Proceed from V10: http://forum.lowyat.net/topic/1414513/+2560#entry35701635

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards > http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- EON Bank (**minimum swipes apply)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)

2. Tap and Go - no signature required
VISA payWave
**Payment made via Visa Wave is limited to RM150
MAYBANK
- Maybank Islamic PETRONAS Ikhwan Visa Platinum
- Maybank Islamic PETRONAS Ikhwan Visa Gold
- Maybank PETRONAS Platinum Visa
- Maybank PETRONAS VISA Gold
- Maybank VISA Platinum
- Maybank VISA Wave

EON Bank
- GSC-EON Bank VISA Wave
- VISA Wave 'n Go
- Berinda Homes VISA Wave
- Johor Bahru City Square VISA Wave
- Penderosa Gold & Country Club VISA Wave

UOB Bank
- UOB ONE Card
MasterCard Paypass
**Payment made via MasterCard Paypass is limited to RM120
CIMB Bank
- all MasterCard

CIMB Islamic Bank
- all MasterCard

Direct Access
- all MasterCard

3. Credit Card linked to Petrol Giants
- UOB <> BHP Petrol
- Citibank <> SHELL
- Maybank/Maybank Islamic <> PETRONAS
- CIMB Bank/CIMB Islamic <> PETRONAS

**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases except AMEX Gold credit card which gives 5x MR/TP. This applies to all petrol brands.

4. Standard financial charge (interest rate)
Tier 1 > 13.5% p.a.
Tier 2 > 16% p.a.
Tier 3 > 17.5% p.a.

Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.

5. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM150k
7) Hong Leong Bank Priority Banking - deposit and maintain RM200k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.

6. American Express
Charge card
AMEX charge card gives 2x Membership Rewards Points for all petrol purchases. This applies to all petrol brands. All other spending will also earn you 2x Membership Rewards points.

Credit card
AMEX Gold credit card
5x Membership Rewards Points for every Ringgit spent on groceries, petrol, bookstores - Kinokuniya, Borders, Times and MPH - and telco charges via Express Autopay - Celcom, Digi, Maxis and TM. 2x Membership Rewards points for all other retail transactions.

AMEX Platinum credit card
10x Membership Rewards Points for every Ringgit charged to your card at Platinum partners. Please refer to American Express MY for the latest list of Platinum partners. All other retail spending earns you 2x Membership Rewards Points.

Maybank Islamic Ikhwan AMEX
5x TP on petrols.
2x on all other retail swipes.

Link to AMEX thread: http://forum.lowyat.net/topic/547867

7. International Transactions
Transactions incurred will be converted to Ringgit Malaysia using US Dollars as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by VISA International/MasterCard Worldwide at its absolute discretion plus administration cost which is to be imposed by the card issuing bank. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
- Maybank VISA/MasterCard : 0.5%
- Maybank American Express with Maybank logo on top : 1.5%
- American Express : 2.5%
- CIMB Bank : 1%
- Hong Leong Bank VISA/MasterCard: 1%
- Public Bank : 1.25%
- Citibank : 1%
- HSBC : 1%
- EON Bank : 2%
- UOB Bank : 1%
- Standard Chartered : 1%
- OCBC bank : 1%
- Alliance : 1% (verified by hebe87)

8. Credit Card Cancellation Letter


9. Cash Advance fees

Citibank: 5% of cash amount (min RM20), and 18% p.a. daily interest (N/A for Ready Cash)

UOB: The cash advance fee is charged to any withdrawal of cash made. This is imposed for each cash advance transaction. 5% or RM20, whichever is higher.

Maybank: VISA/Mastercard (Both Classic and Gold) | Flat rate of 5.00% of the total amount of cash advance | Min: RM10

CIMB DA: 5% of the amount drawn, subject to a minimum of RM15, whichever is higher.

CIMB: 5% of the amount drawn, subject to a minimum of RM15, whichever is higher.

HSBC:
The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction
For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied
For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge

OCBC: The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.

10. Verified by Visa and Mastercard Securecode
Verified by Visa ---> http://www.visa-asia.com/ap/sea/merchants/...vbv_intro.shtml
Participating banks :
- HSBC
- Standard Chartered
- Maybank (MSOS)
- CIMB Bank
- Public Bank
- RHB Bank
- AmBank
- Hong Leong Bank
- EON Bank
- Alliance Bank
- MBF Cards

MasterCard SecureCode ---> http://www.mastercard.com/au/personal/en/c...code/index.html
Participating banks :
- HSBC
- Standard Chartered
- Maybank (MSOS)
- CIMB Bank
- Public Bank
- RHB Bank
- AmBank
- Hong Leong Bank
- EON Bank
- Alliance Bank
- MBF Cards

11. Balance Transfer: http://forum.lowyat.net/topic/1123346

12. RM50 Government Service Tax


13. Airport Lounge Access

Alliance Plat - access to KLIA no limit.
Citibank Premier Miles - worldwide airport lounge twice a year (saw thier website need to apply before hand). Access to Plaza Premier lounge at KLIA 12 times a year PLUS the Priority Pass with 2 free admissions worldwide (subsequent need to pay). PP is for principal ONLY
Citibank Plat - access to KLIA no limit (*may actually have a limit of 12 times a year).
SCB VI - gives Priority Pass membership with unlimited free admissions for principal ONLY.
HSBC Premier - don't even have access to KLIA lounge

Remark: Most of the Platinum cards issued in Malaysia can only grant free access to KLIA Plaza Premium Lounge only, not the lounges in LCCT and JB.
SCB VI through Priority Pass and Amex Platinum charge card at most of the lounges worldwide.

14. Previous versions

Credit Card V2 Thread : http://forum.lowyat.net/topic/594906
Credit Card V3 Thread : http://forum.lowyat.net/topic/691229
Credit Card V4 Thread : http://forum.lowyat.net/topic/741933
Credit Card V5 Thread : http://forum.lowyat.net/topic/842676
Credit Card V6 Thread : http://forum.lowyat.net/topic/953666
Credit Card V7 Thread : http://forum.lowyat.net/topic/1069190
Credit Card V8 Thread : http://forum.lowyat.net/topic/1250745
Credit Card V9 Thread : http://forum.lowyat.net/topic/1264667
Credit Card V10 Thread : http://forum.lowyat.net/topic/1414513

15. Useful information

BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here, page 123 has the guidelines. (Courtesy of tishaban) (thanks awaynoway for the updated link))

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

16. FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm

17. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/Home/tabid/36/Default.aspx

Link to AKPK thread : http://forum.lowyat.net/topic/876712

18. Other Links By Users
A blog about credit cards > My Credit Cards

19. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - reward points are evergreen
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - 3 years (**SCB VI Choice Points are evergreen)
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum


This post has been edited by David83: Sep 1 2010, 06:36 PM

Better update to say Alliance's Forex admin fee is not zero...

So fast come to v11.
Back to OCBC Titanium, in my opinion, the most special about this card is credit card interest rebate, seems like no other cards offer such thing in Malaysia.

How does that work by the way?

@ronnie: I changed to ??

Put it as unknown rather than Nil (=zero)

New version~~

Someone in V10 mentioned it was 1% as communicated by CS. But by comparison i think it is much higher...

Edit: found the post

http://forum.lowyat.net/index.php?act=findpost&pid=35583782



This post has been edited by zenquix: Aug 18 2010, 11:53 PM

Better than Citibanks' Cash Back Platinum I guess...

I also not sure how it really works, in my understanding, whatever interest paid to the card (finance charge) will be entitle 50% rebate (Jan 2011 to July 2011) and 33% rebate (August 2011 onwards).

---

Added on August 18, 2010, 11:54 pmCitibank Cash Back Platinum can go home d. Hope maru can be a OCBC credit card agent, can earn some rezeki for coming raya.

This post has been edited by ck_tonny: Aug 18 2010, 11:54 PM

Rebate on finance charges is not an attraction to apply for the card.... you will get yourself in deep debt later on.

That's for sure, but this is one of the unique feature of this card.

Seems like the new price war is on cashback rebates....

I'm wondering when MBB is going to introduce a cash back CC.

Good for the consumers.. keep coming up with better offers ...

So fast update your blog, Gen-X haven't update his one.

The OCBC titanium mastercard looks attractive. Somemore the design also not bad. Other than the 5% cash rebate, what else the benefit offer from OCBC?How is the service by OCBC?

Most credit cards are categorized either as Silver or Gold or Titanium or Platinum. When will a Uranium come out?

We have Signature, Infinite, World already. That's not enough?

Don't you realize the card types are using METAL ? Signature , Infinite etc are not metals.
Uranium is damn cool. Or Lithium, Selenium, Calcium, Vanadium, Strontium, whatever

That would endless until the whole periodic table comes out with all 118 elements are being used.

hahaha, that would be bloody hilarious then

The OCBC titanium from 2011 onwards, the maximum capped at only RM50. Meaning that the only maximum rebate per month is only RM50?

This post has been edited by jonuslee: Aug 19 2010, 12:22 AM

Hi all, for OCBC Titanium if we auto debit insurance bill, we get 5% or 1%? The MCC thingy is not consumer friendly...

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Added on August 19, 2010, 1:01 amYes, 1 month RM50 is enough to off set RM50 tax...

OCBC consider as international bank?

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Added on August 19, 2010, 1:08 amFrom here:
http://www.ocbccards.com.my/AnnualUsageBon...aqCoreCard.aspx

12x swipe per year for annual fee waiver do not include auto debit like phone bill payment or insurance? And how do we define "Any swipe transactions"?

This post has been edited by Shinichi: Aug 19 2010, 01:08 AM

Something like this :



Same as the one i was given yesterday morning.


RM10,000/pa is no problem of course due to the high electricity, petrol cost etc


Yes.



Most likely to be 5%.



Simply charge RM10,000 in a year and they will give you RM50 to pay for the credit card service tax.


Yes. It is. The bank is Singaporean and is the largest bank in Southeast Asia after DBS Bank.


Probably only those over the counter transactions which require you to sign on the receipt will be taken into account.

This post has been edited by MilesAndMore: Aug 19 2010, 01:29 AM

Easy.
It means transaction that needs to have your card swiped at the merchant's card terminal.

Uranium card will cause cancer lah

Where to get this savings calculator ?

as per 10. Verified by Visa and Mastercard Securecode, OCBC didn't participate meaning no online shopping?

http://www.ocbccards.com.my/titaniumCalculator.aspx

http://www.ocbccards.com.my/3DSecure/

Insurance doesn't entitle for 5% rebate, because it is a premium, not utility, so it falls under 1% rebate.

Hahaha,I don't mean using uranium to make the card. Just take the name only, no worry.

The Titanium card looks a lot like a plat card. For those not in the know, they will go upon seeing it.

You are right. The main reason I am getting OCBC Titatium is mainly for petrol as I will be getting 5%. My petrol itself a month is more than RM1K and can easily qualify for the auto GST waiver and Annual fees. So comes 2011, maximum savings I can get is RM650/year (incl GST) just from petrol. Not to forget since I pump at Esso, I am also getting another 1.5% cash back using Smiles Points.

Another feature of OCBC Titanium is the 0% interest for transactions until year end (just like what AMEX Gold CC offerred when it was launched last year). This CC competition is great, I am getting 0% "loan" every year. Comes December, BT it to DA and I will get 1 year 0% interest free "loan".


Yah, fill the form and then print it and fax it to them together with a photocopy of your IC and a CC which is more than a year. With both that info they can go check your records.


BT 0% for 6 months, offer until end of year and for new card holders only.


I just applied for the card yesterday. Once I get the card, then I will udate my blog on the process and time frame for approval. The CS told me fastest way to get approval is fax to them as it goes to the department processing the card, where as application made at branches is dependant on when they sent it to HQ.

Planning to do a comparison of cash back cards the weekend before Merdeka.

This post has been edited by Gen-X: Aug 19 2010, 10:14 AM

wonder if the OCBC Titanium card 5% discount is more attractive than the Amex 5X reward point when converting to cash?

IF we apply the OCBC Titanium now, it will charge you the RM50 for 2010, right ?
We get GST waiver only for 2011 onwards if you spend RM10k per year.

I take it Titanium cards fall between Gold and Platinum? The requirements are pretty low.

The offer is until 31 March 2011.

Aren't u satisfactory with 5% rebate? You earn rebates faster than other cards, so there's no reason to grumble on the GST being not waived for the first year.

My message is : Don't take GST tax waiver for granted.

OCBC Titanium MasterCard is better. The AMEX 5x Membership Rewards Points equal to only 2.5% cash back.


Yes.


Yeah, something like that.

the OCBC Titanium for petrol purchase are for any brand of petrol right?

Yes for any brand.

Anyone knows why Citibanks' cards don't have Verified by VISA?

Is OCBC trying to be fishy or funny?


==After the Declaration and Agreement part of the online application form for the OCBC Titanium CC==

- As an OCBC Bank customer, I/we allow our name/s and contact details (excluding our account information) to be disclosed within the OCBC Group to cross sell OCBC Group products/services and third party products/services distributed by OCBC Group.
- As an OCBC Bank customer, I/we do not allow our name/s and contact details to be disclosed within the OCBC Group to cross sell OCBC Group products/services and third party products/services not distributed by OCBC Bank.


They are the same thing...

different what,
first one allow to disclose for use within OCBC Group
2nd one do not allow to disclose for use outside OCBC Group

Different, you see the "not" which I've highlighted in bold.

---

Added on August 19, 2010, 2:20 pmDoesn't' matter to me though, didn't tick either one of them. Just want to warn you guys..

This post has been edited by shawnk: Aug 19 2010, 02:20 PM

Best to tick on "As an OCBC Bank customer, I/we do not allow our name/s and contact details to be disclosed within the OCBC Group to cross sell OCBC Group products/services and third party products/services not distributed by OCBC Bank."

For OCBC Titanium,

Does Auto-debit for Maxis/Astro entitled to 5% rebate ?
How about shoppoing for Grocery at Jusco's Supermarket ?
Do they give out bonus points for accumulation ?

This post has been edited by ronnie: Aug 19 2010, 03:28 PM

i thinks i ticked it.

previously i received invitation from Coach on the Preview launch...

OCBC even offer instalment plan to buy Coach bag n also discount...

Got my RM20 cashback from HSBC credit card today haha feels good

hmmm... i just checked this months US$ transactions on my alliance bank CC and i dont see a 1% handling fee. transaction date is 1.8.2010 and the exchange rate applied when converting RM to US$ via http://corporate.visa.com/pd/consumer_serv..._ex_results.jsp with 0% bank fee is 3.1755 which is the exact rate i get from my statement when i divide the amount in RM by the amount charged in US$. maybe i need to check - or do they treat the cards differently. card in question is a priority banking plat card.

Gen-X, from the savings calculator, seems like petrol is capped at RM30 per month, so your yearly rebate is only RM360.

Are u using transaction date or posting date? will compare on my end

zenquix,

transaction date.

hm.. wouldn't the correct date to use be the posting date?

Above is indeed good news for Alliance CC holders. This morning I did do an online US transaction with my Alliance Plat, will confirm above after I get my statement next month.


aiyah, if that is true than too bad for me Somemore hassle to keep track after RM600 got to switch to another card. Thanks for pointing it out.

This post has been edited by Gen-X: Aug 19 2010, 10:02 PM

Thanks all for feedback... going to submit my form tomorrow... I asked the CS, minimum credit limit for existing card at least need 6k to qualify for OCBC Titanium...

1% is still better than no rebate... at least I can use it to pay my insurance which my Amex Gold CC could not do...

Seems like petrol transactions are not counted... but at least dining and grocery are eligible for 5% and counted as 1 swipe...

Don't worry too much.
As long the annual fee waiver is on the condition of swipe counts, not spending amount, it's not too hard to get.

Thanks

We can pay OCBC credit card via M2U or CIMB IBG right?

Petrol transactions should count as well....

Of course.

Thanks to PJusa, I was able to make some comparisons of the rate Bank Alliance charges vs. the Card Issuer. Details is in the blog but in a nutshell:
Alliance Bank is no longer a 0% admin charge bank. Maybe 0% is now reserved for their priority banking customers. Hope PJusa can share more data on his other transactions.



This post has been edited by zenquix: Aug 20 2010, 03:56 AM

just received invitation letter from bnk islam for their plat card but the CL is less than my current gold cc even it's from the same bnk...

zenquix,

interesting indeed. i only have one, tops two US$ transactions on my alliance card per month so i cant really plot too much. but i did check the rates for transaction dates for the last 2 months (well only 4 transactions so not representative) but they all reflect the rate posted by visa with 0% charge. i also called CC customer service to double check and they did confirm that my card (and they claim all plat cards do) dont have any admin fee from the bank imposed.

did you compare only US$ transactions or did you also look into other currency purchases?

Combination of USD and GBP. I gather you are using the normal Platinum or is it a Business Platinum?

Think I will complain via email.

This post has been edited by zenquix: Aug 20 2010, 09:04 AM

zenquix,

this is a normal plat card i got when the account was converted to prio status a couple of years ago. the contract signed did also state 0% charge. maybe this has changed in the meantime and they only honour old contracts?

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Added on August 20, 2010, 9:24 amyes it does seem their conditons have changed. cardmember agreement clause 13.3 now reads:

13.3 Foreign currency transactions are first converted to US Dollars through Visa International or MasterCard International before the US Dollars are subsequently converted to Ringgit Malaysia on the date the transaction is posted into Cardmember’s VISA/MASTERCARD CARD Account. The rate of exchange on the date of such posting may therefore differ from the rate of exchange on the date of the transaction. The Bank will also impose a fee of 1% being administration charges for such transactions.

my cardmember agreement reads 0% instead and i never got a new one from them either or any sort of notification that this has changed. so it might be possible that a) they honour their old agreement or b) i calculate wrongly

This post has been edited by PJusa: Aug 20 2010, 09:24 AM

Thanks for the info. I am holding a plat as well (my card is more than a year old) so this case of double standards is another nail in the coffin. I guess I am not alone in the case of high charges since it has been reported by winner several times. The fact that it is higher than Amex

zenquix,

i sometimes dont understand them. as the smallest bank they should always try harder. my card is 5 or 6 years old though. i used to be very content when i was with section 13 branch but since that closed and i was moved to SS2 i cant say i am still as happy. that resulted in them lossing already most of my investments. there are banks that know better then them and drop charges if i ask for it but the cashback on the alliance card seems to be the best in the market (despite the silly cap).

Who has the Maybank World Mastercard here?

I know what you mean. Oh well, if i get the OCBC Titanium card, might just cancel this.

Newbie question here How to pay DA credit card using Maybank2u? If it is possible.

go to Transfer > Interbank GIRO Transfer

Under Interbank Fund Transfer. Select Payment Type as Credit Card.

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

as per my research in a limited time, this is the best CC from maybank? I shortlisted 2 CC, citibank cash back and this MYBANK. any advice?

The best card from Maybank should be AMEX Gold CC or Ikhwan AMEX Gold.

Both offers 5x point at any petrol stations.

On top of that, AMEX Gold CC offers 5x points for groceries and books at participating merchants and Autopay for telecommunication bills.

In contrary, Ikhwan AMEX only offers 2x points for other swipe than petrol.

This post has been edited by David83: Aug 20 2010, 06:57 PM

anyone has experienced with PB CC? how about their customer service etc

hye.

i got an sms today saying.

"Yr MBF card application has been approved. The RM2K within yr approved card limit @ 0% interest gives you a saving up to RM350 p.a. for 3yrs"

wat does it mean, the last sentence?

2K at 0% interest

I guess the interest is 17,5%

If not 0%, the interest would be RM350 / year if not paid back .... so you can save RM350 per year

If that makes sense

so far so gd with PBB , called me on few occations after i swiped the card to confirm

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Added on August 20, 2010, 7:58 pmi tot currently the best thing is OCBC titanium

This post has been edited by alexwsk: Aug 20 2010, 07:58 PM

bro alexwsk, how to obtain PBB online banking with CC? they send us pin and activate at ATM?

Not sure what he tried to mean; best CC from MBB or best CC in the market.

it does make sense. but why they have to stated '3yrs'? after 3yrs suppose to be the same rite if that the case

I guess the RM2K at 0% offer is only valid for 3 years in that case

you will need to go to the branch and fill in a form to open online banking
then they will gv u the pin

The bank reserves the rights to amend its T&Cs anytime without notifying customers.


There was no double standards. I was Alliance PB customer but the currency conversion done on my Visa Platinum seemed to be a bit high compared with other cards. And now, I have terminated my PB account as well as the Visa Platinum with Alliance last week. I was disappointed as Alliance rejected my request to compensate me with 10,000 points for the RM50 service tax which will be charged next month.


This OCBC Titanium MC comes timely as a replacement to my Alliance Visa Platinum which has just been cancelled last week. I have just submitted the application to OCBC HQ today, and hopefully I will get the card next week.

This post has been edited by winner: Aug 20 2010, 08:57 PM

i thk he's looking for best cc in the market, else he wouldn't mention Citi

The ocbc titanium now seems to be the best CC in the market??

sorry la, i typed it in a hurry, boss in front of me

ok, re-type, i shortlisted 2 CC, citibank cash back and that maybank CC.

btw, I want to use my CC only to fill petrols. using my maybank debitcard so troublesome la,
they deduct rm150 first and then they will give back the balance.

ocbc titanium ya?

Clearly it is.


Yes. 5% cash back for any petrol station company. The maximum rebate for petrol is capped at RM30 though. What's more, just charge RM10,000 to your card in a year and they will credit an extra RM50 into your account to help you to pay for the credit card service tax