Hopefully they will make it something like 12 minimum swipe within a year to get the annual fee automatically waived à la HSBC.


Bank direct debit is much better. You do not have to pay the stupid convenience fee


Plenty ... the next best one is Public Bank Day2Day VISA debit card

citibank do offer free for life credit card - Citibank Choice Credit Card.

use direct debit so no convenience fee!

public bank visa Day2Day Card

This post has been edited by erry-: Dec 9 2010, 12:21 AM

Went to Mobil and wanted to buy 20w-50 engine oil.
Told by cashier that all items in the mart are cash term only.
Took out a RM50 note and a RM5 note to pay for it.
Darn, I missed a 5% rebate.

Have you guys tried buying anything from any Petronas Mesra outlets using cc? I buy my breakfast there almost daily and I'm really tempted to swipe even though the amount is below RM10.

From the CIMB Petronas card page it says:


I tried once at the ttdi branch and the cashier told me I cannot use cc to pay for my RM6 or so purchase.

Hi guys, if I want to buy something online (product from oversea) and pay by credit card, which CC is best in terms of admin fee charges and rebate? Thanks!

Check the first page of this thread.

Maybank cc offers 0.5% admin rate; but SCB Platinum earns triple Choice Points from transactions in foreign currency.

i just got my ocbc card sent to me yesterday.applied it 8 days ago at 1u new wing and was surprised to find the card in my mailbox. i was rather taken aback when i didnt receive any calls from ocbc card center to verify my identity or ask any questions regarding myself. it just got approved straight away. hmmm...lousy risk management or they are just desperate? 

My application was also approved without a verification call. My card is 2 months old.

Not every applicant wil receive call, I think.

Thanks. 0.5% of the purchase made for the product is it?
Also, I remember reading in here somewhere that there's a card with 0% admin fee?

go to other esso/mobil station

yes, i swipe DA at petronas saujana kajang to buy 2x gatorade rm4.30 (promo price that time)

DA can get 2% all station, while CIMB Petronas 2% only at Petronas.
OCBC is better, 5% all station. but OCBC denied my application twice

This post has been edited by erry-: Dec 9 2010, 08:25 AM

lol

Not everyone will get a call and myself included. They don't call but it does not mean they won't check you out. Normally those potential customers with good risk scoring won't get a call.

By placing a remark like that ... how would you rate yourself then ? Please don't generalize easily as this may create a false impression on readers here. We already have a problem with some readers expect a call from the bank every time they make a "large" transaction and they classify the bank to be bad because they don't receive the call. (Although the transaction is only a few hundred bucks)

This post has been edited by hye: Dec 9 2010, 09:07 AM

is cimb e.mastercard good ? i know this is out of topic, but i just want a debit card just to avoid stupid airasia convenience fee

Haven't you heard of "No news is good news".
They didn't call because all your details are correct and up-to-date. You should be happy they don't call you.

yes its good. no annual fee without any condition.

BUT, if u purchase airasia using this card, u still need to PAY for that stupid convenience fee!

only direct debit from online banking wont be charged, which are maybank2u, cimbclicks, pbebank (publicbank), ambank & bankrakyat!

You still have to pay for the convenience fee if you pay using a debit card. Therefore, the CIMB e.MasterCard won't help solving your problem.

What you need to do is to enroll for online banking and pay using direct debit. This way you won't have to pay for the convenience fee. However, please note that only direct debit from these 5 banks are supported for the time being. The 5 banks are :
- Maybank
- CIMB Bank
- Public Bank
- AMBank
- Bank Rakyat

I only got Clicks

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Added on December 9, 2010, 12:02 pmI don't like another ESSO. The staff are rude.

This post has been edited by chemistry: Dec 9 2010, 12:02 PM

That will do. I just used it yesterday to pay for an Air Asia flight between Kota Kinabalu and Taipei next month for RM682 Pretty expensive for a low-cost carrier

i think clicks will be better than using credit card unless purchasing ticket which is rm2k to get the points to offset the stupid convenience fee.