all my cards are cheap too! haha. btw u should cancel ur stupid debit card la. if still want use debit card, go for cimb e.mastercard (free for life with no condition).

yea yea. my DA plat already replace twice this year! card and chip still ok but when swipe immediately shows chip error. rm20 (rm10 x2) gone for card replacement only

but my HSBC plat, chip very dirty (got black spot on it), and card broken also at bottom (name area), still can use

This post has been edited by erry-: Nov 17 2010, 02:07 AM

he himself declare "a stupid debit card"

yes but need to pay 1st, next statement rm10 credited back.

err my DA usually use for petrol pump. i think the pump machine that broke my chip?

ok! will wait until it cannot be use anymore 1st

yea, lousy chip noted. will ask waiver immediately next time (means my chip will getting error again? haha)

yeah rm16k is supposed CL for gold card. platinum should min rm30k. but it depends on bank ~

same goes to me with both DA and HSBC previously. using gold card but CL can swipe for brand new car. hehe. after 2 years they post new plat card ~

BTW, updates for HSBC SMS & Win, i didnt swipe yet today. and since now its 3pm already, so i will try it tomorrow

This post has been edited by erry-: Nov 17 2010, 03:11 PM

go browse few pages back ok? the best card for petrol is DA Mastercard & OCBC Titanium. rebates on all petrol station. but if u just use petronas then go for that MBB Petronas ~

citibank plat annual fee is rm195 or got terms to make it free? like swipe 30k/year? and btw the rebate promo is till 31/12 only.


usualy got penalty, around rm50. call ur bank for more info.

This post has been edited by erry-: Nov 17 2010, 07:30 PM

if u use more than rm500/month at esso/mobil, then go for PBE Esso Visa Card. got 6% rebate till March 2011. if u use more than rm800 u get 8%.

if u use less than rm500/month, go for OCBC Titanium.

This post has been edited by erry-: Nov 18 2010, 01:53 AM

for fuel rewards card, the best is definately smiles from esso/mobil. points never expired!

1 point for every RM1 on fuel only. on the run cafe / shop wont get points. 1000 points for rm15 fuel.
so swipe petrol ron97 rm80 then shop rm10 will get 80points.

but, the best part is, redeem 1000 points for rm15 petrol, that rm15 will be credited back as 15points.
i usually redeem 3000 points for rm45 then get back 45 points

and grand saga highway (kajang-cheras) give 2x points! swipe rm500 already get 1000points!
so rm500 already get back rm15. and of coz, plus 5% rebates from OCBC!

yeah go for esso/mobil smiles. coz for petronas mesra cards, 1 point is per 1 litre. but if shop inside mesra store then 1 point per rm1.
swipe petrol ron97 rm80 then store rm10 will get only 47 points, and 1000points can redeem rm10 fuel only
points will expire after 3 years. also will be void if there has been no activity made within 6 months

This post has been edited by erry-: Nov 18 2010, 03:53 PM

UPDATES for HSBC SMS & Win Contest:

finally! this morning i swipe around 11:20am then SMS immediately.

after 2 minutes got reply: "Congrats! You have won RM10 cashback."

so i bought another 2 things (each price is more then rm100), and ask the cashier to make the bill/swipe separately so i will get another 2 approval code.

SMS, and both also get RM10! so now "Your total cashback won to-date is RM30". thank u HSBC

tomorrow also need to try in early morning. haha

This post has been edited by erry-: Nov 18 2010, 03:57 PM

esso/mobil that give 2x points:
grand saga highway (both side),
cheras perdana (entrace flyover near 90cents toll),
bangi sect 10 (near plus exit - kajang),
kajang town (next to KPJ / kompleks kota kajang).

best for kajang/semenyih/bangi/balakong people.

last year they gave 2x points without terms & conditions.
this year 2x points will be given 3 weeks after swipe min rm200 within a month (i usually fuel min rm400/month).
promo is from 7 sep - 31 dec.

oh free tissue if swipe inside (cashier) min rm40. i usually swipe at pump. just twice go inside so far.
the tissue box just small one only. but then, its free ~

i am staying in kajang

This post has been edited by erry-: Nov 19 2010, 12:07 AM

your welcome



thanks guys ~

and i did it again this evening! for paying my maxis bill ~
my bill just out today, rm270+.
i went to maxis at warta bangi. swipe rm100 x2 then sms x2. got rm10 x2 rebates!
(i left another rm70 carry forward to next bill )

now, each rm100 get min rm10 rebates! thats equal to 10% ~!! haha.
(of coz need to pay 15sen + 30sen for sms. still, i get back rm9.55).

tomorrow (today actually, friday) planning to swipe another rm100 x2.
i wish can get cash back rm50 or rm100!!! pray for me!!!

note: this HSBC SMS & Win Promo will end 21-Nov. hurry!

This post has been edited by erry-: Nov 19 2010, 12:33 AM

bcoz only those stations stated at the ads board. btw i'm a litte bit lazy to go inside. hehe

i also aim for rm100!!!

edited previous post: accidenly hit 6, it should be rm9.55

This post has been edited by erry-: Nov 19 2010, 12:34 AM

HSBC SMS & Win Contest...

today is weekdays. i SMS at 11:55AM and at 11:57AM received reply already overhelming response!

refer to website, only the 1st 3000 SMS per day will applicable. more details:

The first 50th successful SMS which meets the Qualifying Spend for each Participating Day will stand to receive RM50 cash back.
The 100th successful SMS which meets the Qualifying Spend for each Participating Day will stand to receive RM100 cash back.
In addition, every 55th, 555th, 1055th, 1555th and 2055th successful will also stand to receive RM50 cash back.
The remaining 2,935 winners who do not fall under the category of ‘every 50th successful SMS for the Participating Day will stand to receive RM10 cash
back.

see? at least rm10. but today 11:57AM already more than 3000 SMS they received!
so today by 12PM, HSBC cc users already swipe at least RM300,000 ~!

u r so unlucky. me 1st time noticed it via ads at mid valley, 3-days after the promo started

This post has been edited by erry-: Nov 19 2010, 02:40 PM

u should say, at least get 10% cash back

since starting jan next year, OCBC titanium rebates capped at only RM50/month, any suggestion for another cash rebates card with no annual fee?

its me

using mbb visa plat (not petronas) since 2007. that time got free 3 years annual fee which is expired oct this year. they already sent new replacement card (extend expiry date to another 3 years) on september (1 month before expired).

i called them to cancel, with reason i already had enough card, dont want to pay gst for this 'another' card, also dont want to pay for annual fee.
so they offer to waived annual fee for another 3 years, and they offered 10k points for me to redeem gst
i dont know if this help to waived the annual fee & gst (just additional info) - i always pay my cc statement balance (all cc i had, not only maybank) in full amount or more. never let the bank charge interest on me never had debt

but i will definately terminate this card on sept next year (which i plan to do this year), since not using it so much.

err.. dont think MBB will do that?

This post has been edited by erry-: Nov 21 2010, 03:48 PM

refer to citi website:

minimum amount for conversion is RM500 (no matter IT hardware or else), from 6 – 36 months, flat interest rate of 9.88% p.a - which is 4 me is too high

if u want to purchase IT hardware or something else and convert it into installment, go apply CIMB petronas (free for life) or Direct Access (if u meet the qualification), their installment rate for me is the cheapest - 3% fee for 6 months (min rm500), 4% for 10 months (min rm1k), or 5% for 30 months (min rm3k)

thanks. i'm looking for best cash rebates card for normal local spending.

my average spending per month for petrol+phone+broadband+astro+tnb+groceries/hypermarket is about rm1600.
still no card can beat OCBC 5% for normal locally spending. but they will capped at rm1000 starting jan next year.
i wish can apply 2x OCBC Titanium

currently using OCBC and DA for petrol and groceries rebates (coz DA offer 5% on weekend at Giant/Tesco)

This post has been edited by erry-: Nov 21 2010, 04:05 PM

good! never let bank charge interest

maybe u never swipe till reaching the current CL?
like me, previously got limit 18.5k, and i want to swipe 30k.
what i do is, swipe 15k, go deposit 15k, then swipe another 15k.
next month they send letter increase my CL

it just like this, u want to buy something cost rm 5k and u have the cash. go fast cash to ur cc then swipe.
u can get 5k points (or rebates) somemore

but why treaten to terminate? better ask them to increase CL?

This post has been edited by erry-: Nov 21 2010, 04:17 PM

more than previous 18.5k lah