Only Hong Leong Bank knows

Public Bank and HSBC are using only the machine with image scanning capability. The rest are using either only the ancient machine or both the ancient and the advanced one with image scanning capability.


You don't need a promoter. You may fax or mail them the completed form. Alternatively, you can apply for the card at any OCBC and OCBC Al-Amin branches.

Yes. Has to be at least RM6,000.

Not sure. Many said Maybank is stingy with credit limit. By the way, besides the minimum RM6,000 credit line required by OCBC Titanium MasterCard. The card must be at least 12-month old too.



It is the same with all other banks if i am not mistaken. Are those installment plans 0% interest ones ? Was informed by HSBC that i can't cancel their credit card until i've paid off my 0% installment plan (laptop).

How high is considered high ? Even the HSBC Premier MasterCard credit line starts from RM30,000 only.

You are using your Maybank VISA debit card to pay for groceries ? Are you aware just how pathetic the Treatpoint given to your Maybank VISA debit card ? You get only 1 TP for every RM3 charged ! Public Bank gives at least 0.3% cash back and it is much better than Maybank VISA debit card.

AMEX and HSBC too. As far as i know, only CIMB Bank requires us to pay for each principal and supplementary card separately.

Oh ... i did not know that. Back in 2008 up till August 2009 when i was still using their MasterCard, i always had to pay the principal and supplementary cards separately through the cash deposit machine. I once tried to deposit all the money into the principal card but much to my horror, they did not deduct any of the supplementary card outstanding balance. Luckily i noticed something amiss early and made yet another payment directly to the supplementary card.

How did you come to such conclusion ?

Yes. That is true. Only VISA is supported for fund withdrawal. However, you may also withdraw the money directly to your Malaysian bank account and the charge is free (after a certain amount). All this information is available in your Paypal page.

Yes. You can apply at any OCBC and OCBC Al-Amin branches.


Do they even accept credit card as a mode of payment ???

Opps. My apology. Misread your post.

VISA Gold is ranked higher than VISA Classic. Why even think of canceling it ? Waiwaisan's case is different. He applied for the VISA Essential that gives 1% cash back but was given the generic Gold credit card instead that earn points.

Wow ! They are so keen to create yet another world's first eh ? Not even Communist China has such ABSURD policy in place (tax on credit card). Way to go Malaysia ! Malaysia Boleh indeed.

Pretty easy. They will waive it provided you swipe it at least 12 times in a year. This clause is however not stated anywhere.


They certainly don't. Whoever said a simple call to their call centre will be able to get it waived instantly is total bullshit. I had called them a few times and spoke to different customer service officers each time. I practically begged them to give me free rewards points but was turned down all the time.

Forget about HSBC. It is almost impossible to get any of their promotional cash back

The chance of getting the 25% cash back is so slim that you might as well just forget about it. I was in KL 2 weeks ago and i got absolutely nothing from any of the cash back promotion. Not even the 5% cash back I purposely bought everything on the first day of the week but still i got nothing.

Sorry. Should be 3 weeks ago and they had already billed me for those transactions. Not too sure if they will credit the cash back by the end of the week of the end of the campaign. Anyway, still pretty sure i didn't get it. As a matter of fact, i have benefited absolutely nothing from any of the promotions HSBC has since last year.

Not sure about Maybank but for HSBC. The answer is no. They will not entertain.

They will but probably not for their VISA Platinum.


They definitely won't entertain if you intend to get the HSBC VISA Platinum using only RM10,000 of FD. You need at least RM37,500 of FD to get the HSBC VISA Platinum.