That is not the highest. It is actually the lowest. All HSBC Platinum and Premier credit card start with RM30,000 of credit line.

It was Saturday yesterday and today is Sunday. If the card is not yet approved last Friday, then you should check again tomorrow not today.

Seems to have many such complains since they let go of the 100+ operators in Leboh Ampang early this year.

What is the credit limit of your Citi Platinum ? HSBC VISA Platinum comes with at least RM30,000 of credit limit. May be you can use your more than 1-year old Citi Platinum to request for the upgrade ?

Yes. That is true as the minimum per annum salary required is RM48,000.



Standard Chartered Bank.


You need to earn at least RM12,500/month to qualify for the HSBC VISA Platinum, not RM10,000/month. Anyway, if you intend to use an existing Platinum credit card that is more than 1 year old. The card must comes with a minimum credit limit of RM30,000. Even if you meet their VISA Platinum requirements, there is still no guarantee that you will get it as everyone knows it is hard to get a HSBC credit card.

This post has been edited by MilesAndMore: Aug 30 2010, 06:37 PM

Most probably it was your other credit cards that help you to get the HSBC credit card then because it's either you give them your salary slip with a monthly salary of no less than RM12,000 or just give them your IC number so that they can check your CCRIS record. It has got to be your credit cards that with > RM30k credit limit that did the trick.


No one can really understand how they determine just how much credit limit they want to grant you. I overheard someone complained to the customer service officer inside the Premier Centre that their credit card HQ rejected his request for higher credit line for his MasterCard despite having RM500k of FD with them.

It's David's duty now

No. Not a clue

Not sure about OCBC but certain banks do not call for verification. For instance, HSBC and Maybank.


They will be able to see how many active credit cards you have, the credit limit of each of the active credit cards, any mortgage or hire purchase and any missed payments in the past 12 months etc.

I kind of doubt HSBC will launch a new premium credit card in Malaysia anytime soon. If they were to launch it, i'd expect Hong Kong to get it first but there is still no sign that they are going to introduce any new premium credit cards there. Many other banks in Hong Kong such as Bank of East Asia, Wing Lung Bank and even Standard Chartered offer credit cards that ranked higher than Platinum credit card for quite some time already. Heck, even its own subsidiary Hang Seng Bank offers VISA Infinite but it doesn't.

And regarding the UOB Bank World MasterCard and VISA Signature. It's good to see them offering more types of credit card but they really need to review their UniRinggit program. It sucks big time. Points required are the highest in the industry.


You may only apply for a supplementary card when the principal card is approved.


This post has been edited by MilesAndMore: Sep 3 2010, 08:10 PM

Erm ... not sure about that.

Or simply open a Basic Savings Account. This way the first two IBG in a month will only be charged RM0.50 instead of RM2. And if you use Citibank or Standard Chartered, you will only be charged RM0.50/IBG and mind you that RM0.50 is their normal IBG fee. Both Citibank and Standard Chartered charge the lowest overall IBG fee in town.

This post has been edited by MilesAndMore: Sep 4 2010, 02:02 AM

LOL ! Of course but i was referring to the mass market.

All the banks in Malaysia offer an ATM card annual fee free Basic Savings Account (8 free ATM cash withdrawals only every month) with the exception of EON Bank.

Oh right ... forgot this one. My bro is using this account. Need to keep an average balance of RM3000/month in the account to avoid any account fee. You get 5 free non-AmBank ATM withdrawals too

Regarding the cheque deposit machine, Public Bank and HSBC are the only two banks in Malaysia using strictly only the one with image scanning capability. If i'm not mistaken, EON Bank is also using only this kind of machine too but i am not very sure. Banks such as Maybank and CIMB Bank are using both the ancient one and the advanced one with image scanning capability.

LOL ! I think this is the case in many of their branches. Out of 3 of the HLB branches in Kota Kinabalu, 2 of the branches have cheque deposit machine only but as you pointed out. It is located inside the banking hall and we may only use it during office hours and the other one, which is located inside the city is the only HLB branch to offer cash and cheque deposit machines

Maybank and CIMB Bank are using both the ancient one and the advanced one with image scanning capability.

Many banks no longer accept cheque through the counter anymore.

Public Bank has always been far ahead of Hong Leong Bank


LOL ! I suppose the current model is still working fine for them. That is why they still don't bother to change unless it is necessary. Anyway, i prefer a bank with lots of self banking machines. This is why CIMB Bank is now my main bank for day to day transaction whereas Public Bank is the bank i put all my fixed deposits. Basically it means CIMB Bank gets the low yield business while Public Bank gets the high yield one

Anyway, has anyone received his OCBC Titanium MasterCard already ?

This post has been edited by MilesAndMore: Sep 5 2010, 09:45 AM