Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
123 Pages « < 52 53 54 55 56 > » Bottom

Outline · [ Standard ] · Linear+

 Credit Card v13

views
     
TSMilesAndMore
post Dec 22 2010, 07:34 AM

Look at all my stars!!
Group Icon
Moderator
9,301 posts

Joined: Mar 2008


QUOTE(ronnie @ Dec 22 2010, 01:16 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
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).


QUOTE(erry- @ Dec 22 2010, 01:40 AM)
btw, look for their annual fee too.

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


QUOTE(chemistry @ Dec 22 2010, 02:35 AM)
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.
[attachmentid=1952165]
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 ?


TSMilesAndMore
post Dec 22 2010, 07:37 AM

Look at all my stars!!
Group Icon
Moderator
9,301 posts

Joined: Mar 2008


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 ?
ronnie
post Dec 22 2010, 07:50 AM

Not enough stars
*********
All Stars
21,309 posts

Joined: Jan 2003
From: Kuala Lumpur



QUOTE(MilesAndMore @ Dec 22 2010, 07:34 AM)
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).
*
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.

user posted image
Phelddagriff
post Dec 22 2010, 07:58 AM

Getting Started
**
Junior Member
66 posts

Joined: Jan 2010
QUOTE(MilesAndMore @ Dec 22 2010, 07:37 AM)
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 ?
*
Which card? The Platinum and Premiermiles have it. Those two cards even cover medical, which is rarely covered by other cards.
TSMilesAndMore
post Dec 22 2010, 08:09 AM

Look at all my stars!!
Group Icon
Moderator
9,301 posts

Joined: Mar 2008


QUOTE(ronnie @ Dec 22 2010, 07:50 AM)
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.
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%.


QUOTE(Phelddagriff @ Dec 22 2010, 07:58 AM)
Which card? The Platinum and Premiermiles have it. Those two cards even cover medical, which is rarely covered by other cards.
Platinum. I can't seem to find the complimentary travel insurance for loss of luggage, missed flight, delayed flight etc.

Phelddagriff
post Dec 22 2010, 08:12 AM

Getting Started
**
Junior Member
66 posts

Joined: Jan 2010
QUOTE(MilesAndMore @ Dec 22 2010, 08:09 AM)
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".
SUSpersistence85
post Dec 22 2010, 08:16 AM

Casual
***
Junior Member
343 posts

Joined: Oct 2010


QUOTE(staind @ Dec 21 2010, 11:16 PM)
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.
*
if before activate it, Rm50 GST does not incur


Added on December 22, 2010, 8:19 am
QUOTE(erry- @ Dec 22 2010, 01:50 AM)
scb should put this at their website:

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

tongue.gif
*
They should put all card for SCB ANNUAL FEE FREE FOR LIFE!!!

This post has been edited by persistence85: Dec 22 2010, 08:19 AM
nemesis86
post Dec 22 2010, 08:21 AM

Getting Started
**
Junior Member
143 posts

Joined: Sep 2006


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?
SUSpersistence85
post Dec 22 2010, 08:22 AM

Casual
***
Junior Member
343 posts

Joined: Oct 2010


QUOTE(nemesis86 @ Dec 22 2010, 08:21 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
TSMilesAndMore
post Dec 22 2010, 08:56 AM

Look at all my stars!!
Group Icon
Moderator
9,301 posts

Joined: Mar 2008


QUOTE(Phelddagriff @ Dec 22 2010, 08:12 AM)
See: http://www.citibank.com.my/english/credit-...credit-card.htm

Scroll down to "Sign and Fly terms and conditions".
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.
Marcian
post Dec 22 2010, 08:59 AM

Casual
***
Junior Member
374 posts

Joined: Mar 2010
From: Kuala Lumpur
QUOTE(MilesAndMore @ Dec 22 2010, 08:09 AM)
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%.
Not to mention 2x Timeless Bonus Points for overseas spending smile.gif this is my backup card and used after my SCB JustOne cashback is maxed out.


Added on December 22, 2010, 9:09 am
QUOTE(erry- @ Dec 21 2010, 06:08 PM)
usually bcoz of smiles card cant be read (esso, credit card 1st then smiles card. shell, bonuslink 1st then credit card).
*
Esso/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
SUSpersistence85
post Dec 22 2010, 09:15 AM

Casual
***
Junior Member
343 posts

Joined: Oct 2010


QUOTE(MilesAndMore @ Dec 22 2010, 08:56 AM)
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.
*
what is the max amount we can claim if our luggage is lost? Say, my trip Kuching to KL.
Phelddagriff
post Dec 22 2010, 09:16 AM

Getting Started
**
Junior Member
66 posts

Joined: Jan 2010
QUOTE(MilesAndMore @ Dec 22 2010, 08:56 AM)
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.
*
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.


Added on December 22, 2010, 9:40 am
QUOTE(persistence85 @ Dec 22 2010, 09:15 AM)
what is the max amount we can claim if our luggage is lost? Say, my trip Kuching to KL.
*
Do 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
alexwsk
post Dec 22 2010, 10:08 AM

Look at all my stars!!
*******
Senior Member
4,094 posts

Joined: Jan 2003
From: USJ


QUOTE(ronnie @ Dec 22 2010, 01:57 AM)
Do they actually print your company, you are working for, on the SCB Business Visa card ?
*
yea, my company name is on my previous SCB Bus plat


Added on December 22, 2010, 10:13 am
QUOTE(nemesis86 @ Dec 22 2010, 08:21 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?
*
if 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
SUSpersistence85
post Dec 22 2010, 10:21 AM

Casual
***
Junior Member
343 posts

Joined: Oct 2010


QUOTE(alexwsk @ Dec 22 2010, 10:08 AM)

if 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
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?
nemesis86
post Dec 22 2010, 10:35 AM

Getting Started
**
Junior Member
143 posts

Joined: Sep 2006


QUOTE(alexwsk @ Dec 22 2010, 10:08 AM)
if 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
*
Thanks for the clarification.
roy918
post Dec 22 2010, 10:50 AM

On my way
****
Senior Member
558 posts

Joined: Jan 2003
From: HELL
thumbup.gif 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)

-------------------------------------------

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. thumbup.gif thumbup.gif

Refer advertisement here

This post has been edited by roy918: Dec 22 2010, 11:02 AM
de.crystal
post Dec 22 2010, 11:01 AM

Regular
******
Senior Member
1,106 posts

Joined: Apr 2009
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.
bingozero
post Dec 22 2010, 11:10 AM

♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥♥
*******
Senior Member
4,522 posts

Joined: Jan 2009
QUOTE(persistence85 @ Dec 22 2010, 08:16 AM)
They should put all card for SCB ANNUAL FEE FREE FOR LIFE!!!
*
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
chemistry
post Dec 22 2010, 11:25 AM

Look at all my stars!!
*******
Senior Member
3,065 posts

Joined: Mar 2009
From: N.Sembilan


QUOTE(MilesAndMore @ Dec 22 2010, 08:56 AM)
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.
*
I have no idea sad.gif

QUOTE(Marcian @ Dec 22 2010, 08:59 AM)
Esso/Mobil - a petrol pump attendant advised me to swipe Smiles Card first then credit card.
*
That attendant is simply incompetent. Maybe he was a bit HIGH already.


Added on December 22, 2010, 11:31 am
QUOTE(roy918 @ Dec 22 2010, 10:50 AM)
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.  thumbup.gif  thumbup.gif

Refer advertisement here
*
Great !
I went to CIMB/DA website, the old info was still there. doh.gif
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

123 Pages « < 52 53 54 55 56 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0183sec    0.39    6 queries    GZIP Disabled
Time is now: 8th December 2025 - 02:47 AM