you are right and also depends on when the individual banks "sent in"/update info to BNM which is usually end of the month.

Alright, this is a good idea for guys who wanna apply 5 or more different credit cards from different banks at one go

Normally when you apply 5 cards at one shots and so happen all 5 approved. If you somehow have a change of mind and decided that you do not want it, does it incurs any RM50 GST cost to you that you must pay?

The reason I am asking this is that I can see that my newly collected PBB Esso/Mobil card's GST is based on their approved date. Not my collection date. I am planning to apply OCBC Titanium. This card is much better compared to PBB Esso/Mobil. Regret that I didn't know abt this card earlier.

This post has been edited by staind: Dec 21 2010, 11:20 PM

For the SCB iPad giveaway, if we spend RM4000 on each Visa & Mastercard, do we get 2 Digital Photo Frames ?

it was discontinued long time ago, that card was back in 10 years ago, can't search any image in google so i can't show it

Just receive ING insurance policy, it is for PBB credit card holder if u agree to sign up the plan, only RM0.65 will be charge on every RM100 outstanding balance

A cardholder is only eligible to win one (1) prize.
TnC

To whose with HLB Essential Visa,
1. is the 1% Cashback Rebate credited at the end of the statement date ?
2. Any promo to waive GST RM50 for new applicants ?
3. Any way to waive subsequent GST RM50 ?

err... sorry if my post consider as spamming

ok this is spam?

and the remaining balance will be charged with interest? no thanks!

i'm not holding this card but will try to help answering.
1. yes, it should be at the end of the statement date (as ocbc, cimb/da - i owned this card).
2. the promo is swipe 2x within 45 days and u get rm50 cashback. here - http://www.hlb.com.my/promo/pfs/cc_win_maz...x.jsp?s=ccpromo
3. no. only if u swipe 5k this year, so can consider rm50 cashback u received to cover next year gst

This post has been edited by erry-: Dec 22 2010, 12:51 AM

erry-: Thanks for the answers. The upon-approval RM50 GST cash back is up to max of RM250,000 (or first 5,000 cardmember only) :-(

Trying to compare the HLB Essential Visa with SCB Business Visa Platinum.
Which is better ?

This post has been edited by ronnie: Dec 22 2010, 01:02 AM

You only can benefit from SCB biz plat if you travel (and spend) overseas a lot, because of its Triple Choice Points.
With SCB Biz Plat, the cardholder earns 1X choice Point and 0.5% cashback at the same time. This makes up a total of 1% cashback, which is same with Essential's 1% cashback.

But SCB Biz Plat has got KLIA Premium Lounge unlimited access, Essential don't have.
SCB has Purchase Protect, HLB don't have.


This post has been edited by chemistry: Dec 22 2010, 01:10 AM

Based on your comparison, SCB Business Visa Platinum is much better choice ;-)
Are ChoicePoints earned from SCB Mastercard Platinum can be use for cash redemption (5000 ChoicePoints) against SCB Business Visa Platinum

SCB will consolidate all your cards in one statement. The statement amount is actually the total amount of all cards you have.

Even the ChoicePoints you earn from different SCB Cards will be consolidated altogether too.

ronnie : ur welcome

btw, look for their annual fee too.

hlb essentials: rm100 or free with 2x swipe/month.
scb biz plat: rm300
scb biz gold: rm200

so confirm no auto waiver on annual fee for scb.
if call them then ask, its not auto waiver

a little bit suprised, scb biz gold require salary only rm18k/year!
same as other bank classic card.
even their plat require salary also only rm60k/year.

while hlb essentials min salary is rm30k/year.


This post has been edited by erry-: Dec 22 2010, 01:41 AM

Calling for Annual Fee waiver is so yesterday
But if SCB does waive it after one call a year, I don't really mind

scb should put this at their website:

annual fee: free if call and ask to waived it 1 month before annivesary

Do they actually print your company, you are working for, on the SCB Business Visa card ?

I dare not put my employer's name on my card..Who knows what happen in future? I can't guarantee the job is permanent.

You mean the Company name on card is optional ??

I think so.
Because mine doesn't have company name.

Hi,

I want to share with all of you the terms and conditions of complimentary travel insurance coverage & Purchase Protection Plan courtesy by Stan Chart.

This information is not available elsewhere. I inquired and got reply from the insurer MSIG Malaysia.
 Free_Travel___Purchase_Protection.pdf ( 30.35k ) Number of downloads: 31