Why not consider Alliance Bank VISA Platinum or Alliance Bank Platinum MasterCard ? The first RM500 charged to your card every month will get you at least 1.02% cash back. This cash back will continue to increase as you spend more. The cash back however, is capped at up to a maximum spending on retail purchases of RM5,000/month only. Any amount spent after reaching RM5,000 in a month, you will earn only Timeless Bonus Point. You will get at least 2.42% cash back on the last RM2450 charged to the card (out of RM5,000).


Every newly approved Standard Chartered credit card comes with an auto fee waiver for 2 years. After that you will have to call in once a year.


The benefit and coverage is almost identical to HSBC Amanah Takaful credit card insurance. I wondered if anyone has made a claim from your bank before ?

By the way, anyone knows if Citibank credit card comes with complimentary travel insurance ? I can't seem to find this in their website. So i assume there is none ?

Based on the below example table from Alliance's website,
If we spend RM3000 using Alliance Bank VISA/Mastercard Platinum, we get back a total of RM28.75, which equivalent to 0.96% cashback.

Which card? The Platinum and Premiermiles have it. Those two cards even cover medical, which is rarely covered by other cards.

Don't forget to factor in the timeless bonus points you can use to redeem shopping voucher. The final cash back (inclusive of the shopping voucher redeemed) can be as many as 1.38%.


Platinum. I can't seem to find the complimentary travel insurance for loss of luggage, missed flight, delayed flight etc.

See: http://www.citibank.com.my/english/credit-...credit-card.htm

Scroll down to "Sign and Fly terms and conditions".

if before activate it, Rm50 GST does not incur

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Added on December 22, 2010, 8:19 amThey should put all card for SCB ANNUAL FEE FREE FOR LIFE!!!

This post has been edited by persistence85: Dec 22 2010, 08:19 AM

I would like to ask if i have a credit limit of 3k can i swipe till 4k? Will there be any charges or penalty for the excess credit?

Yes, you can swipe till Rm4k provided you charge your card with extra Rm1k

Ah, thanks. I did not notice that. Any idea if our luggage is lost for more than 6 hours on a domestic flight, are we still eligible to make the claim ? I know it is not possible with many other credit cards from other banks such as HSBC and Standard Chartered as they only cover it if it happens when you're abroad.

Not to mention 2x Timeless Bonus Points for overseas spending this is my backup card and used after my SCB JustOne cashback is maxed out.

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Added on December 22, 2010, 9:09 amEsso/Mobil - a petrol pump attendant advised me to swipe Smiles Card first then credit card.

This post has been edited by Marcian: Dec 22 2010, 09:09 AM

what is the max amount we can claim if our luggage is lost? Say, my trip Kuching to KL.

The only bit that mentions about international flights is the "Home Away Content Insurance". So maybe it's still valid. Best to ask Citi for a copy of the full policy.

If they do give you a copy, let us know. I've been asking for that for a while, and they've never come back to me.

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Added on December 22, 2010, 9:40 amDo you have an innate need to opine on every little topic mentioned here? The answers are easily enough available from the link provided.

This post has been edited by Phelddagriff: Dec 22 2010, 09:40 AM

yea, my company name is on my previous SCB Bus plat

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Added on December 22, 2010, 10:13 amif you put in 1k to your cc account b4 u swipe, then yes
else the bank might just block your transaction or even worse, charge you over limit fees

This post has been edited by alexwsk: Dec 22 2010, 10:13 AM

i thought if ur CL is Rm3k, then u want swipe Rm3.1k, even RM100 more your transaction will be rejected?? or in what case, the transaction will over limit? call CS to for the over limit transaction?

Thanks for the clarification.

for OCBC!!
Submitted balance transfer form by fax around 8.45am today (without other credit card statement) and OCBC account already debit with the amount in 2 hours.


Do note there is a trick in OCBC balance transfer where payments allocated to balance transfer 1st before going to purchases in current month (as in T&C 15 but it is mentioned differently in the front of balance transfer form)

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Another good news for those utilizing CIMB/DA 10 months interest free installment for education, insurance and hospital bill.
The promotion extended to JUNE 2011.

Refer advertisement here

This post has been edited by roy918: Dec 22 2010, 11:02 AM

notice that HLB and CIMb are offering free smart tag promotions but stil have to pay GSt50, meaning it is not free at all.

of course, compare to getting the smart tag which costs ard RM120 is still slighly cheaper la..
sigh.

SCB annual fees is that waive able? Whats the T&C?

Off topic a while, why your name is at Trade Zone Helpdesk & Dispute Resolution Corner?
http://forum.lowyat.net/topic/1686666/+0&#entry38712682

This post has been edited by bingozero: Dec 22 2010, 11:12 AM

I have no idea

That attendant is simply incompetent. Maybe he was a bit HIGH already.

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Added on December 22, 2010, 11:31 amGreat !
I went to CIMB/DA website, the old info was still there.
Why can media ads update faster than the merchant's website? sigh..

This post has been edited by chemistry: Dec 22 2010, 11:31 AM