You are not eligible for the card right ? That sure is very lenient of them.

No. Just that you won't be able to withdraw the money in the time deposit deposit account pledged as long as your card is still active.

Yes. I have noticed this too. The exchange rate for HSBC credit card is quite high indeed. I am not sure if it is through the roof like Standard Chartered and Alliance Bank but still, it's high.


I have no idea.

Every bank has different rules. HSBC VISA Platinum and HSBC Premier MasterCard for example, bear a minimum credit line of RM30k and the credit limit for both HSBC VISA Platinum and HSBC Premier MasterCard is not combined. The credit line for HSBC VISA Platinum however, can be combined with other HSBC credit card such as Gold MasterCard. It is just the credit line for HSBC Premier MasterCard is not combined with any other HSBC credit cards.

And if you have one card each from HSBC and HSBC Amanah, you'll get two separate credit lines too.

This post has been edited by MilesAndMore: Nov 1 2010, 12:20 AM

Huh ? Is it ? I read in the brochure it is not ? I had the HSBC VISA Platinum last time but then, i got it by pledging a time deposit account to it.

Wow ! You must be one big fish

All other banks do the same.


He said 23

All GST waived ? You mean CIMB Bank actually helped you to pay for the RM50 credit card tax ?

Wah ... how lucky of you

There is one outside of Carrefour Mid Valley. Near Lavender Bakery.


Not necessarily so. Someone took such route but was declined. It was OCBC Bank for Titanium MasterCard, by the way.


Once the status of your credit card is confirmed to be canceled, the staff at the branch can help you to withdraw the money immediately. This is for HSBC only though. Not sure how it works for other banks as all banks practice a different policy.


It is not RM36k. It is only RM18k. Written so in their credit card application form.

Is he always going to owe the bank money ? I mean not paying in full every month ? Because the Alliance Bank Younique MasterCard rate card doesn't give any Timeless Bonus Point or cash rebate.

Last time the Rebates option gives you both cash back and Timeless Bonus Points but it seems that it gives only cash back now.

No. That is definitely not a Platinum card.


This really is a Platinum card actually. Just a much lower standard Platinum card. You only need a mere RM48k/pa of salary or an existing Gold credit card with a minimum credit limit of RM10k to qualify for this card.

I stand corrected.

RHB Bank Premier relationship managers might have an answer for you.

The rules have apparently changed when they changed the name from Infinity Banking to Premier Banking. All Premier Banking customers will now get a complimentary RHB Bank Platinum credit card regardless of your total relationship balance as long as you're a RHB Premier Banking customers. I think someone said here a while ago that your Premier relationship manager can get you the VISA Infinite if you have RM1 Million with RHB Bank.

And the best thing about RHB Bank Premier Banking VISA debit card is the unlimited free cash withdrawals at all local banks ATM The RM50 annual fee is indeed very high but this will be automatically waived provided you charge at least RM5,000 into your debit card once a year. And i believe if you are indeed a big fish, they won't mind to waive the annual fee as well as the card replacement fee (if necessary) which is also RM50/replacement. Banks do this kind of thing discreetly all the time

This post has been edited by MilesAndMore: Nov 2 2010, 11:48 PM

Some minor corrections. The replacement fee for RHB Bank Premier Banking VISA debit card is only RM15 and not RM50 as i previously stated. RM50 for annual fee but just RM15 for replacement card eh ? Might as well just get a replacement card every year


More or less so unless you're a bankrupt or have a really terrible credit record.


This post has been edited by MilesAndMore: Nov 3 2010, 12:02 AM

Maybank and Citibank always do that. Two cards mean you'll have to pay RM100 for credit card tax

At the end of the day, it is your bank account balances that matter and not the hyped up plastic card. What is the point of holding a Platinum/World/Signature/Infinite card if you don't actually have a lot of cold hard cash ?

Anyway, holding a Platinum/World/Signature/Infinite card can pose a problem to you at times. People nowadays generally still feel anyone holding a Platinum credit card must be very rich and that thought kind of spooks me sometimes. It might just attract the wrong attention



Because they are looking at increasing Maybank Islamic credit card users base.

This post has been edited by MilesAndMore: Nov 3 2010, 12:27 PM