To be fair, I feel Alliance Platinum hotline is pretty good - very short waiting time.


I also received the letter today. Where did you redeem the iPod shuffle? Pavilion or IOI Mall Puchong?


Today I have already swiped the card at Tangs Departmental Store and Island Bistro at Pavilion, as well as ESSO petrol station. I feel so good as I do not need to teach the cashiers to select "credit" like SCB JustOne. I am eager to see what kind of cash back I get.

I am totally clueless. I don't get what you meant.

It's rather complicated. You ought to remember the promotion period, cumulative spending, cumulative cash back, denomination amount, types of spending, etc in order to be fully benefited.


You quoted the wrong message then!

Do bear in mind that the cash back is only given to grocery and petrol purchases done during weekends. Besides, there is a maximum cash back poll of RM150,000 per month.

Your fridge can wait but the stomach of your car can't wait!

The CL they gave me is lower than my existing SCB JustOne Titanium, but higher than my previous Alliance Platinum. For your information, I used my salary information to apply for the card. I did not show them my existing cards.

I redeemed the 2GB iPod Shuffle at IOI Mall Puchong. They still have all the colours, but trendy colours are running out fast. I chose the green colour type.

I need to comment a bit. The 5% cash back on bills is not only for telephone bills, it also includes utility bills.

Just came back from holidays in overseas. I used my OCBC Titanium cc several times in overseas. I wonder whether my expenses in restaurants in overseas will earn me 5% cash back. Anyway, I am already prepared to get only 1% cash back for all expenses in overseas.

On a separate note, I have received the first statement from OCBC via snail mail. Luckily the payment due date is on the first day of each month, same as all my other CCs, without giving me any hassle to remember different dates. The cash back details, however, were stated as a slump sum amount for 1% and 5% each. I still prefer reading my SCB's statement, which shows the cash back earned for every single transaction.

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.

Bank of China in Malaysia has actually issued China UnionPay prepaid card. You can top up money in Malaysia and use the card in China.

The card is still in the market. But you have to go the bank to buy the China UnionPay prepaid card. The card can also be linked to your savings account with BOC, where the prepaid reload can be done automatically if the amount of your card falls below a specific level.

Don't forget that SCB Business Platinum cc gives 0.5% cash back on all retail transactions (except petrol) on top of the normal choice points. Furthermore, SCB Business Platinum cc also gives 3x choice points for overseas transactions as opposed to 2x choice points given by Preferred Banking World MC.

When I opened the Preferred Banking account in early September, SCB CS over both branch and telephone could not explain the product details to me. The branch did not even have the official application form for me to fill in.

Now my SCB World MC has been approved. I noticed the card was charged RM50 service tax on 8/9 and I have received the e-statement too. However, until today I have yet to receive the physical card yet.

No. You can apply for this card even if you are only a small employee. Minimum annual income requirement is RM60,000 only.

One you have signed the application form and submitted it, you have already agreed to accept the T&Cs.

If you do not have the intention to use the card and pay the RM50 service tax in advance, why did you apply for it in the first place? It will be a different story if it is a pre-approved card which you did not apply for.

It's confirmed cash back is shown on the statement date for the entire statement month. With reference to the first statement I received, there are 2 types of cash back (1% and 5%) which are shown as lump sum amount separately.

This is better than Alliance Bank, where cash back in the current statement month will only be reflected on the following statement month. I encountered a long arguement with Alliance Bank on this matter when I cancelled my Alliance cc.

As long as it is classified as utility or phone bill, 5% cash back is valid regardless of where you pay the bill.