HSBC penalty is RM50.

here.

ocbc capped the rebates for rm50 montly.
but from last august till this december the capped had been increased to rm120.
so, if u do have the card from august (apply on july or already owned it), then:

aug+sep+oct+nov+dec = 5 months.
5 months x rm120/month = rm600.

got it?

then, starting jan next year, it will be normal rm50 again.

for me (i wish), ocbc should give max rm120 rebates for transaction untill 31/12/2010, as the advertised.

let say statement date is 15-jan-2011. so the bill is transcation from 16-dec-2010 to 15-jan-2011.
transaction from 16-dec-2010 till 31-dec-2010 should received rebates max rm120,
while transaction from 1-jan-2011 till 15-jan-2011 get rebates max rm50.

platinum only give u 10k?

2008, my gold card got limit 23k. earlier this year they upgrade to platinum. credit limit of coz get higher.

but for me, 10k limit is std for gold only. how can platinum only got 10k?

ok u ARE WRONG.
its up 2 bank to set the MINIMUM CL.
never heard min CL for gold is 10k.
coz my fren apply for gold and got only 7.5K ~

by default, terms for card type is by looking at annual salary.
example 24k for classic, 36k for gold, and 80k for platinum.
when u meet that criteria, usually bank will give CL 2.5 times ur salary.

This post has been edited by erry-: Nov 1 2010, 12:36 AM

same as ck3lam, i also recommend u OCBC Titanium. but minimum income must be 36k per year, 5% rebate on all petrol.
if not, go to cimb direct access mastercard, min 30k per year, but MUST HAVE degree/above qualification, 2% rebate on all petrol.
both card capped rebate at rm50 per month. but i dont think any1 will use petrol for rm2500 per month?



bonuslink DO give points at shell. thats why they ask for bonuslink card. but the point is per liter. so if u pump RON95 RM50, u will only get 27 points.

yes correct. swipe rm2400 for 12month easy payment plan, u need to pay rm200 monthly, plus other amount u had swiped.



1. yes, possible bcoz u just working for 5 months.
2. u cannot use amex to apply other card since requirement is 1 year age of the card (if u apply june this year then starting july next year u can start use it to apply other card - refer expiry date at ur card. add 1 month), but some bank do accept card with 6 month age only.

This post has been edited by erry-: Nov 6 2010, 05:34 PM

there are 2 type of 0% installment plan (or IPP/EPP/Flexi Pay):

1. u swipe at merchant terminal and the terminal immediately convert to installment plan (need to ask if ur the shop have ur bank merchant terminal or not. i did went to 1 big electricity shop and they have 10 different bank terminal). ur slip will already shows monthly payment. this 1, sometimes no fee, sometimes the shop will charged u 1 time, usually 4%, and it included in final price divide by monthly.

example swipe without fee - insurance. swipe rm1800 auto convert to 12months = rm150/month

example swipe with fee - computer shop. price is rm1800 + 4% fee so swipe rm1872 auto convert to 12months = rm156/month

2. u swipe normally. after 3-5 days, u call the bank to convert the amount to installment plan. this 1, yes, bank will charge 1 time fee. depends on bank and how long the plan. in ur 1st statement need to pay 1 time fee & 1st monthly fee.

example (u swipe rm1000):

CIMB 20months min amount is rm1000 and the fee is 4%.
1st bill need to pay rm40 (4% fee) + rm50 (monthly fee). 2nd-20th bill rm50 only.

HSBC 24months min rm1000 and the fee is 5%.
1st bill need to pay rm50 (5% fee) + rm41.67 (monthly fee). 2nd-24th bill rm41.67 only.

other members already answered - ambank, pbe

This post has been edited by erry-: Nov 6 2010, 11:23 PM

GST will be charged on Nov statement.

redeem point AFTER the GST shows in statement.

yea i also using HSBC. statement every 28th. my expiry is 08/14.
statement on 28 Aug dont have GST, on 28 Sept then got.
due date 18 Oct. pay full amount on 18 Oct then redeem points online on 19 Oct.
latest statement 28 Oct got both full payment and also points redeemed. extra money paid for GST (rm50) counted as early payment for current bill.

u can redeem online @ http://www.hsbc.com.my/1/2/personal-bankin...wards-catalogue
choose cashback rewards - C306 RM50 Service Tax. no need to signup. just make sure u have enought points.

this is what i did with my HSBC. but RM50 carry forward wont mean nothing (coz definately swipe more than RM50 after paid the previous bill).

yes. u can. i did this with OCBC. apply using direct access platinum but want OCBC titanium only.

i did. maybank rewards me with 10k bonus treat points for me to redeem.
also i said dont want to continue coz got annual fee is rm550 (non-petronas card)
so they waived annual fee for 3 years (previously also free annual fee for 3 years). and they promised next 3 years will waived also.


This post has been edited by erry-: Nov 7 2010, 11:55 PM

winner, yes i do know service tax and annual fee are totally 2 different thing

i'm using Maybankard Visa Platinum. actually never applied for it. last 3 years+ applied for Palace Vacation Club membership and they applied it for me so i can pay the club membership on monthly via 0%installment with this MBB. installment finished, card also expired (3 years), but MBB send me new card (renew expiry date). so i called them to cancel, dont want to continue coz got annual fee and also lazy to pay RM50 tax.

they offered to give me free points for redeem service tax, 10k. but i need to pay RM50 1st and redeem after that. will contra in my next statement.
to make it clear, they offered me free annual fee and that treats point, coz they said i usually swipe rm3k/month and i always pay full amount (all my cc with other bank also same). so they dont want to lose a customer like me?

This post has been edited by erry-: Nov 10 2010, 05:17 AM

ghoss, better for u to apply with bank that accept 1 month payslip only. since ur salary dropped. example for u is cimb petronas classic card, definately want 1 month payslip only and 18k/annum income.

sorry for replying to old post

u ask, u answer! hehe. all bank same fee for late payment, rm5 or 1%, whichever is higher, capped at rm75. its controlled by BNM.

PLEASE, pay THAT RM24 too! (hope u paid it full yesterday coz today is 10 nov already).

u not only will get interest for that rm24, but also for all current swipe before next statement, coz u dont get 20 days interest free period!

if u using international bank like HSBC Spore, applied within the same bank (HSBC Malaysia) shouldnt have prob. others i have no idea.

sometimes bank just increased CL without need to request. they look for your spending. i did experienced this with both my DA (Direct Access) and HSBC.

DA, increased 3 times (i mean, 3 different CL) within 2 years, on 3rd years they just upgrade me free to Platinum

HSBC, increased twice (2 different CL) within 2 years.

This post has been edited by erry-: Nov 10 2010, 05:33 AM

cimb petronas have classic card. download the form here, choose CIMB Petronas Mastercard Classic, then fax it or send it to any CIMB branch with supporting documents.

never heard bank decrease CL

Alliance Bank. but got tier. more info - http://www.alliancebank.com.my/ccard_cashback.html

thanks. maybe not only me, but he/she dont come to this forum. hehe

EXACT PAYMENT! if pay via CDM, pay more, no harm

ur welcome. i'm not sure if cimb dont offer classic card anymore. but since the link i gave still works, so u can give a try. they just want latest payslip. no need the previous 2.

BTW, HSBC classic card also min salary for classic is 18k/annum and want latest payslip, but if less than 3 months they want confirmation letter.
refer here - http://www.hsbc.com.my/1/2/personal-bankin...ard-eligibility

bad news is - annual fee free only for 1st year (but i got platinum free for life with no condition - by invitation only )
want it free, swipe min rm14.5k on 1st year so u get the points to redeem. another rm9.5k for govt tax. (swipe oversea will get 3x points).

oh ok. sorry didnt updates regarding that

ghoss, other bank that offer classic credit card (18k/annum income) with ONLY latest payslip are UOB One Classic & EON Bank Classic Visa/Generic. both also same like HSBC, free annual fee if swipe 12x per year.

This post has been edited by erry-: Nov 10 2010, 08:17 PM

only for food. and annual fee is rm500 without any chance to get it waived


as long as latest payslip shows min rm3k and last 3 months bank statement shows min rm3k salary credited, no prob, will qualify.

usually bank will increased it automatically based on ur spend and payment. or just give bank new payslip which is higher than during applying before. 3 years ago my gold card CL is just 12k, always reach limit before statement, need to pay (i pay full amount) before can swipe again, so bank increased to 18k then 24k (within 2 years) then free upgrade to platinum show to bank u want to swipe more but also can pay it

This post has been edited by erry-: Nov 16 2010, 09:35 PM

HSBC users here, pls share ur experience with current promo - SMS & WIN?
http://www.hsbc.com.my/1/2/personal-bankin...c=MYH_LP_SMSWIN

yesterday, (of coz swipe >rm100), swipe then SMS at 20:03 and received reply "overhelming responses. closed for the day. pls join tomorrow!"

then, today, again, swipe then SMS at 15:58, same reply!

so many HSBC user that swipe >rm100 before 4pm???

will try again tomorrow around 11am and let see if still overhelming

other bank give plat free annual fee (some with condition such as 12x swipe/year), why need to waste rm500 for annual fee?

This post has been edited by erry-: Nov 16 2010, 09:38 PM

oh ok. thanks for the info. also found it at their website.