What is the requirement for Alliance Younique card ? PA how much Rm ? Can't find the info in their website.

Maybank has reduced the income requirement for their Petronas VISA Platinum from RM100k to RM60k only > Petronas Maybankard Platinum VISA

Thank you for your email and our apologies for the delayed response.

Please be informed that when you charged your travel tickets in full to Maybankard Platinum (except for Petronas credit card), you are covered in 4 types of insurance as below:

Automatic Travel Personal                                                          Up to RM 2,000,000.00
Accident Insurance 

Flight Misconnection                                                                      Up to RM 2,000.00

Luggage Delay                                                                                Up to RM 2,000.00

Luggage Lost                                                                                    Up to RM 6,000.00


Missed Connections ( Transit)
Confirmed onward connecting scheduled flight (Transit) is missed at the transfer point and no alternative onward transportation is made available within 12 hours.
Indemnity
Reimbursement of expenses incurred in respect of hotel accommodation and restaurant meals or refreshments. Expenses must be charged into Maybankard.

Luggage Delay
Luggage is not delivered within 12 hours of Cardholder’s arrival at scheduled destination.
Indemnity
Reimbursement  for emergency purchases of essential clothing and requisites. Expenses must be
charged into Maybankard.Cardholder can only claim for items purchased prior to the luggage being returned to him/her.


Luggage Loss
Luggage is not delivered within 48 hours of arrival at the scheduled destination, luggage is deemed to be permanently lost.
Indemnity
Reimbursement of  expenses incurred within 96 hours of arrival at scheduled destination.
Expenses is restricted to purchase of essential clothing and requisites using Maybankard.


Should we be of any further assistance to you, do feel free to contact our Customer Service Executives at 1-300-88-6688 or 03-7844 3696 (overseas) 24 hours a day, 7 days a week or fax to 03-79538600 or e-mail to mbbcardservices@maybank.com.my.

any1 to give any ideas?

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.

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.

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.

else can switch to OCBC Titanium

Talking about the card design, I wonder there is any copyright for card design or not. For example, a You:nique card that copy the design of a VI card.

how does a hardware token looks like

but applying another card at the same bank , thus the same bank can check how much u use per month right? and possibility to increase ur credit limit? 

and moreover, same bank gets easier approval? 

Has any OCBC Ti cardmember here paid TM bills at TM Authorised dealer (TAD) and got 5% rebate?

I'd like to offer to pay for my friends and relatives. But TM Online registration is restricted to bill owner only, and the bill owner can only view his own bill(s).

If there is tm point in my place, for sure I would have paid there already.
Just because my place don't have TM Point, that's why I ask, has anybody paid to TM Authorised Dealer and get 5% rebate.
Payonline is not in 5% category, i won't take this option.

Just to clarify, I've paid bills using payonline.com.my and in the statement it reflects the payment to the actual payee (eg Telekom Malaysia) and got 5%.

Have only tried it for TM Unifi and Metrofon though, since for other more popular vendors you actually can get 8% or more paying using OCBC's Internet Banking with your Titanium.

For example , your credit card has a total limit Rm5k , and you used up to RM5k . Now , this is where the same online banking saving account play role. when you pay via online banking saving account to your credit card, your credit card "available balance" will be update with immediate effect.

forget about the real time to be reflected in ur cc statement, after all, pay and the credit card can be used immediately, right?