As I had terminated my Alliance Younique MC and VISA Platinum, I hope somebody can again update forex exchange rate for Alliance cc. Alliance Platinum's cash back + 2x points for overseas spending + unlimited access to KLIA Plaza Premium Lounge makes this card attractive.


Our government hasn't officially annouced anything yet. However, some banks have already taken cautious approach in proccessing cc applications.

You're totally wrong. Alliance doesn't issue Business Platinum cards. As for the Alliance Platinum CCs, there is no limit on numbers of entries to KLIA Plaza Premium Lounge nowadays. Besides, cash back is given to all retail transactions, including petrol and online purchases.

The RM5 should be the late payment penalty. Minimum payment should be 5% of outstanding balance or minimum RM50.

Oops, Alliance Business Platinum card is a pretty new product. What I referred to is the normal Alliance Platinum cc. Just go to Alliance website and search for the list of cards under "Personal".

If you were with us since the last few versions of this thread, we had mentioned many times that Alliance's cash back is based on tiered system. The maximum rebates per month for Alliance Younique and Platinum are RM68.25 and RM68.75 respectively.

Previouly there was quota for Alliance Platinum cc on KLIA Plaza Premium Lounge access, but the quota had been removed since a few months ago. Just like SCB Platinum, Alliance Platinum cardholders can also enjoy unlimited entries to KLIA Plaza Premium Lounge.


It's sole decision by SCB. I also wish to be selected.

Why not? You may try Alliance Younique cc. But most of the banks may hesitate to grant approval due to your salary.

Don't be misled by the so-called 2% cash back. Its cash back rates are based on tiered system. You will get a maximum monthly rebate of RM68.25 if you spend RM5,000 and above. The maximum cash back is equivalent to 1.365%. However, if you are not a big spender, the cash back you get is very insignificant. Nevertheless, you do not loose anything as every RM1 you spend (except petrol) will also gives you 1 timeless bonus point.

No. SCB Business Platinum cardholders can only be granted free access to KLIA Plaza Premium Lounge.


There is a cap per month for Alliance Platinum Debit Card in LCCT Plaza Premium Lounge. It's 50 cardholders per month. The quota can finish within the first few days of the month.

This post has been edited by winner: Nov 10 2010, 01:56 PM

If he can spend more than RM500 per month, Alliance Younique's rebate (cash back + points) will be higher than the 1% cash back given by HLB VISA Essential.


This is the first case I have ever heard for MBB cards. You are lucky and you really deserve it!

Minimum income requirement for the lowest ranked cc of MBB is RM30,000 per annum. You may give it a try, but the chance could be slim.

The best Platinum cards to be used for entering KLIA Plaza Premium Lounge are Amex, Alliance and SCB. There is no limit to how many times you can enter the lounge.

As for LCCT Plaza Premium Lounge, I guess only Amex Platinum gives UNLIMITED FREE ACCESS as far as I know.


No harm just to give it a try. They may give you an Amex Gold cc, who knows!


Yes. I have yet to receive the security pin slip from CIMA since I obtained DA VI end September.


Cut most of your cards and your problem could be solved gradually.

This post has been edited by winner: Nov 11 2010, 10:41 AM

Good to hear this.

I subscribed auto debit for Great Eastern. It was given to 1% rebate.

There is a total of 28 retail transactions in the current statement of my OCBC Titanium MC. It is so difficult to check which transactions were entitled to 5% cash back. If I calculated correctly, below are some transactions which were supposedly entitled to 5% cash back but were only given 1% rebate.

1. Majlis Bandaraya Petaling Jaya
2. Hai-O Chain Store
3. House + Co, Bangsar Shopping Centre

For the very first year, you don't need to fulfill the requirement of item (1) or (2) as long as you are able to show proof of an annual income of RM72,000. However for second year onwards, you must fulfill the requirement of either (1) or (2), or else a heavy penalty will be charged.

Your answer was not quite correct. The best CCs which give good rebates (5%) for all petrol stations are OCBC Titanium and Citibank Platinum Cash Back. DA MC only gives 2% cash back for petrol purchases.

Some banks will charge you early exit penalty. But some banks won't impose this charge. You need to check with the respective bank for confirmation.

This post has been edited by winner: Nov 17 2010, 06:23 PM

Cash back for petrol is the permanent feature of Citibank Cash Back Platinum. The rebate promotion you referred to is actually the RM60 rebate as welcome gift to those newly approved cards. Also, AF for Citibank CCs can be easily waived by just a call to the CS of Citibank.

This promotion is actually offered to almost all existing OCBC cardholders.

Perhaps you need to wait a few more days and check your email frequently. Some forummers received the email 3 days ago but I only received it yesterday.