Maybe it's time to review the 1st page information and keep up-to-date?

Some of my findings but I'm not sure whether you will state for a particular card of a bank or not. Just see which one applies. Italic sentence with brackets are just my comments.

1. Annual fee
OCBC (**minimum swipes apply)

2. Tap and Go - no signature required
CIMB Touch 'n Go Visa (This one a bit different as it is the first credit card with Touch and Go)

3. Credit Card linked to Petrol Giants
Citibank <> SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)

9. Cash Advance fees
HLB Essential: 2% of the amount advanced or a minimum of RM5, whichever is higher. This is imposed for each cash advance transaction. Minimum withdrawal for each cash advance is RM200.

12. RM50 Government Service Tax
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on each Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, on the completion of each year or on the date of renewal of the card.
This means that the above mentioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance.


(Although Budget 2011 will be announced soon, but the current GST charges is still applicable and a lot people is asking the same question. Furthermore, the thumbnail image link is broken)

This post has been edited by ck3lam: Oct 13 2010, 11:29 PM

HLB Essential card has the lowest cash advance fee.


Is your rounding correct?

Btw, there is one guy saying he get 5% from C4 Tropicana. Mm...

As an EON cardholder, didn’t you know EON will rebate RM50 for total spending above RM5k and Annual fees will be waived if minimum swipes are met?

Just I thought you should have knew it after using the card for a year, there is also such information appears on the statement.
To be exact, even if you didn’t spend up to 5k, the bank will still rebate to you 1% of total spending. Just the maximum is RM50 rebate capped per year.

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Added on October 14, 2010, 7:14 pmJust like Jusco. Maybe related to AEON?

This post has been edited by ck3lam: Oct 14 2010, 07:18 PM

Oh previously heard that AEON is going to buy over C4. Nvm, it's not important.

Well, I'm just wondering why different C4 has different MCC, just...weird.

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Added on October 14, 2010, 9:03 pmMaybe they are too excited to use the card. Looking at tnc will make them yawning

This post has been edited by ck3lam: Oct 14 2010, 09:04 PM

Ya, maybe can ask them what MCC for C4 Tropicana is.

This post has been edited by ck3lam: Oct 14 2010, 09:30 PM

That's why I ask him whether his rounding is correct or not. And roy918, you are right.

This post has been edited by ck3lam: Oct 15 2010, 12:55 PM

Looks like CC is not affected by budget 2011.

Jusco is definitely only entitled for 1% rebate (even in supermarkets) after verified by some forumers at different outlets. I tested with small amount at Jusco and the statement categorized it under 1% rebate.

CIMB Enrich World Mastercard will be more exclusive then since it is by invitation and card usage above RM 500k per annum.

Maybe one day classic card becomes exclusive as few people are holding it.

I believe you will get it easily. I have been receiving the 20% cashback since May. They changed the T&C since Sept.


Btw, I just receive letter from SCB saying they will going to have 5% cashback for any purchase for the coming November but maximum capped at RM50.
Well, of course if compare with Ambank, PB, HSBC or even OCBC are not that much for maximum cash rebate, but SCB likes to provide guaranteed stuff, like gift or cashback this time.
So basically if you spend 1k on ANY purchase, you will get guaranteed RM50. Not bad afterall.

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Added on October 24, 2010, 6:53 pmYou will see all the time is 9:00am then and unlikely they will show the seconds. So no point displaying the time. But I think you will get at least 10k UNIRinggit if you send another SMS code, right?


Yup....most people gets 2 iPod Shuffle.

Since nowadays a lot of cards are given 5% on any petrol station(even their cashback plat), this co-brand card is really going need to relaunch its benefits (somemore got tier to get 5%).

This post has been edited by ck3lam: Oct 24 2010, 10:23 PM

It does not come with the statement. It is just a letter from SCB and it applies to any SCB card. Maybe this week we will see it on SCB website.

Need to check their T&C first. Normally when a cardholder holds a card, that's a good chance that he may use that card also for other normal transactions. Unless you burried it somewhere until you finish paying the debt.

I don't think you will get TP, any BT will not get points.

It didn't state whether there is any processing fees in their website (need to call CS) but I remember last time MBB got such fees on any BT or installment. Anyway, there might be some hidden T&C.

This post has been edited by ck3lam: Oct 25 2010, 01:28 PM

I thought only applicable for Shell card?

I doubt they categorized under MCC because other pharmacies are not applicable. Maybe MCC first, then filter Guardian and Watson.

Citi like to have this kind of rebate accumulation system. So it's a bit difficult if you want to cancel the card if that month doesn't reach RM50. Their strategic I guess.


Inflation....even the best Maybank Treatpoints also got inflation...


When do you sign up the auto debit? Some TM staff said it will take a month.

Mm...any other SCB cardholder receive this 5% cashback on everything letter?

For the month of Nov, you can enjoy existing discount at some dining area + additional 5% rebate. Take Kenny Rogers for example, you get 15% + 5%, which is actually 19.25% discount.

Anything on OCBC Ti 1% purchase can transfer to SCB next month.

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Added on October 26, 2010, 8:45 pmTNB somemore 2 months as they claimed. But if through the bank auto debit service is much faster.

This post has been edited by ck3lam: Oct 26 2010, 08:45 PM

Over TNB or CC autopay service?

As the promotion starts on November, maybe the CS is not yet informed? Anyway, I'll try to scan it and post it here tomorrow.

Didn't know Astro has upgraded their online payment method. Subscribe autopay over the counter last month and get a free umbrella...

3rd month...great~
Just right after 1 month I subscribe, I received EON bank letter informing me about TM autopay via OCBC card. Looks like OCBC outsource all the autopay to other bank.

SCB promotion. But as I see the T&C for the cashback eligibility, there are some points to note:
- Your acc must be in good standing (as usual)
- Any retail transaction from 1-Nov to 30-Nov (posted by the merchant and received by SCB)
- Max capped at RM50 (Principle and Sup share the same)
- Cashback credited by 30-Dec
- Valid for the addressee of this letter only (So maybe it’s not a general promotion, but we will see whether SCB will advertise it at the end of this month or not in their website.)



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