure you check the receipt before signing on it. Amarin Heavenly Thai for instance, always automatically gives me the rebate whenever i pay using my HSBC credit card.


Yes. I am aware of the 6-month cooling off period which is why i only intend to try again next year. Besides, i can't come up with the money right now. It is a no-brainer to cancel that 60-month FD of mine simply to deposit some into CIMB Bank just to support my credit card application with them.

Spoke to a customer service officer. They do have my record and my application apparently is marked "canceled" and not "application rejected". I was also informed that the 1-hour instant card issuance for the World and Infinite card series at Pavillion, Plaza Damansara and Menara Bumiputra Commerce is not a limited time offer but a permanent special service at those mentioned places.

Not for the first year. Anyway, if you charge at least RM10,000 to their card in one year. They will help you to pay for the RM50 credit card tax the following year.

This post has been edited by MilesAndMore: Sep 29 2010, 02:00 PM

Yeah yeah. But i will only try again next year

Sorry. Did not ask them about that. Anyway, i doubt they know it. Someone called them last week and was told he must submit his income document which is not exactly true. At least not to those few who managed to get World MasterCard/VISA Infinite simply by giving them their HSBC credit card as a reference and no income document.

This post has been edited by MilesAndMore: Sep 30 2010, 12:47 AM

Minimum consistent spending over RM10,000 per month on your existing card is definitely not enough. Been spending way more than that every month in the past one year. Spent even more in the past two months but that did not help either. And i do have a hire purchase loan under my name too. Newly approved about two months ago from EON Bank.


This post has been edited by MilesAndMore: Sep 30 2010, 10:28 AM

No la. I did not earn all those money myself. My duty now is to study hard only. Anyway, i put a huge portion of my money in ASB and ASW2020

Can a 20-year-old open a HSBC Premier account ? Because just two years ago it wasn't possible. Besides, i do not think he can have a principal credit card from any financial institution in Malaysia if he is only 20-year-old right ? Anyway, i used that card to back my application too last week.

By the way, i am not exactly sure if the bank can see how much we have spent on our existing credit card(s) in the past 12-month because only these are shown in our CCRIS credit report :
- total outstanding as of xx/xx/xx
- credit limit of each card
- total active cards owned
- collateral type
- any missed payments in the last 12-month etc.
Or probably banks can see even more information. Not sure though


It depends i guess. Could be a good thing but could also be a bad thing. It's a good thing if you've not missed a single payment

This post has been edited by MilesAndMore: Sep 30 2010, 05:14 PM

Impossible for HSBC.

Yes. Must use your own reward points. 9,500 reward points are needed to redeem the RM50 credit card tax for any HSBC principal credit card.


From what i understand is that the bank doesn't pay any of the membership fee collected to VISA International/MasterCard Worldwide/JCB/Diner's Club/AMEX. As the competition is getting so stiff, most banks no longer collect annual fee from the cardholders anymore. This is yet another trend started by those American banks.


CIMB Bank account holders can now reload your "Touch, Wait & Go Card" without incurring any service fee via any CIMB Bank ATM that supports "Touch, Wait & Go Card" reload.

It is still an ongoing promotion up to 31/12/10.